Consumer Protection Publications aka Fyi consulting former employee COMPLETE SCAM TOTAL FRAUD Phoenix Arizona

The only reason I intailly responed to this thread is because I have been a TSR for several years. Companies that aren't straight forward about their product makes it harder for TSR's that are being above board to sell their produts.

I just had some thoughts on this particular subject and I just wanted the public to know my thoughts. Do you have a problem with that? If you do, then you are the one that needs to be open and honest.

The only reason I intailly responed to this thread is because I have been a TSR for several years. Companies that aren't straight forward about their product makes it harder for TSR's that are being above board to sell their produts.

I just had some thoughts on this particular subject and I just wanted the public to know my thoughts. Do you have a problem with that? If you do, then you are the one that needs to be open and honest.

The only reason I intailly responed to this thread is because I have been a TSR for several years. Companies that aren't straight forward about their product makes it harder for TSR's that are being above board to sell their produts.

I just had some thoughts on this particular subject and I just wanted the public to know my thoughts. Do you have a problem with that? If you do, then you are the one that needs to be open and honest.

The only reason I intailly responed to this thread is because I have been a TSR for several years. Companies that aren't straight forward about their product makes it harder for TSR's that are being above board to sell their produts.

I just had some thoughts on this particular subject and I just wanted the public to know my thoughts. Do you have a problem with that? If you do, then you are the one that needs to be open and honest.

Marilyn the company does sell information as well as software and A life time customer service. So what!! My question to you is why are you so obessed with all this. Maybe you have something in your past that you need to let out. I think you need to open up and be honest. I can help you Marilyn.

"......making sure the customer understood the PROGRAM they were getting involved in...PROGRAM....not a CREDIT CARD." If I understand what was being sold here, this is not a "PROGRAM". It is INFORMATION.

A Program would imply that there would be reps available to assist you with devising and implementing a plan of action. Isn't this product just a book/booklet where a person could find information on low interst credit and how to go about securing it? Even if the information included step by step instructions on how to improve your credit this is not a program, just information.

"......This company has less than 100 complaints in over 15 years. If they are writing an average of 5000 deals a year, thats over 75,000 customers and to have less than 100 complaints is OUTSTANDING." My first question is, what type of complaints where they? Second, if you are only selling 5000 a year, how is this company making any money. If Stephanie's claim that she sold 4 a night that means she would be responsible of 1/5 of all sale made when she worked there. Logic tells me that these figures were just pulled out of thin air.

If you want to make a claim like this, you should come up with more realistic figures.

"......making sure the customer understood the PROGRAM they were getting involved in...PROGRAM....not a CREDIT CARD." If I understand what was being sold here, this is not a "PROGRAM". It is INFORMATION.

A Program would imply that there would be reps available to assist you with devising and implementing a plan of action. Isn't this product just a book/booklet where a person could find information on low interst credit and how to go about securing it? Even if the information included step by step instructions on how to improve your credit this is not a program, just information.

"......This company has less than 100 complaints in over 15 years. If they are writing an average of 5000 deals a year, thats over 75,000 customers and to have less than 100 complaints is OUTSTANDING." My first question is, what type of complaints where they? Second, if you are only selling 5000 a year, how is this company making any money. If Stephanie's claim that she sold 4 a night that means she would be responsible of 1/5 of all sale made when she worked there. Logic tells me that these figures were just pulled out of thin air.

If you want to make a claim like this, you should come up with more realistic figures.

"......making sure the customer understood the PROGRAM they were getting involved in...PROGRAM....not a CREDIT CARD." If I understand what was being sold here, this is not a "PROGRAM". It is INFORMATION.

A Program would imply that there would be reps available to assist you with devising and implementing a plan of action. Isn't this product just a book/booklet where a person could find information on low interst credit and how to go about securing it? Even if the information included step by step instructions on how to improve your credit this is not a program, just information.

"......This company has less than 100 complaints in over 15 years. If they are writing an average of 5000 deals a year, thats over 75,000 customers and to have less than 100 complaints is OUTSTANDING." My first question is, what type of complaints where they? Second, if you are only selling 5000 a year, how is this company making any money. If Stephanie's claim that she sold 4 a night that means she would be responsible of 1/5 of all sale made when she worked there. Logic tells me that these figures were just pulled out of thin air.

If you want to make a claim like this, you should come up with more realistic figures.

"......making sure the customer understood the PROGRAM they were getting involved in...PROGRAM....not a CREDIT CARD." If I understand what was being sold here, this is not a "PROGRAM". It is INFORMATION.

A Program would imply that there would be reps available to assist you with devising and implementing a plan of action. Isn't this product just a book/booklet where a person could find information on low interst credit and how to go about securing it? Even if the information included step by step instructions on how to improve your credit this is not a program, just information.

"......This company has less than 100 complaints in over 15 years. If they are writing an average of 5000 deals a year, thats over 75,000 customers and to have less than 100 complaints is OUTSTANDING." My first question is, what type of complaints where they? Second, if you are only selling 5000 a year, how is this company making any money. If Stephanie's claim that she sold 4 a night that means she would be responsible of 1/5 of all sale made when she worked there. Logic tells me that these figures were just pulled out of thin air.

If you want to make a claim like this, you should come up with more realistic figures.

