Received a call today as well.  They left no message.

Call from "Credit Services" Message left: Calling about lowering interest rate on credit card!
No mention of a particular card!

Scammers called 4/22/10 to reduce financial chg. on credit cards.  Anyone that would give their credit card acct. numbers to someone out of the blue is a fool.

Received a call on 4/22/10 from someone called Heather.  Went right into the spiel about credit cards

Received a call from this number on afternoon of 4/22/10. "Credit Services" on caller ID. Did not answer. No msg left.

no message left. they callevery so often. i have not and will not pick up the phone for # that are not our area code, can't be too important if no message is left and no indication of who is calling.Big time nuisances.

They never stop.  I've 'opted out' at least 10 times and they just keep calling.  And, good luck trying to report them to the National Do Not Call List... what a joke that is.

The DO NOT CALL list ensures that LEGITIMATE BUSINESSES will not call you.  So after you are on the list and you get a telemarketer call, what does that tell you about the "business" that is NOW on the phone trying to sell you something?

I mean, CROOKS won't care about ANY law that is past, now would they?  They're crooks after all.  So the DO NOT CALL list will not stop CROOKS.

So it's BUYER BEWARE!  Hang up on ANYONE who would violate the DO NOT CALL list.  You'll be better off for it.

Just now Rec,d call. My machine says No. but no name. Will report to FTC.

Caller ID shows "NATL SERVICE"
I didn't answer, and no message was left.

unwanted soliciting phone calls from this number that needs to stop.

Just got a called from that number. I stayed on the line and spoke to someone asking to be removed from their calling list. The person hung up on me.

Called ID said "Natl Service" 253-220-0706, but it was a "missed call" since I was not home and whomever it is left no voice mail msg.

Hope this helps.

scam

Caller ID says: NATL SERVICE

The offer to lower interest rates.

I stayed on the line and spoke an agent who represented himself as working for Visa and Mastercard services.  I asked for a number to call them back and he gave me: 800 847-2911.


I told him I am on a do not call list and asked why he is able to call me.  He hung up.  I called the 800 number he gave me and it was VISA - they said they had nothing to do with the call but they were not  interested in the fact that this call came in representing themselves as VISA!

I guess the Goverment will bailout VISA & Mastercard if anyone were to lose any money to the scammers so why should they care.

They called at 9:10 a.m. on 5/1/2010 which is a Saturday morning.  I was a little less that pleased.  ID said Natl Service.  I didn't answer and they left no message.

They called me today 5/1/2010 asking for my credit card info!  I canot believe people would give this out to them.  When I told the guy I was not going to give him my information he said "Enjoy your high interest rate, your card is cancelled you have 14 days to pay it off."  Common, how can i enjoy my high interest rate if I have to pay it off i 14 days?

Sounds like a scam to me!

I just got a call from this phone number.

Yup!  I have received these calls for years.  I've filed complaints with the National Do Not Call registry but they do not seem to have a hair on their a**.  Tried on the last call to get something mailed to me but that resulted in a prompt hangup.  Tried blowing a whistle in to the phone also.  I filed a complaint with the Michigan Attorney Genereal but no response from him.

SCAM ALERT!

I live in Georgia and they called 4/30 and left no message. Caller ID shows credit services.  I've received calls like this in the past about lowering interest and knowing it's a scam, I've tried to pry information about them about their address, name and phone number in the past and they only give vague info or hang up.  No legit company will conduct business this way.  Don't give any info out to these people, don't answer.  I don't answer anymore, I check this site and then report to donotcall.gov, it seems to stop for a while.  I hate these con artists!

scam "Visa/Mastercard lower your interest rate" call.

This number was used for another "Heather" call yesterday about lowering "your credit card rate".   The people who you actually talk to have no idea who you are so how could "Heather" tell you she could lower your rates?   Told them to not call this number again, but it never has worked.   "Heather" has been calling my phone number for years off and on.  Just more spam.

I have received these calls for several years although different numbers are shown on Caller ID.  Scary.  They told me who I had a credit card with.  Checked my credit report and noticed a recent inquiry from a place called www.checkfree.com.  No idea who this company really is as they have not responded to my inquiry.  I sent a complaint to the Michigan Attorney General and also filed a complaint with the National Do Not Call registry.

I get calls from this number all the time.,.even though I'm on the no call list. It's a recording saying "This is Rachel " or "this is Heather"  always "with credit card services about your current credit card" . They give you the option of hitting the number 2 to be removed from their list...which I have done repeatedly and it does not one bit of good.  You can also hit the number 1 which is supposed to connect you with a live operator. About half the time that just hangs up on you, but I have gotten a real live person a few times.

