Sometime in early to mid June, I was called by a Capital First agent. I was informed that I was eligable for a credit card from the company. I agreed to look over the information they would send, and decide if it was for me. This was more in an effort to get them to stop callong me, than any real desire for their services. I was told that I would have a full seven days to look over said information, and then I would recieve a bill for the one time fee of $59.95, and the annual enrollment fee of $99.95.
On June 12th the above amounts were removed from my checking account, entirely without my premission; I recieved the information packet on Wednesday, June 19th.
On Thursday the 20th I called the "customer service" number, and was told repeatedly that I could not speak with anyone, but would have to wait for a return call. When I asked to speak with a supervisor, I was refused.
Finally the return call came, and I explained the situation. They hadn't been authorized to remove the money, my expectation of a full refund, including the return of $64 in overdraft fees incurred by the unauthorized removal. I was informed, that I would have to send the information packet with an "RA number" to corporate in order to get the $99.95 refunded to me. I was told that the $59.95 was not refundable. At this point I demanded to speak with a supervisor, and was told that I would have to write a letter in order to recieve the total sum of my money.
I mailed off the packet with RA number, and my letter which stated the above facts, using priority mail. Over two weeks later, I had yet to recieve any sort of compensation, and had incurred several other over draft fees due to the removal of funds.
On July 9th I called again, and was told that they could just email corporate, and make sure they knew that I'd sent the required information. Then I was told it would take 14 further days for my refund to be granted. Again, I asked to speak to a supervisor.
By the end of the call, I'd made my way to the floor supervisor, who declined to give me her name. She was the final word at the customer service branch. Apparently, she didn't have a supervisor herself, nor did she have any phone number for corporate. She told me that she would email them to find out when I could expect my refund, but refused to give me their email address.
After getting off the phone with her, I called my bank, and told them that the charges were unauthorized. They are currently in research mode.
Stella
Minneapolis, Minnesota
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