My turn!! Yea, I agree with Ray I mean Roy. This is what I have been saying all along. I mean this is what others have been saying all along. Yea, quite A few people, huh.. Where is Mary Ann? Who keeps moving my clock?

People have a tendency to get negative and burn a bridge when things go sour in a working relationship. I worked at CPP and can say that many hours were spent reviewing sales pitches to the consumer, verification scripts making sure the customer understood the PROGRAM they were getting involved in...PROGRAM....not a CREDIT CARD. Every day banks send out mail telling people they are PRE APPROVED!! Fill out the application. Oddly enough, mnay of those responses end up on mailing lists and are resold by list brokers to other businesses. I know for a fact that anyone who was a senior citizen was not offered a program and was subject to immediate termination if it happened. This company has less than 100 complaints in over 15 years. If they are writing an average of 5000 deals a year, thats over 75,000 customers and to have less than 100 complaints is OUTSTANDING. Car dealerships have lemons, car manufacturers have thousands of recalls,people are not happy after they do something(that is why it is called remorse) but in this case, the customer has answered a series of questions before they are offered the program, unfotunately, buyers are liars and when they get caught and the program backfires on them, the company is called the bad guy. People didn't need Don Lapre to get a 900 number. Folks certainly don't need Carlton Sheets to find real estate. The company offers a complete service.Not just banks offering low rates. People are willing to pay for a service if it is more convenient. We hire landscapers to do our lawns, painters to paint our homes, etc. A lot of people are in the bad credit positon they are in because they had no help. The company can provide it. I personally saw many people getting better rates, saving a ton of money and improving their lives. They were willing to pay for a program and follow through. One thing I will say is Mr Crosby couldnt be in every place at every time and I see from the people whining in this report that they are just bitter. Most of the names i have seen were caught at one time or another OFF THE SCRIPT and LYING to customers(which is why many of them are not there anymore) and some even accused of much worse actions. The adults who complain made a logical decision based on infornation they provided and what was told and reverified BEFORE any package was sent out. If you people want others to be responsible for their actions, by the same token, the buyers are also responsible for theirs. Federal laws allow them to cancel as well. Quit whining. If you can do it yourself....it's simple..why haven't you and why are you the one in debt paying bank rates that are raping you and your families?? Nuff Said

People have a tendency to get negative and burn a bridge when things go sour in a working relationship. I worked at CPP and can say that many hours were spent reviewing sales pitches to the consumer, verification scripts making sure the customer understood the PROGRAM they were getting involved in...PROGRAM....not a CREDIT CARD. Every day banks send out mail telling people they are PRE APPROVED!! Fill out the application. Oddly enough, mnay of those responses end up on mailing lists and are resold by list brokers to other businesses. I know for a fact that anyone who was a senior citizen was not offered a program and was subject to immediate termination if it happened. This company has less than 100 complaints in over 15 years. If they are writing an average of 5000 deals a year, thats over 75,000 customers and to have less than 100 complaints is OUTSTANDING. Car dealerships have lemons, car manufacturers have thousands of recalls,people are not happy after they do something(that is why it is called remorse) but in this case, the customer has answered a series of questions before they are offered the program, unfotunately, buyers are liars and when they get caught and the program backfires on them, the company is called the bad guy. People didn't need Don Lapre to get a 900 number. Folks certainly don't need Carlton Sheets to find real estate. The company offers a complete service.Not just banks offering low rates. People are willing to pay for a service if it is more convenient. We hire landscapers to do our lawns, painters to paint our homes, etc. A lot of people are in the bad credit positon they are in because they had no help. The company can provide it. I personally saw many people getting better rates, saving a ton of money and improving their lives. They were willing to pay for a program and follow through. One thing I will say is Mr Crosby couldnt be in every place at every time and I see from the people whining in this report that they are just bitter. Most of the names i have seen were caught at one time or another OFF THE SCRIPT and LYING to customers(which is why many of them are not there anymore) and some even accused of much worse actions. The adults who complain made a logical decision based on infornation they provided and what was told and reverified BEFORE any package was sent out. If you people want others to be responsible for their actions, by the same token, the buyers are also responsible for theirs. Federal laws allow them to cancel as well. Quit whining. If you can do it yourself....it's simple..why haven't you and why are you the one in debt paying bank rates that are raping you and your families?? Nuff Said

People have a tendency to get negative and burn a bridge when things go sour in a working relationship. I worked at CPP and can say that many hours were spent reviewing sales pitches to the consumer, verification scripts making sure the customer understood the PROGRAM they were getting involved in...PROGRAM....not a CREDIT CARD. Every day banks send out mail telling people they are PRE APPROVED!! Fill out the application. Oddly enough, mnay of those responses end up on mailing lists and are resold by list brokers to other businesses. I know for a fact that anyone who was a senior citizen was not offered a program and was subject to immediate termination if it happened. This company has less than 100 complaints in over 15 years. If they are writing an average of 5000 deals a year, thats over 75,000 customers and to have less than 100 complaints is OUTSTANDING. Car dealerships have lemons, car manufacturers have thousands of recalls,people are not happy after they do something(that is why it is called remorse) but in this case, the customer has answered a series of questions before they are offered the program, unfotunately, buyers are liars and when they get caught and the program backfires on them, the company is called the bad guy. People didn't need Don Lapre to get a 900 number. Folks certainly don't need Carlton Sheets to find real estate. The company offers a complete service.Not just banks offering low rates. People are willing to pay for a service if it is more convenient. We hire landscapers to do our lawns, painters to paint our homes, etc. A lot of people are in the bad credit positon they are in because they had no help. The company can provide it. I personally saw many people getting better rates, saving a ton of money and improving their lives. They were willing to pay for a program and follow through. One thing I will say is Mr Crosby couldnt be in every place at every time and I see from the people whining in this report that they are just bitter. Most of the names i have seen were caught at one time or another OFF THE SCRIPT and LYING to customers(which is why many of them are not there anymore) and some even accused of much worse actions. The adults who complain made a logical decision based on infornation they provided and what was told and reverified BEFORE any package was sent out. If you people want others to be responsible for their actions, by the same token, the buyers are also responsible for theirs. Federal laws allow them to cancel as well. Quit whining. If you can do it yourself....it's simple..why haven't you and why are you the one in debt paying bank rates that are raping you and your families?? Nuff Said