The last one mumbled something I couldn't understand when she answered and when I told her my number was on the no call list and to stop calling, she hung up.  Worthless scum.

just got this call... it was the robot named "Heather"... said this was concerning my credit cards...I don't discuss my cards over the phone, especially if they call me.... my card companies don't call me...this is a scam...don't fall for it... oh, by the way, I live in Jersey.

This has nothing to do with your phone company or privacy manager - NO ONE IS GIVING OUT YOUR PHONE NUMBER

ITS TECHNOLOGY - GET USED TO IT

THESE ARE SCAMMERS USING ROBOT DIALERS THAT CALL EVERY NUMBER IN SEQUENCE
this is illegal- but what do you expect from CROOKS??

ITS A SCAM - NOT A LEGITIMATE COMPANY


16 Ways You Can be Phone Scammed

18 Nov 2008
When we started 800Notes.com we had no idea that telemarketing fraud comes in so many flavors. The variations include 'cramming', 'slamming', credit card scams, calls from telemarketers pretending to be IRS, sweepstakes and lotteries scams, advance fee  loan scams, phone toner scams, fat finger dialing scams, and area code phone scams.
Typically the goal is to get you to reveal personal, bank account information, or to make you do something that will result in unwanted charges on your account. Individuals and businesses are equally affected by these scams although the schemes might be different.
In this article I will outline the 16 most popular phone scams. I am sure there are more, so if you have been a victim of a phone scam, or you know of a phone scam not mentioned here, please share it with me and the readers in the comments.
Send this article to your family members, co-workers, and employees. Give it to your teenage kids and elderly parents (studies show they are the most vulnerable to the scams). As the old saying goes, "Forewarned is Forearmed".

3.    Offers to Lower Your Interest Rates: The calls begin with a recording that makes a tempting offer to lower your credit-card interest rates. Then you are switched to a live agent who collects from you the credit card number and its expiration, name, address, and in some cases even your social security number. The telemarketers have no intention of giving consumers better interest rates on their cards and instead use the information to commit identity theft and run up unwanted charges.
Again, tracing these scam artists is difficult: they spoof the caller ID information and use numerous VOIP accounts set up using stolen credit cards. The best thing to do is hang up, report the call to FTC and warn others through 800notes.com.


BBB, Schumer Warn Consumers of Robocalls Promising to Lower Their Credit Card Interest Rate
Arlington, VA ? June 10, 2009 - Consumers across the U.S. and Canada are sounding off to Better Business Bureau and U.S. Senator Charles E. Schumer (D-NY) about incessant automated telemarketing calls promising to lower interest rates on their credit cards.  Not only are the calls a nuisance and violate U.S. and Canadian Do-Not-Call laws, but some companies behind the calls are ripping off consumers by charging large up-front fees to negotiate lower interest rates with credit card companies?something consumers can do on their own for free.
According to figures cited by the White House in January, credit-card debt increased 25 percent in the past 10 years, totaling $963 billion ? with per household credit card debt at nearly $9,000 now. Knowing that so many families are drowning in debt, telemarketers offering suspect financial assistance are taking full advantage of the situation. Consumers have reported receiving calls as early as three in the morning and on both their cell and home phones even when they have registered the numbers with federal Do-Not-Call lists. Consumers also tell BBB that, despite their requests to the telemarketers to stop calling, the calls continue to come.  
?Similar to telemarketing calls claiming your auto warranty is expiring, calls offering to lower credit card interest rates also seem to have complete disregard for federal laws,? said Steve Cox, BBB spokesperson. ?These telemarketers are not forthcoming about the company they?re calling on behalf of, but BBB has identified some offenders by working with consumers who, unfortunately, paid for assistance in reducing their interest rate.?
?Cell phone spam may not be the biggest problem we have to deal with, but we got the FTC to shut down the car-warranty robocalls and now it?s time they shut down the other robocallers as well,? Schumer said. ?These calls cost consumers hundreds in wasted cell phone minutes or much, much more if they get caught in the trap being laid by these unscrupulous companies. The perpetrators behind the credit card interest rate calls have also found a way around the Do Not Call List. The FTC has to track them down and then shut them down to put an end to this nuisance once and for all.?

