I was scammed by Card Services in March of this year. I made several attempts to contact them, but all I got was that the mailbox was full. Now today 09-03-2013 I got a call from them and when I told them I had given them my money and got nothing, they hung up on me. I tried calling them at 877-314-4085 and the number has been disconnected.  I will  be reporting them to the Better Business Bureau. They need to be stopped.

my mother just received call from capital one . her card was charged by (2)different buisnesses down in florida.1-877-206-0308-TP Solutions , and EMS-1-877-314-4085 . they say they can reduce credit card rates on existing cards . they are a FRAUD!!! . they ripped off an elderly woman for over 3 grand! , and charged it to her capital one card . so cap one called because of activity on card,mother is waiting for fraud form to be sent.cap one is investigating for fraud . people like these are garbage and need to be takin out back and one put in there head.

As above, I too was coerced into giving my credit card information. Was charged $795.00 and was told I'd be able to lower my intrest rate and be up to $3k savings. I was told if they couldn't or didn't provide me with the service they promised I could get my $ back. Also, if I paid the credit card balance off before they could, I would not be charged. I was then given a telephone appointment for the outcome and information. I NEVER received a call back. When I called them, I was told they would look at my card to verify the payoff. Still I never got any call or information back. I have brought this dispute to my credit card agency for resolution. I hope I can get my money back. I have names, confirmaiton, security code# that I gave to the CC company. We'll see what happens.  They called themselves Excellent Managemtn Solutions, but the bill reads RSINFOLLC8773144086 Sarasota FL

Got several calls from these people calling themselves "Card Services" and "LNI" and "Excellent Management Solutions"

One time I got their number.   Go ahead and harass them at 215-900-8046, it's Tammy's number.  She's a real sweetheart with a foul mouth.

Wow! I never thought I'd see a shill with so many multiple personalities!!!

Samantha/Lisa/scott williams/Vickie/tito ponce (or is that titoponce)/hector ... you started out making yourself look a fool to begin with but the more you continued with your shill posts the worse you got!

Especially your last two posts! Broken english! Tip off right there that you have  no command of it and are definitely from offshore boiler room where the sir is so rancid it kills off what few brain cells you may have left!

Badge714 is correct! Here's some proof to back that up:

http://www.bankrate.com/finance/credit-cards/ ... e-just-ask.aspx

"A five-minute phone call to your credit card issuer could save you hundreds, even thousands, of dollars in interest charges.
"There's no incentive for them to lower your rate unless you call. The squeaky wheel gets the oil," says Brad Dakake, a consumer advocate with Massachusetts Public Interest Research Group."

http://money.msn.com/saving-money-tips/post.a ... 4d-43d3e078e45f

"Real credit card issuers and networks never offer to lower customers' long-term interest rate in exchange for an upfront fee, says Gerri Detweiler, Credit.com's personal finance expert. 

...

Here's the trick: Consumers can do the exact same thing, for free. If you make a good case, such as the years of loyalty you've shown your issuer or the fact that you're receiving offers from many other issuers for cards with far lower rates, you might even win a lower rate yourself."

And here's what the FTC says about your little scam:

http://www.consumer.ftc.gov/articles/0131-cre ... reduction-scams

"The Federal Trade Commission (FTC), the nation's consumer protection agency, says consumers who get these interest rate reduction robocalls should listen to them with extreme skepticism, and delete them. Many are scams.

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 that 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.

Amendments to the FTC's Telemarketing Sales Rule prohibit companies that sell relief services like these rate reduction scams on the phone from charging a fee before they settle or reduce your debt."

And there's also this!:

http://www.ftc.gov/opa/2012/12/nationalcard.shtm

Busted!!

I don't need to "give it a try".  The FTC already did that and shut down some of them!

SHILL ALERT- You should NEVER pay anyone to help you with your credit. Plus, it's something you can do yourself. Call the bank, work with these people. These SHILL's are gonna take your money! These SHILL's arn't going to do a thing!

From the FBI website:
http://www.fbi.gov/stats-services/publication ... -2010-2011#Mass
Mass Marketing Fraud
General Overview
Mass marketing fraud is a general term for frauds which exploit mass-communication media, such as telemarketing, mass mailings, and the Internet. Since the 1930s, mass marketing has been a widely accepted and exercised practice. Advances in telecommunications and financial services technologies have further served to spur growth in mass marketing, both for legitimate business purposes as well as for the perpetration of consumer frauds. They share a common theme: the use of false and/or deceptive representations to induce potential victims to make advance fee-type payments to fraud perpetrators. Although there are no comprehensive statistics on the subject, it is estimated mass marketing frauds victimize millions of Americans each year and generate losses in the hundreds of millions of dollars. The following is a brief description of some of the key concepts and schemes associated with the mass marketing/advance fee fraud crime problem.

