Care Net

Review: I was contacted by Logic Works (aka Care Net, [redacted]) on December **, 2013. During the sales pitch, I was told that credit card would still be usable. I made an agreement, which they recorded, that promised me a minimum of $3800 in savings in interest over two years in exchange for a fee. They gave me a money-back guarantee. The agreement also stated that I would not be charged until services had been rendered. After the process started, they asked me some things that made me uncomfortable so I asked to speak with a supervisor, [redacted]. He said that if I tried to stop the payments, that they would try to collect and that would damage my credit.They shut down my credit card, which has a balance of slightly under $13,000 and put me on a payment plan that reduced my interest from 13.6% to 9.9%. This should save me approximately $1217, less than a third of what was promised. They also put in an application for another credit card.They recorded me again in the billing department because originally I had agreed to pay on the credit card that they shut down. I had to authorize another form of payment, and they would not allow me to state the services I had received in that second recording.They have refused to give me a transcript of the original agreement, and they will are acting in bad faith by refusing to honor the money-back guarantee by lifting the fee.Desired Settlement: I want them to agree in writing to release me from the payments which are scheduled to start January **, 2014.

Review: logic works contacted me through phone solicitation to lower my credit card balances. They didnt tell me how they would do it until I agreed. This all took place on the phone. TAll they did was ome credit csard balance transfers for an egregious amount of five hundred and twenty six dollars. I could have done this myself for free over the phone minus a minore 5 percent transfer charge. Whcih I had to pay anyway. This is a scma nd is known as a scam. I chagned my bank account number so they couldnt deduct the egregious fees they were attempting to charge me for simple balance transfers. This happened in November 2012. I reorted them to the distrcit attorney aoffice and never heard from them again. Today, November **,2013, I received a call from [redacted] of logic works collection dept saying I owe them Money. I told him they were a scam and hung up.Desired Settlement: drop the false collection claim and stop contacting me.

Review: 1. I was contacted by Roger Nobel at 8:32 am and informed that he received my information from Bank of America and can offer me a reduced interest rate. Contact number [redacted]ID [redacted]2. I received a follow up call at 8:45 am from Ryan O'Conner indicating that I have been approved to provided with the lowered interest rate of 6.99%. He indicated a savings of $840. He did not say there was a fee of $840. Contact [redacted] 3. **Ext **After hearing the convo with BA I expressed the decision to stop

4. [redacted]is the Supervisor for **He informed me that despite my request to discontinue the process I was not able to, even though he had the authorization to. He indicated that he could sumbit the fee of $840 to the collection agency and ruin my credit. He also mentioned that I did not provide a valid reason to cancel the process and threatened to increase my Bank of American Credit card ARP to 25%. ###-###-####, Ext [redacted]Desired Settlement: To remove the charge of $840 from my credit card.

Consumer

Response:

Greetings,

Review: We recieved a phone call on 4/**/14 and was told they could help me with my interested rate on my bank of america credit card. They had all my information so I was under the impression they that is where they from. However, as the conversation continued I realized they where not and at that point tried to say I was not interested. They told me I could not cancel and was going to be responsible for $798 for there service which they did not do. They did put me on a 3 way with one cc company I had and the rep from that company said I could do this is on my own and that I did not need them to help me get this offer. They had my daughters checking account # which is how the cc bill gets paid because I did not have a checking account at that time. When I told them I was not interested they told me they would be charging the checking account the $798 or I would be reported to the credit beureau. Then when I told them they did not have authorization to charge my daughters account, because I was not a authorised user on it they threathed me with bank fraud and the converstaion got ugly from this point. My daughter got on the phone at that point because they were getting ugly with me and they continued to get really nasty with her. After reading all the other reviews here, I felt the need to share our experiance. I really hope that this company does not charge me or report me as I did not use there services and they where very unprofessional and also used religon as part of there discussion.Desired Settlement: That they leave my account and credit alone as they have no authorization to touch any of it.

