also uses the following number - (213) 986-5391

This is a scam!!!!!! I ran into the same thing 6 months ago. Always a call center with someone with a foreign accent. They say a lawsuit has been filed against you.  They say they are with a the Investigations area.  They ask you to confirm the last 4 digits of your social which they have and try to use this to prove to you that they are legit.   THEY ARE NOT. THIS IS SCAM DO NOT LET THEM SCARE YOU.

A key way to figure this out is:
1. ask for their supervisor - they will conveniently put you on hold and hang up on you and then someone else will call you back saying they are the manager.
2. tell them they are a scam - they will then cuss and swear at you. Any legit legal or police or even the FBI would never ever say "F___ You" on the phone multiple times. They would be fired for doing so.

All in all - it is scam.

Tell them you are reporting them to the police, the FBI and the Secret Service and make sure you do so.

They are criminals.

And FYI - the post above -  I am quoting their post:

"this number is used by american law division its a right because when i dnt agree aftr some time the police and lawer come at my homes and arrest me its a legal number not a fake..."

is obviously from them and is one of the scammers - they can not even spell or use proper English - key right there.

The guy uses the name Justin Davis and Mark for the name of the supervisor.

These guys are idiots as they use numbers that have already been recorded elsewhere on the internet as a scam.   Also they use the same (slightly modified) script as 6 months ago. IDIOTS! I can only hope the FBI, police and/or secret service catches up with them!

BEWARE.

These people are predators that target the elderly.

My father was scammed a fee or $995 for credit card consolidation. They record people agreeing to the deal and when you listen (you can ask to listen to the recording) you'll notice that they speak very fast and in my case I could not tell if my father was saying "right" or "what." This is indeed a scam.

These people are predators.

You do not need to pay anyone $1K to get a lower interest rate and flags should fly when someone asks to record your consent. Once a deal is done these people become very abusive and try to make the customer feel guilty or convince them of some blowback if the charge is refunded and deal undone.

Details -->

These are the people I spoke with on 4 nov 2009, there was a 3rd but I didn't get his info.

Nero Bernard
1 888 826 1162 ext.613

Justin Davis
1 888 826 1162 ext.306

Justin was the last guy I spoke with and supposedly a manager.  However he spoke more like a bully on a playground. It was really quite amazing. Supposedly they are called SCS (or CSC) Card Services.
Nero was in NY and Justin was in Miami -->

3515 Collins Ave
suite 304
miami, fl

If you google the above address it appears to be condos/high rises on the beach so this is probably false info.

He said the lower interest rate is good for 1 yr and that after that it would be adjusted or something. Supposedly it would not go > than 6.99%.
I don't believe this for a second. But again, even if this was true, YOU DO NOT NEED TO PAY SOMEONE $1K TO GET A LOWER INTEREST RATE !!!!


Also if you cannot undo or return a purchased product beware. This is not rocket science. Just compare services to a TV bought at a store or a car bought from a dealership. You should always be able to return something if you are not satisfied. And do business locally, protect yourself.

CALL YOUR CONGRESSMEN.

Dont forget DAVID BERKLEY and his WITCH of a sister KAREN  These are they evil jewish children of of parents who obviously did not raise them right! THEy and all of them DO NOT CARE about you.  All they want is your MONEY!!!!!!!!!!!!  THE DO NOT CARE ABOUT AMERICANS.  YOU are all NUMBERS to them!!   $$$$$$$$   to be exact!    Good luck y'all!

THIS IS A SCAM.  THEY ARE MAKING MILLIONS from the unfortunate people like you!  
WHY PAY FOR A LOWER RATE?  You can look up Citi bank and apply yourself for FREE for a new card for 0%!  Check out the Hardship programs with your banks.  Tell them you are having a hard time.  There is no reason to pay someone else to do the talking for you!!!!!!

They charge differently for everyone.  Roughly has to do with the amount of debt you owe and how much room is available on your card!  What Sally pays may not be the same as what Sam pays.  Does that sound fair?  Why pay at all?!!?!?!?!  from $600 to $1600 or more!!!  

