800-922-0186

I received a credit card in the mail offering business financing.  This is the number on the paper I received.

IMCA CAPITAL AKA CUSTOMERS BANK
Posted in:  https://800notes.com/Phone.aspx/1-800-922-0186
Web site lists no physical address:  http://www.imcacapital.com/contact-us/
BBB lists them as an accredited business with no rating 65 complaints, 8 negative reviews, and it looks like they are all about the same thing.  Deceptive loan rates, not returning advance fees (which are illegal), etc.:  http://www.bbb.org/losangelessiliconvalley/bu ... es-ca-100087837
Web site says they are a great place to work, but the reviews on Glassdoor say different:  https://www.glassdoor.com/Reviews/IMCA-Capital-Reviews-E807091.htm
Bizapedia has this:
Company Name:      IMCA CAPITAL LLC

File Number:      9155077-0161

Filing State:      Utah (UT)

Domestic State:      California (CA)

Filing Status:      Expired

Filing Date:      September 9, 2014

Company Age:      1 Year 9 Months

Registered Agent:               Registered Agents Inc
881 Baxter Drive Ste 100
South Jordan, UT 84095

Principal Address:               11620 Wilshire Blvd #600
Los Angeles, CA 90025

The Utah charter is expired and I can find no California or other state registration under that company name which would preclude them from legally doing business.
The bottom of the paper indicates that this is Customers Bank, a company in PA that issues cards such as the Higher One card which just settled with the CFPB over deceptive terms:

Entity Name:    CUSTOMERS BANK
Entity Number:    C3795977
Date Filed:    06/12/2015
Status:    ACTIVE
Jurisdiction:    PENNSYLVANIA
Entity Address:    1015 PENN AVENUE, SUITE 103
Entity City, State, Zip:    WYOMISSING PA 19610
Agent for Service of Process:    CORPORATION SERVICE COMPANY WHICH WILL DO BUSINESS IN CALIFORNIA AS CSC - LAWYERS INCORPORATING SERVICE
Agent Address:    2710 GATEWAY OAKS DR STE 150N
Agent City, State, Zip:    SACRAMENTO CA 95833

Lots of complaints:
https://www.bogleheads.org/forum/viewtopic.php?t=141114
https://www.hackerfactor.com/blog/index.php?/ ... our-Wallet.html
https://www.reddit.com/r/personalfinance/comments/283v48/imca_capital_scam/
https://www.trustlink.org/Reviews/IMCA-Capital-206066775
http://www.checkbca.org/report/imca-capital-100087837/complaints
https://creditboards.com/forums/index.php?showtopic=535404

All of the positive reviews that were posted on Glassdoor, were posted on March 1th and March 17th.  Looks like they had some employees shill for them.

Forgot to mention that, but yeah that is the way it looks.  It appears that they routinely collect first and last month payments before the papers are signed and then refuse to give the money back.  It took me less than 15 minutes to find out what I did, yet the BBB accredits them with no proof that they are even registered in any state to do business.  Boggles the mind.