BBB has received numerous complaints about two Orlando-based companies, CSTR Solutions, Inc. and Genesis Capital Management, and one Tacoma-based company, Mutual Consolidated Savings. All are behind at least some of the robocalls and are promising to save people anywhere from $2,000 to $25,000 by negotiating lower interest rates with credit card companies.
Robocalls generally begin with recorded messages that include statements like: ?There are no problems currently with your account, however it is urgent that you contact us concerning your eligibility for lowering your interest rates to as little as 6 point 9 per cent.? or, ?This is our final attempt to reach you since you've not responded to our other calls to discuss your credit card debt.? The automated message invariably does not include the name of the company, but may claim to be with Card Services or Card Holder Services. Complainants note to BBB that they now believe the calls were designed to deceive them into thinking their credit card company was contacting them.
After the initial recorded message, consumers must dial another number to be connected to a live person. The live ?operator? usually starts the sales pitch by asking for the consumer?s credit card number and whether the consumer is interested in lowering their interest rates. From there, callers begin closing the sale, asking if the consumer is willing to pay ? usually from $700 to $1,000 - to have their firm contact the credit card company and negotiate lower rates.  
?The ?negotiation? undertaken by these companies can be as simple as calling the customer service number listed on the back of the consumer?s credit card and asking a customer service representative to lower the interest rate,? added Cox. ?Consumers are fully capable of talking to credit card companies on their own, for free, and getting similar results. Consumers simply don?t need to pay any company a thousand dollars to negotiate lower rates on their behalf.?
According to BBB complaints, companies are failing to uphold money-back guarantees and not refunding money in cases where they are unsuccessful in lowering rates.
BBB offers the following advice for consumers who receive robocalls from companies offering to lower their interest rate:
? Never give personal information, including Social Security, bank or credit card numbers, over the phone to an unknown telemarketer. Always research the company first by reviewing its Reliability Report at www.bbb.org.
? When considering any company offering any type of financial assistance, insist on getting a contract in which all terms and conditions are clearly explained before signing up or providing credit card or other payment information.
? U.S. consumers can place their home phone number on the federal Do Not Call list by visiting www.donotcall.gov. If the consumer?s number is already on the list but continues to receive telemarketing calls?or is receiving robocalls on a cell phone?he or she can use the same Web site to report the incident to the FTC. Canadian consumers can learn more at www.lnnte-dncl.gc.ca.
For more information or to schedule an interview with a BBB spokesperson, contact Alison Southwick at 703-247-9376.


Credit Card Rate Reduction Scammers Banned From Telemarketing
Canadian firm ordered to pay $7.8 million fine


July 13, 2009
A federal judge has slapped a telemarketing ban on a Canadian outfit that targeted U.S. consumers with false claims that it could reduce their credit card interest rates.
At the request of the Federal Trade Commission (FTC), the court entered a permanent injunction that puts the defendants out of the telemarketing business. It also bars them from misrepresenting that they are affiliated with consumers' credit card companies, or that they can get consumers' credit card interest rates reduced.
The court also ordered the defendants to pay more than $7.8 million.
According to the FTC's complaint, the telemarketing operation cheated about 12,000 consumers out of more than $7.8 million between 2005 and 2007 by falsely claiming that it could substantially reduce consumers' existing credit card interest rates and save them thousands of dollars in interest and finance charges.
The defendants are Select Personnel Management Inc., based in Ontario, doing business as Select Management Solutions Canada; 1402473 Ontario Limited; 1489841 Ontario Limited; 2105635 Ontario Limited; Special T Services Group Inc.; United Registration Services Inc., as well as individual defendants James Stewart, Luigi Paulozza, and Philip J. Richards.
The FTC charges that they stated or implied--falsely--that they were affiliated with consumers' credit card companies. For $675 plus $20 for shipping and handling, according to the complaint, the defendants sent consumers promotional materials with promises to substantially reduce their interest rates, and a "financial profile form" for them to complete and mail back.
The complaint states the defendants promised to reduce the interest charged on credit cards to rates between 4.75 percent and 9 percent, save consumers at least $2,500, and refund the cost of their services to consumers who did not save at least that much money.
In fact, according to the FTC, the operators of the scam did little more than add their own fee to consumers' credit card balances. The extent of the rate-reduction services consisted of setting up three-way telephone calls with consumers and their credit card companies, and asking that the companies lower the interest rates. Those requests typically were denied.
The FTC said the defendants' misrepresentations violated the FTC Act and the Telemarketing Sales Rule (TSR). The agency also charged the defendants with violating the TSR by "spoofing" telephone numbers so that their calls appeared on consumers' caller identification services as coming from another number, and by failing to provide the names of the defendants or their telemarketer on caller identification services.



http://www.consumeraffairs.com/news04/2009/07 ... am.html#ixzz0LA


FTC Goes After Credit Card Robocall Scammers
Offers of interest-rate reduction claims targeted