You will end up with bad credit or near bankruptcy!  Look up a professional yourself.  REMEMBER THEY CALLED YOU.  YOU pressed 1 for lower % rates.  That is how it starts.

FCS (Financial Card (credit) Services) or otherwise also known as Card Services.  The scammers who got you to give up your credit card info, even your social security numbers in some cases are very sneaky indeed!  They work in a way that protects them from any legal trouble.  But you should never do business with anyone who pressures you.  Sadly they target the elderly.  Anyway. If  you want to get these arab SOBs you can find them in MONTREAL  (St. Laurent), QC, CANADA is where they are hiding.  on 7075 place Robert-Joncas Suite 225!!!!!!!! across from the Marriot Inn  6500 Place Robert-joncas, St. Laurent, QC  (Next to Jeld Wen)  

Royal solutions, educational services, forlando, florida, NY, ya ya ya all the same thing. Adam, Justin, Mike They are all there. MONTREAL CA!!! Go get em!!!!!!!!!!!!!     :)

I, too, received a call from these folks.  I questioned and accused them of scamming me because they couldn't possibly do this great thing for me.   They swore they were Master Card and could do this.  I bantered back and forth to this guy and he gave me his phone number and extension, boss's name and everything I asked for.   Mr. Adam Clark gets on the phone and they are going to save me $2500 in interest alone for a great cost of $809.00!  Then I was handed over to Chris Wallace who contacted my creditors with me and the creditors agreed to decrease my interest rates and set me up on a fixed payment that would have that credit card paid off in 60 months.  I have notes and notes of names and confirmation numbers and finally thought was fine.  In 15 days I received a letter from my creditor that said I was not eligible for the program.  I called and they said you contacted FLC Resources and they charged $809 to your account.  You need to call them for a refund and tell them we kicked you off the program.  So on 11/16/10 I called this famous number and talked to a lady named Melody who assured me that I would have refund in 14 days.  Well no refund, called back - called and called and finally got an answer.  Didn't get her name, she looked me up by my telephone number and asked if I was calling about my refund.  Yes I was and it didn't come in the 14 days!   She said they were late in getting out but it was on it's way.  Another 45 days have gone by, no refund and I cannot get any response from any of the phone numbers I had.  I am furious, I was right that this was not legit and they have mopped the floor with my $809!!!  Now I'm more in debt, cannot contact these people by phone, so I thought I'd look FLC Resources Jacksonville, FL up on the net and here's this website!   Can anybody help me????

Got a call from a number tonight (need to check caller id.  Spoke with Austin Della, another man and a woman.  Della gave 8888261162 and 8883333857 ext236 as call back numbers.  Calling back 8883333857 gets just music.  Calling back 8888261162  gets "you have reached FLC Resources after hours".  This is a scam.  Have cancelled the credit card.  Called the Credit Union.  Put a fraud alert on Equifax and will be submitting papers to the Attorney General's Office in the event damages emerge.

Pal...you have no idea about what you are saying. These guys are out and out crooks that should be taken out and shot. They will clean out your checking account and sell your info to other that will open new credit card accounts and off to the races you go.

I am so glad I checked this company out before agreeing to their terms.  They wanted to charge me $1600.00 to get my credit card company to lower my interest rate.  I questioned why there would be a charge and they told me the banks don't do this for free.  The people that called me were Daniel Williams ext. 613 and a guy named Patrick that called from 1-888-333-3837.  Now I am worried because they have all my information and am afraid what they will do with it.

