866-987-7206

Interest rate reduction scam. I held them on line and gave bogus info to get to a rep that would give me his number. don't fall for it!

they just offered me a service, said theres a fee, i said i don't want it, they told me it's fine have a great day, didnt seem like a scam to me

Heather from Account Services, during call "Rachel from Cardmember Services" called on another line. Later they called the biz "Card Services."

unfortunately it's a total scam that's generated millions for the owners of the Heather and Rachel telemarketing call centers - no service is provided. Sorry to burst your bubble.

I just got a call by this company. Transferred me to a agent named Patrick Murphy. He was very rude and stupid. Tried to scam me out off 3000$ upfront. Wanted me to go and get a pre-paid credit card at the store to pay him. What a joke. I filed a police report.

They called my mother who is a senior citizen this morning and told her they could reduce her interest on her credit cards and convinced her they were from Capital One. She gave them some information when I called back they would not talk to me and could barely speak English. They said they had a verbal contract with her and were going to charge the credit card for the services but could not tell me what the services were. This is a SCAM!!!! We are canceling the credit cards now. Do not give anyone on the phone this information. They were alos very rude when I called back. They need to be investigated for ripping people off.

Dana,

    IF they were to sue your mother, they'd have to reveal their true identity, which hopefully you'd post here.  If they sue your mom, the most important thing would be to place a DIRECT call to the FTC and  explain that she received a fraudulent robocall from "Heather" or "Rachel." The FTC has put several "HeAther" and "Rachel" operations out of business, but new cockroaches pop up to replace the ones who got squished by the FTC.  Your mom's defense is that the "services" are a total fraud, and she has the right to counter-sue them for $1,500 for violating the Telephone Consumer Protection Act, 47 US Code section 227 (b) (3) by knowingly and willfully placing an illegal robocall to her.

    The reality is that these cockroaches can't risk being discovered, and most likely will never sue your mom so as to avoid the bright lights that would shine on their scam.

I got a call and reluctantly gave some info because they made it seem they were calling from my bank or card company.  The first agent didn't speak much English but  the second person i spoke with explained everything.  He was very clear and made me feel much more comfortable.  The biggest reason why i did the process was because they already had my info so i minus well finish the call to see if and what they can do.  They actually then called my bank with me on the phone and did lower my rate.  I then proceeded to lower all my 5 credit cards, some even got a 0%.  I can say that this is definitely not a scam!

They tried offering me their services.Then told them I am not interested. They kept on calling threatening to charge me for their services.Very rude This is a SCUM.

They tried offering me their services.Then told them I am not interested. They kept on calling threatening to charge me for their services.Very rude This is a SCUM.

Your name is SHILL, and these people are a scam.

This company is a scam, they contacted me also but i already used another company years ago to consolidate my debt. For anyone in NYC area I recommend calling 646-685-8595 the company that consolidated my debt.

They are scam artists .... They stole the name card services from a legit company .... Dont use them ... Call the real card services inc ... To lower your credit card interest rates ... 866-987-0546 ... This is the real card services ... Dont get fooled by the fake company making robo calls .... Call the real card services .... !!!! 866-987-0546 ...

I also got a call by Patrick Murphy, he's a real scam artist, wanted me to send him naked photos of my self or he would send me to collections. He keeps calling me every day asking me to send him nude photos or he will send me to collections. Someone please help and report him and his company. I had to change my number so he stops calling me. I don't even have a credit card idiots.

I'm not a scam!!! I'm a real professional credit advisor. Call us today for a lower rate and ask for the Patrick  Murphy special.

Patrick Murphy likes anal toys up his butt you scammed my elderly father you scum bag

call from patric murrphy extension 6021   3/15/17.  would lower interest rate.  called my card bank and ask how to lower rate . told them ainfprm,ation for patric murrphy.  sounded lik a scam.

My husband also got a call by them. He was transferred to a  ignorant [***] by the name of Johnny Paul. Wanted us to pay $799.00 to lower our rates. Get a real job losers.

Please read my review from years ago regarding this company.

After receiving one of those robocalls touting the ability to lower the interest rates on my credit cards, I could’t help to find out exactly what their angle was. It turns out that the company calling was Financial Consulting Services. I decided to play along to see exactly what it is that this company does.

