Scam calls from "Card Services"
I just got a phone call from a "private caller" (that is, with no caller ID information) and heard a recording from "Card Services", who claimed that my credit card's interest rate was about to go up and to press 9 if i wanted to lower it to 6.9%. Being bored, I pressed it.
Caller: Hi, would you like us to lower your interest rates?
Me: Who are you with?
Caller: Well, would you be interested?
Me: Who are you with?
Caller: We are Card Services.
Me: So, you're not affiliated with my bank?
Caller: slams the phone down in my ear
I guess they weren't.
So, if you also get a call from Card Services, remember that it's 99.9% likely that they're scammers and that it's morally OK to mess with them. If you want to have fun and waste their time and otherwise abuse them, reply here to tell us what happened so we can all enjoy it.
Update on July 30, 2009:
By request of a letter from the Rubinis' attorney, I have removed their home addresses from comments. Please do not re-post such information. Thanks.
Update on August 11, 2009:
The Rubinis issued this statement via their lawyer:
Clear Financial Solutions does not engage in or perform any telemarketing activities. Any complaints or allegations to the contrary are false and without merit.
Comments
Card Services
I have lots of fun keeping a whistle by the phone. When Card Services calls, I hit 9 to talk to an operator, and when someone comes on the line I give 3-4 short whistle blasts, then politely ask them to stop calling me. One idiot actually got irate with me, which provided some good comic relief to the whole episode.
One thing I've considered, but haven't implemented, is answering female operators with the most explicitly obscene suggestions I can think of. And I haven't ruled it out yet.
Card Services
I press 9 and when I get connected I say "Emergency services, what is the nature of your emergency." I tell them to hold the line and that the police are in route and try to verify their address. I tell them their number is listed as invalid and the FCC does an automated trace for the responding vehicles. I have yet to get an address, but I keep trying.
I also keep the state attorney general's names, address and phone number by the phone and I give them his info. Maybe if they bug him, they'll get fined.
Anyone else get the Asian lady asking if you have smoke detectors? They are doing a "survey" that gets sold back to Tele Survey -- community safety survey as leads to sell for Monitronics fire systems.
Card Services - calls into Canada
I have been getting these calls for months. And every time I tell them to remove me from the list AND I report them to the Canadian Do Not Call Registry.
I have no idea how they can take action if the company is not in Canada.
The rep this time was clearly in the US (based on the accent) .. but indicated that the offer was for Canadian's only. How sad that there are people who are actually getting fooled by this.
The number they called me from was: 904-863-0203 and earlier today from 904-863-0208
card services
Do this give them a bogus card number with about 30 extra numbers and read it to them as fast as you can so they dont have time to write it down. When they ask you to slow down ask do you want it from right to left or left to right whe nthey anserw give it at such a slow rate it would take a hour to get through it. Ask them about the weather what movies they have seen of late ask them what are you wearing and breath hard. Nobody calls me more than onces I am not worth it.
CARD SERVICES SCAM
we've been getting calls for a few years from Card Services.
First, they bombed my cell. I listened to one pitch, told them to not call and never bothered to answer another call. For some reason, the calls stopped.
Recently, the calls resumed, this time at home. Two days ago, I pressed 1 to talk to a rep. and when I asked where the company was located, she told me that she'd ask the questions and then ironically, hung up.
This morning another call from them. I pressed 1 and talked to a nice young woman who said they are in San Francisco, that she has only worked there 4 days and wonders what kind of an outfit she has joined. I told her to run for the nearest exit, that I was with the FBI Fraud group and that we were staging a raid on the place. I asked her for her supervisor.
Some dude, said his name is Brian came on the line. He said he'd get my card number and get me 'set up'. I asked him where in San Francisco they are and how I could get them to stop calling me. He said disconnect your phone. I said that won't happen, he said 'welcome to the world.' I hung up.
So, here's what we have done: we have two credit cards in this house. I have called my banks and advised them to put me on the 'opt out' list. That means that I should not get any calls regarding my credit cards. I have also told the representatives I have dealt with that should I receive any more calls from this or any company regarding my cards, we will hold the banks responsible and come after them for our costs and the bother of these calls.
Good luck to anyone who has the bad fortune to be bombed by these a-holes
Card Services
Bad news: These calls don't have anything to do with whether or not you have credit cards. My husband and I do not have credit cards, never used them. We have a mortgage, auto loan, and an account for "toys" ie: boat, quads, snowmobiles...so they are NOT getting your numbers from your credit card companies.
