I admit I am young and nieve but that gives them no reason to rip me off. capital first called me asking me if i wanted them to send me a credit card since the card that i had applied for previously did not accept me. They were going to help me establish good credit. I honestly couldn't understand the lady that was talking to me because she had a funny accent.
They told me they were going to charge $25.00 for the shiping and handleing. I realize now how stupid that was but at the time i just wanted to hang up it was such a long process.
one month later i moved to another state on my own so i had just enough to get by. I was already running low on my account and i was just waiting for my check and i never got it. So i thought it so happens i did get my check but they took it out within hours of me receiving it. Not only did they take my $25.00 they took an additional $140.00. I was in a new city in a different state not knowing anyone or even having a job. I was extrememly devistated i didn't know what to do. I called my bank and they gave me capital first's phone number.
I called them hoping they would be human enough to hear my situation. The other thing was that i didn't even have there card because i was already living in another state. she put me on hold for the longest time and then came back saying i was too late to ask for my money back or for me to cancel anything. She wanted to send me an additional package and i said no.
I asked to talk to the person in charge and she denied saying that they would tell me the same thing she had already told me. I asked her how i could try to get me my money back and thats when she gave me the corporate office address. i asked for a phone number or email and denied all request. She told me the only way to get it was by writing to the corporate office.
A couple of wks later i was pretty broke i only had a little over $70.00 in my account. My sister new the tough time i was in money wise so she put $100.00 in my account to help me out until i got my first check from my new job. Little did i know that these jerks gave my info to two other companies that i had never heard of or even talk to. i went to take my money out to pay some bills and buy a little bit of food. When i went i decided to take only $20.00 out just in case the money wasn't there yet. When i got my slip it said i only had $3.00 and some change. I literally wanted to cry. I could not believe something like this would happen to me again. I called my bank and asked for an explaination. They responded by saying that these two companies and just taking money out of my accout.
premium mega saver took about $54.90 and the other company was hartford auto club they took about $100.00. I called capital first wanting to know why they gave my info to these other companies when i hadn't agreed to that. they said they didn't know anything about any other company. And once again told me to write to the corporate office. The bank gave me there numbers so i could call them and see what happened. PMS 1-866-237-0313 and HAC is 1-866-888-9157 they too denied any help or money back i don't even know what these companies offer besides the hartford auto club i don't even have a car so why would i need to pay 100 dollars for services that i don't need.
if theres any one out there who can help me out i would really appreciate it. I'm confussed in what i need to do in order to get my money back. I already tried the bank and they never faxed me the dispute form hch. i don't know what else to do.
san diego, Connecticut Click here to read other Rip Off Reports on Hartford Auto Club Click here to read other Rip Off Reports on Capital First Click here to read other Rip Off Reports on Premium Mega Saver '>CLICK HERE to read about Credit Card Scams... find out how to get your money back. Consumer makes harsh but accurate statements. *Rip-off Report Investigation follow-up provides valuable information.