Credit Card Financial Services Offered to reduce my APR on two highest credit cards to 6.9% or lower for the life of the cards without affecting my credit and turned around and ran my credit to apply for a new card without my knowledge. Valley Cottage New York

I've been scammed. I know better than to answer these calls! I was offered a deal to reduce my APR on two of my highest cards to 6.9% or lower for the life of the card. There was a savings of $3,700 and it would not affect my credit in any way. The only catch was the fee of $894 to be split into 5 payments of $178.80. They agreed to let me space the payments out and not make them monthly (otherwise I 1. wouldn't be able to do it, and 2. wouldn't be in the mess I'm in financially in the first place if I could afford the extra $200 monthly payments.) They got me to agree to these terms and recorded ONLY THIS PART of the coversation, and then transferred me to a "financial advisor" to complete the process. 

The financial advisor then calls the first creditor to verify balance information, etc. meanwhile she's applying for another card without my knowledge. She then tells me I'm eligible for a $10K credit line with another company with 0% APR for the first year. I argued that this sounded like a simple balance transfer and that I didn't need to pay $894 for something I could negotiate myself. She stated it was a "management" account I couldn't get on my own. It was too late. I couldn't get out of it. THEN when I got the card offer in the mail, it was a 0% for 9 months and then switched to 23.99% interest afterward HOW IS THAT A DEAL? 

I called back to cancel, left messages for both representatives I spoke to because I couldn't get through. Then I got a letter in the mail from the credit card company's fraud department stating they thought someone was attempting to open an account in my name fraudulently. I cancelled the card and when CCFS called back to verify I'd received the card (a scheduled call) I told the manager I had not and that I wanted to cancel everything. THEY STILL WOULDN'T LET ME OUT. I guess at this point my only recourse is to close my bank account that I've had open forever and hope for the best. Lesson learned. I hope this gets out to anyone and everyone to avoid others from the headache I'm dealing with. NIGHTMARE!!