NACS Preferred Merchants & LGS Liberty Group Services here are the names aliases and addresses behind this ripoff corruption St.Petersburg Florida

I would like for any consumers having complaints to contact this office. I am an investigator looking into the activities of this company and an apparent credit card advance scheme through telemarketing activities. You may email me with your information and/or file a complaint by accessing the form on our website. I am:
Laura Royal
Financial Criminal Investigator
Office of Financial Regulation, Bureau of Investigations
1313 Tampa Street, Suite 615,Tampa, FL 33602
813-272-2565/Fax 813-272-2498
Email: LROYAL@dfs.state.fl.us
www.fldfs.com

I fell into liberty mutuals trap just trying to
do something good for my family; thought I could
afford to have a good christmas, once I found out
that I was recieving catalogues with my new credit card I immediately called L.G.S. and asked them If the catalogues were the only place I could use my credit card the lady on the phone told me "oh no we just send you the catalogue as a kind of bonus, you can use the card for what ever you want" so I asked her "so It's just like a normal credit card" and "yes" I recieved in response.

When I recieved my credit card package in the mail I noticed no visa\mastercard logo and immediately called them back they tried to play back my original "agreement" I told them I was misled, their catalogue is full of a bunch of imported junk etc. etc. and that if they could pull up my original "agreement" then pull up the conversation I had with the lady telling me I could use my card for whatever just like a regular credit card, what a bunch of crap, 300$ they took, I have a wife and two kids, I'm a full time student, and can barely afford to live, I hope they have a wonderful Christmas.

How can all these representatives live with themselves? They know what their doing.

I fell into liberty mutuals trap just trying to
do something good for my family; thought I could
afford to have a good christmas, once I found out
that I was recieving catalogues with my new credit card I immediately called L.G.S. and asked them If the catalogues were the only place I could use my credit card the lady on the phone told me "oh no we just send you the catalogue as a kind of bonus, you can use the card for what ever you want" so I asked her "so It's just like a normal credit card" and "yes" I recieved in response.

When I recieved my credit card package in the mail I noticed no visa\mastercard logo and immediately called them back they tried to play back my original "agreement" I told them I was misled, their catalogue is full of a bunch of imported junk etc. etc. and that if they could pull up my original "agreement" then pull up the conversation I had with the lady telling me I could use my card for whatever just like a regular credit card, what a bunch of crap, 300$ they took, I have a wife and two kids, I'm a full time student, and can barely afford to live, I hope they have a wonderful Christmas.

How can all these representatives live with themselves? They know what their doing.

I fell into liberty mutuals trap just trying to
do something good for my family; thought I could
afford to have a good christmas, once I found out
that I was recieving catalogues with my new credit card I immediately called L.G.S. and asked them If the catalogues were the only place I could use my credit card the lady on the phone told me "oh no we just send you the catalogue as a kind of bonus, you can use the card for what ever you want" so I asked her "so It's just like a normal credit card" and "yes" I recieved in response.

When I recieved my credit card package in the mail I noticed no visa\mastercard logo and immediately called them back they tried to play back my original "agreement" I told them I was misled, their catalogue is full of a bunch of imported junk etc. etc. and that if they could pull up my original "agreement" then pull up the conversation I had with the lady telling me I could use my card for whatever just like a regular credit card, what a bunch of crap, 300$ they took, I have a wife and two kids, I'm a full time student, and can barely afford to live, I hope they have a wonderful Christmas.

How can all these representatives live with themselves? They know what their doing.

I fell into liberty mutuals trap just trying to
do something good for my family; thought I could
afford to have a good christmas, once I found out
that I was recieving catalogues with my new credit card I immediately called L.G.S. and asked them If the catalogues were the only place I could use my credit card the lady on the phone told me "oh no we just send you the catalogue as a kind of bonus, you can use the card for what ever you want" so I asked her "so It's just like a normal credit card" and "yes" I recieved in response.

When I recieved my credit card package in the mail I noticed no visa\mastercard logo and immediately called them back they tried to play back my original "agreement" I told them I was misled, their catalogue is full of a bunch of imported junk etc. etc. and that if they could pull up my original "agreement" then pull up the conversation I had with the lady telling me I could use my card for whatever just like a regular credit card, what a bunch of crap, 300$ they took, I have a wife and two kids, I'm a full time student, and can barely afford to live, I hope they have a wonderful Christmas.

How can all these representatives live with themselves? They know what their doing.

I recieved a call through a telemarketer telling me i was approved for a visa or masteercard with no deposit or up front fees. at the end of the conversation they needed a check in the amount of $125.00.keep in mind this happened febuary of 2004.I never recie3ved the card or any goods since then. I opened up my bank account statement to find a netchex payment made April 22,2004 in the amount of $125.00. I never authorized this payment.Now I Have to close my bank and open another bank account.DO NOT USE THIS SERVICE. It is a scam. George Cesar

Apparently I applied and was debited $200 for an LGS Credit card back in October of 02. I never received the card and assumed I was ripped off. Last week I looked on my checking statement and showed a debit of 33.00 with a customer service number. I called it and questioned the charge only to get hung up on three times. They told me the charge was for inactivity. I told them this was BS and that I wanted all of my information resent to me so I can see what the agreement was, since I never received it in the first place. I'm still waiting for them to send it to me. I've sent them emails only to come back failed. I'll be changing some checking account information ASAP now.

i received a phone regaurding a visa account, was told no anual fee's and no money up front. At the end of the conversation i was told there would be a one time fee off three hundred dollars. By this time they already had my account number. I called back 8 days before the transaction was to be made and canceled the transaction and recieved a ("cancelation number"). low and behold my account was hit with a $35.00 electronic deduction. now i have to pay bank charges included after they where told the funds would not be available. i called on 5/10/04 to find out about this and was told the computers were down (how convienient) as was told to call back the next day. i called on 5/11/04 and gave the cancelation number again and was told the same thing, the computers were down and to call back tomorrow.
i've tried to rectify this with lgs and had to put a stop payment on them, which also cost me bank charges.

They will then talk you into giving your account numbers to them. The next thing they will do is play you a recorded message and ask if you understood it. However there will be approx 10 secs of silence. They then ask you to verify you information and wether or not you agree to the charges. They tell you that your information will be mailed to you at which time you will be able to choose either a MASTERCARD or VISA. A month or two later you will get a package with a catalogue and a "CREDIT CARD". When you call they will play back you recording. This is where the afformentioned 10 seconds comes in. When they play this back it will say "Liberty group services is a catalogue order account this is not for a VISA or Mastercard". they will then tell you that your $250 deposit is non-refundable. Their supervisor is always busy with another customer. They say they cannot place you on hold and they will not wait. They then ask you if there is anything else they can help you with. It doesn't matter what you say at this point all they will say is "is there anything else I can help you with".

This company is a total fraud with some good equipment. If you are thinking about doing this DON'T if you already have GET TO YOUR BANK IMMEDIEATLY.

GOOD LUCK