December 11, 2009


The Federal Trade Commission (FTC) is widening its campaign against telemarketers who violated the Do Not Call Rule and other laws by making hundreds of thousands or even millions of recorded robocalls to consumers.
This latest effort targets three groups that allegedly made robocalls to sell worthless credit-card interest-rate reduction programs for hefty up-front fees of as much as $1,495. The court has issued an order temporarily halting the robocalls pending trial.
"The FTC has heard the public outcry against robocalls and has taken swift action to stop them. During these difficult economic times, the last thing anyone needs is to be bombarded by robocalls pitching worthless interest-rate reduction programs," said FTC Chairman Jon Leibowitz.
The three complaints follow two filed in May that led to court orders stopping other telemarketers from using robocalls with deceptive claims aboutextended auto warranties. Since September 1, 2009, virtually all robocalls have been illegal, unless the recipients have provided written authorization to receive the pre-recorded calls.
According to the three FTC complaints, Economic Relief Technologies, LLC, Dynamic Financial Group (U.S.A.) Inc., and JPM Accelerated Services (JPM) and related defendants made illegal pre-recorded robocalls to consumers, using names like "card services," "credit card services" or "account services."
The robocalls allegedly claimed the companies' services could lower the interest rate on consumers' credit cards. In each case, consumers who pressed 1 after hearing the automated call were transferred to live telemarketers who allegedly misrepresented that consumers could dramatically lower the rates on their credit card.
The telemarketers also said consumers would save thousands of dollars in a short period of time by lowering their interest rates and would be able to pay off their debts faster -- for an up-front fee ranging from $495 to $1,495. They then falsely stated that if consumers did not save a "guaranteed" amount -- typically $2,500 or more -- they could get a full refund of the up-front fee.
However, after securing the fee, the defendants allegedly did not negotiate lower rates on behalf of consumers and provided few refunds to those who were dissatisfied with the service.
Economic Relief Technologies also allegedly operated a related scam: using names like "Auto Protection Center" and "Warranty Services," they tricked consumers into believing they were affiliated with their vehicle manufacturer or dealership, and falsely claimed that the consumers' vehicles' warranties were about to expire. The scheme is similar to several stopped by a court order at the FTC's request earlier this year.
The lawsuits claim the companies broke the law by making illegal robocalls to consumers and that their deceptive sales pitches violated the FTC Act and the FTC's Telemarketing Sales Rule.
Additional charges include:
? Calling consumers whose phone numbers are on the National Do Not Call Registry.
? Calling consumers who had previously asked not to be called.
? Failing to transmit their caller ID information, as required.
? "Spoofing" or masking their caller ID information.
? Failing to promptly identify themselves, the purpose of their call, and/or the nature of the goods or services they were selling.
? Improperly abandoning calls.
? Failing to make required disclosures in their robocalls.
To help consumers and businesses understand their rights and responsibilities when it comes to pre-recorded telemarketing calls, the FTC issued two new alerts, "New Rules for Robocalls" and "Reining in Robocalls."
Separately, the FTC has issued a new publication, the National Do Not Call Registry Data Book for Fiscal Year 2009, which contains information about the Registry, along with a breakdown of consumer complaints about companies violating the Do Not Call rules. According to the Data Book, there are more than 191 million numbers on the Do Not Call Registry.




Read more: http://www.consumeraffairs.com/news04/2009/12 ... l#ixzz0ZNtsuqK0




Companies Sued For Credit Card Interest Rate Scheme
Consumers warned about telemarketers' claims of immediate savings