Stephanie,



If what you say is true, then you were not scamming. I will have to reserve judgment until I read the "Script". Like I said before, this is a product that could sell (maybe not at this price)as long as the customer was being informed and it was made absolutly clear that is was information they were buying.



If the script starts out as stated in this thread then I beleive it to be misleading. FACT: a person will remember the first thing said and the last thing said. Every thing else is left up to what they want to remember.

Marilyn,



I myself have worked for this company as A sales rep. It was A very pleasant experience because I was going to school part time and working part time so they were very flexible with my schedule. I am A bit appauled by some of the statements' that I have read. I know they are people are 1 person anyway that is not only miserable with themselves but miserable with those that have the unpleasant experience of being around them, are him, or her.



(Mr. Anonymous) How inmature is that. I read the script word from word. I sold an average of 4 a night. It states clearly in the script that we are offering them information on how to lower there interest rates. You have good and bad in every industry. Telemarketing is A simple way to market your product whether its selling information or selling long distance. The person who will not sign there name probaly got fired for not following the script and needs closure. 1 week before I started this part time job I was going to work at A company named Premier Savings I was there my first day and They told me that my main purpose was to get the customers credit card info and they would put some one else on the phone to take over my call. No training. They were very unprofessional and rude. I walked out 3 hours later with A very unclean feeling. The people that I sold on the phone were very responsive and of course some were skeptical. Of course people can do this on there own, but some don't. I can wash my car on my own. But I prefer to pay someone else to do that.



The bottom line is that these people that I sold owed money and paid high interest rates and wanted help.They knew that they had to call A bank of there choice and apply to that bank for A lower rate to tranfer balances. Every customer that I sold was also put on hold after I was done and A superviser would get on the phone and say to the customer that they record the conversation for company policies.



In this it is stated that we are not A bank That they are not getting A credit Card from us that they must call and apply for A lower rate and they need to follow our instructions Example: Reviewing your credit report calling to apply.



Our customer service will always be there to assist you, guide you, make you happy. Refund You whatever the case may be. I have heard and seen the superviser doing A verification and the customer states Am I guaranteed? The reply that I heard 100% everytime was (NO, We can't guarantee that you will get this lower rate because we are not the bank or A lending institution). If the customer says " I do not want it" then guess what the customer does not get it. The questions that are asked to these people are 5 basic questions so that the sales rep is calling someone that has A higher probality of needing this service.I never saw anyone twisting someones arm to buy this service.



I remember they also included computer software with there products. One more thing I have met the owner of the company and he was the one that actually interviewed me. I remember him saying to me atleast 3 times in the interview that I must stay on the script word from word and I will make sales. He also said that people have no warnings. YOU LIE GOOD BYE NO QUESTIONS ASKED..



I also noticed that when I do A search on Premier Savings in Scottsdale AZ they have 50plus complaints from actual customers. When I do A search on this company I see 1 complaint from A customer in Florida that got her money back... The others are from x employees. I am glad I did not stay at the Premier Savings job or I might turn out like these x employees. I was A part time student needing A part time job and I am thankful that these people including the owner were up front, professional and flexible. Because now I am A full time student. I am A Business Major and will always look back and be thankful that someone waas nice enough to let me work around my studies...

When I read that appology I didn't beleive it for a minute. After all who would publish and appology after what was said in the first couple reports and set themselves up for a lawsuit. I would love to see the script. This one has got to be a duzzi. I am sure it is full of twisted verbage intended to mislead.



I'm glad to see you set the record straight.

THE PERSON WHO IS WRITING THE REPORT IS DUSTIN. THE REASON DUSTIN IS DOING THIS IS BECAUSE HE IS GETTING SUED BY THE OWNER BECAUSE DUSTIN STOLE OR SHOULD I SAY DOWNLOADED THOUSANDS OF LEADS AND TOOK THEM FROM THE COMPANY.



PLEASE SEE POLICE REPORT #2002-0U812..DUSTIN WAS A MANAGER LOL FOR ABOUT A WEEK HOWEVER INSTEAD OF MANAGING HE WAS TOO BUSY DOWNLOADING.



THIS IS THE TRUTH. THIS IS WHY HE WILL NOT SIGN HIS NAME AT THE BOTTOM AND INSTEAD HE SIGNS ROBS (PLEASE SEE VERY FIRST ARTICLE DATED 11-02.



