The court order stops the illegal calls, many of which targeted seniors and claimed to be from "credit card services" and "card member services.". They speak with Indian accents and can't tell me how long the company has been in business. You also can report Do Not Call violations at www.donotcall.gov. These companies then often fail to deliver on their promises, and the cardholder is out the thousands of dollars they paid upfront. Please just put someone in touch with me who can get me the card I applied for in the first place. Since credit card companies dont have this recourse, many are willing to negotiate a settlement with customers to recoup as much of the debt as possible. I will be watching closely. one time they told me the only way to stop them is to do business with them, which i will never do. Due to the nondescript identification of the caller, some people may believe that the calls are from their credit card company. Lets try this. "Brian" then proceeded to go into his sales spill. Yes. They may tell you to attend the bank to withdraw your money so a police officer can collect it. In that case, the creditor . The recorded message goes something like "hello, this is Rachel" Would you like lower credit card interest rates as low as 6.9%. BBB Business Profiles are provided solely to assist you in exercising your own best judgment. The Geeks Mob SCAM! they could not verify their accreditation or identify the parent or subsidiary companies, so i just told them that the conversation is over, also i gave zero information as to how many cards i have, or the amount owed. Or they will pressure cardholders to disclose their financial information so they can ostensibly take advantage of a limited time interest rate reduction. Every day, we strive to bring you peace-of-mind as you work toward your financial goals. If you unwittingly give your financial and personal information to scammers who claim to be from your card issuer, dont panic, Breyault says. Rather than focusing on the number of complaints, BBB considers how frequently and effectively those complaints are resolved. But many are mistaking the envelopes for junk mail. As a matter of policy, BBB does not endorse any product, service or business. Individuals with questions about their current card, account or wanting to apply for . Hang up on robocalls. 5. Flabbergasted, I asked if theres anything she can do and she said I should go back to my bank and educate them on how credit card applications work. Find low everyday prices and buy online for delivery or in-store pick-up. I the mean time I called this law firm that charged me the $1900 that I wanted to talk to someone about this. articles, Do Not Sell or Share My Personal Information. Yes, super annoying. What do you guys suggest I do here? But many consumers will pick up the phone if it seems their bank is calling, Breyault says. See more This scam is used by criminals who have already gotten hold of your credit card number, but need the code on the back which is used by merchants to verify that the person in possession of the card is the authorized user. Hiding negative complaints is only a Band-Aid. Note: This form is not intended for existing customers or partners. I know a company can be sued if they keep calling after you have told them. Looking for alternatives for your holiday shopping? X . John Breyault, Vice President, National Consumers League, These callers use vague terms such as cardholder services so they can appeal to as many consumers as possible. I have provided Elain Financial Services with supporting documentation as proof of my payment being made on time for March,2020 multiple times. Has anyone ever figured out what to do about them? There are several situations that qualify for requesting a chargeback, such as: Fraud or unauthorized charges on your account: If you dont recognize a transaction and suspect it was from fraud. I told her I didn't want the card if it cover the whole amount. For help with your Trust and Investments online experience or access issues: 855-594-7236* (toll free). But heres the deal: credit card companies dont need your credit card number in order to lower your interest rate. When you apply for a credit card the bank runs a credit check, accessing a list of all your debts. Debt Assistance Scams Other fraudulent callers seek to exploit the fact that many people face mounting credit card bills. ." They said they offered me the $5500 , Sooner's I called this Shelly ? If so press this number or press this number to be placed on our do not call list. They claim knowledge of the FDCPA, HIPAA, FCRA, GLBA, CFPA and other standards, and have been in business since 1970. Credit card debt is typically unsecured debt, meaning a credit card company cant come after your assets if you fail to pay what you owe. BBB Business Profiles may not be reproduced for sales or promotional purposes. I'll call my bank. Somebody need to get on this ppl. WARNING: VULGAR LANGUAGE (from the rep, NOT me)THIS IS NOT A PRANK PHONE CALLI receive a large number of phone calls from a company that calls itself "Cardme. Select your account on the dashboard. While there are no guarantees, the first step to lower your interest rate is to call the customer service number on the back of your credit card and ask the company for a lower rate. What special things happened in September? I am so sick of it if people all got together and get a lawyer after to sue cardmemeber services they will think before calling again. Ask for the money transfer to be reversed. But it's not just First USA being drawn into this scam, when Toby asked the live agent for a phone number, she gave him a . The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. Traveling? She said its not her job. Seriously? I was able to recover damages against them, Andre@thedebtdefense.com * he is a life saver. 02/04 - cnf call #2 and on managing payroll. I've had 6 phone calls with the credit card company, for a total of over 10 hours of effort, and it is still unresolved. Received a letter from Cardmember Service (P.O. Share your photos and videos with others to prove the truth of your words. We accept relay calls. That includes services to reduce your credit card's interest rate. He went on to say that the, wait for it$790 feewould be absorbed by the $3000 savings. They promise to get you a lower credit card interest rate, claiming to be able to save you thousands of dollars but they don't have special connections to do that. I didnt love the lack of communication, but tried to focus on solving the issue. Elain Financial Services continue to not correct this error. Why did I get mail from cardholder services? 