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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  • 0
    Jacoby134
    | 2 replies
    I always read these comments about this being a scam and I have to say I agreed, but after recieving these calls for weeks and weeks I decided to try their "program". I gave them a card that was almost maxed out so I wasnt worried about them charging on my card, after listening to the guys pitch I was transferred to a woman named Lori who explained for me to fill out my profile when it came in the mail. I was charged $ 791 but once I filled out my papers and mailed them back i saw on my next billing statement that my apr went down to 3.9 and i have to say ive saved alot more than $791 in the long run so I may be a fool for giving out card info over the phone but it paid off. So as much as people hate to hear this i honestly dont think they are scamming people, its just the way they seem on the phone
    • 0
      MG replies to Jacoby134
      You can do that yourself by negotiating with your credit card company. This company is a scam and is placing ROBOCALLS to cell phone and spoofing the caller id along with numberous other FCC, FTC, TSR and state violations. A valid company with a competent Complaince Dept would know this. You problaby work for the company and is promoting the BS on the compaint board.
    • 0
      pappyt replies to Jacoby134
      Jacoby134, You're probably the guy that called me a "[***] [***]"  I would like to think that most people would not fall for your B.S.
      Regards,
      Pappyt
  • 0
    John in TX
    I get these calls several times a week, and as I work from home, I always answer my phone.  So I play the game with them...I select one...and I use my speaker so I can continue working as I string them along as long as I possibly can.  I figure the more of their time I can waste, the less time they have to try and scam someone else.
  • 0
    chris
    they have been calling me twice a week for the last 3 years. i've been cursed at, hung up on 99% of the times i start asking them to stop calling me. they use private people cell phone numbers to call, this i know because once i was called from a number with my own area code. i called the police and they said they could not do anything about it.
  • 0
    Jeff
    I get their calls often.  I play along with them until they ask me to give them my credit card number.  I google porn videos then and start playing the first video that comes up.  I set the phone by the speaker and walk away.
  • 0
    redog
    720 409-2532
    360 529 6177
    832 377-3059

    So far these are the numbers they call me from. I created a spam contact and add each number each time they call. I would like to punch whomever is responsible
  • 0
    Anonym
    I've been getting these calls for months from all different numbers and area codes and to my cell phone.  Tonight, I tried to play along a little to get some information.  It was Brian with Account Services from an 832 (Texas) number which has been calling me for the past few days.  He said I needed $5000 in credit card debt and >10% interest rate and I said I did.  He asked me to verify my zip code.  I asked the name of the company. He got smart and I said that it was the first thing he said "Brian from Account Services".  I said I thought that was a department.  I asked would there be paperwork, he said it will be mailed once the information was given and we figure everything out.  I asked did they already have my address because he asked me to verify my zip code.  The catch is - I've been getting these calls on my cell phone for like a year.  My cell phone is from my hometown and not the place where I've lived the last 10 years - 2 different area codes.  It still has the same number, but has only been changed into my name and my current address 2 months ago.  It had always been in my dad's name and address since he first got it for me for my 17th birthday; just never really took the time to change it.  SO - based on my phone number, he wouldn't have had my address to verify my zip code with.  After asking did he already have my address, he hung up.  I have used credit card consolidation company about 6 years ago soon after college that was reputable so I knew in his talking that his game wasn't right.  With consolidation companies, you must close the accounts.  

    They are obviously looking for people with high amounts of credit card debt (which I don't) so that they can use the cards or get your personal information from the accounts.  I will be putting a scam alert on my credit tomorrow and I will I think they are using a masking type thing because if you call the number back it is a busy signal.  I get these calls everyday.  For so many days they come from one number, but once I never answer, they switch the number up.  I'm just so super sick of these phone calls.  

    Sorry if this is a repeat of information from a previous post, I couldn't read them all.
  • 0
    Bill
    Pacific Telecom Communications Group.  

    Send your complaints and removal requests to F Antone Accuardi of Pacific Telecom:
    Interlaw@justice.com
    legal@pacifictelecommunications.com
    Office: 503-223-7747
    Cell:   971-404-4185

    July 17, 2012 · 12:48 am
    ? Jump to Comments
    Your Complaints are being Heard – Cancelation of Pacific Telecom’s Oregon Certificate

    On July 10th, 2012, the staff of the Oregon Public Utilities Commission recommended that Pacific Telecom Communications Group’s certificate of authority to provide telecommunications service in Oregon be revoked.

    Pacific Telecom violated rule OAR 860-032-0060, which requires telecom utilities to submit annual reports to the Public Utilities Commission.  Pacific Telecom failed to submit an annual report for the year 2011.

    Due to a significant increase in complaints against Pacific Telecom, Oregon regulators appear to be feeling increased pressure to fulfill their mandate to protect the public.

    If this decision is finalized, it will prevent Pacific Telecom’s 22,000 Oregon telephone numbers from being used for illegal telemarketing purposes.  Pacific Telecom has 60 days to file for a reconsideration of this decision.

