Lower credit card interest rate scam

ComplaintsScamsAccount Services

Complaint

0
Michael Rennier
Country: United States
Somebody,(Margarite) phone number 901-248-7430, called me up and directed me to press number 1 to reach the company for credit card rate reduction. Upon doing so they requested if I had over $5,000.00 in debt and they wanted my credit card number to verify the debt. I requested their first and last name. The female speaking stated her name was Margarite but would not provide her last name. I attempt to find an address for the compant she refused to tell me then directed me to her supervisor "Ronald James". He again advised me he would lower my debt and requested my credit card number. I again requested as to the address of his company he stated Tallahasse Florida, but wouldn't not provide me with a street address. When I advised him I would look him up on the federal system because I felt he was trying to perpetrate a scam he stated "don't call this a scam and I'm going to hang up". I looked up the company "Account Services" on the internet and it advised of scam warnings. I said the internet site indicates you company is involed in scams. He stated "this is not a scam", I replied it sure appears that way; he stated "shutup" and hung up the phone.

Comments

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    p off
    I would keep them on the line but i have limited mintues so keep up keeping them on the line.  :=) :-) :)
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    mike
    be careful calling them back because they will will say that you "initiated contact" with them and in so doing, YOU initiated a business relationship with them which makes it legal for them to continue to harass you even if you're on the FCC do not call list.
  • 0
    mike
    I've read in some of these posts that people are getting several calls per week.  I sometimes get several calls per day!  The FCC complaint form is arduous and it's doubtful that it does any good anyway, what are they gonna do?  The names of the "companies" are: "account services," "credit card services," "card holder services."  Same shtick, different names.   I played their game and spoke briefly to an "agent" who began asking me a bunch of personal questions about my credit cards and my finances.  Like I'm going to tell a stranger that stuff, as if!  He hung up on me when I started asking questions.  You can just hang up when you get the call but how irritating!  If I want to read a book or take a nap, I need to unplug my phone which means I can't receive legitimate calls which might be important. These people represent everything that is wrong with the human race, sad man, really sad.  With all the potential good that our technology could provide, this is the best we can come up with.  It's the same old story: one group of people ripping off another group of people.
  • 0
    whitespider
    I am a first time cad owner, I have had this card for at least one year and I just got scammed. The company identified itself as Advantage Corporation, I was passed on down the line to four different people. I called Mastercard and they are going to handle it. The company charged me 492.00 dollars to lower my interest I fell for it and I feel like a fool. My account has been frozen , they will send me a new card. I have to call Mastercard on the 2nd of January. I am so angry!
  • 0
    JC Roberts
    I have a highly sophisticated telephone security that unblocks calling numbers.  'This is Brenda' is coming from Discovery Finance in Ottawa - and their calling number is 613-283-2954.  They have called me every other day for the last 6 months.  It's a clever scheme because having gone over the border they are not subject to the National Do-Not-Call Registry - and as their calls are directed to the US not subject to the Canadian agency of the same.  What you can do is report them to the OOP Anti-Rackets Branch (of the Canadian Police/Mounties), PO Box 686, 320 North Bay, Ontario PIB 8J8.  This Canadian Anti-Fraud Center will track to their billing address for their telephone and find the location they are operating from.  Also report attempted fraud to your respective state Attorney General.  The only way to make this stop is to prosecute them.
  • 0
    Maggie
    I have had numerous calls from these people and I am sick of it. What is the point of being on the Do NOT CALL LIST IF THEY DON'T STOP UNWANTED CALLS, but that is government for you. They need to be stopped.  Only the Federal Government can change interest rates and banks have to follow their instructions.
    Credit Interest and Bankrates are getting so high they are like the Loan Sharks charge any amount of Interest they want. There use to be limits with the usury law of limited amounts of interest
  • 0
    Peter M...
    I broke the code on how to get deleted from the Robo Call roster.
    I was harassed daily with one to five calls. I could not get off the call roster; asked, pressed #3 key, reported to FTC, registered with the "do-not-call" list to no avail!
    Last week I played the game again with the intent of wasting time of the solicitor.
    I decided to offer up my credit card account info as a new time wasting tactic.
    Get this, the solicitor wanted way to much info to simply verify the account, which I contributed, I.e. expiration date, zip code, full name, security number, and last four of social #.
    I know that my bank will never divulge any account info based upon the above data, or any data.
    So why did they want this detailed data.
    Simple - to run a quick merchant charge against the account.
    Well, I offered scrambled account info on all data requested.
    I held the line while they "verified." Two minutes later - click, disconnect, obviously no transaction transpired.
    Next day, the calls continued and then I got belligerent - demanding that I speak with a supervisor about a fraudulent transaction just 24 hours previous.
    Name calling from solicitor ensued.
    But - guess what - that was the last I heard from these guys.
    They must have thought that they got my money and didn't want to know me again. Someone was supposed to delete me from future calls as I would want answers - I think.
    Give this tactic a try.
  • 0
    Christa Phoenix
    I am having the same problem with account services from 404-498-9980. I have requested that they stop calling me but, I'm told no they will not.
  • 0
    micky E
    And they are still calling 2 27 13
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    short
    I just got the call and pressed 1 because I'm sick of them calling . When they came on the line he said how can I help u ma'am I said I don't know u called me he then asked do I still have over 4,000 in credit card debt . I said not he said must be nice and hung up . This is my phone line and should not have to be harrased by people . I'm on the do not call list also if they call again there gonna get an ear full .
  • 0
    jaycee
    i just ewdwuved another call and told the guy i wanted to call him back. he asked me why...The  nerve!!!!!
    I told him that I was expecting an overseas call, H esaid that he would callback. I am so sotty that I do not have a fog horn but i will diligently search for a suitable alternative. The no. used was 414 877 1895 and the caller had an Indian accent. They are also outsoutcing scams !!!!!!
    I cant wait for his call
  • 0
    Jen
    Out of all the numbers that call me for Account Services this is the only one I've been able to call back. When I'm bored, sitting at the doctors office, stuck in traffic, etc. I like to call the number repeatedly and leave short messages until the mailbox fills up.  716-809-8037
  • 0
    Anonymous
    I used to work for one of the companies that solicits these calls. After listening to some Youtube videos I am pretty sure that the one I worked for is the lead company as they get calls from all over the United States (including Hawaii and Alaska). The way it works is a robot dials your number, regardless if you are on the Federal Do Not Call List or not. I'm not sure how the automated call robot gets your number, but I'm pretty sure it's from the phone companies themselves. It is not illegal for them to share your number and this company pays them so why not? They offer to negotiate with your lender to get your interest rates lowered on your behalf which is a lie. They charge a service fee on a credit card and tell you that this fee will become dissolved after the interest rate reduction. Those that are unfortunate enough to fall for this BS give their credit card info so that the "agent" can "check to see that it is in good standing". In reality they call your bank, pretend to be you, and hear the credit line available so they can judge how much to charge. This person's job is done and then they patch you through to another person to get you to say over a recording that you agree to let them charge your card. At this point, what they do is legal because they have recorded permission to dock the card. The end result is that the victim loses anywhere from $500 to $1000 and their interest rates remain unchanged. These people are told not to release the company's location or actual phone number. The reason that I am commenting is to leak the company information so that the thousands of angry people like yourselves can take it and run with it. These people are ruthless, will curse at you, laugh at you for actually having debt, then scam you under the premise that they are helping you. I was one of the managers there on the call floor and believe me when I tell you that these people don't give a damn. They are getting paid good money after robbing vulnerable people. The company operates under the LLC "Leading Edge Financial Services" and the address is 498 Lake Destiny Dr S, Orlando, FL 32810. A search of this address returns an insurance company but their operation is run out of a side door of that building. When you search Leading Edge Financial you won't get a physical address. Report them as best you can if you wish. I would go with the FTC
  • 0
    Steve
    Here's how to deal with these creeps.  Get a dog whistle the type with the wooden pea in the body of the whistle.  Dial the number 1 as instructed and as soon as the scammer comes on the phone start blowing the whistle as loud as you can into the mouth piece of your phone.   Do it until they hang up.  Because the calls are made by a computerized system, the whistle won't make the calls stop but it sure as heck is unpleasant on the listeners ear.  I've had one of them call me back to complain.  He got the whistle again.  Works on all scammers.
  • 0
    Meg
    I was phoned yesterday by a financial service company and was told my interest rate would be reduced by 6%.  Went ahead like a fool and gave them my info. plus a fee of $795 charged to a card.  Had second thoughts and thought about the three day cancellation of a contract rule.  Called the two credit card companies and was issued new cards and filed for a dispute request which can erase that fee.  Today I was phoned by a financial advisor from the company who told me I could not cancel.  I told her I can because of the 3 day rule which states that if a solicitor makes a deal on your turf with you, including by phone, you can indeed cancel.  No more was said. Canceled!
  • 0
    tired of the scam
    I started a facebook group to continue this discussion:

    https://www.facebook.com/TelphoneAccountServices
  • 0
    Steve
    There at it again (Account Services)  this time from PH # 727.216.9840 Florida

    Told them I am on the national do not call list and not to call me again. The so nice person on the other end of the phone at Account Services started telling me how big the company was and how much money they made, trying to intimidate and auguring with me.... Account Services.... Bite Me, Filing an  FTC complaint next... Have a nice day
  • 0
    joan
    the "do not call" list is worthless;these leeches could care less who they harass with their endless robo calls. I do whatever comes into mind at the time;blow a whistle in their ear,scream and call them very unkind names. If they can interrupt my day, they deserve to have their eardrums blasted. I called the local mayor's office of one town on a company that bothered me and told him I would be driving through that way soon and would stop in with my personal written complaint and could we do lunch;calls stopped! That tactic was possible because I was able to trace the exact locale of the calls;wasn't easy, took time but it worked!
  • 0
    Al
    I got rid of all robo callers by getting them on and saying "Al-Qaeda agent bomb my white house and kill kill the fleas within. Using keywords I have initiated an NSA wiretap" repeat over and over and  they stop, even the worst after a couple or three times.
  • 0
    Vikki
    There is another scam company going by the name of VLPJME based out of the UK with a Florida address of 2578 Enterprise Rd Orange City Fl 32763-7904. Their customer service number is 1-877-496-6738. You get a robo call directing you to press 1 and the call is urgent . These people pray on senior citizens and will promise you anything to get your money. This company calms to be a subdivision of Strategic Consulting Services. There is no information on the Internet for this company and the reps you speak with have a distinct accent (calling from an Internet sweat mill overseas). Your call will get passed from person to person to try and get you to buy into this scheme. Beware of these calls and don't let them take advantage of you!
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