Capital First called me in July and offered me the Mastercard with a $4000 limit, and they said they could not send the materials for my review. I'm not sure how they got my phone number since it is non-published. Unfortunately, I did not check them out online before agreeing to do a check by phone for the card. They cashed the check and I never received any materials.
On August 5th, there were two "pre-authorized drafts" on my checking account in the amounts of $59.95 and $99.95 and my bank statement shows 866 892 6018 as the number that tried to take the funds. Here's the best part. There wasn't enough money in my account to cover the drafts, so when I called my bank that night, they were able to send both transactions back and put stop payments on both amounts until I could close my account.
When I called Capital First the next morning, they insisted on having my social security number and they wouldn't answer any questions unless I could verify that I was a "customer". I made sure they understood that they're required by state law to be registered in this state before they can solicit by phone, and that they are legally obligated to provide a registration number and mailing address since they called me first.
They said it's their "company's policy" not to give that information, so they basically admitted that they are willfully breaking the law. I have called them numerous times, asking for a supervisor and for an explanation, but they always refuse to give me either one. It's an 800 number, so I don't have to pay for the calls. I can demand an explanation every day until I'm satisfied with their response, and can keep paying for my phone calls to them since it's an 800 number that THEY pay for.
I'm sick of waiting for this company to be investigated and shut down, so I guess Capital First is going to continue hearing from one unsatisfied customer and pay for that customer's phone calls until some legal action can be taken. It's a shame that their phone lines have to be tied up like that each day and it's a crying shame that they are paying for all my long distance calls to them. I must be the phone company's new best friend.
Nancy
Seattle, Washington
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