First Capital Consumers Group
Credit Card Offer Scam
Lulled Into Losing
I came across your website while trying to locate a credit card
company by the name of 1st Capital Consumers Group. I have
been waiting 5 1/2 weeks for credit cards which were promised to
be received within 2 weeks of my authorizing withdrawal of $189 from
my checking account.
They gave me a phone number of 416-488-4664 to call in case of questions
or concerns, but I have never been able to get through. I either
receive a message that "their customer service representatives
are busy" but there is no option to leave a message only to
keep calling back or the other message of "the mail box is full".
I have even tried every 30 minutes in case they were just busy,
to no avail. I was wondering if you have ever heard of this group
or has anyone ever had the same problem and is this fraudulent. I
have contacted my bank for information in connection with who may
have pulled the funds or possible fraud, but I am still awaiting
Do you have any information on this company? I reviewed your site,
but could not find an identical situation. If you have any information,
please email back.
Rachel Padilla of AZ 01/02
Another reader writes "I also recently applied for two credit
cards with this company for which they were going to subtract $199
from my account. I found out that they had subtracted
twice and caused my account to be overdrawn."
"Like Rachael said, they are impossible to get a hold of. They
say they are busy, leave your name and number and they will try to
return your call in 24 hours. I called them last week, and
left my number, but they have never returned the call."
Yet another laments:
I think that my family has been the victim of a phone scam by a
company called First Capital Consumers Group. We allowed
them to take $199 out of our checking account on 2/5/02 and were
told we would receive credit cards in 10-14 days but we still have
no cards after 6 1/2 weeks.
We have been making calls daily to this company however each person
we speak with tells us a different story.
We will now lose our car because we took it to the shop after we
had been told that the cards would be here in time to pay the bill. Now
the mechanic is going to auction the vehicle because we cannot pay
for the repairs.
Karl & Melissa Wooden 03/23/02
The Calls Keep Coming
I am also a victim of First Capital credit company. I got
a call from them on 3/14/02. They offered me two credit cards with
no fee and a very low APR. As a result of accepting they took $199
from my bank account as a processing fee.
I've got two numbers 1-416-488-4664 pin 2828 and 1-416-363-5296.
I've called the last number a few times to cancel but was told it
is impossible until I receive my cards, which of course have yet
Once when I called they did not answer as a business but just said "Hi,
who is it?" and only acknowledged it when I asked. I
also asked them about their location and they said that they are
situated in New York state close to the Canadian border which was
a lie, because I tracked their numbers to Toronto, Ontario, Canada.
I told them that, but they denied it. When I reverse traced
the number 1-416-363-5296 this is what I came up with, though it
may not be accurate as numbers change often and directories are rarely
The Printing House
Contact: Janice O'Born, Chairperson, Charitable Office
15 Stanley Avenue, Toronto, Ontario M6J 1A4
Tel: (416) 363-5296 Fax: (416) 363-0300
The number is also linked to:
RAHMAN Azizur R. (Prince) & Nazneen (416) 363-5296 in Bangladesh
Sent in by Vasyl Sendeha 04/08/02
I ran across your website in hopes of NOT finding 1st Capital Consumers
Group mentioned but I see they managed to tap me for $198.00 as well.
I sort of put myself out on a limb as well. I also found the phone
number (416-488-4664) is listed out of Toronto, Canada. Who do I
contact about this?
Brian Williams 04/08/02
I also think I was scammed. The caller from 1st Capital Consumers
Group said I had been pre-approved for a MasterCard with a $2500
limit and 14% interest rate, plus a Visa card with $1000 dollar limit
and 0% interest. All that was required was a one time fee of $199
with no annual fees.
When I questioned him about which bank sponsored the card he inferred
that they were a subsidiary of Capital One & GE Capital.
"Matt" gave me their customer care # and a PIN # which
I would need to activate these cards when they arrived in 10-14 days
then indicated security for the company would call in the next 15
A woman called back and stated the call was being recorded for security
purposes, verified my personal information and made sure I had both
the PIN and phone numbers.