HMMMM THE SAME TIME DUSTIN GOT FIRED. NOT ONLY IS DUSTIN AKA (WACKED OUT) GETTING SUED BUT THE PHOENIX POLICE DEPARTMENT ARE INVESTIGATING THE THEFT OF THE LEADS ALSO.



SO DUSTY WHEN YOU SAY THAT YOU WANT TO EXPOSE THE SCRIPTS AND REBUTTALS YOU BETTER MAKE SURE THEY ARE THE GREG GOMEZ ONES AND NOT YOUR MADE UP ONES.



Because if they are the ones that greg has then they are as clean as a bar of soap. DUSTIN HAS BEEN NOTHING BUT TROUBLE SINCE DAY 1.OH YEA NICE TRY ON THE TONYA ,ROB, GINO, VINCENT AND OH YEA DUSTIN. YOUR ONE STRANGE CAT.........

Now I know who the Mr. Anonymous is. My brother. I will not say his name. My name is Vincent Rivera. I still work for the company. The above disgrunt is my brother I got him A job and he did get fired because he could not close. (Kinda like the Car dealership, He could not close) They fired him there as well. That is why I was so nice to him to get him A job. Anyway bro you let me down. No wonder mom is so upset with you. I think I am going to take mom's advise and follow up with that restraining order... Vince..

Continued........



Hello is _________ available. Hi this is ________ with consumer protection publications. I was calling concerning your visa and master card accounts. No there is no problem. I was calling to see if we could lower your interest rate down to a lower fixed rate of ten percent or less.



That is how I was taught to read the script.



The enitire script is full of misleading statements and misrepresentations of the product.



Bill I am not a disgruntled employee. I left because I wanted to. You or Greg didn't fire me. As a matter of fact I was one of your most consistent sales people averaging 20 - 25 sales a week. No I wasn't Joseph who could find 30 or more people. Of course he didn't even use the script. I have worked for a major credit card issuer, in there credit department, I have also been a finance manager at a car dealership. I understand how credit works, and quite frankly, if you think anybody is going to sit here an believe that you market this book (thats all that it is) in a forthright manner you are sadly mistaken. Bill the other things I have mentioned. You cannot lie to a bank about the use of a merchant (credit card processing) account and get away with it. Using an account setup for internet transactions, for telemarketing is bank fraud. I know that you lost your other merchant account some time ago before I even quit. Well I seem to be just repeating myself. Bill your company is a scam, fraud, etc. Your days are numbered. The national do not call list will help with that. As well new laws currently under discussion in the U.S. congress regarding telemarketing will soon make you see the writing on the wall. One more thing my job was to educate people. COME ON!!! If I had educated these people ase to how credit actually works. That many factor including you debt to income ratio, paid or paid agreed acccount. Time that their credit file has been established. These people would not have bought your B.S. book. I have also heard bill that you had to raise the price. Thats very funny. As I said before I will soon post an email address for people to request copies of this companies scripts. I will also forward them to the A.G or Arizona for their continuing investigation. Hey Tonya, Dustin, Opie (John), Vincent, and everyone elso who left because of this companies practices. We made the right decision.



P.S. Bill your wifes strip club pretty much sucks. Oh yeah its the High Lighter in Phoenix.

Bill, Rob, Gino, Greg, Sudan.



First of all as the editor will verify. The person writing this response. Is the person who filed the orginal report on Consumer Protection Publications AKA FYI Consulting. Check my email address editor and verify. I used a fake name because I actual do not trust this company any farther than I could throw Bill. I have family that live in the Phoenix area. So whoever made the apology nice attempt to get this company off the hook.



Going on, If anybody would like copies of the script and rebuttals used by this company for their own review, I have them. Actually I have several copies of the nice lie packet that Greg Gomez put together for training new employees. I will post an email address where people can request theses documents at a later time.



I going to review what I've already said. First of all this company markets their finacial guide in a deceptive and misleading manner. The introduction itself is quite misleading. "Hello this is ___________

Hey Kansas, thank you for taking the time to list all of the AG's. In fact I have found my self at times telling people to contact the AG if its necessary. Whatever... I am calling about their credit cards. Yes or No!! I don't force anyone to do this. It is an educational program. They make a decision to purchase this information. Telemarketing for dummies...



Thank you Rob, Gino, Russ... A tisket a tasket...



Manager

Mary Ann, please do not be offended that I accused you of working in A Trash Bag Lightbulb room. I mean really its okay!! I was mislead. So Mary Ann your A phone sex operator. Wow I guess you make good money at that. Okay... Anyway do not be ashamed Mary Ann I guess you make A living. You must be really good at it. Good Luck. Oh yea, I need processing ask the professor to help me out...

I was actually A little mad when I posted my earlier comments about this company.. The truth is I was A manager then I got fired for not keeping production up. It was not my fault that I had reps that could not sale. I did lie in my earlier statements about the company being A scam. I also apologized to the owner for trashing this company. I was wrong so lets leave it at that..

Gino, no wonder you were fired. I have sold many things over the telephone but never light bulbs or trashbags. I didn't even know they were still selling those thing by telephone any more.



I have worked for many major credit card, insurance, phone, warranty, loan, and internet companies. I have worked with many people who would skirt issues or would change the subject if a customer would ask a question and the answer would be unfavorable. This is scamming, not lying. This makes a person deceitful, not a liar. Myself, I have never used these tactics. I am a excelent sales person and have always exceeded the expectations of the client.