    Formal complaints against Pacific Telecom can be filed with the Oregon Public Utilities Commission by visiting:

    http://apps.puc.state.or.us/consumer/complaint.asp
  • 0
    ScamEnder
    I press 1 and then ask them if they are still a known Taliban Terrorist funding program.  That number NEVER calls me back.

    Perhaps "big brother" listening will spike some interest and hunt these scam artists down!

    Have fun with them!!!!  Ask them what they are wearing, answer the phone as "Card Services....this is ________"  etc

    Reporting them doesnt seem to work....so make the best of it!
  • 0
    kathie
    | 1 reply
    Same here just now the number was 701-264-5001
    • 0
      Mark replies to kathie
      That's the same number that just called me.  It's a South Dakota number but, of course, when I tried to call it back the phone company said the number had been disconnected.
  • 0
    Janie
    I have them call from time to time. Yesterday I got the same number calling serveral times, So I decided to answer to see who it was. They came up on my call I.D. as l. Jones 713 357 6325 and when I answered A man tried to intimidate me with this stern tone of his voice. He said Did you get your request to lower your Rates thru the mail for your Credit Card? I could hear other voices in the back ground like it was a room full of telemarketers. I politely said No, but thanks for calling and hung up. Today I decided to call the number back and see who answered and I got a recording telling me that I just completed their Telecom Test and it hung up on me?? It did sound like the voice of the man that called me yesterday on the recording..Go figure. I have gotten things in the mail also wanting me to apply for lower rates on my credit cards. I do not know how they get my name and address. I signed up for the do not call list way back when on my land phone and my cell phone. I have not gotten any calls on my cell phone, but for some reason I get a lot of calls on my land phone..I once had someone trying to tell me I owed a Southwestern Bell Phone Bill from 1980 or so..I politely told them that I did not and If I had not paid my phone bill at any time during the time I have had the same phone number through out those years, that they would have cut my phone off and made me pay all kinds of deposit and penalties to get it back on.
  • 0
    DeletedMedia
    Robo-dialers and Cardholder Services continue to violate TCPA, TSR and the RICO Act-
    Racketeer Influenced and Corrupt Organizations Act U.S.C. Title 18, Chapter 96 § 1962:

    Sections 891-894 (relating to extortionate credit transactions), section 1028 (relating to fraud and related activity in connection with identification documents), section 1029 (relating to fraud and related activity in connection with access devices),”
    Section 1 of Pub. L. 91-452 provided in part that: "The Congress finds that (1) organized crime in the United States is a highly sophisticated, diversified, and widespread activity that annually drains billions of dollars from America's economy by unlawful conduct and the illegal use of force, fraud, and corruption;

    http://uscode.house.gov/download/title_18.shtml

    http://uscode.house.gov/download/pls/18C96.txt

    http://telemarketerspam.wordpress.com/

    https://complaintwire.org/complaint/iagBAAAAAAA/account-services/6

    http://www.ripoffreport.com/credit-debt-services/ryan-m-moses-melissa/ryan-m-moses-melissa-wilcox-0b2b5.htm

    http://www.ripoffreport.com/bad-check-writers/targeted-business-so/targeted-business-solutions-b-f00c5.htm

    https://complaintwire.org/complaint/PZr-lPhzvAU/targeted-business-solutions
  • 0
    Ohio
    | 1 reply
    I receive at least a call a day from area codes 360, 701, 281, and couple more...its this stupid scam with an annoying recorded message, are they kidding? WTF can be done? I'm on dont call lists, this is really bad.
    • 0
      jay replies to Ohio
      I do all the time. I tell them my card is in the car or on another floor so I ask them to please hold. I then push mute and speaker then turn the volume up. I have heard some very interesting comments while I keep them on hold for ever. One time the person that was chatting with me was laughing and telling a friend that he's nailed another sucker! Lol
  • 0
    TXNic
    I have been getting calls for months. I block the number and then they call form a different number. A fake phone number shows up on the caller ID, so I have no way of blocking them permanently. I report them to the DNC registry, but of course the FTC does nothing about it. Do not give them any info.
  • 0
    SCAMBUSTER
    They also change their number frequently. The new number is 1-408-412-4097. Beware!
  • 0
    Mark
    I just got off the phone with these guys, jerking their chain.  Tried to get a corporate ID or business address but, like everyone else, no luck.  Are there any class-action lawsuits in the works.  Surely some lawyer has something in the works...
  • 0
    Nate
    I tracked down the company info by playing along and told them I wanted to just verify the legitimacy of their business before giving out my details. I filed a complaint with the do not call registry, never heard from them. Still getting calls. All the numbers are spoofed, once you block one, they use a different one. I get calls a couple times a week, sometimes couple times a day. Wish there was something that could be done to get rid of these guys.
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