In May of 2002, I received a phone call offering me a credit card with 0% interest for the first twelve months, and no annual fee for just a one time initiation fee of $199 dollars. Because my credit was weak and I was trying to rebuild my credit this offer sounded appealing.
I was told that I would receive the credit card in just a few weeks. I never received anything, but $199 dollars was deducted from my checking account immediately. I called the phone number they provided me and they said that my card was being processed and I would receive it in less than 2 weeks. The card never arrived so I called again. This time they said that it had already been sent and I should receive it within a week, but I never received a credit card.
By this time I was not pleased with their service and tried to get a refund but was unable to contact them with the number that had been provided. I then tried to go through my bank to recover the charges. My bank would not refund this money because 60 days had past. I am still out $199 dollars from First Capital Consumers Group and will file a claim in court if not reimbursed.