Just got a call
I had a similar experience, except when I said "Take me off your list" he said "Take your phone and stick it up your rear end."
This is who they say they are too...but they aren't
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Rental Lynk, a subsidiary of Universal Lynk Corp.
1768 Park Center Dr., Suite 240
Orlando, Florida 32835
407.292.3635 :: 877.292.3635
contact us :: login
MORE SPAM?
Gee, this sure looks like someone selling resort property and timeshares. Let me guess - you'd NEVER stoop to using robo-calls to pitch your product, right? Nothing to see here. Just more SPAM. Move along folks.
In fairness to your banks,
In fairness to your banks, they have nothing to do with these lowlifes. They can't stop the scammers from calling, any more than Rolex can keep that shady guy with the trenchcoat from trying to sell you a fake watch.
Card Services
Just received a call in California from Delaware (so they said) at (626) 207-9132. I asked them for a phone number, and they said they would give me the phone number for the company and a website. I said "hold on" twice while I looked them up online, and she hung up on me.
626-207-9132
626-207-9132
Details known so far:
DKMARKETING.NET
DAVID KYWI
DKYWI@HOTMAIL.COM
102 ROSWELL GREEN LN
ROSWELL, Georgia 30075
United States
(770) 309-4333
Created on: 09-Feb-09
Expires on: 09-Feb-10
Last Updated on: 12-Mar-09
Currently lives at:
102 Roswell Green Ln
Roswell, GA 30075
(770) 993-8546
Got a good one today
Guy named Brian called today and I know it is a scam but I press 1 anyway, I ask what is the name of the company he says Card Services, I laugh and say I don't have any credit cards and he starts mouthing me off , I said keep talking buddy he calls me an idiot and then tells me to shut up! I said wow how is that you guys are still in buisness when everyone knows you are guys are scammers. He hangs up on me...darn I wish I had a 800 number so I could bug them.
Card Services
1866 358- 5197. But don't get your hopes up. I recieved a call today, didn't answer but they left me a voice message saying that they needed to talk to me about my card they sent out. But the funny thing is, I don't have any credit cards. Tried calling the number they left me all afternoon. No one returned my call, imagine that, and never could get to anything other than a voice prompt to leave a message.
robocall number
When the phone call came in offering the opportunity to lower my credit card percentage even though nothing was currently wrong with my account, I was to press 1 and talk to a "representative". I decided to see if i'd get a real person if I did continue so I pressed the number. When a man answered and asked me if I wanted to do whatever it was today, I immediately asked him to remove my number from his system. He, of course, immediately hung up. The number on my caller ID was 1-979-000-6579. I tried to call this number back but got one of those number not valid messages. I didn't give any info, but I wish I had, mainly because I'd like to find the SOB and turn him in to the FCC! Next time, I'll try to string him along until I can give him a blast from my airhorn! Having now read some of the comments, I realize this is a waste of time trying to "nail 'em" and we don't normally even answer the phone if it is an out-of-area number, but this time I did, unfortunately (now that they know it is an actual phone number, the calls might start!).
Still Going
They're still calling as of January 11th, 2010. Caller ID number was 517-930-2039. Dunno if it's spoofed or not.
My wife almost got hooked
She just got the call from card services, and i heard her talking about interest rates and stuff and i asked her if it was her bank and she said no then i told her to hang up! The number they called from was 986-000-9362. she had to call and cancel her cards!!!!!!! pat attention people!
attorney generals warning
JEFFERSON CITY, Mo. - The Missouri attorney general is warning consumers about a phishing scam concealed as a call to lower your credit card interest rate.
Consumers say the caller claims to be from "Card Services." You are then asked to dial a number which is typically 9 if you are interested in lowering your credit card rate.
Then, you are asked for your credit card number to see if you qualify for this lower rate. Attorney General Chris Koster says it's just an attempt to steal your credit card information.
"This is a typical phishing scam, in that it tries to play on consumers’ emotions and excitement at the idea of saving money," Koster said. "But as always, consumers should never give out their personal information to anyone who contacts them."
I was just real stupid
and gave these guys two of my credit card numbers plus the last four digits of my social security number. After that, they hung up on me. I called and immediately canceled the numbers of those cards. I feel so stupid. Is my credit in danger here?
