phone scam
Complaint
Judy
Country: United States
I found this complaint on-line and my scenario was exactly the same.
I received a call with a recorded voice saying the call was from "Card Services" telling me that I needed to "act now to save money on my credit cards or the offer would expire." Then I was given an option to press a number to be connected with a live operator and the option to press another number to stop receiving any more "notifications". I pressed to speak to the "operator" to ask why they're calling me since I am on the Do Not Call list. She hung up on me immediately. I tried to call the number back, but the number I tried was disconnected.
I received a call with a recorded voice saying the call was from "Card Services" telling me that I needed to "act now to save money on my credit cards or the offer would expire." Then I was given an option to press a number to be connected with a live operator and the option to press another number to stop receiving any more "notifications". I pressed to speak to the "operator" to ask why they're calling me since I am on the Do Not Call list. She hung up on me immediately. I tried to call the number back, but the number I tried was disconnected.
Comments
1) this may be a scam and it may not (it's probably illegal given they don't follow the DNC register)
2) if you want a lower interest rate on your credit account, call your credit card company and ask for one. If you have good credit, your company(s) will work with you.
2A) if you have 25 cards, then make 25 calls (and pay off and close some of those accounts).
There is absolutely no reason to pay someone $695 or even $1295 to do something that you could do yourself. Then if you keep getting these calls, just hang up.
Yes, they have been calling during business hours, twice a week.
Shutting down the organization for a couple of days a year is not enforcement. Fines of $1,000,000.00 are.
Prove me wrong please.
I just received a call and explained to them that my number has been on both the Federal Do Not Call list and my states Do Not Call list for three years, the girl responded "the is no call list" and hung up.
Nothing will be done.
I will now call the 1-800-218-8787 number 10 times a day, which will coast me nothing, but will cost them $. Be sure to place *67 in front of their nomber, *6718002188787 to block your number from being displayed.
But rest assured that when they call, if I have a few minutes, I string them along for as long as possible.
They are seemingly not interested in American Express. They want Mastercard or Visa holders who have credit card debt but are still in good standings.
They will ask for the 800 number on the back of your card, then ask for the card number. I give them any old 800 number and a bad card number and name. If you refuse to give any of that, they hang up. If you ask for their phone number, they hang up. If you try to stall them and drag things out, they hang up.
I figure that if they won't remove me from their call list as a nuisance, I will occupy as MUCH of their time as I can. Hee, hee... This I do as a public service to my fellow man!
Since card numbers are obtained through lies and deception, and those charges are fraudulent, VISA and MasterCard could choose to cut them off, but they are not doing so.
These scammers have actually been fraudulently claiming they are "with VISA" or "with MasterCard", or "with <fillin your bank: Chase, Citi, whatever>".
AmEx probably won't take their charges.
This is just illegal phone harassment, funded by fraud, and it can't happen unless VISA and MasterCard send them money.
Lacking any effective action by FTC, VISA and MasterCard could choose th shut down these "merchants", based on violations of the merchant agreement, such as "misrepresentation" and "fraud".
VISA did do just that with a bunch of "acai berry" scams several years ago, under pressure from a Senate Commerce Committee investigation of fraudulent cramming.
So how do you get that to happen?
Start complaining to your Congressman or Senator.
And make those complaints against not just "cardholder services", but against VISA and MasterCard, since they are the ones allowing their consumer customers to be defrauded by these leeches.
They are using deception to con people into disclosing card numbers, then cramming on about $800 in "fees", using threats if people complain.
I suggest that if you are getting phone calls from CARD SERVICES, that you make a complaint with both the Assistant US Attorney for your state and the State's Attorney for your state. Strength in numbers, more complaints filed, faster response by the government.
Please take the time to file a complaint.