The $199 was taken from my account immediately on 3/26/02. I cannot
reach this company and when I looked on-line I found your site.
I am concluding that they are preying on people who have had recent
credit problems, which I have had, since September 11th. I
was waiting for the cards so that I could visit my son overseas.
I really thought I would be the last one to fall for a scam. I
hope these people can be brought to justice as this is a despicable
A girl named Faye from First Capital Consumers Group called me and
told me I had been approved for both a Visa and MasterCard. She said
it would only cost me $199 and I would have a credit limit of $2500
on both cards.
I thought this was a little odd because I have horrible credit
and the only card I can get is a secured card so I told her I wanted
her customer service number so I could look further into the offer
and call back.
Surprise! She didn't even know the number. She said
she had to check with someone else for it then gave me the number
to her desk which was 416-921-0871.
About an hour later I called back and she just says "Hello." Now,
to me, if you work for a bank you answer the phone with the name
of the bank but it sounded like she was at home. I heard the T.V.
going and kids playing in the back round.
DO NOT TAKE THIS CREDIT CARD IT IS A SCAM!!!
Kristi Page 04/24/02
Your site is great... I only wish I had seen it earlier, as I was
also ripped off by First Capital Consumer. They wanted $199.00
processing fee for a $2500 Master Card ... and like an idiot! I went
I got an information package in the mail, with no credit card. There
was an application for a stored value Master card, but certainly
not a credit card as promised. I cannot get through to them at all,
I have contacted my bank to see if they can get the money I lost
back ... but I doubt it will happen.
Mary Carpenter 06/12/02
I too had the same problem with First Capital Consumers Group. The
only difference being that after my husband took the offer he called
to cancel it but 2 months later they went into our bank and took
the $199 anyway..
It is now a month later and we have not received anything and though
we have called the the number it is always a recording. Has
anyone found a way to get their money back cause I am now at my wits
Sandra Mayotte 06/20/02
Me too! I was scammed by 1st Capital Consumers Group last Wednesday
the 12th, and told I would receive my credit card via Federal Express
on Friday the 14th!
The "follow-up" call denied this stating the cards would
not be sent until they received my $199! This made me suspicious,
and though sorry I waited a week to search the web, thank goodness
I found your site!
I'm off to the bank with a printout of the complaints against them
from your website to put a stop payment on the transaction.
Heather Rendon 06/19/02
I too am experiencing the identical circumstances though I was
given a direct number and address of the solicitor who called me:
FIRST CAPITAL CONSUMERS GROUP
30 or 36 EGLINTON WEST
TORONTO, ON M4R 1A1
(416) 488-4664 (800) 310-6616 (416) 488-8103
(416) 289-3001 (716) 876-8559 (416) 363-5296
|SOLICITOR - FIRST
593 YONGE ST
TORONTO, ON M4Y124
I was told they were an agency that matches people up with credit
providers and they specifically named Capital One and Bank of America
as two of the companies they deal with.
I requested further information and was referred to Capital One's
website but found it didn't reflect what 1ST CAPITAL CONSUMERS
GROUP was offering.
I contacted my bank to stop payment but it was too late. My
account had been debited under the name 1st CAPITAL CONSTELLEPHONE
I am almost sick, reading your article, praying I would not see
this company listed, but there it was. Along with identical stories
of mine. I have had $199.00 deducted from my checking account and
I too am waiting for my credit card. Please tell me what
can be done?
Thank you so, so much for your website! If it had
not been for you, we would have lost $200.
This First Capital Consumers Group called me, telling me that
I had recently been approved for a MasterCard, with a $2000 limit.
Since I had recently sent away for a MasterCard, I instantly thought
that it had something to do with that but the $2000 astounded me,
as my credit is not that great to deserve such a high limit. However,
I stupidly gave "Laurie" my bank account number and other
personal information and as soon as we hung up the phone, I had
That evening, when I got home, I had received the credit card
in the mail that I did apply for, but it only had a $300 limit.
Then I really knew something was fishy.
I called the next morning and asked this "Laurie" some
more questions about the company, and she told me that we would
be receiving a Visa Card as well as a cell phone with 3000 local
minutes, all FREE!