Me too, your not alone
I also did the same, I feel just as dumb. Cancelled my cards and called the major credit bureaus and put a fradulent alert on my credit report. you can also do this online
www.equifax/fraud and they will roll out it out to the other 2 major credit bureaus. Good luck.
OMG YES your in trouble.
I hope you got all your cards canceled. I would call the Gov.ment too and see if you can get a new social security number too. Hope your not backrupt.
NEW SCAM--BEWARE!!
Arghhhhhhhhhhhhhh! More freakin' robocalls! I have been getting multiple calls daily from "Out of area" or "private caller". I usually just ignore them, but I decided to pick up the other day to check it out. The goofus on the other end (sounded just like the guy from Card Services) said my mag. subcription to Lucky expired this month, and I could renew it for $12.99 if I gave him my credit card number . ( My subscription to Lucky expires in 2012)...... So I played along and said yes, he was happy. Then his supervisor got on the phone to get my info, and I said I was not interested, so then his supervisor hung up. THIS IS A SCAM!! Anyway, they keep calling many times a day about other magazines, always asking for my credit card. When I told them to take my number off of their list---they HANG UP!! These people need to burn in He#@!
What worked for me
I was getting calls everyday three times a day. After arguing with them....asking the to remove me.... and ignoring them i decided to annoy them back.
Every time they called i pressed #9 and waited for the rep to come on the phone....then I answered (in my most business sounding voice)...."District Attorney's Office. How may I direct your call?" Sometimes I'd change it up and answer..."Attorney General's Office. How may I direct your call?"
Dead silence on the other end usually followed by an apology for calling my "business". One gal said she'd remove me. Another apologized profusely, and the third guy was so stunned that he asked what district I was located in and if I had a "dealer's number"? What?! Since they had my phone number in front of them i gave my real state and capital city as my "district". When he asked for a dealer's number I acted annoyed. "Dealer's number?!" He then hung up...i think i had him in shock. LOL
It took about 2 weeks but I haven't had another call. So, answer your phone as professionally as you can and keep doing it. I'm sure they don't want to talk to the district attorney!
Good luck!
Card Services Scam
Hi,
Got a call from Card Services (allegedly) and the automated female voice said " Hi, my name is Rachel and you may be eligible for a lower interest rate from Card Services. Please press 1 and someone will be happy to help you." The call originated from Fremont, MI at phone number (231) 224-2050. I called the number back from a different phone line and it stated that if I want my number put on their do not call list to so do by providing the phone number and area code. I used the other phone number and am waiting to see if I start to get calls. I normally ignore these calls and do not follow up as I know they are scams. Just thought I would pass on the number and information.
Good Luck
Hi,
I've asked them to remove my number.They 've hung up on me. I've called them back and told them to remove me. They've since called 6 more times, each time I ask them to remove me,but they won't. I even asked one representative for his home phone number. He said, he can't give it out. I said, so you wouldn't want anyone calling you at home then during your private time then.I said, so you should get it that neither do I. So please remove my number. Well they called 2 days ago. I told the guy I'm going to sue them for harassment. He said, oh so you must be looking to get money. I said, it's called, I can sue you all for wasting my time by always harassing me when I've asked you all several times to never call again. He said, oh ,so you're wanting money. I said, yeah for harassment if you call here ever again and I hung up!
I doubt this will cease these calls.They harass me every other week.
Card Services Scam
I just got a call from these low lifes. The number that showed up on my call display was 929-200-9110. Thing is, you can't call this number as my local phone company says that's it's a 'one way line' and is currently set up to only make out bound calls. These folks are evil.
The number
The number you have is the auto dialer. The little shmuck I spoke to told me I should "suck his ****" when I called him on being full of shit.
Card services scam
I just spoke with my phone company and was advised that alot of these call centers are based in Pakistan with no return number. My advice is jerk them around so bad that you waste a good 10 minutes of their time everytime they call until they get sick of it. Play stupid which is smart in this case but dont give them any sort of REAL info. HUH...lol
Another number for card services
Just got a call from card services and when i pressed 9 someone aswered but did not say anything than they hung up. I called the number back and a recording came on saying that If i did not want anymore calls from them to hit a certain number.
