On June 5th, I was contacted by Capital First. They offered me a credit card for a $4000.00 limit for $29.95.
They told me that all our calls would be monitered. Which was ok with me. They told me that my package for the $29.95 would be sent out in 24 hours.
I waited a week and the package never came, so I called Capital First, 1-866-892-6018, that's when the first red lights and sirens went off in my head. When they answered the phone at this toll free number, they never once said who they were and or what their business was.
When you finally got to talk to a customer service rep, that's when they told you who they were. I complained on or about the 14th of June that I did not recieve my package. The rep looked it up on the computer and told me when it was sent out. I told them ok, I'll wait another day or two, but if I didn't get it, I was going to call them back. It arrived around the 16th. I canceled it on the 17th.
I opened the package and started to read the materials in it, the way I read it, I had seven days to cancel. But it was very odd to me, when it tells you, you have seven days to cancel, but your package doesn't arrive until the ninth day or later. That's when I found out about the $99.95 and the $59.95.
In the mean time when I was waiting for this package to come, I had no idea that they already started tapping into my checking account. I didn't know this until my statement came in the mail. There were two other withdrawals from my account that was not authorized. $99.95 and $59.95, check # 123. My account was in the 700's.
Then to top it off, a couple of days later I recieved another statement in the mail from a Hartford Auto Club, they were going to take $99.95 out of my checking account for my Hartford Club Membership that I didn't apply for.
Guess what? Capital First gave my name, address, and checking account number to this company. They also gave my name and checking account number to another company called Smart Savers, or something like that. Without my authorization!
While Capital First was stealing money out of my account, my checks for my car insurance and home payment were bouncing.
I got on that phone and I had a run around with about three different repersentives from this company, Capital First. Repeatly I requested to talk to a supervisor. I always got the same answer, there's not one avaiable.
I tried to be as polite as I could be, but they refused to let me talk to a supervisor, so I asked Joe, the rep, how I would get my money back. He gave me a confirmation number and told me I had to write to the corporate office to get my money back. He told me it would take 3 weeks.
I went off on him again, "You mean to tell me that you can take the money out of my account in less than 24 hours and it's going to take me 3 weeks to get it back?"
"Yes, ma'am." he said.
That's when I told him that they left me no choice but to contact an attorney. I hung up the phone, fuming!
I calmed down a little then called them back, this time I got a young girl, named Nicky. I proceeded to tell her what had happened and she looked up the information on the computer.
I asked her if I could talk to a supervisor, to no avail would she let me talk to the supervisor, so I started to ask her questions.
Everytime I would ask her a question she would say wait a minute, then I heard her talking to someone about my questions. This went on for quite a few minutes, then I finally asked her a question she could answer without help. I asked her where she was located, what building? She told me. Then I asked her where the corporate office was located, are you folks ready for this? They were in the same building. She was on the third floor and the coporate office was on the first floor.
You mean to tell me they won't let you talk to a supervisor in the same building? I also asked for the corporate offices phone number, You know what they told me? They weren't authorized to give that number out. Imagine That!
This company ripped me off over seven hundred dollars. With the bonce check fees, taking my money when it wasn't authorized. Causing the social security office to divert my check to somewhere else when I had to change my checking account to a completely new one. And Capital First authorizing my checking account number to other companies without my permission.
I ask you, how wrong is that? I personally think if all these people have a complaint against this company, we should file a class action law suit against them. I already contacted my attorney and filed a complaint with the the Attorney's Generals Office of Pa.
Barb
New Galilee, Pennsylvania
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