I have been in credit hell, at one time i had a-1 credit,
But due to circumstances beyond my control, i have had to
File bankruptcy etc, and as a result i am at the mercy of
Telemarketers constantly calling and offering credit card
Programs that offer a fresh start. Ive gotten a couple of
Good ones. But one that almost hooked me was capital 1st.
They called and basically said that i could get a master
Card through them with a credit limit of 2500 dollars.
They talk fast and not very clear. They make sure that
You hear all the good points about what theyre selling,
But any thing that is a bit shady goes right by you, and
Being hard of hearing doesnt help. Anyway i was led to
Believe that if i authorized a 39.95 charge from my
Checking acct i would recirve my credit card, and the
Other fees totalling aprox 160.00 would come off of my
2500 dollar avail credit. Boy i thought it was great,
Until about a month later i noticed a debit on my
Checking account for the 160.00,
The next dayi recieved my pachage from capital 1st (no
Credit card) of course. Bot inside was a letter saying i
Had a 10 day trial, during which time i could call a
Number provided and cancel the whole thing with no charge
Other than the initial 39.95 (keep in mind the debit had
Already showed up on my account)
Anyway i called the number provided and asked them about
It. The lady on the phone told me they hadnt recieved pmnt
Yet, i immediatly told her to cancek the package. I
Called my and paid 30.00 to put a stop pmnt on the
Transaction. The bank says they cant guarantee the stop
Pmnt because it was already in the process. Luckily it
Worked. So i'm out 70.00 due to capital 1st, i chalked
It up to a lesson learned.
About a month later i find another charge of 54.90 on my
Account. Two days or so after recieving a premium mega
Saver long distance phone card in the mail. The letter
With the card says that i authorized this debit from my
Acct. It was part of the capital 1st package. Well i
Call the 800 no on the card which gives another 800 no to
Call.
Anyway i finally get to talk to a customer rep who tells
Me that they cant cancel the card because my 10 day trial
Is over!!! I argued with the guy (a mr torres), he
Tells me to wait 7-10 days for my check to clear then
Call back, and the accnt would be cancelled. So i waited
Against my better judgement, but i didnt want to incurr
Another stop pmnt fee.
I called back, explained my situation to a guy named
Hans, he puts me on hold for a few minutes. Comes back
To the phone and says, everythings ok, the acct has been
Cancelled, i ask when i can expect my refubd and he
Says, oh, we cant give you a refund. (by the way, the
54.90 debit caused another check to bounce, which cost me
A 25.00 fee. Well now i go to the bank and fill out a
Disputed charge form. The nice guy explains that the fee
For this is 26.00, with no guarantee. Suggest i call
Them back and try to reason with them. Lol.
Anyway i dont know what i can do about this other than
Write it off as a lesson learned, but i live from
Paycheck to paycheck, and i am out 160.00 between the two
Ripoffs. That would have paid this months cable and phone
Bill.
So if there is anyone out there who has any ideas about
How to get our money back, im listening yo my knowledge
The only amount i ever authorized was the initial 39.99
Charge. Anthing other than that was not authorized. So i
Now have a paid for but cvancelled long distance card
Which i never wanted, needed, and is probably not worth
The paper its printed on!!!
GENE
NEWINGTON, Connecticut
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