Recording: "This is Cardmember Services." I was able to recover damages against them, Andre@thedebtdefense.com * he is a life saver. 3 complaints closed in the last 12 months. Box 790408 St. Louis, MO 63179-0408. However, a debt collector, like a credit card company, may call you at work, though they cant reveal to your co-workers that they are debt collectors. Will I get my money back if someone stole money from my bank account? I was treated poorly, but am hoping this was a one time event. CreditCards.com is an independent, advertising-supported comparison service. Hang up on robocalls. Yes. When a chargeback happens, the merchant is hit with a chargeback fee, which typically ranges from $20 to $100. Scammers often ask you to pay in ways that make it tough to get your money back. It starts off, "This is your last notice"! That includes services to reduce your credit card's interest rate. Consumer Credit Card Members call 1-800-558-3424 and Business Credit Card Members call 1-866-552-8855. Ludicrous offer! Dont share your credit card, bank account, or Social Security numbers or any other personal information with anyone who calls you out of the blue. Registration. You must know my name. She asked me to hold on and thanked me for my patience because the computer system was slow . Before applying, verify details on the issuers website: How do you know which transactions are awaiting your approval U.S. Bank? saying they could get me zero percent for 18 months. The scammer calls armed with some personal information, a name, address, or even a credit card number, and uses . Was that your life goal when you were a child?l. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. If you get a phone call purporting to be from cardholder services, it often comes in the form of a robocall, says Linda Sherry, director of national priorities for the organization Consumer Action. Second, the "Card Member Services" website is owned by First USA, a legitimate financial institution. I asked her for the name of the contact person. To get your permission, the seller has to be clear its asking to call you with robocalls, and it cant make you agree to the calls to get a product or service. 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. 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. They you should call your insurance company and find out what the problem really is. Get previous slide. Also my credit from the 3 reporting agencies is frozen. They usually require the consumer to pay high up-front fees of as much as $2,000 or more. Do hang up on an unsolicited call offering to get you a lower credit card interest rate. SOURCE: Chase Bank. The industry is trying to work with people.. Recorded voice said I could transfer current credit card debt to a 0% balance. 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 first time the sent me another bill the following month for interest charges on the payment I paid in full the month previous. So, yes, Cardmember Services is a scam. 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. they were lost at that point. the whole concept of credit cards is the interest. In that case, the creditor . He agreed and gave me his CC # with his name and expiration date. Please go to the below link and sign the petition to make congress make the FCC do their job. 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. 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. By selecting "Continue", you will leave myaccountaccess.com and enter a third party Web site. When I said that wont solve the problem, she said yeah but it will stop the next person from having to do this. They tell consumers they work with the banks to lower the interest rate. Fill out a complaint at www.nospamcalls.com if you get these calls. If you didnt lose money and just want to report a call, you can use our streamlined reporting form at DoNotCall.gov. Or they will pressure cardholders to disclose their financial information so they can ostensibly take advantage of a limited time interest rate reduction. To get started, youll need to log in to your account from a computer (non-mobile device). UAT03_OBC trancoreElan UAT3 Trancore.23.2.48 48_230206__1224. 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. I have a credit monitoring system, thank God. I will be watching closely. I cannot block them from calling on her phone, its a very simple phone and does not have that capability. For help with your Trust and Investments online experience or access issues: 855-594-7236* (toll free). Today at 3:07 p.m. EST I received a call from phone number ###-###-####. 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. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. If you give permission, you have the right to change your mind later. I told him I'd have to research the company. besides not pay there penalties and have it multiply month by month. How those businesses take care of those complaints is what separates good businesses from the rest. Experian Go, a tool to build your own credit report, Credit card hardship programs: how they work, how to qualify. X . I suspect it is all a scam to get people to give up personal financial information. However, you may be putting your personal or financial information in jeopardy. These people have been calling me for a long time. At a branch: You can make a payment at any U.S. Bank branch during normal business hours. Submitting a response indicates a willingness to work with customers to make things right. 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. Federal government websites often end in .gov or .mil. I told him that I do not carry balances from month to month and asked how this program would benefit me (because if you don't carry a balance the interest rate is not an issue if you pay it off before the billing cycle). Once a cardholder has approved the transaction and selected an approver, the approval status will change from Pending to Approved. If you believe you have been the victim of fraud . I have received many calls from these people so I have now blocked them on my phone. All business will get complaints. All of my credit card balances are at 0% right now. One of the most common scams is an offer of low interest rates or a chance to reduce your debt for a nominal fee up front. . 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. They said they offered me the $5500 , Sooner's I called this Shelly ? Being retired, I have the time. With all this unwanted Modern Technology( autonomic cars, expensive electric vehicles).. WHY can't the geniuses stop these unwanted scamming calls to reduce my interest rates on mortgages, credit cards, and then invent a vehicle that forces one to use a turn signal? I got the same call. Cardmember services login page for First National Credit Card company. Our dedicated customer service representatives are available 24/7/365. The Minnesota Attorney Generals Office warns that card services scammers will offer to help reduce a credit card holders interest rate, and often charge upfront fees of $2,000 or more. Anything a debt relief company says they can do for you, you can do for yourself for free. Mail: Cardmember Service P.O. I ask him to tell me which card company he's with. By providing my email address, I agree to CreditCards.coms They then asked me for my credit card number, supposedly so they could talk to the credit card issuer to verify my credit standing (that my account was current and not over-limit, they said). Elain Financial Services continue to not correct a error in the system. The CMS reps ask to "Verify" the card(s) by requesting the type of card (i.e. He continued to pressure me, and said the offer was valid to that day. I know a company can be sued if they keep calling after you have told them. She said maybe and then I have to dispute it and said she wouldnt email the credit bureaus or do anything to help. Is organic formula better than regular formula? If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. The plain envelopes they arrived in were marked Money Network Cardholder Services, from MetaBank in Omaha, Nebraska, according to AARP. To file a complaint in English or Spanish, visit the FTC's online Complaint Assistant or call. Saturday I get an email saying my credit score went from *** to *** . be safe! Hiding negative complaints is only a Band-Aid. 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. read more. What happens when a cardholder approves a transaction US bank? See more Privacy Policy. Its your Coronavirus stimulus payment. BBB Business Profiles are subject to change at any time. This is what scammers are relying on.. The last time I chatted with a live agent was Saturday. Second, the Card Member Services website is owned by First USA, a legitimate financial institution. Other government disbursements, issued by U.S. Bank on its ReliaCard, use the term cardholder services to describe its customer service department. How to protect yourself from this scam. Thieves and scammers might impersonate bank representatives or government officials in order to steal your information. For business credit cards, call: 888-269-8690.