I have been deducted 200.00 from my checking account for a fradulant company called CAPITAL FINANCIAL. I recieved a call saying that I may be approved for a credit card with a starting balance of 2000.00. I had asked them wether it was a VISA or MASTERCARD and they had told me yes this is a Capital Financial card. Mind you, they DID NOT let me know it WAS NOT a Major Credit Card. I gave them my information on the grounds that I had to wait for a notice in the mail for approval. They made me listen to a recording that was scratchy and very soft, and along the lines I could not understand the recording, I had asked the man WINSTON BLAIR to please repeat to me the terms. To my knowledge, and me being VERY naive, I allegedly agreed to the terms even though I was not completely sure of what he said. I thought I agreed to an approval of my account and with my signature in the mail I would have agreed to a 200.00 deduction. This was not so.
A couple of days later, the money was taken out of my account, because of this, I was caught unaware and not prepared for the transaction, so it left me with a negative balance and overdraft fees. But because this was on a friday and I called on a saturday, I could not get a hold of them after being hung up on TWICE! They told me to call customer service on monday. That was a joke! I called exactly at 7 A.M. 10 A.M. Eastern time and told them what had happened. I got very upset during the conversation because it was then outted that THIS WAS NOT A MAJOR CREDIT CARD, I could not believe that they tell you this AFTER THE FACT! I asked for a cancellation and my 200.00 be refunded, they said that I had allegedly authorized it, and cannot be refunded. I could not believe what I was hearing at this point I was in tears, and told them if I could talk to someone that can help me. They told me to file a report with their company, and that's all that I could do, and that I now have a 2000.00 credit limit with their company.
I feel that they did not give me accurate information in telling me who they really are, if they had told me that this was not a major credit card, then I would have hung up IMMEDIATELY. However, now I called my bank and they told me that it will be under investigation. I just hope that I will get that money back into my account so my overdraft fees will be reversed and I will NEVER EVER fall for a scam like this again.
CAPITAL FINANCIAL is a cruel and unusual way of getting the naive trust of their customers, I see that they target young no experience people like me 22, who do not have sufficient credit experience. This is a joke! I need help in trying to fight for my rights and what is just humanly fair.
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