CAPITAL FIRST ripoff fraudulent misrepresentation of facts to induse customer to accept a credit card Miami Florida

I was contacted by Tamara Elexis id # 634. She told me that Capital First has approved me for a master card with $2,500.00 credit limit and zero APR for the life of the cridit card.

She told me that there is a fee of $29.95 to send out the package to me and that after I sign the contract and return to them, they will send me the credit card. She also told me that after I receive the card I have seven days trial period within which to call and cancel if I don't want to keep the card.

If I decide to keep the card the will charge me a one time fee of $59.95 and an annual fee of 99.95. I asked her if these monies will be taken out of my account at the same time, she said no. That they will contact me before they debit my account.

She requested for my account number which I gave her after she said they will only debit me for $29.95. Two weeks after they debite my account, I did not receive the the package. I called the customer service number Tamara gave me. I talk to a girl who refused to give me her name She told me it must have been lost in the mail. She ordered another package to be mailed out to me.

I got this package two weeks after and when I read the contract I found out that the card was not a credit card. I was supose to call capital first to provide money on the card each time I want to use it. Also there was no where in the contract they mentioned the credit limit I was approved for nor the zero APR for the life of the card.

I got this package on Saturday and I called them the following Monday to cancel and for the refund of my money. I was still arguing with them on that when I went on line to check my account to find out the also debited me for $59.95 and $99.95 but the check bounced and I told my bank to put a stop payment on those amount. I wrote Capitalfirst to refund my $29.95.

If they don't, I will be willing to take up a class action law suit against them. I am an attorney by profession, licenced in the District of Columbia. So those interested should contact via my e-mail Chidinma.iwuji@usdoj.gov

Chidinma
woodbridge, Virginia