866-273-1770

got call from 866-273-1770 who claimed to be with credit card services from Smith Associates ogc, a company that seeks to lower consumer credit card interest.

Rec'd a call from  the merchant United One to set up  a plan to reduce my Credit card debts., in which they stated they checked on my balances to make sure I qualify for their program.  Also stated they would be taking out $489. from the CC, for the services provided .  Is this a legitamite company.  I was sent paperwork to sign and send back to start the process?  The program is called"  The Family Life  and Savings Plan."

This is a legitimate offer.  I just got my CC's lowered to Zero percent for 36 months.

I wouldn't touch it with a 20 foot pole.

These people told me they could lower my credit cards interest rates to under 6% for 1,198.00 dollars. They said their name was United Finance Services. The phone number was also 866-273-1770. I signed their document on line at DocuSign. I canceled this transaction with my credit card. Shortly afterward a charge showed up on one of my bank cards that I did not charge. I am disputing both charges. I thought this was legitimate until I called my credit card companies. They said that they do not have an alliance with these people and they can not lower my interest rates. They will just take your money. I feel so bad that I fell for this and now I filed a fraud alert. They also got my ss number , date of birth, codes on back of credit cards and account numbers, phone numbers, etc. I should have known better. I just hope I can stop this and they get caught.

Steve what happened to you regarding this number?

Linda,

I got a call from this very same group today.  May I ask if you have had any success resolving this matter?  I have not signed any documents and, after reading your post, I may just put a hold on my credit card.  They gave me the same line they gave you only the fee is $498 because I'm in such "good standing" with my payments.

To all concerned, I have traced this company to a fictitious name in Florida called  Smith & Associates OGT.  The company's real name is Great Soul Investment Corp.  On the phone, they identify themselves as United Financial Services and attempt to charge your card under the name United One.  If you'd like to look up the fictitious name, you can run a search under FL Dept of State.  This group does NOT have a relationship with over 500 banks, they are NOT rated by the BBB and I have been unable to locate an SEC registration.  The information they tell you over the phone is not only a scam, but constitutes fraudulent misrepresentation, a criminal act.  I hope anyone who reads this finds it helpful.  If you have given them your account information, I encourage you to close your account and have the bank re-issue your card with a different #.

Mr.  Joe,
Did you have any luck finding out where Great Soul Investment Corp Is located? My H. fell for it and we try to get $2000 back. So far no luck. Will try to contact the Attorney-General, but have to know in what state the above company is located.
Any help is welcome

Received a call from 866-273-1770.  They said they were United Financial and they could guarantee me a lower interest rate of 6.9 or lower on my 1 and only credit card.  Impossible, I as a consumer have just as much clout with a CC company.  Granted I was sick and coming out of a nap when they called.  They charged my card $1,500.00.  I forgot this ever happened till i received a call from them, a week later, trying to set me up for an appointment over the phone.  Told them I wanted to cancel.  They talked and beat around the bush till I finally agreed to a phone consultation. They also sent me a welcome package with a contract in it.  Package looked like it was done by a Kindergartner. Prior to the consultation, I called them back and again, with more determination, told them I wanted to cancel.  Spoke to a Michelle Carter, after holding for 30-40 minutes.  I had to electronically sign the contract and a cancellation letter in order for a refund to be processed.  Didn't want to sign the contract, but was brow beat and told it was the only way to get a cancellation.  Called a week later to check on the cancellation.  Was told it was refused because wasn't  within the first 72 hours.  Go figure.  They kept saying the only option I had was to let them try and lower my interest rate.  I have now disputed the charge with my CC company.  Hope I get my money back.  Red flag after red flag, boy do I feel stupid.  Don't get taken by this company.   Referred to as Smith & Associates over phone.  Family Life and Savings Plan brochure included with welcome packet.  Billed on my CC as UNITEDONE 1.

It cost me $1,500. I have called several times in the morning and at night to no avail just left messages or els the voice box says is full can not take any more messages. I am very sure I am out the money.

Admin Edit: "It's a SUSPECT message!"
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I'm glad to see someone else feels the way I do. This company has really changed my life. At first i was scared and wanted to cancel because my bank told me that no one can lower my rate and when i spoke with a women by the name of Michelle Carter she changed my mind and I thank god every day bc i owed around 68k with crazy rates. She got me to an advisor right away because i wouldn't wait. I can't believe all that i owed was brought down to a 6.24%...Did i think it was possible,no..My bank told me it wasn't. However I'm so grateful so Terry me and you both are success stories that needed to be shared

Are you sure her name wasn't "Rachel from Cardholder Services"?

Of course your glad, providing a service that folks can do for themselves and pocketing the fees all while doing nothing..

Waste of peoples time and money!

Admin Edit: "It's a SUSPECT message!"
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I worked for the company I am on a leave right now. This is a real company and real program. anyone that says its not must not have went through the whole program. Like all things it takes time. for the man that said you could do it yourself, go a head and try and tell me what new rate you get. there are companies out there that are not real but this one does service clients and if they cant show a savings they will refund the client. each person pays a different enrollment amount because its based off total debt and standing. people that go through the program and work with the financial adviser they will see a difference. Of course the bank will tell you that they don't work with companies like ours do you think they want you to get a lower rate? no they are making money off you. You are a profit,,so yes you pay someone to help you get on track its an investment into your financial life!!! If they wanted to scam people they would charge more than you authorized, and wouldn't answer the phone again. If you call that number someone always answers. On top of all that you guys all went through a voice recording agreeing to the terms,, than another verification where you got your appointment time, and signed paperwork. None of you were tricked into the program you did it because you need the help.

Admin Edit: "It's a SUSPECT message!"
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Gregg you got a lower rates, you never called your Adviser to complete your transfers . We also pulled your credit and disputed somethings off your credit which has increased your score by 15 points and thats just in the first 30 days.

This company is legitamite and returned my calls to handle questions about  the program.

Uh huh! LOL! I smell something familiar..  Oh look, its a shill!

If you called them they returned the call only because they know they have a live sucker on their hands and they're getting ready to take you for every penny they can.

How can you think anyone would be dumb enough to fall for this? You don't even know who "Gregg" is.