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Submitting a response indicates a willingness to work with customers to make things right. Some recipients threw the cards away or shredded them, thinking they were fraudulent or were an unsolicited credit card offer. If youre struggling to pay your credit card bills because of economic hardship caused by the COVID-19 pandemic, a call from cardholder services offering to lower your card interest rate may seem like a lifeline. Box 790408 St.Louis, Missouri United States of America. after this they said my bank canceled payment which shouldnt be possible because my account was closed after all my balances and accounts were pulled from and there were no pending transactions. telling them you know they are scammers doesn't stop them. Scammers use automated systems to make voice calls. She asked me for my credit card number, after I explained to her that someone, with them, had been calling me repeatedly asking for my credit card number and social security number She asked me for my credit card number and I told her I didn't have a card with them. Our team can assist with balance inquiries, available credit, payments, credit line increases, authorizations, account information and . Supervisor told me I was upgraded for good credit and there is no way to change it to the card I applied for. That includes services to reduce your credit cards interest rate. Youve probably heard: this holiday season, it might be harder to find the gifts youre looking for. Calls from: (877) 838-4347. At first I didn't notice it either because usually when you make a payment, on the "recent transactions" list it says "Payment Thank You". Susan Ladika CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. If you're ready to launch or grow your credit card program with a partner who is dedicated to your financial institution's success, complete the form below and let's get started. I am not sure how or when this error occurred but it needs to be corrected immediately. This will surely increase the credibility of your complaint. So I asked the dude how he got paid if there was no interest charges to support the organization. If you've been checking your credit reports regularly, don't have any new credit cards and still don't recognize an account, there's a chance that one of your existing accounts was purchased by another bank or company. I said no, I would like an address for the company or an e-mail address and he told me to f- off and hung up on me. How do I pay my US bank credit card online? It's illegal for these telemarketers to charge you before they've actually done something. besides not pay there penalties and have it multiply month by month. How do I contact Elan financial Services? 1. To report an unwanted telemarketing call to the Ohio Attorney General's Office, visit www.OhioAttorneyGeneral.gov or call 800-282-0515. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. "Which one?" Created: Jan 4, 2014. I just checked my Chase online bank balance on my debit and I saw a charge for 30.00 dollars from CARDMEMBER SERV WEB PYMT, WEB ID: 5911111111. Contact the AG's office at 800-282-0515 . Reach the complaint department of MoneyGram at 1-800-MONEYGRAM (1-800-666-3947) or Western Union at 1-800-325-6000. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. Of course, I wouldnt give my card number to someone who called me, and told them so. So if you havent given the company permission, and the robocall is trying to sell you something, theres a good chance its a scam. Contact us. So, yes, Cardmember Services is a scam. I said I was interested and she asked for my credit card number. Cardmember Service business: 866-485-4545*. I did a quick search on the company and it said . I just checked my Chase online bank balance on my debit and I saw a charge for 30.00 dollars from CARDMEMBER SERV WEB PYMT, WEB ID: 5911111111. be safe! SOURCE: Chase Bank. I get them constantly and sort of enjoy wasting as much of their time as possibleasking them to repeat, complaining about their accents (usually Pakistani or Malaysian) being hard to understand, asking them where they are from and their names which is usually a name like John Smith or Kevin Jones despite their obvious foreign birth. At a branch: You can make a payment at any U.S. Bank branch during normal business hours. When I refused to give my SSN, he hung up. Mastercards website refers to cardholder services as benefits provided to its credit card holders, including access to airport lounges and guaranteed hotel prices. If you want to cancel a pending card transaction, your best bet is to work out the issue with the merchant. I texted (Shelly) about this and that I wanted my money back. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Business email compromise, a case in point, has spread across text messaging, collaboration platforms, search engine advertising and other channels. I said, OK, Tell me my name. . She said maybe and then I have to dispute it and said she wouldnt email the credit bureaus or do anything to help. She got a letter from Cardmember Service in Fargo, North Dakota saying someone opened a credit card in her name using a California address. This means that debt collectors cannot harass you in-person at your work. Card Members Services calls me at least 3 times per week regarding my Discover Card and lowering my interest rates although I have told them to remove me from their list AND that I'm on a Do Not Call List. