You have been fraudulently mis-led, the law is on your side.
Since my wife's dealings with this cowboy outfit last week, I have taken a great interest, and spent a lot of time researching the illicit going's on of this so-called company and it's "offspring". We were fortunate as I was aware of the con instantly and shut down the bank account without the loss of any monies! Something I highly recommend you do as they can deduct monies from your account whenever they please!
The thing that horrifies me is the number of people who seem "willing" to put their experiences, and loss of money regarding Capital First down to "bad Luck." Come on! Who in their right mind would walk into a store, slap $30 to $200 on the check out and then leave saying "have a nice day"? NO-ONE!
The one thing everybody seems to be missing here is that the law is on your side. A fraud has been committed! Fraud is a felony offense in case you were wondering, worthy of a lengthy prison term and large fine.
Capital First ring you up and say you have been approved for a "MasterCard" with $2,500 plus limit and 0% interest, etc., when in fact this is just a ruse to gain your bank details and SSN... Based on the mis-information act as laid down by Federal Law this is FRAUDULENT, ILLEGAL in every sense of the word! Therefore, any verbal or written agreement you have entered into becomes null and void... Unenforceable in every courtroom in the country!
Consequently, any withdrawal of funds from bank accounts becomes a fraudulent transaction. Affidavits of fraud should be filed with all banks debited by this company and it's affiliates within 30 days of the withdrawal taking place. The bank will obtain refunds from the clearing houses, etc., if they are unsuccessful, the bank will make good any monies "stolen" from the accounts.
Today I have read two new reports that have my blood boiling. Firstly a "rebuttal" by an "Ali of Miami Fl" this person obviously works for the scam company! She states you shouldn't get angry because "they have the power to refund" and that all calls are recorded to prove you endorsed the withdrawal. Basically she is saying "more fool you for falling for it" Well, that just goes to prove the moronic mentality that we are dealing with here... Go back to scam school Ali... Better still, go and get a proper education so you can earn an honest living!
Secondly, someone states he was contacted by an Andy Cove purporting to be Capital First's attorney. He says in this instance that it was the "punters fault" that he OK'd the transactions and that they have it on tape to prove it. If what this gentleman says is true I would be on the phone right now to the State Bar Asc as these claims are false, a crime for which he can be disbarred! OOOppps, you have been scammed again! If Andy Cove is an attorney that has any idea of the law, then I am George W. Bush talking to you from Mars!
Do you really think that these people record their conversations with you? Duhhhh, I don't think so, don't forget that they are knowingly committing fraud by spinning lie after lie, and they want recorded proof of the crap they have told you... Nahhhh. If they really are that foolish then get them to mail the recordings to the Federal Trade Commission, they would love to get their hands on them!
Don't let these people get away with it, the law is on your side. Don't put this down to one of "lifes lessons" as all you are doing is helping this scum get rich and "laugh all the way to the bank" at YOUR expense.
Finally, do complain to the Federal Trade Commission, (www.ftc.com). They are compiling data against this company and it's directors etc in order to file charges. The more evidence they have on file, the worse it becomes for them. Don't forget these people are not scammers, they are criminals!
Jerry
Los Angeles, California
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