866-627-9325

Really?  I work for MBNA Mastercard and clearly you are mistaken.  I am the "20 something year old custom service rep" but let me tell you, I do know quite a bit about what is going on in the bank.  I make a decent salary and I do have a college education to my name.  You have no problem slamming the professionalism of bank employees, yet whenever I get one of your reps on the phone I am less than impressed at the manner in which you address both me and my client.  Gum smacking, chatting with your co-workers, calling clients by their first name, the list goes on.  As far as I can tell, this "service" that you provide is based on misinformation and misleading people.  I have been on those 3-way calls you make to our bank and you try to tell the customers that you "work with the bank" and when I advise my customer that NO, we are not affiliated, they always sound confused.  When you call us, you speak with customer service.  Do you really think you speak to some special department that will happily lower interest rates because some company that we are not associated with calls them?  You're sadly mistaken.  I tell each and every one of my customers who asks about it that we are NOT associated with you, and that they are completely welcome to discuss their rates and product options with us FOR FREE!

I was a victim of this scam.  They called with a123-456-78900 number first, which when you pick it up and listen, you press 1 to get to an operator. That operator tells you that they can lower your credit card interest rates. LIE #1.  If you are a sucker, you agree to listen and they transfer you to another operator, in my case, her name was Jenna. She told me they were an american credit debt reducing service that worked directly with the bank to get them to lower your interest rates. BIG LIE #2  Stupidly I agreed to the service and they charged my credit card 800 bucks. Did nothing at all but send me a bunch of computer generated pay schedules and a book on how to talk to your credit card company.  They also record your agreement to the charge so that you cant dispute it with your credit card, so you are screwwwedd. Not only that, but they now have a credit card number and your pin on the back.  Now you are out your money, and they have your info.  Bad news.  After I started doing a bit of research, I found lots of negative hits on Mutual Consolidated Savings and started to make a stink. I called the Better BUsiness Bureau, called the police, called my bank, they told me they were getting hundreds of complaints about MCS and could do nothing as I had agreed on a recording to the charge.  They also confirmed that they did not negotiate interest rates with third parties. I called my phone service, and I repeatedly called MCS to complain. Each time I got a different operator because the person I had spoken to was out to lunch, stepped out, etc.  I spoke to Jenna, Kim, Karen, Colby, Rachel, Jennifer, Jessica, Mandy, Penny.. etc.  I finally decided to scam the scammers and sent a lawyers letter by fax to the company which stated that we were in possession of transcripts of their promises and had recorded all these calls ourselves. If the charge on the credit card was not reversed immediately, we would publish the names, dates and phone numbers and extensions of each client representative and each false promise or outright lie told in blogs, internet chat rooms and in the newspaper.  I was sent a letter in the mail agreeing not to discuss what had happened in return for my money returned.  I didnt sign it.  Two days later, another client rep called to discuss my concerns. I asked her to hold on and pressed my  #3 button, and said OK, go ahead.. she said, what was that... I said, im recording our conversation as per my lawyers instructions.  SHe put me on hold and transferred me to a supervisor who advised that despite the fact that they were under no obligation to refund my money, they would as they did not want me to be unhappy with the service.  My money was refunded the next day back onto my credit card and I immediately called my credit card company and had the card cancelled and reissued so that they couldnt dip into my account some time in the future.

You think its a scam?  It sure is.  You think they take advantage of people that are in financial trouble?  They absolutely do!  Im a client, and it happened to me.  Only by outscamming the scammers did I manage to get my money back. Thats one for the good guys.

Dear MCS EMPLOYEE.....For your information I called the Bank and the Lender and they told me flat out that the call that I received from your company was fraudulant.  I also checked you out on BBB and your rating is C- Lots of complaints.  When the woman who called me asked for my 7 #'s on the back of my credit card I told her NO WAY!!!  She proceeded to tell me that she already had these #'s and she just wanted to verify.  I told her that if she had the #'s she needed to tell me them and I would tell her if they were correct or not.  She repeated that she had the #'s and that I had to tell her to verify them.  You people are crooks and should be legally charged for your crime.  If I would have been an elderly person not quite understanding what was happening, you would have charged my credit card for your fees for "HELPING ME"....then turned around and said you could not get me a lower interest rate.....GET A LIFE...AND A REAL J O B. I would be thoroughly ashamed to admit I was an emplyee if I were you.....and thank God I'm not!!!!!