The number I have is 714-607-5763.
credit card services
I have this number calling my cell phone. 202 607 2943...
to lower your interest rate. now I'm pissed.. how did they get my cell?
need to start a class action law suit..
do not call list
I want to know why they call when I'm on the do not call list!
Same thing...
I had the same number call me today on my cell! Its an unlisted cell they're calling from. They yelled at me and hung up when I told them it was a scam. LOL!
202 607 2943
When you call this number back... you get a 000 000 0000 call back..
New number
I got one today and when I told Ramone on the phone I didn't have a credit card, he hung up. Here's their new number 813-000-3131
Illegal Practices
Yes, I worked for them a couple of weeks. Still haven't gotten paid yet. They are good at scamming their employees too, I reckon. The thing they are doing illegally is calling people out of the phone book. Thus, they are calling people on the Do Not Call list. This is against the FTC regulations and they probably will get busted some day. It seem like they end up having to move offices and change name every once in a while probably when this happens. The only thing they guarantee is that they can lower your interest rate by 3-4%. But, it will cost you at least $695. Much of the time they try to get $995 and once I heard someone get $1295 off some unfortunate soul. They won't work with customers who have their Credit Cards maxed out, because then they have no way to charge their fee to a customers account. Also, there is no way to stop them from calling you. They tell you to tell customers that you will take them off the call list. But, all you can do is hang up on the customer. Thus, you will get called back in a few hours or the next day, even people on the Do not call list. They seem to fear the FTC from showing up to see what they are up to.
So, if you want to fight back they are:
http://usfinancialassist.com/
189 S Orange Ave Ste 1550
Orlando, FL 32801
Phone: (888) 696-2458
Fax: (407)-956-2442
I CALLED TO COMPLAIN!
I called the above number to give them a piece of my mind, I have been harassed for months by the Card Services Criminals. So I called and a very sweet girl answered and called me "honey", I just did not have the heart to yell at her. So I told her that I want my number removed from their list, and she told me to hold. I did not feel like waiting so I hung up. She called me right back!! The caller id said "out of area". (of course) I then proceeded to tell her how annoying and stressful it is to get these calls on a daily basis, after begging them to delete my number from their stupid list multiple times. I said that people do not want to be harassed at home, we are busy, tired, sick, relaxing, taking care of our children,etc. She was quite understanding. Then I mentioned the FTC lawsuit, and read the information to her on the companies being sued as well as the violations. She knew one of the defendants. I told her to get a position in a different line of work, as this is not a respectable job. She then looked up my number and it was in their system, along with my name. She said she removed it. (fingers crossed!) She was extremely sweet, and said "God Bless You" when we hung up. Poor kid, I hope she gets out of there......
card member services,credit lynk,rental lynk
Hello All I’m the manager for Univesal Lynk and we do not scam , we fix credit and rent timeshare units, i need some one here that is reading this and have a situation with the companies to please contact from 10 to 5 in and ask for ext 232. we are not here to scam anyone we are just here to assist the clients that come in our doors. i am not using any kind of robodialing and i think this guys are using my number to hide their company begin mine and i’m gettin bombarded here by all of you and people calling our office and telling us that they are going to kill us, please if you have a situation with any of these companies call us 407-292-3635. i’m going to have to call the police myself and open a case here we have an extensive clients here in our town and have not to hide from anyone. again if you had a situation with Universal Lynk,Reantal Lynk or Credit Lynk give us a call. Thanks:
December 11th, 2009 at 12:33 am
Anon please call me to see if i can hire your private investigators services so we can get this guys and i go back to run my businness like i have been doing before i got to this. 407-292-3635
December 11th, 2009 at 12:46 am
Also People the program works now days its’s so easy to lower you rates from your card all you have to do is call the bank. i know you guys have lots of ideas but no one said yet to call the bank and do it for free, we charge for a job, we do not scam. it will be hard to say that you are getting scammed at the grocery store when the store pays $1.10 for a gallon of milk and sells it for $3.95. its the same people can buy a cow and milk it and it would be free but they don’t same with credit people and banks everyone needs to make money business don’t run on hope. hopefully this helps, because everyone just complaint but talk to yourself and analyze what you do for a living before writing all this bad reports all you doing is getting people fired up. if you call me i’ll tell you how to fix your credit and lower your rates without having to pay a dime. 407-292-3635 ext.232 and if you are coming to Disney we rent timeshare units without having to go to a timeshare tour and usually cheaper than a hotel.