I am a firm believer in If it is too good to be true, then it
is probably false so I did an internet search on "First Capital
consumers group" and was horrified!
I immediately called my bank and they immediately froze my account
and then gave me a new account to prevent this company from taking
our money. Then I called this "Laurie" at 416-485-8203,
and told her the joke was now on her, and that they would get no
money from this sucker.
Four days later I receive ANOTHER phone call from the same number!
This time, she identified herself as "Faye" with "American
Capital" offering me a Visa card with a $2500 limit. When
I told her that their company is a scam, she proceeded to argue
with me and told me she did not appreciate my comments. Needless
to say, she was hung up on.
I cannot believe the nerve of these people!
Have you heard of any scams related to the First National Bank
of Marin, in Nevada? They offer a Visa for an partial and initial
fee of $49. For that you get your card, but then they bill
you the balance of the fee, which is $50 (for a total of $99),
and the security deposit, which is $200. Depending on income,
you can get up to an $800 credit line, so the deposit and the fees
would decrease any available credit.
Tracy E. Fontecchio, FL 05/13/02
I received a phone call from a person by the name of Jacinta at
First Capital Consumer Group who also convinced me to take a card.
After giving me a pin # and her "direct line" of 416-488-4820,
she said I was to receive a call back in a few minutes to verify
I gave the verifier my bank information and even asked a number
of questions which he answered to my satisfaction but still the
small voice within me kept telling me something was wrong so I
decided to check them out on the internet which was the best thing
I did since your site came up.
I immediately called my bank and put a "Stop Payment" on
the electronic transfer. It cost me $15.00 however, I feel this
is a small price to pay for my ignorance. You try to have confidence
in people and think they will have a conscience and not do this
type of work but were it not for your website I would have lost
my $199.00. Thanks, and keep up the good work!
Cynthia Lazaro 05/15/02
I too feel as if I have been scammed by First Capitol Consumers
after my account was debited 4/1/02 for $199.
I actually managed to speak with a live person on 4/20/02 who
said they were integrating their system and the packets were late.
I informed them that I suspected fraud but he assured me otherwise.
A week later I received a packet - not the credit card as promised
- but an application labeled Stored Value MasterCard Activation
Kit to be mailed to CCPC Activation Center, P.O. Box 935, Bel Air,
To date I still have not received any cards so I am trying to
get my bank to reverse the charges because of suspected fraud.
Pamela Reynolds, Florida 05/22/02
On May 25,2002 I was interrupted by a phone call from First Capital
Consumer Group stating they had reviewed my credit from a previous
credit application and that I was approved for two credit cards
with a limit of $2,500 apiece..
I suppose the offer was too good to be true even with the processing
fee of only $199 which was to be debited from my account on June
The man who called and approved me, Rocky Davis, gave me his personal
line to contact him if I wanted to cancel but when the verifier
finished his spiel he asked me what number I had for customer service
then stated that Rocky Davis had given me the wrong number and
to write down 1-416-488-4664 which is the voice mail that never
calls back within the promised 24 hours.
I checked them out and would have lost my money if I hadn't closed
out my account before they could access it.
Oh well, call me gullible number whatever. I too am a victim
of 1st Capital Consumers Group. Get this, they even promised
me a new computer. I fell hard. They got me for $219.00.
Phoenix, Az 06/24/02
I too have been a victim of these
Since they came into my life I
have also had $14.95 taken out of my account once a month from,
based on my statement, a company called VVX.
I have had my account closed, but
these people managed to take out 14.95 per month seven times
and are still trying to take out $200-249 every two weeks or
N Rivera 06/26/02
I am horrified by what I have been reading about this company.
I am glad I found your site so I won't be running
to the mailbox each day looking for the promised card but would
like to help stop this scam and possibly get my money back.
I do know from experience that they listen to the messages left
at 416-488-4664 because I was supposed to be debited
on June 21 but left a message with my pin #1515 requesting they
hold off on the processing fee until the 28th due to a shortfall.
