Credit Tips: Telemarketing Credit Card Scams

Posted On: April 1, 2006

Author: tired of being ripped off
Posted: Fri Oct 28, 2005 8:24 pm
Post subject: question to the group from a newcomer

I’m assuming we’ve all been scammed, myself by Capital. It was by phone, they said Capital One, unsecured, refund my $200.00.
I wrote them, begging with valid reasons: disability, bank account with supposed discetion of a payee: this withdrawal mistakenly left me overdrawn with fees and threats of returned checks.
So, when I saw there was no refund forthcoming, I tried to get the card, and found them gone. That’s when I found this website. I gather they’ve changed their name.
So, my question is, should I go to their new website and get the card and get a few things? Or is the whole thing a scam? Am I tthrowing good money after bad? I heard one person never got a card. Are there really no items for sale?
If that’s the case, do we have any hope of some kind of class action suit?
When this first happened, I talked to my attorney, and he said we could sue, and we’d win, but we’d probably never see a cent. The Refund Dept. I sent the request to was a P.O. box somewhere in Florida.
Any suggestions? Commiserations are welcome.

Author: Verne
Posted: Sun Oct 30, 2005 11:17 am
Post subject: Telemarketing Credit Card Scams

This doesn’t sound like Capital One but more like a telemarketing scam using a similar name such as First Capital or Capital Choice, just to name a couple credit card scams.

If a telemarketer calls with a great credit card deal that requires a sizable deposit or fee (especially if you have poor credit) it’s a scam. They will say or promise anything to get your checking account information and then stall with more promises so the deadline to dispute the charge expires.

Contact your state attorney general and check sites that specialize in telemarketing credit card scams such as eyeoncredit.com (scam warnings) or ripoffreport.com. More and more, your state attorney general is your best chance to get your money back if it’s too late to dispute the withdrawal with your bank.

And before you do business with anyone, first give them a severe googling.