If what Rob says is true, "Selling this book as if it is a done deal buy the book get the card with a low rate of 10% interest just select the bank you want to do business with. The opening pitch goes like this "HI this _____ with consumer protection publication I was calling concerning your visa and mc accounts." This is not necessarily a lie but totally deceiving. If the company is leading the customer to beleive that they will receive a credit card, then this is completly misleading and thus scamming. Even though no actual lie was used.



If the rep were to tell the customer that he was calling to help them find a credit card that would meet their needs by selling them this "book", that would be honest and straight forward. With the right leads, this product would sell (probably not at that price)especially if the rep took the opportuinty to educate the customer about credit cards and how they work.



If ANY part of Rob's original report is true, and I beleive there is a lot of truth to it, then this offer is deffinatly a scam.

Hey Rob your Rip Off Report has cough my eye because Credit is one of my specialties. I am sick and tired of con men Ripping off consumers when it comes to credit.



To all who think this company is a Rip Off. I am going to post some info that will help victims of this company.



If you like what I post and want me to go a bit deeper at helping you all expose this company, please request more help from

"The Great Thorn".



If you are a victim of this company no matter what state you are in read my idea. Call up your local AG's office listed below and ask them for their fax number.



Then print off one good clear "Printer Friendly Version" of your Rip Off Report and fax the whole thing to them.



Remember deceptive businesses hate the fact that they can't shut up the internet nor can they have a Rip Off Report deleted and I love it.



State Attorney General Phone



Alabama: Bill Pryor (R) (334) 242-7300

State House, 11 S. Union St. Montgomery, AL 36130

http://www.ago.state.al.us



Alaska: Gregg Renkes (R) (907) 465-3500

P.O.Box 110300, Diamond Courthouse, Juneau, AK 99811-0300

http://www.law.state.ak.us



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P.O.Box 7, Pago Pago, AS 96799

http://www.samoanet.com/asg/asgdla97.html



Arizona: Terry Goddard (D) (602) 542-4266

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Arkansas: Mike Beebe (D) (800) 482-8982

200 Tower Bldg., 323 Center St., Little Rock, AR 72201-2610

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California: Bill Lockyer (D) (916) 445-9555

1300 I St., Ste. 1740, Sacramento, CA 95814

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Colorado: Ken Salazar (D) (303) 866-4500

Dept. of Law, 1525 Sherman St., Denver, CO 80203

http://www.ago.state.co.us



Connecticut: Richard Blumenthal (D) (860) 808-5318

55 Elm St., Hartford, CT 06141-0120

http://www.cslib.org/attygenl/



Delaware: M. Jane Brady (R) (302) 577-8338

Carvel State Office Bldg., 820 N. French St., Wilmington, DE 19801

http://www.state.de.us/attgen



District of Columbia: Arabella W. Teal (interim) (D) (202) 724-1305

Office of the Corporation Counsel, 441 4th St., NW, Washington, DC 20001

http://occ.dc.gov



Florida: Charlie Crist (R) (850) 487-1963

The Capitol, PL 01, Tallahassee, FL 32399-1050

http://myfloridalegal.com/



Georgia: Thurbert E. Baker (D) (404) 656-3300

40 Capitol Square, SW, Atlanta, GA 30334-1300

http://ganet.org/ago/



Guam: Douglas Moylan (671) 475-3409

Judicial Center Bldg., Ste. 2-200E, 120 W. O'Brien Dr., Hagatna, Guam 96910

http://www.guamattorneygeneral.com/



Hawaii: Mark J. Bennett (R) (808) 586-1500

425 Queen St., Honolulu, HI 96813

http://www.state.hi.us/ag/index.html



Idaho: Lawrence Wasden (R) (208) 334-2400

Statehouse, Boise, ID 83720-1000

http://www2.state.id.us/ag/



Illinois: Lisa Madigan (D) (312) 814-3000

James R. Thompson Ctr., 100 W. Randolph St., Chicago, IL 60601

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Indiana: Steve Carter (R) (317) 232-6201

Indiana Government Center South - 5th Floor, 402 West Washington Street, Indianapolis, IN 46204

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Iowa: Tom Miller (D) (515) 281-5164