Lo and behold my account was debited on June 26th
and my bank thought they would do me a favor and cover the overdraft
until my paycheck came the next day.
My electricity has been cancelled due to this until
my next pay in two weeks. There has to be a way to sue or stop
Jenny Brewer 6/29/02
I found your website concerning this company. I too was
scammed by them and my story is very similar to those I read on
your site. A week after they debited my account for the $199
I called back and they told me they had no record of the
transaction. I was told it would take a week for them to
get confirmation from my bank that the money had been pulled.
I found out that this company banks with Pacific Mercantile Bank
(714-438-2500) so I contacted them and asked the girl who answered
if she had ever heard of First Capital Consumers Group.
She immediately asked if they had debited my account; I told
her yes and that I thought it was a scam. She told me that
they bank there and gave me a recording about going to my bank
and signing an affidavit for a refund if the transaction has been
in the past 60 days.
I went to my bank and, without charge, signed an affidavit for
a improper/unauthorized ACH transaction. The lady at the
bank says that since I gave them my checking account number with
the promise of a card that I never received, I was entitled to
She told me that the funds would be back in my account within
24 hours and despite the credit card company already having the
money, my bank can deny the transaction. So hopefully this
will help some of your other readers in getting their money back.
I have also started steps to file a complaint against First Capital
Consumers Group with the Illinois Attorney General. I advise
others to do so with their state's Attorney General.
Monique in Illinois 07/11/02
For info on Reversal
of an ACH Transaction.
I too have been a victim of of this so-called company which phoned
to say I had been approved for a $2000 MasterCard with access to
$500 in monthly cash advances up to a total limit of $25,000...all
for the one time activation fee of $219 to be taken from my bank
"Sam" even gave me a pin # and a toll free # that I
could call to ask for an extension on the debit date so that I
would actually receive the card before money was taken from my
account. I was very skeptical and asked many questions before
finally being lulled into a false sense of security and saying
okay to the application.
I was then passed on to his "Supervisor" who confirmed
the information I gave and was told that my account would be debited
$219 on June 27th (which it was) and that I would receive my MasterCard
in the mail 7-10 days later.
On July 19th I got a package in the mail with an activation for
a Stored Value MasterCard and a variety of other things as well
but no card..
I tried to call the Customer service number on the welcome sheet
to ask a few questions but got a recording saying this was NOT
a valid number.
It has been an expensive lesson for me but one I will always remember. I
just wish I had found your site before this happened.
Jenni Vahle 07/19/02
As a follow up, I never did get hold of the company. Every
time I got the same tired message of "We are experiencing
a high call volume... blah blah blah... call back later".
Thanks to your site I immediately went to my back and explained
the situation. They had me file a fraud complaint and within 10
days the money was back in my account. I'll bet you have
helped more people then you know!
Now anytime I get a call about applying for a credit card over
the phone I give them the click treatment!
Laura Gorden Tucson, Az 07/18/02
I was contacted June 13 by 1st Capitol Consumers Group under the
guise of Capitol 1, the credit card company and received their "welcoming
package" 5 1/2 weeks after they took my $200.
They have stolen my money and have also changed their name to
It makes me sick that a company that outright lied to me is still
in business and there is nothing I can do to stop them.
Glen Ferguson II 07/20/02
I have a feeling I have been scammed. It all started out
when someone from Toronto called about a credit card offer.
At first I was a bit skeptical because I wasn't interested in
any special deals but after about 45 minutes the guy on the phone
convinced me that it was the credit card for me. He threw
in so many perks that I went for it, hook-line-and sinker!
The verification guy Jason was very business-like and indicated
that the call was being recorded. I was told that I would
receive my card within 3 weeks and my starter package in a couple
of weeks and that I needed to sign the card so that they would
have me signature on file.
I didn't have to give my social security number, he just verified
my billing address and told me that the one time processing fee
of $249 could be debited from my checking account in two weeks. I
didn't think anything about it again until I started reading about
credit card scams which sounded similar to my situation.
