This comment was posted by a verified customer. It shows up on caller ID, wireless caller, but they say thier name is Cardmember Services and wanting your info to get you a lower rate on your credit cards. 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. You really cant trust what it says there.. Learn about getting and using credit, borrowing money, and managing debt. A Chase Bank phishing scam is targeting victims via email and text messages. . For help with your Trust and Investments online experience or access issues: 855-594-7236* (toll free). Then I checked the website ID and it led me to CardMember Services's website. In lieu of a paper check for the Coronavirus stimulus payment, the government has sent some citizens prepaid debit cards. I've even contacted the BBB, and THAT doesn't do any good, due to the message saying, "If you want to be taken off our list . I keep getting calls from this idiotic so called company. The recorded message goes something like "hello, this is Rachel" Would you like lower credit card interest rates as low as 6.9%. Country: United States. He gets mad that I won't let him off the hook for his lying and he hangs up, just like the last time I confronted these same scammers. Never give your personal financial or other information to random callers, no matter how legitimate they might sound. You should also report the incident to the Federal Trade Commission, the Federal Communications Commission, your states attorney generals office and Fraud.org, he says. Do hang up on an unsolicited call offering to get you a lower credit card interest rate. Also, by law, companies that sell debt relief services on the phone cant charge a fee before they settle or lower your debt. So I asked the dude how he got paid if there was no interest charges to support the organization. Now he has all my info fortunately I have the highest protection of Lifelock and I called as soon as I got off the phone. Print this Report. The scammers offer an appealing message sign up for their offers and you may be able to decrease your debt or get an extension on paying your credit card bills, Casey-Velasquez says. Virtual Classes. If you believe you have been the victim of fraud . Scammers are preying on consumers who need assistance paying their credit card bills amid COVID-19. When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. BBB Business Profiles may not be reproduced for sales or promotional purposes. Second, the "Card Member Services" website is owned by First USA, a legitimate financial institution. Indian guy represents himself as "Cardmember Services." 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. 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. Copyright 2023 CreditCards.com a Red Ventures Company. It's a scam, an illegal scheme that violates the Telephone Consumer Protection Act, a federal law passed in 1991. CardMember Services - harassing phone numbers, CardMember Services - balance transfer/0% interest, CardMember Services - Harassing phone calls, CardMember Services - 0% credit card balance transfer. To stop these calls, ask the debt collector not to contact you at work. 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. Note that complaint text that is displayed might not represent all complaints filed with BBB. Submit a complaint and get your issue resolved. Four different kinds of cryptocurrencies you should know. You also can report Do Not Call violations at www.donotcall.gov. You are certainly welcome to log the offending phone numbers and report them to the Ohio Attorney General's office or the Federal Trade Commission. Maybe a drone with a missile might be in order! chkcardcardmember serv web pymt checkcard cardmember serv web pymt pos debit cardmember serv web pymt pos pur cardmember serv web pymt What to know when you're looking for a job or more education, or considering a money-making opportunity or investment. Today at 3:07 p.m. EST I received a call from phone number ###-###-####. 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 toll-free number for Discover cards. FidelityRewards.com is not responsible for the content of or products and services provided by , nor does it guarantee the system availability or accuracy of information contained in the site. She said it was against policy and reassured me she was trying to help me. BBB Business Profiles are subject to change at any time. I suspect it is all a scam to get people to give up personal financial information. I fell for it. Next day I got an email from Discover Card with an offer for $5500. 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. The merchant is liable for the acceptance of any fraudulent order and the cardholders issuing bank will collect the customers refund from the merchant should a cardholder request a chargeback. Its your Coronavirus stimulus payment. Find low everyday prices and buy online for delivery or in-store pick-up. If an automated call provides a number and asks you to call back, don't. Only contact PayPal through the Contact page in our Help Center or call PayPal Customer Service at 1-888-221-1161. I could then just apply or cancel this card. The debit card should have a VISA logo on the front, and a MetaBank label on the back. I'll call my bank. i am trying to find out if Best Investment Services in North Dakota is a legitimate escrow company. Many of us have become accustomed to getting phone calls from banks warning us of fraud. These people have been calling me for a long time. Shop MSI NVIDIA GeForce RTX 3060 Ti VENTUS3X 8G OC LHR 8GB GDDR6 PCI Express 4.0 Graphic Card Black at Best Buy. See related: 10 signs youre talking to a scammer. As a matter of policy, BBB does not endorse any product, service or business. How do I get my money back after being scammed online Ireland? For overnight mail, send your payment to: . I did a quick search on the company and it said it was a "lower your interest rate if u give me your ss#/card#" type phone scam. 11 Feb 2013. Then, I asked if there was any way I could cancel this an re-apply with a note to get me the card I want. The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely. In case of digital tickets, the tickets will be emailed to the cardmember on the email address mentioned in the invoice. . Why did I get mail from cardholder services? I have received many calls from these people so I have now blocked them on my phone. However, you may be putting your personal or financial information in jeopardy. 