Hoover State Office Bldg., 1305 E. Walnut, Des Moines, IA 50319

http://www.IowaAttorneyGeneral.org



Kansas: Phill Kline (R) (785) 296-2215

120 S.W. 10th Ave., 2nd Fl., Topeka, KS 66612-1597

http://www.ink.org/public/ksag



Kentucky: Albert Benjamin Chandler III (D) (502) 696-5300

State Capitol, Rm. 116, Frankfort, KY 40601

http://www.law.state.ky.us



Louisiana: Richard P. Ieyoub (D) (225) 342-7013

Dept. of Justice, P.O.Box 94095, Baton Rouge, LA 70804-4095

http://www.ag.state.la.us/



Maine: G. Steven Rowe (D) (207) 626-8800

State House Station 6, Augusta, ME 04333

http://www.state.me.us/ag



Maryland: J. Joseph Curran Jr. (D) (410) 576-6300

200 St. Paul Place, Baltimore, MD 21202-2202

http://www.oag.state.md.us



Massachusetts: Tom Reilly (D) (617) 727-2200

1 Ashburton Place, Boston, MA 02108-1698

http://www.ago.state.ma.us



Michigan: Mike Cox (R) (517) 373-1110

P.O.Box 30212, 525 W. Ottawa St., Lansing, MI 48909-0212

http://www.ag.state.mi.us



Minnesota: Mike Hatch (D) (651) 296-3353

State Capitol, Ste. 102, St. Paul, MN 55155

http://www.ag.state.mn.us



Mississippi: Mike Moore (D) (601) 359-3680

Dept. of Justice, P.O.Box 220, Jackson, MS 39205-0220

http://www.ago.state.ms.us



Missouri: Jeremiah W. Nixon (D) (573) 751-3321

Supreme Ct. Bldg., 207 W. High St., Jefferson City, MO 65101

http://www.ago.state.mo.us



Montana: Mike McGrath (D) (406) 444-2026

Justice Bldg., 215 N. Sanders, Helena, MT 59620-1401

http://doj.state.mt.us/



Nebraska: Jon Bruning (R) (402) 471-2682

State Capitol, P.O.Box 98920, Lincoln, NE 68509-8920

http://www.nol.org/home/ago



Nevada: Brian Sandoval (R) (775) 684-1100

Old Supreme Ct. Bldg., 100 N. Carson St., Carson City, NV 89701

http://ag.state.nv.us/



New Hampshire: Peter Heed (603) 271-3658

State House Annex, 25 Capitol St., Concord, NH 03301-6397

http://www.state.nh.us/nhdoj



New Jersey: Peter C. Harvey (acting) (609) 292-8740

Richard J. Hughes Justice Complex, 25 Market St., CN 080, Trenton, NJ 08625

http://www.state.nj.us/lps/



New Mexico: Patricia A. Madrid (D) (505) 827-6000

P.O. Drawer 1508, Sante Fe, NM 87504-1508

http://www.ago.state.nm.us



New York: Eliot Spitzer (D) (518) 474-7330

Dept. of Law - The Capitol, 2nd fl., Albany, NY 12224

http://www.oag.state.ny.us



North Carolina: Roy Cooper (D) (919) 716-6400

Dept. of Justice, P.O.Box 629, Raleigh, NC 27602-0629

http://www.jus.state.nc.us



North Dakota: Wayne Stenehjem (R) (701) 328-2210

State Capitol, 600 E. Boulevard Ave., Bismarck, ND 58505-0040

http://www.ag.state.nd.us



Northern Mariana Islands: Ramona V. Manglona (670) 664-2341

2nd Floor, Honorable Juan A. Sablan Memorial Bldg, Capitol Hill, Saipan, MP 96950





Ohio: Jim Petro (R) (614) 466-4320

State Office Tower, 30 E. Broad St., Columbus, OH 43266-0410

http://www.ag.state.oh.us



Oklahoma: W. A. Drew Edmondson (D) (405) 521-3921

State Capitol, Rm. 112, 2300 N. Lincoln Blvd., Oklahoma City, OK 73105

http://www.oag.state.ok.us



Oregon: Hardy Myers (D) (503) 378-4732

Justice Bldg., 1162 Court St., NE, Salem, OR 97301

http://www.doj.state.or.us



Pennsylvania: Mike Fisher (R) (717) 787-3391

Strawberry Square, Harrisburg, PA 17120

http://www.attorneygeneral.gov



Puerto Rico: Anabelle Rodriguez (787) 721 7700

P.O.Box 9020192, San Juan, PR 00902-0192

http://www.justicia.gobierno.pr



Rhode Island: Patrick Lynch (D) (401) 274-4400

150 S. Main St., Providence, RI 02903

http://www.riag.state.ri.us



South Carolina: Henry McMaster (R) (803) 734-4399

Rembert C. Dennis Office Bldg., P.O.Box 11549, Columbia, SC 29211-1549

http://www.scattorneygeneral.org



South Dakota: Larry Long (R) (605) 773-3215

500 E. Capitol, Pierre, SD 57501-5070

http://www.state.sd.us/attorney/attorney.html



Tennessee: Paul G. Summers (D) (615) 741-5860

500 Charlotte Ave., Nashville, TN 37243

http://www.attorneygeneral.state.tn.us



Texas: Greg Abbott (R) (512) 463-2100

Capitol Station, P.O.Box 12548, Austin, TX 78711-2548

http://www.oag.state.tx.us



Utah: Mark Shurtleff (R) (801) 538-9600

State Capitol, Rm. 236, Salt Lake City, UT 84114-0810

http://attorneygeneral.utah.gov/



Vermont: William H. Sorrell (D) (802) 828-3173

109 State St., Montpelier, VT 05609-1001

http://www.state.vt.us/atg



Virgin Islands: Iver A. Stridiron (D) (340) 774-5666

Dept. of Justice, G.E.R.S. Complex 48B-50C Kronprinsdens Gade, St. Thomas, VI 00802



Virginia: Jerry Kilgore (R) (804) 786-2071

900 E. Main St., Richmond, VA 23219

http://www.oag.state.va.us



Washington: Christine O. Gregoire (D) (360) 753-6200

P.O.Box 40100, 1125 Washington St., SE, Olympia, WA 98504-0100

http://www.wa.gov/ago



West Virginia: Darrell Vivian McGraw Jr. (D) (304) 558-2021

State Capitol, 1900 Kanawha Blvd. , E., Charleston, WV 25305

http://www.state.wv.us/wvag



Wisconsin: Peg Lautenschlager (D) (608) 266-1221

State Capitol, Ste. 114 E., P.O.Box 7857, Madison, WI 53707-7857

http://www.doj.state.wi.us



Wyoming: Pat Crank (D) (307) 777-7841

State Capitol Bldg., Cheyenne, WY 82002

http://attorneygeneral.state.wy.us



by the way to all that read this. If you are a Victim of the above reported company, I urge you to file your own Rip Off Report. Doing this only helps us expose them even faster.