Received a call today (Oct. 7, 2010) as a recorded message from my credit card service provider, stating it was my last chance to lower my interest rate, to please press "1". I did so and was connected to someone saying I qualified for lowering my interest rates. I was under the impression that it was legit and from Visa/Mastercard services. By the time they recorded me stating my credit card number name and address, I realized this was a scam. It was confirmed as a scam when I requested to cancel as I did not understand they charged money to lower the rate, that they were a third party that required me to be on the phone with them to the real credit card providers to lower the rate. They already had my credit card information. When I requested that I did not want to pursue they said it was too late because they had my name and credit card information recorded. They threatened to send it to a collection agency if I did not cooperate. All this happened in the course of a 20-minute phone call on Oct. 7, 2010. After I hung up, they called back three times, harrassing me and my husband that if I did not pay them $910 they would send it to a collection agency. From respnonding to one telemarketer phone call, are we now subject to harassment and liable for collection?

yes you are right. It is a scam. I cant believe i fell for it first a lady calls and says she is with a firm that reduces credit cards to 6%. For people like me that pays my credit card on time every month. It really sounded good so i thought.then she had my information for one of my cards so i thought it was ok. Then she asked me to give info on my other cards so she could lower all of them. So dummy me gave her my other card numbers and social security number. and she told me her advicer would look over these and call me back with the rate he could give me.So bill baker called me back and said they could get it down to 0% for 1 year i would pay 1100 and i said the lady that took my info never said there was a charge. He said what do you excpect we are saving you thousands of dollors. The he put another guy on the phone alexander hama so he says we are here to help you he called my credit card company had me on 3 way so i could here ask my rates then ask if they could do better they said no. So then he said one of my cards with the highest rate he would transfer to citi bank o%. before i knew what was going on he did it my son called i told him what happened and he said i was scammed. So i called my credit cards told them and cacelled all my cards.they already tryed to get the money.i called social security put a fraud alert called the attorney general. they told me im not the fist person to call them about this place i told them i called the company to cancel and they said they would turn it over to collection. They told me not to worry they are just trying to scare me. i will never fall for this again. lesson learned the hard way im glad i called and cancelled my cards i feel alot better. please take my advice dont ever give your information to anyone over the phone big mistake!!!!!!!!!

Ditto all of the above comments.  FCS scammed me into a deal I could have gotten nyself via a simple cc application via internet.  For that they charged $1,100 to my credit card.  Tried to get it reversed next day and they spoke rudely and threatened to send to collection agency and post to credit bureaus.  All the same hard ball tactics decribed by others.  

Do not fall for their deal.  With little research and initiative, you can get the same kind of deals they offer for free from any major credit card company.  You do not have to pay $1000 to improve your credit situation.

Explain to me why they charged you 708$

It is scam!!! I've been disputing my $708 charge with them since Aug 6 and they threatened me with all kinds of BS (see above). Anyway I contacted a local lawyer and the attorney generals office in my state. And just so you know when you file a dispute with your credit card company they are gonna tell you its not a scam after they investigate it....... Well, it is!! The card companies don't want to fight it...so they just tell you that (that's what my lawyer said). I ended up getting a refund! Yes it can be done!! Just don't stop fighting it go all the way to your states attorney general office. One word of advice, if they tell you their so called supervisor is not there, it's a lie...call back and make sure your phone number is private so they can't see who's calling and don't tell them who you are. Then ask for a supervisor and they will magically appear..her name is Melody  (at least that's what they will tell you) but don't ask for her by name they will lie to you if you do.She will tell you at first that she can't help you that u have to speak to her supervisor that's not true she gave me a refund! If you catch them in a lie they will refund your money without giving you a single problem!!! That's what I did. Don't be afraid of these thieves!!!

first of all read all the stories properly '' They got me a new card at 0%'' ''They moved my balance from my old card at 15.9% to a new card at 0%'' What does that mean! That they got you a lower rate! The banks offer hardship programs as well, how come I don't see any negative blogs about card holders that have been put on these programs. And did you all forget to mention that they charged you after  this company did some work on your account, or that they only charge after they lowered a rate for you , it's nice that everyone forgets to mention that aspect. Hey even better read this one '' I gave them my social security, and date of birth. Ever taught of just hanging up the phone? So if they just lowered the rate on your existing card to a 0% would you still call it a scam. Wake up please

I too got a call, they got all my info along with my husbands.  I know better but I recently retired and was vulnerable to saving money. I fell hook, line, and sinker.  They double billed my credit card for
$1416  total and when I contacted my credit card company they said they didn't do business the way Wayne John had represented and that my interest rate was not being reduced.  So I ended up paying for something I didn't get.  By the time this company had finished with my credit card, my bill was $6,000 more than it was when this whole thing started.  I cancelled my card.  Will place a warning on my social number and pray that God will protect me from my ignorance.  I will never answer my phone again unless I know who they are.

