BBB Business Review
This Business is not BBB accredited
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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.
This business is not BBB accredited.
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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
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||1|
|Total Closed Complaints||1|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
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
Phone Number: 302-739-4235
Fax Number: (302) 739-2356
Licenses, Division of Revenue
820 N. French Street, Wilmington DE 19801
Phone Number: 302-577-8778
Fax Number: 302-577-8203
Type of Entity
Limited Liability Company (LLC)
Business ManagementMr. Viktor Golub, President
CREDIT SERVICES CREDIT CARDS & PLANS