Financial Educational Services SCAM--told me 3 reporting credit bureaus said pay on time I should get a break in interest--LIARS Clearwater, Florida

I am at work when these company called and told me that the 3 main credit reporting bureaus have notified them that I pay my credit bills so timely they wanted to give me a break on the interest rate.  I fell for this.  I feel so stupid.  I should have known after they transferred from one to another to another to another and then when they told me the fee wa $949 I said I was not interested, all the while they kept telling me this was on being recorded so there would be no problems.  When I declined again they gave me to their legal dept. Bruce Levy.  What a joke.  I said I am just not interested, it is too good to be true.  Well, he said, you understood all we said.  Yes, I said and I am not interested.  Well, he said, what are your questions?  I said I have none. Not interested.  He called me back two times after I hung up (at work) and he called me again this morning the 15th of September.  I have lost all faith in banks, debt collection places that want to help, EVERYONE.  You are the most empty people I have ever met.  I hope you all rot in hell, because that is where you are ALL going.