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
    Kathy
    I received another call today from 209-249-1930. I didn't ask for his name but he was rude and continued to talk over me. I asked to be removed from their list and he said "are you saying you want your credit card accounts closed"? When asking what bank no name is given. Just continues to say they're with Visa Mastercard. I like the idea about the horn. Will be going to Walmart to purchase one today. I did not provide any information. Maybe I'll read a book to them the next time I get a call.
  • 0
    Anonymouse
    How it works:
    http://onthespotblog.com/on-the-spot-blog-sti ... older-services/
    http://onthespotblog.com/tag/cardholder-services/

    People should continually file complaints with their Attorney Generals office and also file with:
    http://www.fcc.gov/complaints
    https://www.ftccomplaintassistant.gov
    If enough people keep complaining then maybe something will get done.

    The calls are being made from outside the US however most of the call centers (where you actually talk to someone after pressing 1) are in the US and the companies making the money from the scam are owned by people in the US.

    Many of these calls are coming from Costa Rica and India and they are using spoofed (false) numbers, which in itself is illegal. They do cold calling for or sell the leads to numerous companies in this country and they know that what they are doing is illegal. Tomorrow this same number may be selling Cruises, Timeshares or Security Systems but if you follow the money it usually ends up in the hands of an American LLC. Keep complaining to the FTC and FCC, and start bugging our politicians to pass laws to make it punishable in criminal court instead of handing out fines that they don't pay. Another course of action is to contact phone companies to find out why they won't block spoofed numbers. With today's technology that should be an easy thing to do, unless they are somehow profiting from the use of their systems.

    The criminals behind this operation aren't going to pay attention to you asking to be removed from their list. Their calls cost them nothing and they can make a million of them a day so they have no intention of ever removing someone. When you press a key to talk to them all that is accomplished is to verify that they have a working number.
    Unfortunately blowing an air horn or whistle doesn't work either. Their headset have noise dampeners plus they are expecting it. However with that said if it makes you feel better then by all means give it a shot.

    For anyone thinking of using Special Information Tones (or as they're called in the industry SIT tones) to fake a non working phone number, they won't work. Since around 2001-2002, the costs of "digital" business lines have dropped dramatically, along with Voice over IP (Internet) telephone service. Neither of these use the SIT tones as the call information is carried separate from the audio.
    This separate call information tells the calling party digitally if the call was answered, busy, voice mail, forwarded, rejected, etc. This renders SIT tones useless. Also the "TeleZapper" products that used to be on the market used this method as well, and were rendered ineffective for the same reasons.
    It is also through this separate call information message that the spoofed caller ID information is transmitted.

    Robocalls are illegal unless you have given them prior permission in writing (not worded into some small print contract from a 3rd party) and are absolutely illegal to a cell phone.  The Telephone Consumer Protection Act permits individuals who have received certain unlawful telemarketing, such as junk faxes or telemarketing calls, to sue the violator in state courts where they may be awarded up to $1500 for each violation.
    http://www.ftc.gov/bcp/edu/microsites/robocalls/  
    http://www.ftc.gov/opa/2012/07/robocall.shtm
    http://transition.fcc.gov/cgb/policy/TCPA-Rules.pdf

    Check here first to see if it is one of their phone numbers:
    http://telemarketerspam.wordpress.com
    Pacific Telecom Communications Group
    Follow JD's recommendations in the blog and stop them at the source.

    Many of the disposable numbers come from Pacific Telecom Communications Group and they are currently under investigation and in the midst of various lawsuits. (The principles involved have been part of actions by the FCC under other business names).These businesses have ripped people off for millions of dollars, yet have paid only a couple of thousand dollars in fines. The only way to stop them is to throw them in prison for a few years to make this criminal activity less attractive.

    The Oregon Public Utilities Commission has revoked Pacific Telecom's certificate to provide telecom services in Oregon.

