Their representative, Kelly Dean, called me and had a lot of my information about one of my Chase Visa credit cards. She told me that she worked with Chase Visa and offered this special deal to their preferred credit customers. She said that they could lower my 11.4% interest rate to 5.6% and then get the credit card to credit my account with the past difference I had paid in back interest, which would be $2,619.00. They said to do this they would take half of what they saved me as their commission. She said they had to charge my card $995.00 and then I would see the full credit and lower interest rate in my March or April statement.
Then My March statement came and the charge for $995 was sure there, but no lowered interest, and certainly no credit of $2,619.00. In the mail they sent me a packett with a photocopied brochure, where they wanted more credit card info from me on other credit cards. I became skeptical so I called the company to ask for a refund.
I called and got a lady named Christine Cooper, and she refused to give me a refund. She said that because I did not fill out and return the packett of information I was not holding up my end of the bargain and they could not proceed with my "case". I told her that I only agreed to the one card and that since they had my info already I did not need to send them anything more. She said that she knew that I had another credit card and she wanted that info before she proceeded. When I told her that the other card was not in my name, but that I had a card issued to me by the card holder she said, okay I will let you talk to a credit advisor.
This is where is gets funny, if being scammed can ever be funny. The Guy named "Ricky" told me that he was going to find me a 0% deal. Then he said, I am trying to get you an offer with Citi Bank for a 0% interest card, I said, "wait, I don't want to change cards, and isn't their a tranfer fee?" He said "yes, but only 3% of the balance." I said, "yeah but my balance, including your charge, is 7k and 3% of 7k is a lot." Then I said, "Ricky, I could have done this myself, I didn't need your service to help me transfer balances and certainly not for $995!" He rudely said, "if you could have done it before you would have!" I responded, "no because I don't want to pay the 3%!" Then he said that he could get me 9.5% but that was it. I said that I was promised at least 5.6%. He then said he would talk to billing about a refund of my $995.
He didn't call back, so I called back and spoke to a guy named "Mo" and I asked what the status of my account was, he said that Ricky had put a request into billing to give me a refund, but that their "merchant account" went out of business so that they couldn't issue me a refund. Mo said that I had to call my bank and ask for a credit reversal- WEIRD! I did and Chase Visa was really helpful and is attempting to dispute and reverse the charges. I am waiting to see if this is successful.
I have reported this to the FTC and Florida consumer protection agency/Florida attorney general and Better Business
****I wish that I had seen MAS from Washington's posting before I met Clear Solutions.
Also, I did some research, and think that Parrish Mateo is the CEO- can anyone confirm this? Funny thing is that I hear he started a organization called :The Never Lose Hope Foundation - something related to the missing/deceased girl Caylee Anthony.
I am going to file a law suit if I do not get my refund and need to know the people to sue.
Washington, District of Columbia