Review: I was contacted by this company, claiming they could lower my annual APR on my credit card for a fee of $940. I continued with the conversation, having given them my credit card number, and found out that all they were doing was doing a balance transfer to another credit card company. When I figured out this is what was happening, I demanded the transaction be discontinued but they adamantly told me that the transaction had already been started and could not be canceled. They then told me they were going to turn me over to a collection agent if I did not pay the pay. I felt cornered and agreed to the fee. I have since researched the company and found that they are a scam. They have my credit card info, and have charged me, they also have my social security number.Desired Settlement: I want a refund of the money I paid

Review: I received a call on my cell phone to lower my interest rate to press #1. I was transferred to someone who I thought was from my credit card company. They told me that I would be charged $748.00 but was lead to believe only if I accepted terms of a new rate. Only after I gave them my c/c # and SS# I told them that I really wasn't interested. They then told me that I would still be charge anyway because they worked on my "case". I spoke to several people to dispute it right away and they said "there is nothing I can do". I called my c/c to try and cancel or freeze my account and was told I would have to wait till it posted. I called this company back told them I wanted everything canceled due to the fact I felt like I was scammed. They gave me a hard time but was finally "able" to cancel all charges but I would be sent to collections. When I asked for the information of the company-ie. Name and Address to submit a claim with the Revdex.com and Attorney Generals office that is when I got hung up on. My husband then called and tried to straighten things out and by the sounds of it the charges were not cancelled yet and the person who hung up on me was going to get "reprimanded" but was still never told the company information like ask several times. He was told I called them which was SO not true. My husband and I have made numerous attempts to fix this problem before reporting them.Desired Settlement: I would like my c/c to be refunded and NOT to be sent to collections

Review: The phone # is ###-###-####, They called me at work and said they work for [redacted] and could lower my interest rate to 6% for a fee of $990 which would be billed over a period of time of 5 years.I thought it was [redacted] of [redacted] until it was to late after they billed me the full amouint of$990 on the [redacted] card. They kept transfering me from 1 person to another and I was confused what was going on . They said it would take only 20 minutes. I have been on the phone with them for at least 10 hours trying to get out of this and cancel this con. They did cancel my dicover card and lowered the rate I think but I did not want them to cancel the card . After keeping me on the phone for hours while I was work I had to hang up. The next day January ** I notyiced this $990 charge on my credit card. I asked them to cancel thbis service after realizing they were not [redacted].They told me to lie to [redacted] re my job and income and I have called numerous times some names are [redacted] and [redacted] at ext [redacted]. They have all my personal information and I don't trust these people . Please help they prey on the vunerable and keep you on the phone to confuse you.Desired Settlement: Shut these people down and credit my credit card

Review: Seller (not lawfully registered for Telemarketing under any name with Arizona Secretary of State) persuaded me to use their services to purchase a Discovery credit card with a 0% APR for 14 months, posting an exorbitant and uncustomary transaction fee of $940 to my Visa credit card. They performed minor "services" (obtaining the Discovery card online, adjusting the Visa credit rate) without knowledge of, nor being previously registered with Discovery, or Visa, violating numerous provisions of the Arizona Telephone Solicitations Act Title 44-1271 et seq. They received and then ignored three calls for complaint resolution on three successive days.Desired Settlement: Cancellation of sale; Removal of their $940 Transaction Fee Charge from my Visa credit card

Consumer

Response:

At this time, I have not been contacted by Care Net aka "Credit Card Services" aka "Care Solutions" regarding complaint ID [redacted]. Investigation by my own Credit Card company immediately confirmed their likely illegal modes of solicitation and operation. Their charge on my credit card has been therefore reversed. Reports to appropriate state and federal investigative agencies were simultaneously initiated.

Sincerely,

Review: This company called me to lower my credit card rates, After talking for 30 min this company asked for my last four of my social security number then 20 min later asked for the first five of my social security number! Pushing me to give to much info about myself. Wile on phone with this company and my credit card company I was spoon feed wrong answers aswell as telling me to lie to credit card companies! Insisting the cost of this serves was 900 dollars! Very smooth talking on phone dident realize this was a scame!! Names did not match up when told a last name of there employees. I called back [redacted] telling em I did notwant there service they responded it was to late and very rude, would not help me I looked online about this company and found many other people had same experience and same situation as I was thDesired Settlement: I want all my info removed from there company files!

Consumer

Response:

At this time, I have not been contacted by Care Net regarding complaint ID [redacted].

Sincerely,