Thanks to First Capital Consumers Group, my life is in shambles. I was first contacted by these people around the end of May. According to the caller ID, all I saw was Toronto. Since I kept getting calls from this number in Toronto, I, regrettably, called back June 4.
When I conversed with them, they told me that I would receive the card and the package 2 weeks after the debit date which was supposed to be June 17. A few days later, I had second thoughts about it and was about to do a stop payment, however, the check bounced, and I didn't think they would send it through again. 10 days later, the money cleared (money I was actually supposed to use for rent), and I thought "fine" since this would help get out of other situations.
Three weeks later in mid-July, I kept calling to see if I could get the card number because I had a medical emergency (after all the two week time period was up, and credit card companies can give you the number once they've processed everything). Each time I called, they were very insensitive and told me to wait for the package. In the meantime, they never told me what the card really was.
Shortly there after my friend came to visit me to go on a vacation. While on vacation I ran out of money due to my medical emergency, and the fact I had extended a rental vehicle during this time. In the meantime, I just assumed the card would arrive, or that I would at least get the chance to get the card number to get me out of this jam.
To make a long story short... I finally received this package at the end of July to activate the card, just to find out it is a Stored Value Mastercard I would be activating with an additional fee for $18.95. The night I received the package, I called to make sure that the card would have the $2000 credit limit I was promised, and the lady with a thick Spanish accent told me yes, the card will already have a credit line and I would not have to put money on it (which you have to do with a stored value card, of course).
The following Monday, I called the Toll Free number in the package just to triple check, and they had never heard of these people in Toronto. I called these fools back at 1st Consumers, and they tried to pass it off as a mistake on the salesman. However, the salesman wasn't the only who lied, everyone else lied or misled me.
First Capital didn't tell me the truth until I called them on it. Because of this I'm in worse shape than I was before they contacted me. I owe my friend money because of them. Not only do I want a full refund, I am pressing charges against these SOBs.
Here is a hint: Whenever you apply for a credit card, and they don't ask for a SSN, BEWARE!!!
Jay
Smyrna, Georgia
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