Advance Fee Fraud: This category of fraud encompasses a broad variety of schemes which are designed to induce their victims into remitting upfront payments in exchange for the promise of goods, services, and/or prizes.

The predominantly transnational nature of the mass marketing fraud crime problem presents significant impediments to effective investigation by any single agency or national jurisdiction. Typically, victims will reside in one or more countries, perpetrators will operate from another, and the financial/money services infrastructure of numerous additional countries are utilized for the rapid movement and laundering of funds. For these reasons, the FBI is uniquely positioned to assist in the investigation of these frauds through its network of legal attaché (legat) offices located in over 60 U.S. Embassies around the world. By leveraging its global presence and network of liaison contacts, the FBI has successfully cooperated with other domestic and foreign law enforcement agencies to combat, disrupt, and dismantle international mass marketing fraud groups. The FBI participates in the International Mass Marketing Fraud Working Group (IMMFWG), a multi-agency working group established to facilitate the multi-national exchange of information and intelligence, the coordination of cross-border operational matters, and the enhancement of public awareness of international mass marketing fraud schemes. The current membership of the IMMFWG consists of law enforcement, regulatory, and consumer protection agencies from seven countries, including Australia, Belgium, Canada, the Netherlands, Nigeria, the United Kingdom, and the United States.

Despite the best interagency enforcement efforts to combat mass marketing fraud, the FBI remains cognizant of the fact that the only enduring remedy for this crime problem lies in consumer education and fraud prevention programs. Toward this end, the FBI has not only produced its own mass marketing fraud prevention materials, but coordinates on other public information efforts with the DOJ, FTC, and the USPIS, among others. The FBI also supports a consumer fraud prevention website in conjunction with the USPIS which can be located on the web at: Additionally, further information on mass marketing fraud schemes can be found at www.fbi.gov, www.ftc.gov, www.ic3.gov, and www.stopfraud.gov.

Any criminal activity can be reported to the FBI here:  https://tips.fbi.gov
Report it at http://www.fcc.gov/complaints
Report it at https://www.ftccomplaintassistant.gov
People should continually file complaints with their Attorney Generals office.

Everybody know this is a scam. Now everybody knows you're a shill.

Just when we think you crooks can't get any more stupid, you prove us wrong!

that not true u need to give a try before u down it

they help me save $2500 on one cc and now r working on the other two looking to save 4k on these cards ,
plus get to kept the low % rate on all my cards . that all cost me $995.00 was the best money i ever  spend

They coerced me into giving my credit card number one day while I was home from work sick with no reovirus....charged $1500.00 and said it would be returned if not agreed by my hits and.  Wen I called the number to refuse the service, they denied credit back.  I am sick about it.  Canceled my credit card and am hiring an attorney.

Oh for God's sake, after all the stupid shill posts above, do you really think anyone is going to believe you?  Card Services and its illegal telemarketing practices are a scam and everyone knows it!  Boiler room slow today, shill?

they were great they saved me 7 k with one card,

they got me  a 6.9% 0n 45k and saved me 10k

Are they a legit company? They called and said they could reduce my credite card from 11 to 6 percent. A one time fee was charged and a home visit was set up. The company is called Excellent  Management Solutions but on my credit card it is listed as Great Foul Technologies. Am I in a scam.

Recieved several calls stating that they could reduce my interest rate to 4%. I am checking them out and want to know if there is a BBB connection.

Not only are they criminals who provide no service, they're getting actually *arrested* by the FTC lately: http://800notes.com/news/ftc-hangs-up-on-rachel-from-cardholder-services
With any luck you'll be next!

LET ME TELL YOU .. THESE PEOPLE ARE NOT A SCAM!!!!!
THEY HELPED ME SAVE OVER 5 THOUSAND $$$$$ .. MY RATE WENT FROM A 13.99% TO A 2%
YOU HAVE TO GIVE THEM A TRY.. DONT LET WHAT OTHERS HAVE TO SAY GET IN THE WAY OF YOU SAVING THOUSANDS

This is a lie and these b*****d scammers probably logged on to make comments that made it sound like they were legit!! These a** clowns need to get a life!!

Triple shill alert !!

they saved my 4k in three months time and only cost me $995, they got me on the right track now

they were great with me the got 6.9% on my cc and saved my 7k

I hired them to help me manage my credit card accounts and they helped me so much. They saved me
$ 4300.

Card Services, they helped me lower my interest rates on my credit card from 17% to 9.9%

I hired them to lower my interest rates and they were able to help me. I had over $50k in debt at the time on cards that ranged from 22-26% in interest. They were able to lower my rates to 9.9% and save me about $7k a year in interest and financing charges. I can confirm they are not a scam. Maybe your debt did not qualify as something they could work on. You should have been able to do a chargeback on your card anyway.

watch out the scamed me to for$1285

Claims to be Card Services and lower interest rates on your credit cards. Waited for return call after they charged a large fee....never came....scam??

Did they call you