Capital First Benefits ripoff miami Florida

I was crazy to think someone would give me a credit card but i did.One day a lady name kim called my house and said i was approved for a visa with the credit limit of $5000 and that was in April and it is now December and im still waiting for my card anyway when she called i didnt have the money so she said that she could hold the account for as long as i needed all she needed was my account information and i told her i didnt fill right about giving out that information over the phone and that i was waiting for another credit card the next thing you know my landlord was knocking at my door saying that my check didnt clear for the rent. and i know i had the money in the bank so i called the bank and they told me what was going on, so i called first capital to get my money back and they told me once they take the money they cant put it back so i should just wait for the card. I've called them several times and they always say they'll send me another its going to take four weeks, it must have gotten lost i think i heard every excuse in the book.The next thing you know I owe the bank 1,382 and i dont have an account and my name is in the check system so i cant get another account and its going on my credit report if i didnt have the funds in the bank why did the bank give them the money and then charge me for it i tried calling the bank and they say im responsible for the money and that i need to pay them.I dont know what to do i have three children and no money i was fired from my job and know i dont know what to do.

Lakisha
Hartford, Connecticut