Universal Lynk, RentalLynk, RealityLynk, ResortLynk, Credit L
Here’s how I got my $$ back from Univeral Lynk (AKA RentalLynk, Reality Lynk, Resort Lynk, Credit Lynk, somehow linked to Card Services telemarketing scam and FTC (US FInancal Assist )) a timeshare rental scam that promises to sell your unused timeshare weeks and once they have your $$ (supposedly to process the paperwork) you never hear from them again:
You can dispute any charges made to a credit card –usually within 60 days of original transaction date. Talk to someone in customer service and tell them you want to dispute a service (provide date, amount & Description from credit card statement). They will ask why it should be credited - I told them that a company called Universal Lynk called me and offered to sell my extra timeshare weeks. I agreed to pay them $$$ on my credit card and they guaranteed me that they would refund the full amount at any time during the process if I changed my mind. One week later, I called Universal Lynk back and told them that I wanted to cancel our agreement and that I wanted a full refund immediately. I never recieved a confirmation from Universal Lynk so I continued calling and sending emails until phonelines were disconnected and emails were undeliverable.
Then ask your credit card company to refund you the amount today (processing may take 24-48 hours). Your credit card company will send a letter to Universal Lynk (scam company that charged your credit card). Scam company (merchant) usually has 45 days to dispute charges. If scam company disputes charges you will receive a letter for a rebuttal. Note credit card companies tend to side with their customers.
If your credit card transaction occured outside the 60 day limit tolk to your credit cards "Charge Back Department" and say “A merchant is willing to issue me a credit even though the transaction exceeded the 60 day limit”. Note your credit cards Charge Back Department is the same Dept the scam company uses to charge/credit your account and should also have a current address and telephone # of the merchant. I provided the transaction date, amount, and description. The Charge Back Department issued an immediate credit of the full amount to my account – stating that the funds will be pulled out of the merchants (scammer) account and put back into mine. Processing takes 24-48 after which I should see the credit on my account. Again, the merchant scammer will receive a letter and has 45 days to dispute the charge. If merchant scammer does not dispute it or respond in 45 days, it is done for good If Merchant scammer does dispute it, you will receive a letter to rebuttal merchants claims. I hope this helps someone else.
Note Universal Lynk and its subsidaries (Lynk) is in the process of selling their current timeshare inventory to G-Mack (G-Mac?) which may take months and put a lock an any or all $$ at any time.
Manager of Universal Lynk
If you are the manager of Universal Lynk and it is not a scam, then why don't you proivide your name and a working telephone number so I can contact you directly?
This must be Irving Garcia..or Raymond Ortiz which one
I know who you are and you are a big fat liar....that money you took from me and put on Rays Transmission ( I got it back oh by the way ) courtesy of someone that knows you was my hard earned $$$!! You liars acted like you were a place who rents out timeshares for people when you don't.( Universal Lynk, Rental Lynk ) You are not legit so quit telling people you are...You are a scammer and that is all. The attorney general has been contacted and is working to throw all of you in prison for a long time. You deserve to rot in a prison cell and get everything you deserve. I hope you get a pounding in your a$# for every dollar you have taken from people. I hope you enjoy your prison ride!!! Your language is awful on the phone and in this post you put on here, you are a wussy for acting all big and bad on the phone and not wanting to talk to me because I got you fired up because YOU STOLE MY MONEY,,,,,MAN UP B***H. You know Karma is a mother I hope she comes after you. You need to get a job..oh my bad, you said you do making 14.00 bucks an hour and don't need to be listening to me complain to you for that amount of $$$!! I will put all of your phone numbers and names on here so people can call you like I did morning, noon and night. I bet you miss me calling you don't you? Well I can't wait to see your mug shot plastered on this website when you finally go to prison..?I can finally see what true scum you are!!
Irving Garcia/Raymond Ortiz 1-877-296-3635, 407-857-6471, 407-443-2070, 407-292-3635,
Ray's Transmission/JRC TRANSMISSION SERVICE (407) 857-6471 ***** This is where my money went off of my credit card to a transmission guy, I didn't order a transmission**********
4950 S Orange Blossom Trl, Orlando FL 32839
DENISE SAN MIGUEL REALTY LYNK 1768 Park Center Dr Suite 240 Orlando, FL 32835 Ph: (407) 292-3635 Ce: (407) 443-2070 Fx: (407) 513-4434 Send me an email Web: www.RealtyLynk.COM
one more thing.......