Food For Thought,



Listen Mary Ann, I thought that The Skipper and the professor explained too you that were not selling trash bags and light bulbs here honey. Big difference!!! Sounds to me that you are in the dark ages with your scam lie issue. I think you should stick with your OOOOHHH I am disabled trash bag lightbulb job and sale some more units.Oh yea, tell Ginger hi for me.... Bye Bye...Oh yea I need processing help me out Mary Ann......... Food For Thought....

Scam or lying whats the difference? You can read it as many times as you want to... it still means the same thing. Misrepresenting what you are offering is scamming. It is also lying. Why? Because you are not being honest about what you are offering. Don't kid yourself.

William, you apparently did not read my submission careflly or read your own beleifs into what I stated. I said,"The main reason most telemarketers are paid hourly is so they won't scam to get a sale." I never said lie. There are many ways of scamming without lying. Simply put, the way a phrase is worded can lead the person hearing it to beleive it to mean one thing, when actually it means the opposite. That is SCAMMING. This is not really lying, just being dishonest, because your words were intended to mislead.



Next time, don't project your ideas into what I wrote. That way you won't let your hidden agenda show.

Again, need I mention that know has taken me up on looking into their own bank regarding BBB letters. Folks, they are just a complaint center unlike the people at Ripoffreports.com, they help consumers and go after the authorities to get them to go after bad comanies or individuals... and, You are welcome.

I am a Manager. Now I know that Gino would not admitt to being a pedifile. Is that how you spell it? Nice job on capitalizing the letters every now and then. Kind of like a kid. That is your preference...



A more serious response to the lady about hourly vs. commission. Wrong. Straight commission does not make people lie. People make people lie. I borrowed that line from a song. (Words are a little different). Furthermore people make the choice to lie. I don't allow it here. I terminate them if they can't present the information in the correct manner. If you are that weak minded to believe that commission will make someone lie, then that says a lot about you. I am not saying it doesn't happen. I just get rid of them. Our calls are monitored. Where's B.A. Anyone heard from him Russ???

I have been in telemarketing for the last 7 years. I find that most reputable telemarketing firms pay their employees an hourly wage and not commission. From both of your statements it appeares that CPP pays commision only. The main reason most telemarketers are paid hourly is so they won't scam to get a sale. Some companies offer bonuses or incentatives for meeting or exceeding goal but not staight commission.

Not to mention "GOAL" is usually not just sales but quality as well.



Rob, you were smart to get out. The way I see it your job was not to inform the customer but to confuse. Anyone who understands their credit would not need a book full of banks that issue credit cards. I see this everyday in my e-mail. "Join......and we guarantee you will be approved for a credit card. Have the banks competiting for your business". Hog Wash!



Just one final point. A "Preapproved" offer is just that. "Preapproved". The only way a preapproved offer can be declined is when the company runs your credit you have filed bankruptcy or have had a judgement entered against you or you have become seriously delinqent with all you accounts since the time they had received your name as meeting the inital criteria. The only thing running your credit is suppose to do is help the bank set your credit limit. This is why nearly all offers are sent out "Pre-selected". If your are "preapproved" it usually mean it will cost you a huge fee or its a secured card.



Just a little food for thought.

I was A proud employee of this company and I was A veRy HHAARRDD worker. I deserve the respect that I have earned. In response to the last comment about people getting fired I just had to respond. I was fired from this BiLL MaNaGeR IN cHANDLER. (NOTICE MY UPPER CASE LOWER CASE). Now help me to understand something. WhY would you FiRe me for lOoKiNg oN ThE iNteRnET at WORK? DiD I OfFeNd soMEOnE. I Am vErY HurT...

Well Russ or ROb whoever you are. Exactly. YOu finally did figure it out. I have fired many people who made me a lot of money, but the problem was, they couldn't do it the right way. You can correct it and correct it, but if they think lying is the answer, they won't work for me. The Manager

Oh my I have been caught. Well what can I say. Now I have figured it out. Billy says that was my job. Well now I see why I made no money. I had no idea what my job was. Like I said I figured this out. Hi Tanya. Dustin says crack kills. Oh my what does all this mean. CONFUSED!! You are 100% correct Bill, OH I MEAN MANAGER.. I like sitting behind my computer. It's so nice to be able to find someones IP ADDRESS. Hmmmm. This company has A 16 year track record. Oh my I forgot complaints over at the B.B.B. Give me A break!! The only reason A customer would complain is because they do not have enough common sense to pick up their telephone and dial An 800 number that links directly to the company that they have an issue with to resolve their complaint. Oh yea that is right RESOLVE THEIR MOAN. I saw it every week on my check. CANCELS AND RETURNS!!! That is how A company stays in business. The only problem that I see with this company is they have alot of disgruntled losers that have either gotten fired or quit because of 1 reason. (THEY COULD NOT DO IT THE RIGHT WAY)... Oh my look at the time well I gotta go now too much excitement for me sitting behind my computer at 1:00 in the morning.