Hey their why don't you get a real job? You have no right to call and harrass people.. maybe your boss told you that you did but he's just anther low life that can't pass the IQ test for Micky D's. F*** off and go take care of your family and don't pester people.

Yes, but now you have a D- according to the BBB!  And you cold call government numbers with an autodialer, which is illegal to use in the state of Oklahoma.

Really?  Because you have purchased my information, this gives you the right to harass me?  That really sounds like an ethical business policy.    No wonder your client satisfaction is so low.   Millions of people are complaining about you.   This website is the perfect example.   What don’t you get about this?  ALL COMMENTS are negative.  But they are NOT FALSE nor SLANDER.   You want to talk about facts?   Like I don't know maybe the Better Business Bureau?   Sure, let’s go look at your rating.

http://www.bbb.org/western-washington/busines ... oma-wa-27028696

It is not B+ as you claim.  It is an F!!!   As in Failure!!!  If you clean up your act it might go back to D-  !!!  Nothing to be too proud about.    I hope the authorities catch up to you and eventually close down this company Mutual Consolidated Savings.  Now, YOU, please apologise to everyone here for harassing them for all those years!

I know better. I am an EX employee and I do KNOW better. We were paid to read from a script. An automated dialer is used to call people, MCS did NOT pay for any information from the banks. It was the telemarketer's job to gather credit card information. The odds were in MCS's favor that you reached someone, by cold calling, that actually had credit cards with a balance on them. The higher 'available' credit, the more the potential client was going to be charged. We were highly praised, when we had a client with at least $1300 available, because they were going to be charged $1199. The more we could charge, the more we were able to keep our jobs. I walked out the door one day, saying "no more... I cannot lie to people anymore..." and have never regretted that decision to leave!

B+ rating at the B.B.B? Try an F, that's what it was when I checked on June 22nd 2009. These Vermin got my Mom (Eighty years old and Naive to the ways of so called businesses like this)for $800 Canadian. I know pursuing them legally would be a exercise in futility, but I  promise I am going to make them known to as many people as I possibly can. One thing keeps me from boiling over when I think about my sweet Mom being taken by a bunch of crooks. The Owners and their Employees may be gloating at the money they are taking in due in large part to the naivety of the older people they target. However life has taught me many things, and one of the main things I'm sure all of us can attest to learning is. "You reap what you sow" So I take solace in the fact that the losers that run this scam will eventually get their just reward. And when they fall they will fall hard

YAEH RIGHT!!!!!!!!!!!!!!!!!!!!!! YOU F***ING SMUCK!!!!!!!!!!!!!!!!!!!!!!!!!!
GO F*** YOURSELF!!!!!!!!!!!!! YOU GODDAM F***ING MORON!!!!!!!!!!!!!!!!!!
AND MAY THE BIRD OF PARADISE FLY UP YOUR F***ING A**!!!!!!!!!!!!!!!!!!!!!
YOU STUPID C**K SUCKING MOTHER F***ING A**HOLE!!!!!!!!!!!!!!!!!

Thanks for all your good answers Bob, but I tried many times to remove my phone number from yoru list.  I also call Phonebuster, the RCMP andmy police deprtament where I put a complain.  So you can keep your crap for yourself.

Sincerely,

One more unhappy customer

Hello... I have been helping an elderly neighbor of mine that has just got sucked up into this scam.  I came home and started to try and find out more on these awful people on line, and that's when I read your note about them also.  My elderly neighbor was threatened by the man that called.  She told him that she was not interested but he just kept on telling her all kinds of crap that this would happen or that would happen if she didn't.    Anyway, they have taken 695.00 from her.  The card was cancelled, but now is the hard part getting her money back.  He keeps calling her and aggravating her.  We have turned him in, but he still says he's not refunding her money.  We are curious to how your situation turned out. Did you ever get rid of them and get your money back?  Thanks for interacting...  "Concerned"