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. However, all credit card information is presented without warranty. Regarding your credit card numbers, a good rule of thumb is to assume that anyone who calls and asks for your credit card number is going to charge your credit card. 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 . Every day, we strive to bring you peace-of-mind as you work toward your financial goals. "Your card company." Scammers may claim that the lower interest rates theyre promising are only available for a limited time. Created: Jan 4, 2014. I blocked most of them but took this call to see if I could get an e-mail address to file a claim against them for unwanted solicitations. Return the affidavit through certified mail/return receipt requested so that you have proof of when and that it was delivered. I ask him to tell me which card company he's with. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. Also my credit from the 3 reporting agencies is frozen. When I asked the dude, with a thick Indian accent named "James J Anderson", why he needs my CC number he said to bring my interest rates down. See details. If you answer the phone and hear a recorded message instead of a live person, it's a robocall. Mail: Cardmember Service P.O. The message says theres something wrong with Its Cyber Security Awareness month, so the tricks scammers use to steal our personal information are on our minds. The recorded calls purport to come from nondescript entities such as "Card Services," "Cardholder Services," etc. 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. An official website of the United States government. While he was waiting to get mine, I told him what about the security code and then he flipped out and started cussing at me and telling me to go #$%# myself, you @#$ARD LOL. I know a company can be sued if they keep calling after you have told them. I texted (Shelly) about this and that I wanted my money back. Since it had been 90 minutes and she was the 3rd person I spoke to, I stated that I think its fair to ask her to find out the details then let me know. See related: How to read credit card terms and conditions. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Over the years shes written about a wide range of personal finance topics, including credit cards and debit cards, financial scams and frauds, savings and checking accounts, real estate and insurance. There arent any shortcuts or special tricks to getting a lower rate. That includes services to reduce your credit card's interest rate. Reach the complaint department of MoneyGram at 1-800-MONEYGRAM (1-800-666-3947) or Western Union at 1-800-325-6000. Other government disbursements, issued by U.S. Bank on its ReliaCard, use the term cardholder services to describe its customer service department. 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 . Now when I start to say I am on do not call list they hang up. Once a scammer has your information, they can use it to commit other fraud against you. Mar 07, 2011 12:24 pm EST. 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 . Its a huge red flag if someone who purports to be from your bank is trying to pressure you to provide your personal or financial information or make a snap decision, Casey-Velasquez says. The FTC and its law enforcement partners announced actions against several income scams that conned people out of hundreds of millions of dollars by falsely telling them they could make a lot of money. I told her she was doing what the callers do too often and I wanted it to stop. To view the verified credential . Looking for alternatives for your holiday shopping? Submitting a response indicates a willingness to work with customers to make things right. I asked to be placed on a "Do not call" list and they hung up. Most banks should reimburse you if youve transferred money to someone because of a scam. Click the transactions status link in Approval Status column. Many of us have become accustomed to getting phone calls from banks warning us of fraud, he said. I have asked them to stop calling her and I am told to shut up and cursed at. Elain Financial Services continue to not correct a error in the system. over and over they send me bills and late fees for amount that I have paid in full and called to confirm this dozens of times. They you should call your insurance company and find out what the problem really is. Content published under this author byline is generated using automation technology. If you were a little too jolly with your holiday spending, here are some tips to help you pay down your credit card debt. Toby reveals these scammers are using contact information for both First USA and Discover. You must know my name. She asked me to hold on and thanked me for my patience because the computer system was slow . the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. There has been in an uptick in these calls since the pandemic began, Casey-Velasquez says, because they are appealing to a much broader range of people., Previously, many people ignored such calls because they had busy work lives and personal lives, or were doing fine financially, she says. Its illegal for these telemarketers to charge you before theyve actually done something. I dont know what their ultimate purpose is extracting personal information, charging the cards, or selling credit cards that will end up being more expensive for the consumer. If youre struggling to pay your credit card bills in the COVID-19 pandemic, a call from cardholder services offering to lower your card interest rate may seem like a lifeline. St.Louis , Missouri. Then click Continue. CLASS ACTION LAWSUIT! Chase customer service is available 24/7 to assist with your concerns. It is the same outfit responsible for the illegal "Rachel" & "FBI" robo calls. You can register a phone number either by phone or online. https://petitions.whitehouse.gov//petition/force-congress-make-fcc-do-their-job-harassing-phone-calls-card-member-services. Again, per usual he hung-up when I asked questions. 