I totally got scammed by these guys today. I am so upset!! They got all of my info. and they've already hit my VISA Platinum Card! My bank closed the card ASAP. These guys also (somehow) got me into 2 other credit cards which they said had 0-3.99% interest. Cards I couldn't use, but would only pay the balance on that was transferred from my VISA Card. The guys I spoke with were Justin Davis at 888-826-1162 in Miami, FL and a Wayne John who did all of the leg work at 888-826-1162 Ext. 608. They also gave me to a "Melody" in their "Billing Dept" at 888-889-8025. The original call came from a woman who spoke broken english by the name of Jenny Jackson. I highly doubt that was her real name as she sounded like she was  of indian or asian descent. My card was charged by FLC Resources in Miami, FL and the agent I'm working with said that they are registered under "Educational Services". This Wayne John even set up an appt for me to call him back next week so that after I received my new Citi-Bank card & Discover cards he could then transfer the balance from my VISA to them. They have my full name, date of birth, social security # and even the 3-digit pin # from the back of my "just cancelled" VISA. I had to go to the Doctor for high blood pressure. I am disabled. I cannot believe these bastards did this to me. Now I have to get my Social Security # changed!! These people must be stopped. My bank said they are still trying to figure out how they're getting these credit cards for people, etc.

DON'T FALL FOR THIS!! I am calling the U.S. Marshals Office to report this and the F.B.I. !!!! :(

This sounds almost exactly the same as me.  A lady called that I could barely understand and for some reason in my sleepiness I gave her my credit card number.  She said someone would be calling in about half an hour and then Paul Blake called me (561-287-4305) and said I was going to have a $997 charge on my account but would be saving more than that in interest.  I was feeling skeptical at this point and said so and he berated me saying, "maybe you should have felt skeptical before you gave us your card number" at which point I told him he just made me even less interested in what he was trying to scam me on.  I told him I wanted to call my bank and he said I couldn't because they have some super secret phone number that we have to call together and if I call the bank it will mess everything up.  So I called anyway on my cell phone and he was pissed and hung up.  Since I gave them my card number the bank closed the account and gave me a new card number.  I can't believe I fell for it, I always hang up on those idiots.

I received a call from this number.  Seemed to know too much about my credit card already.  Told him I was skeptical and he kept saying that he was checking for my safety.  Was going to charge me $995 to reduce my interest rate to 6% for the rest of my life.  I called my bank and they put a notice on my account.  The bank said this scam has been going on for years - don't fall for it!

Justin Davis 1-888-826-1162 x608 called my grandmother several times over the past month. She was asked if she wanted to lower the interest rate on a credit card, and unfortunately she said Yes. She gave the last four digits of her social security number, the number for a credit card and her mother's maiden name. Another man called later in the day: Wayne John. These men also asked if she lived alone, how much her monthly bills were, if she had a pension and several other questions. They connected her with her bank and told her to tell them that she wanted a lower rate. They gave her specific language to repeat to her credit card provider, and when she didn't say it correctly, they put the bank on hold and told her to say it again differently. At this point, my mother and I arrived. She told this company --FCS International -- that she had company and had to go. They told her to go in another room. She then hung up.

I called back, and spoke with Wayne John. We told him that we were concerned that this was a scam. He told me that I was insulting him and that he had been doing this for 15 years.

We then called the credit card company, Bank of America, and were told by a Fraud specialist there, named Bradford, that the company was legitimate and that this company charges a fee for lowering interest rates, which is split with Bank of America. We cancelled the credit card.

