After being turned down for dental care credit, Capital Financial soliticed my son on his cell phone about rebuilding his credit. His credit score is not that bad and he can repair it himself easily.
The rep gave him the spiel about depositing 200.00 and receiving a 2000.00 limit on a credit card. She deceived my son into believing that this was a legitimate name credit card company and even told him she was representing CitiCard.
He gave header information to this individual which was not a checking account number, but is my main account number of which he has a sub-account. He never gave them HIS account information. Capital Financial, not having any trailor information fished around until they found a valid account; which happened to be my personal savings account and took 200.00 from it.
After I noticed this unauthorized debit, my son revealed that he had given the information believing that it was a legitimate CitiCard company and that they would debit his sub-account. I notified the bank the next day, having suspicions, but still not totally aware that this was a scam.
After further investigation and finding this website, I contacted Capital Financial at their toll-free number. I informed the rep that they had debited my personal Savings Account without my authorization, the rep became rude and argumentive, stating that Capital Financial only debits Checking Accounts.
I informed her that there was no need to be rude, that I had all the information in front of me with my name on it showing their activity into my personal account, that no one from their company ever spoke with me, and that it was indeed my own personal savings account that had been debited without my authorization.
I requested for them to please return my money back to my account and not to touch it again.
I was given the same spiel that others here have received regarding mailing a letter to their Department of Consumer Disputes. I did give the rep the cell phone number my son had been contacted at. Immediately she pulled up his name and then provided me with a confirmation number to refer to in the letter.
However, after reading all of the negative results from other bilked consumers, I am making the decision to visit my bank tomorrow with about 50 printouts from this website, and follow the suggestions given here to attempt to get this 200.00 credited back to my Savings Account.
I will update my experiences on this site. However, even if my bank credits back my account, it should not stop there.
What is being done to stop these THIEVES?
Who is the individual (s) who have masterminded such a scam? This fraudulent company had to begin in the mind of someone.
They truly need to be called into the light and have the long arm of the law run them out of this country.
B
Alpharetta, Georgia
U.S.A.
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