I decided to call the numbers I was given and found that the number
that the guy called from : 416-847-0014 was a home number and had
just got them out of bed. The customer service number that
I was given: 1-866-646-2246 says it is only available from
the hours to 10-5 Eastern , but leave a message and someone would
get back to me within 24 hours.
I tried this number several times today and was unable to get
through. Richard, the telemarketer, told me that if I ever
needed to get in touch with anyone regarding the account that I
should call and leave his representative number which was 9921
and he would get back to me.
Richard provided me with an address that didn't seem to coincide
1 Hanford Plaza
263 Tressor Blvd, 9th Floor
Sanford or Hanford with a zip code of 06901
After reading the horror stories I am at a loss. This has
never happened to me before and the only reason I consented was
because I had obtained a legitimate credit card that way once before.
I'm not a rich person so having someone take my money on a fraudulent
basis is disturbing. Please help!!!!
Cynthia Papin 08/06/02
Thanks to your site I now know that 1st Capital Consumers Group
is a fraud.
I was ripped off on Oct 26 , 2001 when $189 was taken out of my
savings account in return for nothing. I finally got through
to someone and they told me due to 9/11 mail had been slow. Stupid
me believed it.
I called back a month later and kept getting a machine that said
the voice mailbox was full. I ran up my phone bill to an
unbelievable amount and one day finally got through to them and
told them off, but it did no good.
Finally the Hammer Drops
Washington/Ottawa 10/22/02 - The (Credit Card-Offers & Plans
1685 Elmwood Ave. Suite 214
Buffalo, NY 14207
Soliciting for credit cards for an advance fee. BBB file opened
1998. 370 complaints in 36 months. See FTC and Attorney General
of Minnesota complaints below.
FIRST CAPITAL CONSUMERS GROUP ( Credit Card-Offers & Plans
229 Genesee Street Niagara Square Station
Buffalo, NY 14201
Imply consumers were approved for a credit card for an advance
fee of $219 but do not send cards or refunds.
FTC v. FIRST CAPITAL CONSUMER
MEMBERSHIP SERVICES, INC., No. 1:00cv00905
Capital Consumer Membership Services, Inc.,
practices in violation of Section 5 and the Telemarketing
Sales Rule in connection with the sale of credit card loss
10/23/00, TRO with asset freeze 10/25/00, injunction
to intervene by EPX filed 6/7/01.
First Capital Consumer Membership Services
The State of Minnesota, by its Attorney General,
Mike Hatch, alleged as follows re 1999:
1. First Capital Consumer Membership Services uses
high-pressured fraudulent, misleading and deceptive telemarketing
pitches, followed by packets of deceptive written materials, to
offer and sell credit card protection and credit information to
cardholders for $259 or more each for its credit card protection
and low-interest debt consolidation programs.
2. With respect to its credit card protection program,
First Capital "guarantees" that cardholders will not
be responsible for charges made on lost or stolen cards that are
registered with them... misrepresents that cardholders will be
liable for all unauthorized charges up to their credit limit, and
omits the material fact that cardholders’ liability is statutorily
capped at $50. Defendant further misrepresents that it is associated
with Visa and/or MasterCard, and that cardholders are required
to purchase their programs. Finally, Defendant induces sales of
its program with a deceptive "30-day trial period," and
then fails to describe or honor the 30-day trial, cancellation
and refund procedures in its written materials.
3. With respect to its low-interest debt consolidation
program, First Capital claims that it will help Minnesota cardholders
consolidate their credit card debt into one low-interest credit
card, yet fails to provide such a low-interest credit card. Instead,
First Capital provides Minnesota cardholders with merely a list
of banks offering low-interest credit cards which are available
to the general public, with no "guarantee" that any such
card will even be issued to the particular consumer or their debt
Moreover, First Capital is a "credit services
organization" under Minnesota law because it purports to provide
advice and assistance in obtaining credit. As such, First Capital
has unlawfully debited the accounts of Minnesota cardholders before
providing any program or service, referred Minnesota cardholders
to banks offering credit on terms available to the general public,
and failed to make and honor written contracts for services with
rights to cancel within five days and to a refund within 10 days