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Delaware Serving New Castle, Kent and Sussex Counties

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This Business is not BBB accredited

First Beneficial Credit Services LLC

Additional Locations

Phone: (866) 845-8888 View Additional Phone Numbers 1201 N. Orange Street  Unit 798, Wilmington, DE 19801

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Description

Calling consumers through telemarketers located in Canada, First Beneficial / American Capitol offered to provide consumers with an unsecured major credit card, such as Visa or MasterCard, with a substantial credit limit, such as $2,500, and absolutely no security deposit, regardless of their credit history.

Telemarketers represented to the consumers that they are pre-approved for a credit card and assure them that if they pay the required fee, they will receive the credit card.

In connection with taking applications over the telephone, telemarketers persuade consumers to divulge their checking account information, including their name as it appears on the account and the account number, and their social security numbers.
First Beneficial / American Capitol routinely debit the bank accounts of consumers, in advance of providing those consumers with the Visa or MasterCard credit cards promised during the telephone calls.

After debiting the funds from the consumers' bank accounts, First Beneficial / American Capitol do not provide consumers with the promised credit cards.
At best, in some instances, First Beneficial / American Capitol do provide consumers with a booklet that provides information and advice on such matters as improving one's credit rating and obtaining a credit card. They may also provide some information on merchandise discount offers. In some cases, a card that can only be used to purchase merchandise from a specific catalog is provided to the consumer.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that lowered the rating for First Beneficial Credit Services LLC include:

  • Failure to respond to 1 complaint filed against business
  • BBB does not have sufficient background information on this business


Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on First Beneficial Credit Services LLC
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

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BBB file opened: April 19, 2001
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Delaware Banking Commission
555 E. Loockerman Street, Suite 210, Dover DE 19901
http://banking.delaware.gov/default.shtml
Phone Number: 302-739-4235
Fax Number: (302) 739-2356
Dawn.Hollinger@state.de.us

Licenses, Division of Revenue
820 N. French Street, Wilmington DE 19801
http://www.state.de.us/revenue
Phone Number: 302-577-8778
Fax Number: 302-577-8203

Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Viktor Golub, President
Contact Information
Principal: Mr. Viktor Golub, President
Business Category

CREDIT SERVICES CREDIT CARDS & PLANS

Alternate Business Names
1st Beneficial Credit Services LLC American Capital First Beneficial First Beneficial Credit Services Platinum Express Platinum Express Beneficial LLC
Industry Tips
Credit Reports-How to Obtain One Credit- How to Establish It
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