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. Second, the Card Member Services website is owned by First USA, a legitimate financial institution. Dear Valued Cardmember, Please be informed that effective 1 April 2023, the Maybank Grab Mastercard Platinum Credit Card features will be revised as per the table appended below. 6. Get next slide Overview . Don't pay a company any money before they help you. Nor do I understand why anyone would fall for their scam. Then when you push to connect to a human they want to sell you something. also appears on statements as. Before sharing sensitive information, make sure youre on a federal government site. . Chargeback services providers help merchants to recover revenue lost to chargebacks and prevent future revenue from being lost in a similar way. In fact, how a business responds to customer complaints is one of the most significant components of the BBB Business Rating. When a chargeback happens, the merchant is hit with a chargeback fee, which typically ranges from $20 to $100. I offered them made-up information about my credit accounts, such as balances and interest rates, to sound like I was an attractive prospect. See more Expand the Show balance details. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Consumers love to do business with someone that can admit mistakes and state how they made improvements. She said its not her job. I finally called the number back. Contact the AG's office at 800-282-0515 . Right after a tragedy like a . I have hit the button to be removed from their list, and it merely disconnects the call. I was told theres no way to change my card to the one I wanted. 15.7 miles away from Elan Financial Services. Seriously? *Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. If youre having trouble paying your credit card bills, rather than responding to a random phone call you receive, Casey-Velasquez recommends that you contact your financial institution directly and ask for assistance. This review was chosen algorithmically as the most valued customer feedback. A robocall trying to sell you something is illegal unless the seller got written permission, directly from you, to call you that way. . For business credit cards, call: 888-269-8690. The defendants charged consumers up to . You can not answer if you dont recognize the number, you can let your answering machine screen the call, or you can do what I do: play with them. The information, including card rates and fees, presented in the review is accurate as of the date of the review. I received a letter from Cardmember Service, PO Box6374, Fargo ND. Is cardmember services a legit company? The last time I chatted with a live agent was Saturday. We use cookies to ensure that we give you the best experience on our website. one time they told me the only way to stop them is to do business with them, which i will never do. What to do about unwanted calls, emails, and text messages that can be annoying, might be illegal, and are probably scams. My bells and whistles were going off of course but because he had information that I did not provide I wanted to see how far he's take this. So I had them checked out and also contacted FCC. 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 asked her to give me the credit card number she had for me and I would verify it because I didnt like giving my card number over the phone. Recording: "This is Cardmember Services." Scam. Triple therapy consists of a seven day course of omeprazole 20 mg, clarithromycin 250 mg and amoxicillin 1 g (or metronidazole 400 mg) all taken twice daily. . Before 1 April 2023. How to pay someone else's credit card debt. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. If theres one constant among scammers, its that theyre always coming up with new schemes, like the Google Voice verification scam. Whenever you travel out of state or out of the country, call Cardmember Service before you depart. The Minnesota Attorney General's Office warns that card services scammers will offer to help reduce a credit card holder's interest rate, and often charge upfront fees of $2,000 or more. The scary part is that he had my credit card balances and credit score! Why do I keep getting calls from card services? How do I pay my US bank credit card online? I tried to cancel my account with cardmember services multiple times. We use cookies to ensure that we give you the best experience on our website. Privacy Policy. You may be eligible for a refund, AG files charges against caregiver who billed Medicaid while client was in jail, Is your donation making it to Nepal? For help with your Trust and Investments online experience or access issues: 855-594-7236* (toll free). Visa or Mastercard), the full name on the card, and the complete 16-digit credit card number, along with expiration date and other details. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the . Got a call from Cardmemberservices ? 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