I had a contract...if you were legit I would have had my money back from you like you said...where is my money??????? again you are a scammer!!!!
anon
irving, i provided the address and phone number directly to the so called human resources department for this telemarketing group. again its 1642 west airport blvd in sanford florida 32771. now their number perhaps has changed however, whatever they call the company or whatever advertising campaign they have to robo dial leads in united states or canada i dont know..but i do know that address is were they are located and they staff about 60 people to call under the pretense of account services. this is illegal. goto the actual physical address and try to talk to the owner, or any one else for that matter. talk to Blake or christie or amanda or jason. i will not provide these peoples last names. i’ve done enough investigating and reported to ftc and local news and authorities and posted on almost every web site that i could find in accordance to account services. The info is there at least to were they are currently running operations. act quickly or they might just move again!!
CONTACT THE LAW
Hi "Denise,"
If you really are legit and someone else is using the name of your company to conduct illegal business, then contact your Attorney General, the Federal Trade Commission, and your phone service provider. Work with them to help eliminate the problem. Maybe they'll actually do something for you since you claim to be the manager of a business. They sure don't seem to want to do much for the rest of us.
As for me, I'll remain skeptical that you are who and what you say you are until you can offer some evidence that you're willing to work with law enforcement and not just complain about harassment.
BTW, many people on this forum have pointed out that people can (and should) work with their bank to lower interest rates and that there's no charge for that service. We don't need a third party to do it for a fee - legitimate or otherwise.
And, please go to night school. Learn how to write in ENGLISH! The way you wrote your self-serving tract makes you sound less like the manager of an American business, and more like someone who just walked off a third-world boat!
Thanks for writing. I,
Thanks for writing. I, personally, don't have a problem with people legitimately doing this. Like you said: we pay for lots of services that we could perform on our own, but sometimes it's easier (and cheaper in the long run) to hire someone else to do it for us. If you can convince people to hire you, and they're happy with the job you did for them at the price you charge, then more power to you.
My complaint was with the robodialing scammers that were calling me 10+ times per day from spoofed numbers. I can't believe that some boiler room in Florida with other people yelling in the background will ethically and legally manage my financial details. These are the people that annoy me.
Good luck tracking the people spoofing your number. Keep us updated if you find anything out.
anon
I am a private investigator and this is the new address for the call center that has been making all the illegal robo calls to you people..
1642 west airport blvd in Sanford Florida. Google that address and the map will display the location. the phone number is 1 888 356 6357. you should get a message to speak with someone in human resources. This is a huge illegal robo dialing call center that has been in business for awhile. most of the posts on this site im certain are because of this particular organization originally operating in Tampa then moved to primera blvd in lake Mary Florida now they are located in Sanford FL. Its easy to get all the info you need to these people. all you have to do is cooperate and give them your cc number. They cant charge you until you consent. Thats the only way they can for certain take your money. they will eventually give you all the info you need if you talk to a "closer" I did some digging and found out that a Blake Curtis owns and runs this entire operation. see this link here: http://forums.hmoob.com/showthread.php?t=71434
they are calling Canada now instead of the united states most likely to dodge any legalities. I've investigated fully and What they do is have about 60 unlicensed people to answer phones that this call center robot dials out all across the country. if you press 1 you'll get any one of these commission payed reps. pressing 2 does nothing. the reps are average nobody's that they hire off the street with no real qualifications and will talk you into giving up your credit card number and they will verify if you have debt and if you have availability on your visa or mc by calling your lender. if you have availability on your credit card they will hand over the deal sheet to a closer "financial adviser" notice the quotes, who is nothing more than some guy or girl unlicensed and has no official title or education to be an adviser. just some random people that are hired within to close the deal so they make a killing in commission off of you. All the employees are on a commission based pay scale where I'm sure they are required to make a weekly quota in sales. then you go to a verification where you agree on a recording to let them charge your card for these ridiculous bull crap services. then you eventually get scheduled to talk to a financial adviser who again is nothing more than some other random employee in the call center who will call the bank and try to lower your cc interest rates with you on the phone. All of this is scripted and each person is trained to take you through the Bull crap process. The banks will do nothing of the sort like the closers promise you who got you scheduled to get you to sign up for these services in the first place. at best you will get your rate reduced by a couple of percents but its not permanent by any means. the best they do is transfer balance and get you a 0 percent APR with a Citibank visa or discover card for 3-6 months. all of which you can do yourself. then they will try to talk you into consolidation or debt settlement. meanwhile you just payed anywhere from $690 to $1990 on your credit card and are now screwed to ever get that back. you cant back out of it. you will not get your money back. the only way to get your money back is to threaten the company that you had a dispute with your lender in regards to these services. but you only have 3 days in which to claim that legally. They will show you on an analysis that you helped provide them that you can save money if you pay off one debt and then use what you were paying on the previous debt to put towards your other bills etc etc till everything is payed off. just for that little bit of common sense knowledge is how they are charging you money. as long as you have debt and have availability they will get you to join. they will rebuttal everything you say and will even build a relationship with you. the website they provide is www.myunitedfinancial.org they claim to be based in San Francisco California. the number they give is 1 800 672 1771 all of which is provided on this site. Hope this helps, I've spent a lot of time investigating these guys as they have called me several times. I had fun and I got my money back. I can report these guys anytime i want, but i put this here for you to report if you so choose. Have a good day!!