    The Indiana Attorney General’s Office filed lawsuits against:
    Consumer Credit Group and Proactive Planning Solutions of Arizona for violating Indiana’s Do Not Call Law and Auto-Dialer Act known as the robo-call law. Both companies violated the Credit Service Organization Act and Deceptive Consumer Sales Act by not obtaining $25,000 surety bonds with the state and collecting money upfront without performing any services.
    Debt Zero of California for collecting money up front, failing to provide services or a refund and operating without a $25,000 surety bond.
    Clear One Advantage of Maryland and Credit Arbitrators of Texas for violating the Credit Service Organization Act and the Deceptive Consumer Sales Act by not obtaining the required surety bonds.

    Arkansas sues robocallers:
    http://www.arkansasonline.com/news/2012/aug/0 ... arketing-firms/
    Missouri sues robocallers:
    http://www.legalnewsline.com/news/236974-kost ... nies-over-calls

    Proof that current laws mean nothing to these scum suckers, these same people under different companies have been sued in the past and have only paid a minimal fine. Here are just a few:
    http://www.ftc.gov/opa/2011/12/roycox.shtm
    http://www.ftc.gov/opa/2010/06/asiapacific.shtm
    http://www.ftc.gov/opa/2012/03/asiapacific.shtm
    http://www.ftc.gov/os/caselist/0923193/111219roycoxcmpt.pdf
    http://www.ftc.gov/bcp/edu/microsites/donotcall/mediacenter.html
    http://www.ftc.gov/opa/2012/02/afl_financial.shtm
    http://www.ftc.gov/opa/2012/02/voiceblaze.shtm
    http://www.ftc.gov/opa/2010/03/voicetouch.shtm
    http://www.ftc.gov/opa/2009/05/robocalls.shtm
    http://www.ftc.gov/opa/2009/12/robocall.shtm
    http://www.ftc.gov/opa/2009/09/twi.shtm
    http://www.ftc.gov/opa/2011/02/robocall.shtm
    http://www.ftc.gov/opa/2009/05/robocalls2.shtm
    http://www.ftc.gov/opa/2010/12/jpm.shtm
    http://www.ftc.gov/opa/2010/08/voicetouch.shtm
    http://www.ftc.gov/opa/2011/11/sonkei.shtm
    http://www.ftc.gov/opa/2010/05/ams.shtm
    http://www.ftc.gov/opa/2011/01/khalilian.shtm

    Write your Congressmen and Senators. We need CRIMINAL penalties against the companies that are profiting from these calls. Follow the money, slap them in prison, no one left to outsource to overseas boiler rooms, problem solved. Since they are operating across borders it should become a federal felony and should be handled by the FBI under the RICO Act.
  • 0
    Aaron
    I just keep them talking as long as I can... Lotsa fun, give no real information, just string em' along..
    If everyone decided to just waste their time it would become non-profitable...
  • 0
    Heather
    I have been getting calls from them people wanting to lower my interest rates for sometime now. I get very aggravated about it.  I don't have a credit card and don't want one.  They called from different numbers and everytime they call, I would file a complaint on the FTC website.  Today was weird when they called.  On my caller ID, it came up as my husband's name and my phone number.  I told them numerous times to stop calling, and even pressed 2 to be removed from the call list.  I am on the "Do not call" list.
  • 0
    Isaac
    I get call at the time. If I don't recognize the number don't bother answering. What I can't believe is that the government are UNABLE to track these scam artist and put them in jail.... ENOUGH is ENOUGH!
  • 0
    i am also getting these calls
    the phone number is 609-227-4849 same thing as all the rest as soon as i ask to be put on the no call list they hang up. get a real job.
  • 0
    Greg
    How many taxpayer dollars go to support the "do not call list"? Yet they DO NOTHING about these people.

