Credit Card Financial Services Credit Services Guaranteed to reduce credit to 6.9% but changed my mind they threaten me to collections for their fee Valley cottage New York

1)I received a marketing call from a recording that I qualify to reduce my credit card.

2)Talked to 3 different people stating they have relationships with lenders/credit card companies where they can guarantee 6.9%.

3)They would collect payment after services were rendered (even stating after it reflects on my credit card statement) and even guarantee refund of the money

4)They slowly collect the card number you ware interested in for them to negotiate.  I decided to give them the AMEX because I had hear on the phone with them to see what magical words they would get AMEX to agree to a 6.9%.

5)They also ask for your address and last 4 digits of your social 

6)Each of the 3 different people kept repeating would I pay for their services (1 time fee spread over 5 payments).  I said only if they could reduce to 6.9% and it was in writing from my credit card statement.  One of them wanted to record it for my protection and I stated the same..only if my credit card statement reflected the change.  By the way, their fee was for unlimited cards.

7)As soon as Amex phone service there was a 4 min hold time they wanted to hang up and not be on the phone on hold which I didn't understand.  As soon as I started asking for their address and phone numbers and I couldn't take up more time on the phone (been 30 mins now), an Eric Mendez threaten now to collection agency to collect their fees because I said Yes I would pay on a recording.

8)I stated services were not rendered and wanted to talk to his manager.  I hung up because now I know I was scammed.  They called me back several times and left a recording that I will use against them.

9)Just Hang up!!  

10)I called Amex and they are sending me a new card number and will alert their fraud department regarding this company's practice.

11)The names of the individuals are Kevin Ferrer (x4805..the number he gave me was out of service), Eric Mednez 866-456-1672 x 618 and George Harris 866-449-6499.

12)I'm reporting this company to the New York attorney office and FTC.   Also getting a lawyer to find out the real company name and owner.