James Limbach
ConsumerAffairs.com
November 10, 2009
Illinois Attorney General Lisa Madigan has filed suit targeting a telemarketing scam that promises to reduce consumers' credit card interest rates immediately, but ultimately fails to achieve any savings for consumers.
"During these difficult economic times, consumers are understandably looking for ways to ease the burdens of rising debt," Madigan said. "But I urge consumers to be wary when solicitors try to make tempting claims of 'immediate' savings. In such cases, the schemers rarely deliver and usually leave consumers in an even worse financial situation than before."
Madigan filed suit against Priority Direct Marketing International, Inc. (PDMI), a Bedford, Texas-based telemarketing firm run by its President, William Fithian, and Advanced Management Services NW, LLC (AMS), a Spokane, Wash.-based firm owned by Ryan Bishop.
The suit claims that the two companies work in a concerted telemarketing scheme to solicit and enroll consumers in deceptive debt negotiation service agreements that promise to immediately reduce consumers' credit card interest rates, with a guaranteed savings of $2,500.
PDMI and AMS telemarketing representatives allegedly promise consumers that the companies will negotiate with consumers' credit card companies to lower interest rates, and will provide full refunds if they are unsuccessful.
After consumers agree to enroll in the program, the telemarketing schemers allegedly charge consumers' credit cards for set up fees ranging from $391 up to $1,590, the suit contends. The defendants allegedly tell consumers that these fees will be reimbursed at a later date by the consumers' banks. Only after consumers' credit cards are charged for the setup fees do they receive any documentation on the program's terms and conditions, which on several points, contradict the telemarketers claims in their sales solicitations.
Specifically, PDMI and AMS misleadingly claim that they can guarantee an interest rate reduction for all customers or provide full refunds in instances where rate reductions are not secured. When customers have requested refunds, after the defendants have failed to negotiate any interest rate reductions, the defendants allegedly refuse altogether or give refunds minus a non-refundable $199 fee that was not disclosed during the sales pitch.
Madigan's lawsuit charges the defendants with violating the Illinois Consumer Fraud and Deceptive Business Practices Act by misrepresenting the services they provide to consumers and the effects the services will have on consumers' credit.
The suit asks the court to enter a permanent injunction barring the defendants from engaging in debt settlement in Illinois and to order the defendants to pay restitution for complainants, civil penalties of $50,000 for violating the Consumer Fraud Act, and an additional $50,000 for each violation committed with the intent to defraud.
Madigan advises consumers looking for legitimate financial assistance to consider credit counseling services that charge modest fees and provide true financial and budget counseling based on a consumer's personal circumstances.

FTC Warns Against Interest Rate Reduction Scams
Agency cites a wave of 'robocallers' pitching scheme to consumers


April 26,2010



You pick up the phone on the second ring and wait for what seems like several seconds before someone responds to your greeting. But you find you aren't talking to a human, but a recorded sales pitch promising to lower your credit card interest rate.
The best advice, says the Federal Trade Commission (FTC), is to just hang up, saying most of these offers are scams. And consumers are being inundated with them, according to the FTC.
In a new consumer alert, Credit Card Interest Rate Reduction Scams, the FTC says consumers have just as much clout with their credit card issuers as these companies do. It urges consumers to avoid paying middlemen, and negotiate directly with the credit card companies.
The companies behind the sales pitches claim to have special relationships with credit card issuers. They guarantee that the reduced rates they offer will save you thousands of dollars in interest and finance charges, and will allow you to pay off your credit card debt three to five times faster. They claim that the lower interest rates are available for a limited time and that you need to act now. Some even use money-back guarantees as further enticement.
The FTC says the companies behind these robocalls can't do anything for you that you can't do for yourself -- for free. You have just as much clout with your credit card issuer as these companies, and you are just as likely to get turned down for a rate reduction regardless of their promises or supposed efforts to negotiate on your behalf. Indeed, FTC investigators found that people who pay for these services don't get the touted interest rate reductions, don't save the promised amounts, don't pay off their credit card debt three to five times faster, and struggle to get refunds.
Protect Yourself
The FTC says that if you're looking to reduce the interest rate you're paying on your credit card purchases, your best bet is to handle it yourself for free: call the customer service phone number on the back of your credit card and ask for a reduced rate. Be calm, patient and persistent. And if you are tempted by the promises in a rate reduction robocall, the FTC says hold off -- and hang up.
? Don't give out your credit card information. Once scammers have your data, they can charge your credit card for their own purchases or sell the information to other scammers.
? Don't share other personal financial or sensitive information like your bank account or Social Security numbers. Scam artists often ask for this information during an unsolicited sales pitch, and then use it to commit other frauds against you.
? Be skeptical of any unsolicited sales calls that are recorded, especially if your phone number is on the National Do Not Call Registry. You shouldn't get recorded sales pitches unless you have specifically agreed to accept such calls, with a few exceptions. See New Rules for Robocalls.
? If your number is on the National Do Not Call Registry, a telemarketer may call you only if you have agreed to accept calls from the company the salesperson works for, if you have bought something from the company within the last 18 months, or if you have asked the company for information within the last three months.
? To report violations of the National Do Not Call Registry or to register your phone number, visit DoNotCall.gov or call 1-888-382-1222.

Read more: http://www.consumeraffairs.com/news04/2010/04 ... l#ixzz0mIt4vfwu

Can someone tell me who these people are??  And how are they getting through my Privacy Manager that I pay for each month with the Phone company!!!

POS company that uses an Indian call center to sell services to adjust your credit card rates.  You are crazy if you'd even give your info to some shady operation such as this.

Someone needs to castrate the owner(s) of these telephone callers - they are pond scum and it is a serious shame that the telephone companies allow this to happen.