Received a call from Teresa at "Account Services." She wanted to "reduce the rate" of my credit cards. She asked if I owed at least $2,000 on any credit card with over a 10% interest rate. I asked her what company she represents. She said M/C and Visa. I asked her through which banks? She told me they represent all 551 banks! (what????)

I asked for their website. She explained that she was in the call center and they only have outgoing phone calls and they did not have a website. She just acts to "qualify" a person for credit reduction and suddenly the amount increased to $3,000 credit card balance to qualify for reduction assistance. She needed to prove that I had six months of good credit history to QUALIFY. I asked her how do I do this?

I asked her FLAT OUT if she expected me to give her my credit cards. She said she needed the phone number on the back of my credit card. I asked her how she thought she would get my account information since it is personal and confidential. She THEN told me she needed my credit card number! I said "what?" She went on to say that I am covered under the "Consumer Protection Act" against fraud and theft.

I told her no. I am not giving out my credit card information and asked her if SHE WERE crazy. Gone. She had hung up.

Oh, yes. She claimed to be in San Francisco, CA and she stumbled over that as she spoke. The White Pages reverse directory just shows this number being a land line in De Leon Springs, FL and it is a South Central Bell telephone number. I am calling them and the De Leon Springs, FL police fraud department. I suggest you all do the same.

Crooks. Let's get em people. You do know that these crooks are able to circumvent the caller ID and throw up any number they choose right? Someone please explain to me how crooks are outsmarting intelligent law enforcement? I am so aggravated I could spit nails. I fear for the elderly and the young and honest people who would be fooled and have their credit ruined and folks this does happen to others. PLEASE do your research on these numbers and take the time to call  the Fraud Department of the Police Department when you track down the location of the number that appears on your caller ID.