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The overcharge scam. She said she could put me on their do no call list and I explained they had done that over 200 times already. Please enter your user name and password. In other cases, the calls come from scammers who hope to steal your financial and personal information in order to commit identity theft, says Eva Casey-Velasquez, president and CEO of the Identity Theft Resource Center. Over the past year, she said, Visa has seen a rise in highly sophisticated frauds. I said I wanted to look at their web site to verify that they are a legitimate company, and they told me it is www.cardmemberservices.com. If you are not on the National Do Not Call Registry, visit www.DoNotCall.gov or call 888-382-1222 to sign up. He just keeps saying "your company." Essential reads, delivered straight to your inbox. St.Louis , Missouri. Cardmember Services P.O. number that dialed me was [protected]. This type of scam is known as an authorised push payment. Heres part of what Toby reports: Ive been receiving unsolicited telemarketing calls for several months on my cell phone, offering to lower my credit card interest rate. I have asked several times to be removed from their list especially since it is a violation of federal law to make telemarketing calls to cell phones but they have ignored me or hang up before I can even get the words Please add me to your do not call list out of my mouthI continue to get these calls at least a couple of times a week. BBB is here to help. Worked for me, Everyone who has received a pre-recorded call from this page, I encourage you to go to thedebtdefense.com or reach out to andre@thesebtdefense.com. I bought the mesh system and turned off the company provided router years ago and have absolutely no complaints. With a charge of $1900,but that would go on debt reduction plan. I think because of this issue . Do consider putting a freeze on your credit report, which makes it harder for identity thieves to open new accounts in your name. Once a cardholder has approved the transaction and selected an approver, the approval status will change from Pending to Approved. In many cases these calls are designed to create leads for firms interested in selling credit card interest rate reduction schemes to you, says John Breyault, a vice president at the National Consumers League, which operates the website Fraud.org. For help with your Trust and Investments online experience or access issues: 855-594-7236* (toll free). I asked for his phone # and he said the other guy that was supposed to call would provide it. Got a call from Cardmemberservices ? Attackers are also using new technologies such as artificial intelligence to improve BEC impersonation. UAT03_OBC trancoreElan UAT3 Trancore.23.2.48 48_230206__1224. Accuracy, independence and authority remain as key principles of our editorial guidelines. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. First seen on September 4, 2021, Last updated on September 4, 2021 1 April 2023 onwards. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. If the recording says you can press a number to opt out of future calls, that would be a big mistake and simply let the scammers know your number is valid, she cautions. If you wired money to a scammer, call the wire transfer company immediately to report the fraud and file a complaint. spent more than three decades working as a journalist, reporting everywhere from Bali to Bosnia to Tampa Bay. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. Elain Financial Services continue to have multiple violations of the fair credit reporting act which they need to be hold accountable for fail to uphold the law. The .gov means its official. Return the affidavit through certified mail/return receipt requested so that you have proof of when and that it was delivered. Elain Financial Services continue to not correct a error in the system. What credit cards are issued by U.S. Bank? These scammy debt relief companies will tell you just about anything to get your money: Anything these companies say they can do for you, you can do for yourself for free. Privacy Policy. Cybercriminals are nothing if not flexible. Go with an accredited bank. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Heres what you need to know about these calls. And, surprisingly, you can sue Cardholder Services (or whatever company is sending the calls) and get up to $1,500 in damages for every illegal telemarketing call. I received a letter from Cardmember Service, PO Box6374, Fargo ND. Check the data at the top of this page and the bank's website for the most current information. He said that because my credit score was over 750, I qualified for a special program to reduce my interest rate on all my cards to less than 6% for life! Because of the COVID-19 pandemic, many credit card issuers are willing to lower interest rates, defer payments, decrease minimum payments or allow customers to skip a payment, she says. MetaBank is the Treasurys Financial Agent, according to the IRS. Every time, they say "we think it is fixed" but it is not. News When a chargeback happens, the merchant is hit with a chargeback fee, which typically ranges from $20 to $100. Anything a debt relief company says they can do for you, you can do for yourself for free. See the online credit card applications for details about the terms and conditions of an offer. If you click on a transactions approval history tab, the approval actions will be displayed. Card Services Scams. *The Elan Rewards Program is subject to change. That was Thursday,haven't hear from her again. . By selecting "Continue", you will leave myaccountaccess.com and enter a third party Web site. So, if there is a real James J Anderson, that dude just gave up your card number like it was nothing. The auto answer says it is for "Member Card Services" and said that a CC ending with 4 unknown digits was associated with this phone number." Phone: 1-800-558-3424. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. How the scam works: Similar to the Account Upgrade scam, this one comes as an e-mail you receive claiming to be from eBay, saying (the following is an excerpt from a real scammer's message): "We are writing to alert you that your balance is not paid, because your credit card company declined eBay's attempt to . That's up $1,500 per illegal call. At other times the scammers will pretend they work for a credit card issuer and they ask the cardholder to verify their bank information so they can help reduce the consumers interest rate, the Minnesota attorney general warns. I have asked them to stop calling her and I am told to shut up and cursed at. Lets face it theres a lot of jargon and high-level talk in the credit card industry. . Consumers love to do business with someone that can admit mistakes and state how they made improvements. Do credit card companies call to lower interest rates?