    Your government at work for you....
  • 0
    jay
    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.  I can't believe that the feds can't set up some sting operation and bust these clowns.  If I knew wher they were I would personally go to there location with some of my friends and beat them all until they were choking on their blood. The sad part is I could get in trouble for saying that but these clowns r stealing millions from good people that need a bit of help and yet they continue and have been doing this for years now.
  • 0
    Fred
    I actually found the guys in Florida who are at the top of the scam. I got their phone number and called the law office where one of these guys works. I got as far as his partner and I told him the following: " I was an FBI agent in NJ and that there was credible evidence that death threats were picked up on the life of Mr. Big due to " Account Services" and that he was to call the office of the FBI in Miami to seek protection. " I assured him the threat was for real and that he must find the guy right away....I can only hope that Mr. Big had a sleepless night in Orlando or wherever he fled to that night. Although I do not live anywhere near Florida, if I did I would go to his law office and request a visit...then when I sat across from him with a local detective I would tell him how pissed off I was of all the robo calls that we all receive because he is a slimy scam artist....then I would, well you al can get the idea....Fred
  • 0
    VICTIM
    Call everyday, ready sick people.
  • 0
    fed up
    Now they're calling themselves "account services" in addition to "cardholder services". Same BS, they refuse to give you any information about themselves and hang up if you press the point or tell them to stop calling. I agree, they should all be shot; they waste way too much of my time stopping what I'm doing to answer the phone.
  • 0
    Murphy
    | 1 reply
    Step 1: register your phone number on both the federal and state no-cal lists. Wait 31 days for this to "take effect".  You can't file formal complaints without this listing.

    Step 2: If everyone files a complaint every time they get a call from these jerks, someone might sit up and take notice.
    • 0
      Katelin replies to Murphy
      Just because your in the no call list doesn't mean they won't call.  I am on both Lists and still get the calls.
  • 0
    Account services scam
    10701-671-9447called me and said it was "acount services" press 1 if you would like to lower your credit card debt. It is possible because the federal reserve blah blah... I press 1 and a guy comes on, no name, and says you indicated you would like to lower your credt card interest rates. I say, No I would like for you to quit calling me." He says, No, You quit calling me God damnit" and hung up. The next day same thing a woman comes on and I politely say, " No, I would just like for you to please remove me from your call list." She hangs up! I call the number back and it says it is the opt out number....is the better buisness bureau any help in this case? Should I call the cops? I would hate for something like this to happen to an elderly person. That phrase (GD) is very threatening to me!
  • 0
    account services scam
    oops! The number was 1-701-671-9447
  • 0
    katelin
    | 1 reply
    I received a phone call today and when i refused to give the woman my name she cussed me and hung up.  I received another about 2 Weeks ago and when i call that number back The first thing they tell you is that someone was useing there number to scam people.  Its good practice not to give info to anyone unless you contacted them.
    • 0
      Melissa replies to katelin
      This company has been calling me all hours of the day and night from several different phone numbers for over a year.  They try to get my credit card information from me telling me that they can lower my interest rate yet they can’t even tell me what name they have associated with my phone number.  I ask them to stop calling me and they tell me that they won’t stop calling.  It is extremely annoying especially if I am in class because they are the only calls I get while I am in class.  I have stared reporting every call I get from them to the Do Not Call Registry but it hasn’t helped and I keep track of the dates times and phone number of every call I get from them.
      617-371-4000
      701-671-9447
  • 0
    StopScams
    This is a scam perpetrated by a company with various phone numbers. They call the company Card Member Services or Account Management Services (and probably other names). They will try to get your credit card number and bank account number. Do not give any information! I have found two phone numbers that appear to reach the same company: (888) 654-2988, and (855) 581-9821. They hang up when you try to obtain any info about their company, or inform them that you have filed a complaint with the Federal Trade Commission. Using the option (press 1) to stop receiving calls does not work. I have found that they are under active investigation by the FTC. This is a scam, and the more complaints the FTC gets, the more likely the FTC can shut them down. Keep track of dates and times of calls, and file a complaint every time you receive a call.
    http://www.ftc.gov/bcp/consumer.shtm
  • 0
    Report-Them
    Just filed my second ftc complaint & filed a complaint with FCC (don't call). Don't worry we'll get them. One day their next call will be to their attorney. They current numbers are (701) 671-9447 & (506) 227-4565. Note FTC has posted a $50,000 reward for anyone that can create technology to block them. I just might forward a few ideas.
  • 0
    Buck Shot
    This scam has to stop the FCC should take some action they violate privacy rules and do not call protocols. They have telephone numbers from different states to confuse the person being called. They always call at the most inopportune times without having a caller I.D. name displayed just a number. so that the call receiver could think it was an important out of town call.  The perpetrators of this scam deservea a special place in hell.
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