Got a call from this number telling me they can lower my interest rate to 6.9 fixed saving me a lot of money.  Said they would charge me 1200 one time fee and my rate would go down.  Called my credit card company and they said it was a scam.

called me,said will lower my interest rate I was skeptical of giving info, but later I did,....interest rate was lowered was lowered indeed.

these people scammed my mother out of $800.00
when she tried to cancel they called her an old lady, and told her they would sue her and take her social security checks!!!
SCUM!!!!!

I was called by Justin Davis saying he would charge me $700 one time to lower my interest rate on 4 of my credit cards to 6%,  I listened to everything he said he could offer me he then transferred my called to a so called Steve Baker he verified everything Justin Davis had said, but when I told him I wanted to call Bank of America and verify this,  that's when he became very pushy saying that people like me deserved to pay high interest rates, that my credit was horrible and that I was always paying late which is soooo not true, all the contrary, He began insulting me and I hung up on him and reported to Bank of America.

hi

a+++++++++++++++++++

loved them\

24.99 to 11.99

worth the 900$

Rec'd call from this so called company.  (Royal Solutions/Financial Consulting Services) I questioned all the information they had about my credit cards, turned me over to a supervisor, he continued his evil ways and then transferred me to Justin, who made this all sound good, saving me 1/2 of my interest rate and could get me a lower interest rate.  Very fast talker and bully.  I was then transferred to Andriana Biscotti and it went from there.  I have hung up on so many of these scam artists I can't believe I got sucked in.  I called back the next day after contacting my credit card and told SCS or who ever they are,  to cancel the transaction.  I was threatened with collection, bad credit rating, and anything else you can imagine.  Terrible brow beating.  They finally agreed to remove (we'll see).  I am calling my Congressman!  
Looked up on BBB and company rec'd F rating but not accredited with BBB.  Check it out for yourself.

I had the same company call me and scam me too. only they said the companies name was FLC credit services, same phone number though. They told me that my interest rate on my Chase credit card was being increased to 26% and I needed to have them help me lower the rate, so like an idiot I went for it and they charged my card $708. I called Chase and they told me they had no intention of increasing my interest rate and that I was scammed. I tried to get a refund and have all services canceled including the citi card with the 0% interest that they got me to apply for. They threatened me saying i was "stealing" from them and would take me to court and have me put in jail. They also said that they could make sure the interest rate on my chase card would go up to 26% and told me I was stupid. So my question is...did anyone get their money back...and if so how???

That is the phone number for FCS-Intl.com and ext.608 is Wayne John---definitely opposite of John Wayne.  They scammed me and charged $900 on my credit card--then to add insult to injury they got me to give them my social security number in order to get another card with a 0% interest rate to transfer my balance on my 15.9% card rate.  They also use a number of 561-287-4305 and another company name of National Financial Advisers.  They actually billed my card from Royal Solutions.  They are the scum of the earth--do NOT TALK with them!!!!!

See my reply to ALC a few minutes ago--we have all encountered the same dispicable Wayne John--unfortunately!!!  I consider myself to be a fairly intelligent person and he totally bamboozled me and left me in an emotional puddle!!  I have gone online and seen dozens of scams with his name connected and the FCS-Intl.com or Royal Solutions since then.  Misery loves company, but don't listen to anything they have to say.  I'm going back to not answering my phone unless caller id lets me know it is someone I know.  What a hard lesson!

I never thought I'd fall for one of these scams but somehow they caught me at one of my not so smart moments.  They talked fast and the first guy I couldn't even understand. It seemed off after I realized what I had already done.  I gave them two credit card numbers and my mother's maiden name and my husband's mother's maiden name.  I called both credit cards and they locked my accounts.  No charges had been made to the account prior to the companies locking the accounts.  I'm not sure what I was thinking.

Vicky you are an idiot... You could of been paying 6% on all your debt but you blew that chance. I'm sure Boa told you it was a scam cause they want you to keep paying the higher rates on your more than $11,000 debt.  You think you smart, your not. Good luck paying that off.