Here's a story for you to add'
I was struggling with credit problems from since I was young. I had just recently moved to Houston to start a new life with my new wife. My wife had no previous credit problems. One day, I received a call from Capital First.
The Rep asked me a few questions and told me that for the price of 19.95, I would receive a Master Card and have a chance to rebuild all my previous credit problems. I heard her, but could not believe what I was hearing. She said I could try it for the trial period, and if I kept the card, I would be charged an annual fee but it would be charged to my Master Card later after I agreed to keep it past the trial period. That call was in May. It took so long that I did not receive the card, that I honestly forgot about the card.in June of that following month, I was visiting my mom in Memphis. Upon checking my account, I realized that I was missing 160.00 from my account. I checked with my bank and they gave me the number to the place that took the funds. I called and the person that answered the phone said she was busy and she needed to call me back. I told her I was out of town and I did not have a number to give her. So she said I have to call her back later. Upon going back to Houston, I called again, and this time a woman answered the phone.
I told her what happened, that I was charged an annual fee of 100.00 and a processing fee of 60.00 for a card I never received. She told me I should get it in a few days. I told her I no longer wanted the card, and asked why it took so long in the first place. She said it probably got lost in the mail and tried to make another offer.
I told her again, I dont want the card, I want my refund. She still tried to find another way around just giving me my refund. I told her nothing she could do or say would make me change my mind. Finally, she gave me an RA#and said when it comes, to simply send it back to get my refund. July came around, and still no refund or card. I called again and I was told to send a print out of the statement showing how much they took out, I did so and mailed it to the address they gave me.
I called back in August, and they have no record of my letter coming to them. At the end of august, I called back and was given a fax number to fax it to them again, to this day, sept 20th, still no response or refund! I am calling back tomorrow since they are closed on the weekends to see what happens next. Rip off? Thats a dirty shame!
Zavier
Houston, Texas
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