ROB,



I FAILED TO MENTION THIS EARLIER IN MY REBUTTAL.

ROB, WHEN BANKS MAIL OUT THEIR PRE-APPROVED

OFFERS, THEY ARE REFERRED TO AS BLIND MAILERS.

THE CRITERIA THAT THEY MUST MEET TO RECEIVE SUCH

MAILER DOES NOT GUARANTEE THEM A CREDIT CARD

OFFER. YOU KNOW THAT. JUST QUIT WHILE YOU ARE

BEHIND.

Rob,



This is directed at you and you alone. You state in your second note that you could not promote this information to someone who doesn't understand their credit. What do you think your job was? That was your job. To educate consumers. After all that is what we do.

Rob,



You silly little boy. First off you need to stop sitting behind your computer at 1 in the morning. You know as well as anyone else we do not target elderly people. Oddly enough why can't you state these concerns to me in person instead of hiding behind a computer. I am waiting. You need to grow up and go work for your daddy's insurance company. Furthermore, you also know that every person after agreeing to purchase our information (since that is all we represent it to be) is verified by someone else so that there are no misunderstandings. We do not represent ourselves as a bank nor a lending institution. I will see you in court for slander. Go find an hourly job.

This is the second report that I am submitting about this company. I am not a disgruntled employee as Mr. Bill Crosby would like people to think. I left this company because I couldn't sit at a computer screen and take money from elderly people or people who just don't understand how credit works. A true preapproved offer for a credit card will come to you directly from the issuing bank. These are generated by submitting a request to one of the three major credit bureaus for list of people who have a certain amount of income have atleast one paid as agreed credit account and usually an auto loan or home loan. The bank then takes this list and mails out preapproval offers. You fill out the application giving the bank your okay to pull your complete credit file. Then it has to go through final approval. The bank will usually determine your credit limit based on what your income is yearly. As well based on a mathematic formula they subtract out all your expenses that you must pay monthly, and any outstanding or usuable credit you already have. Other factors such as reported delinquencies or other negative marks (judgments, tax liens, charged off accounts not matter when, etc..)also play a key roll in determining how big a credit line you get as well what interest rate. The key verbage in this companies presentation is that "YOU ARE PRE-APPROVED TO APPLY" This covers their butt, because everyone can apply for an account. Trust me on this one point the questions that they ask you are know where near enough information for any bank to make a credit decision, especially one's supposedly offering a fixed rate of 10% or less.



Here is some more information. I know many people who look at this website don't trust the BBB but pull a report on this company from their website and just read it for yourself. Mr. Crosby why don't you address what I said in my first statement. "I have personally contacted several of these banks some do not even nor have they ever offered the rates quoted in this "finacial guide." Furthermore you are currently under investigation by the Attorney General of Arizon (you may not be aware of it) also the IRS is investigating you. Just a little hint taking 8% of a paycheck pretax. You might want to go ahead and start shredding your finacial records before the bust down the door to your home. How do I know this? They interviewed me when they started their investigation. Mr Crosby all of the banks that you list in the Finacial Guide have not given their permission to be included or for you to make any offers on their behalf.



To the person who almost got scammed. This company buys what is reffered to as "lead lists" I can tell you for sure that they have nothing in this companies cas to do with your credit report. Mostly the list are names of people who have used their credit card for a purchase over the phone or for something off of t.v.



RESPOND MR CROSBY

FIRST OF ALL ROB IS STILL AN

EMPLOYEE OF MINE. HALF OF THE TIME THESE

COMPLAINTS ARE GENERATED BY DISGRUNTLED

EMPLOYEES.



WE ARE CONSISTENTLY STRIVING TO PROVIDE THE BEST POSSIBLE SERVICE TO OUR CLIENTS. HAVING BEEN IN BUSINESS FOR NEARLY 16 PLUS YEARS, THAT SHOULD SAY SOMETHING.



I HAVE LOOKED UP SEVERAL OF THESE SO-CALLED COMPLAINTS GENERATED BY INDIVIDUALS AND ODDLY ENOUGH THEY NEVER SEEM TO BE IN MY DATABASE.



BOTTOM LINE WHY DON'T YOU PRINT THIS REBUTTAL? I HAVE RESPONDED SEVERAL TIMES AND NOT ONCE HAVE YOU PRINTED THIS INFORMATION. SO WHAT'S IT GOING TO BE!!!?!?!?!?

I was contacted the other day by someone who identified themselves as my Visa/MCard Company.

They asked me a series of questions (yes or no answers) and then told me I was pre-qualified and someone would be contacting me.



Today I received a call from John Arnelli (?) saying that I qualified, blah blah blah, the fee is $397 which can be charged to my old credit card then transfered. Right. Luckily I had some common sense when he asked for my credit card number. I told him I don't carry it on me, and he asked when a better time to call was. I told him after 6pm. Since I am in marketing at a publishing company, I thought it over after I hung up. My suspicions were correct- this was a Publishing company trying to scam me out of a order. I got on the web and found this site and I am relieved that I didn't give out my info.



When he calls later I think I may tell him off.