The Experience
The sales representative informed me that they could reduce the interest rates on all of my credit cards to 6.9%. I was intrigued as he claimed they were authorized by Visa and Mastercard to lower the interest rates on all of my credit cards.
Having been in the credit counseling industry for nearly a decade, I was unaware of this “authorization.” I tried to determine what exactly the company would do for me, John Q. Customer.
He said that as long as I owed at least $3,500 that I would qualify. That appears to be a common threshold for many credit counseling or debt management programs. However, he said that it was not debt management.
I asked if it was debt settlement. To this question, he also told me “no.” It also was not a debt consolidation loan. OK, I must admit, I had my doubts at this point and wanted to know more. Because he could not answer my questions, he consulted with his supervisor. I couldn’t even get a definitive answer on who the company was. All he could provide was the telephone number, which was 888-559-2126.
The supervisor went into the same script but refused to answer my questions. He did at least clarify what company they were calling on behalf of, which was Financial Consulting Services.
When I asked for clarification on what the company actually could do for me, this supervisor became very combative. He asked me if I was interested in lowering my interest rates. I said, who isn’t, but I was still unsure exactly what services he was selling. He said I should stop wasting their time. Twice he told me that I should just “hang it.” At that point, I requested his name four times. Ultimately, all I heard was a dial tone. I guess he decided to “hang it.”
Of course, I wanted to know more about Financial Consulting Services. Since I had the telephone number and the company name, I was able to track down the company. I called customer service to inform them of the rude solicitation and to request more information.
The representative I spoke with was very cordial and apologized for the unprofessional treatment that I had received from a supervisor. She clarified some of the things I had been told by the sales rep.
First, they were not authorized by VISA and Mastercard to lower my interest rates on all of my credit cards the way that the representative claimed. Instead, they were simply authorized to contact the companies on my behalf. Anyone can call your creditors on your behalf if you give them written authorization. That does not mean that they can do anything more for you.
Secondly, she told me that their fees were based on the amount of the savings received by the consumer. I was unable to get any exact clarification on how this was calculated.
Third, she confirmed that while they do some debt management programs, that this was only a small percentage of their business.
She did offer to research the call to determine who I had spoken with. She agreed that the supervisor had behaved in an unprofessional manner.
Their script is apparently geared toward railroading you into a “qualification” session. The supervisor and the original sales representative both responded with the same vague answers that really didn’t address the questions.
What Does Financial Consulting Services Do?
I researched the company to find out more about who they are and what they actually do. First of all, Financial Consulting Services lists the following address:
* 616 Corporate Way, Suite 2, #3449, Valley Cottage, NY 10989
The Better Business Bureau classifies this company as a financial services company. The BBB also gave an “F” rating to Financial Consulting Services, with 7 complaints.
The company appears to have intentionally targeted the unaffiliated Financial Consulting Services, LLC of Glendale, Arizona by using the same name. A representative at Financial Consulting Services, LLC confirmed that their attorney had notified the company to cease using their name. The website www.fcs_intl.com has since been taken offline.
Similar schemes have been reported under the names FLS Resources and Genesis Capital Management.
The scheme works like this. An automatic dialer plays a recording that invites you to speak with a representative about lowering your credit card interest. The firm offers to be able to lower your interest rates through authorizations they have received from major credit card companies. If you consent, they place a charge of between $800 and $1,000 on your credit card. If that doesn’t sound the fire alarm, I don’t know what does!
The Conclusion
If you get a call from any entity utilizing an automatic dialer, you should politely request that they remove your number. You should never contract with any company that cannot easily explain to you their services and their fees. You should never contract with any company that cannot maintain at least a “B rating” with the Better Business Bureau.
I was amazed at how difficult it was for the representatives to explain what it was that they actually did. The reason was that their script and/or sales presentation was specifically geared to falsely imply that they had been granted some other authorization from VISA, Mastercard and issuing banks to reduce interest. No entity other than government entities have that authorization.
A bit of healthy skepticism can keep you from being caught up in this type of scam. Of course, you should always research the organization to confirm their reputation. Lastly, if something smells fishy, throw it back!

Credit CARD SERVICES is the name of the firm they said it was. Their also said the could lower my interest rate but they needed to make sure I qualified for the service. The credit qualifying amount was 3000.00$ or more. I kept asking how do this company make money or how much they were asking for. Patrick replied, I (me) don't have to pay any thing , but I kept asking how do they get their money.