- Report: #18207
Complaint Review: First Capital Comsumer Group - Toronto Ontario
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Author Not Confirmed
Why?
First Capital Comsumer Group
Toronto, Ontario, U.S.A.
Phone:
416-488-4664
Web:
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Business Rating:
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First Capital Consumer Group ripoff, credit card scam for Mastercard and Visa Toronto Ontario
This company (if it is a company) is a rip off. They called and sayed that I had be already approved for a credit card, there were 2 different deals I could choose from (Visa or Mastercard) and I also would receive a free computer.
I thought this was all too good to be true so I started to question them, they told me that the catch with the free computer was I had to use AOL for one year.
They took the money out of my account and I have yet to receive the Visa Gold card. I have since tryed to call them back on their CS # and I finally got to speak to a live person and he told me that it was on it's way.
that was last week, still no card and when you call the number all you get is a recorded message or transfered to a voice mailbox.
They have not only rip me off the also called my husband and got him too. So now we have got to call our banks and try and get our money back, over $300.00...
Patricia & Anthony
Fort White, Florida
I thought this was all too good to be true so I started to question them, they told me that the catch with the free computer was I had to use AOL for one year.
They took the money out of my account and I have yet to receive the Visa Gold card. I have since tryed to call them back on their CS # and I finally got to speak to a live person and he told me that it was on it's way.
that was last week, still no card and when you call the number all you get is a recorded message or transfered to a voice mailbox.
They have not only rip me off the also called my husband and got him too. So now we have got to call our banks and try and get our money back, over $300.00...
Patricia & Anthony
Fort White, Florida
2 Updates & Rebuttals
Kevin
Boise,Idaho,
First Capital Consumer Group please read
#2Consumer Suggestion
Fri, May 17, 2002
This company is purposefully and intentionally committing acts which may have criminal intent.
Here is my involvement. The sales department had told me that I would be charged $ 199.00 for two separate cards (one VISA and one MASTERCARD) with a fixed 4.9% rate and $2,500.00 credit limits. I was told the money would be withdrawn from my bank on May 15 2002 and that I would receive my cards within 10-14 business days after. Since it had been two days, I checked with my bank and no money had been transferred as of yet. So I attempted to look up this companies information on the Internet, and instead found these complaints. So I called 12-15 times today until I reached a live person. I am glad I did.
I just had a 20-minute conversation with an employee of this company. This employee has confirmed that the sales department is intentionally and by instruction lying to people and making completely false claims. I was told that the mailing address for the company in New York is fictitious. The company's actual physical street address is 1992 Yonge St. in Toronto, Canada. They plan on dissolving this corporation and have already chosen a new name (possibly Liberty Beneficial Credit Services but the rep wasn't sure.
I have also been told this company is not withholding any payroll taxes from their employee's paychecks.
This is what the employee told me about their services and what they really do.
The actual program this company offers is a secured MASTERCARD through another bank or finance institution. They take the initial fee from your account, which takes 5 days to transfer to First Capital Consumer Group's bank. They then send a security package explaining the secured MASTERCARD program and that takes 30 or more days to receive. Once completed and returned it then takes another 30 or more days to have another company issues the card. You can then deposit money up to a maximum of $ 2,000.00, and your available charge limit is then equal to your money on deposit.
Cindy
Los Angeles,California,
This is true
#3Consumer Comment
Fri, May 10, 2002
This same company has told me I had a seven day free trial and I was charged before I even got the paperwork. I am now hurting really bad as a result of overdraft charges. When I call they keep telling me they have a too high volume of calls to help me and that someone will call me back. They never do call back. I am about to lose all this money because I cannot reach anyone and the 30 day period to get my refund is coming near.
