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Report: #180840

Complaint Review: Capital Financial Card - Largo Florida

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  • Reported By: San Diego California
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  • Capital Financial Card Largo, Florida U.S.A.

Capital Financial Card ripoff Largo Florida

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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.

San Diego, California

This report was posted on Ripoff Report on 03/13/2006 09:28 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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