help
Anon, how did you get your money back each time if they charged you? Did you file a complaint with the credit card company?
this is how they operate
ts all lies lies lies. they make their living off of lies! now understand they do have a service they provide. they will mail you out a debt profile for you to fill out. they will try to get you to go online and fill it out there as well which will trap you into the service! Never give them a satisfaction report or you will never get your money back ever!! that's the biggest trap right there. they are required to get a satisfaction report from you!! everything they do you can do on your own if you were to get aggressive with your debt. all the service does is take the info you provided and they use that in a pathetic useless attempt to negotiate to a bank supervisor to lower your APR. which we all know is next to impossible. they have everything they need to make you think they are helping you. when indeed all they are doing is the same thing you could have done yourself. this is how this company is structured and diff people have diff roles.
The owner(some rich guy that drives big cars thanks to you): whats up stud
The floor manager(Satan himself): the crazy ringleader who conducts a cockamamie inspirational meeting every morning to boost rep morale to help the reps get deals! oversees the reps who take the calls initially
the closers(the financial advisers or specialists..how about worthless losers!!Satans little helpers): who get the deals from the floor manager by the reps and talks you into you letting the company charge your card anywhere from $690-1990 depending on your debt.
the verification dept:(people who couldnt be anything else): who takes the deal sheet and conducts a scripted recording making it legal to charge your card after the closer is done explaining(lying)everything to you
scheduling dept.(people right behind the verification people in the same room) makes an appointment for you to speak to a financial advisor days or weeks later so that you cant get a refund.
the financial advisors(more scripted loosers with limited resources to do any good). the person that is assigned to call you to go over your debt profile and try to show you a savings with your lender.
customer service(the people that absolutly couldnt do anything else). try's to talk you out of backing out of the program.
everyone here is under the same roof sometimes in the same room. this is a huge scam organization legit only when you agree to services on the recording.
the address is 1642 west airport blvd, Sanford Florida. Google this it will bring up the map instantly. the human resource number is 1 888 356 6357 but good luck getting a live person. for that call the 800 number and pretend you have a confirmation number. the number they give to clients routes you to the customer service people and that number is 1 800 672 1771 claiming to be Myunitedfinancial.org when actually they are all paid from a serene solutions. again they are all under the same roof at that address!! you can see them out in the parking lot smoking cigarettes or who knows what else lol.
this is how they operate as well
i am more than positive the 1-800 number has changed as they probably went with another advertiser to run this whole campain. but one thing is for certain and that is the address. they even have a cash machine and a wheel they spin as a part of daily incentives for the reps or spiffs if you will. lol what a joke not one person there has a legit telemarketing license and they robo dial canada now!!
In the Car
I play really nice with them, when they ask for my card, I tell them it's in my car. They get real insistent that I get the card, so I set the phone down and just leave it there. Best is to set it b the tv on an annoying kid show and go to lunch.
They don't give up
Every time one of these "Card Services" folks calls me, I block the number shown on my Caller ID. I'm left alone for a day or two, then they call back using a different spoofed number. Most of the numbers have "000" as the middle digits, but I called one of the "real" numbers with a 610 area code and got a sex line.
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