Complaint Review: First Capital Consumer Group - Toronto Ontario

I was first contacted by first capital credit on 6/1/02 by telephone in the evening, and was told that I was approved for a two credit cards, a visa for $2000 and a mastercard for $2500 and that i would need to verify some information for them to send the card, It was evening and i was cooking dinner and i told them to mail the information with the offer and I would look the offer over in the mail, he kept talking and I interupted him, stating that the longer he talked, the more it sounded like he was trying to sell me something, he said, I dont get paid by how many credit cards I sell, if you are not interested in the offer, that is fine, I told him if it was a ligitimate offer, he would mail it to me. on 6/3 I was called again, by the same number, the caller said he was not the same guy from before, sounded the same to me, (it was a different number than what was on the caller ID by the last 4 digits). He asked me to verify the information, and I told him I would not give my account number over the phone, he then told me my address, my place of employment, and even my account number and said I was being recorded, to repeat my account number for verification. I asked how he got my account number, his reply was, we are first capital, we are connected with all of the major banks in the country. I hung up the phone with him and contacted my bank and explained what had happened and he told me that it is common for some waiters in restaraunts, that when they take your card to the register for you to pay, as they stick the card in there apron, there is a reader in the pouch that reads all your information from the magnetic strip and stores it to be sold later. I am very careful about any information on the internet, do not make purchases and thought I was very safe with my information. This is the only thing that the banker could come up with. He suggested that I go to the bank first thing in the morning, explain to the officer what had happened, and have them change my accounts. While I was on the phone with the bank, a Matt Mendosa called on call waiting to verify my information. I told him I would not authorize payment, but did not think that would matter to him. I also let him know that I was online at badbusinessbureau.com reading about the ripp offs and scams they were up to and read the address and phone number and all the information posted by an ex-employee and that I would sue him if he made an attempt to debit the account, and that i was on the other line with the bank and the police were on the way to make a report. that seemed to upset him and he hung up. i switched back over to the other line finished with the bank, and called the number back on the caller ID and a lady answered the phone, I asked her how she obtained my bank account information and she said I don't know and put me back on the phone with my account representative Jason Wright, who when confronted hung up on me. My advise is to immediatley contact your bank and have them close that account and issue a new account. The bank representative told me that this type of fraud is becoming more and more common, and to never let your debit card out of your sight. Take it to the register yourself, watch them swipe it once, then take it back. for anyone who has already had the amount debited from there account, you can file a dispute claim with your bank and when they do not respond, the amount will be credited back to your account. good luck shannon deltona, Florida

Victims of First Capital Consumers Group to receive FULL Refund *UPDATED info ..Rip-off Report negotiates full reimbursement