877-867-5218

I received a call with this same callback #. "Amanda" said she was from First Financial Services and could lower all my credit card interest to 6%!  When I gave her a credit card # of a closed account, she then asked for another card # which in turn I refused.  She gave a good shpeal however the old saying kicked in, "if it sounds too good to be true, it usually is."

Actually, my caller ID stated:

Florida Call
813-322-5027 not the number she gave me to contact her back at!

That is such a lie!!!!!!! I never asked anyone for any money to check out any credit score... that's not even what we do here... Do not smear my name on the internet whatsoever I don't appreciate whatsoever whoever you are Scott. You are in debt not us and U had the option of hanging up the phone. If you like staying in debt fine I get paid regardless... I'm in the Marine Corp and I base my life on helping others in my country. Don't lie on me though. That is totally inaccurate and I deny anything you have stated in your statement above. And you don't have to cancel anything no one is going to do anything with your accounts. We have a B+ rating with the BBB... and we don't stay in business by doing things as you are stating. Again do not say incorrect, belligerent, nor insulting things that may ruin my credibility Scott. If you have a problem... U and your wife have the number to the office. Feel free to discuss it with me and not with others. Thank you and God bless you and your finances.

I got multiple calls from First Financial Asset Services. Caller ID says "406-948-8531 Glendive MT".  I talked to "Tracy Smith" who had details from my credit report and wanted to help me lower my interest rate. I interrupted and told her to take me off her list and stop calling. She asked why and I told her I thought it was a scam. She assured me it wasn't a d directed me to their website (www.firstfinancialwellness.com) and encouraged me to check them out on the BBB website and then call her back at 877-867-5218. She admitted they had a "B" rating and added that the location to look for was Marietta, GA.

Well, I took her up on the offer and found "First Financial Services & Auto Sales" as the only "First Financial  Services" listing in Marietta GA.  So I searched on "First Financial Asset Services" and found one in Port Richey, FL with no BBB rating and 19 complaints in the past 36 months. It listed the website that I had been given so this seems to be the right company. All complaints have been resolved to BBB's satisfaction, but not all customers were satisfied.

After reading the series of posts, I'm convinced that their "business model" is to bill the client up front, mail them a "self-help" packet of info and move on to other new "clients". If any (a few) complain or escalate to BBB, then they refund the fee.

They incorporated in FL in August 2009 and their other website listed on the BBB citation (www.firstfinancialassetservices.com) is no longer active, which reinforces my view that they are a "fly-by-night" outfit. So beware.

FYI, here is the link to the BBB listing:
http://www.bbb.org/west-florida/business-revi ... hey-fl-90075841

They also seem to be related to Suncoast Financial Services in Hudson, FL (same Hank T Waters listed as a contact) which was formed in July, 2010. See info here:
http://www.lookupbook.com/directory/banking-a ... -consulting-inc

Also, check out the string of posts regarding 866-682-0803 (same outfit, different number).

PS..."DHARRIS" appears to be doing "damage control" for them on all these postings strings

You are the same dumbo I-am-a-scammer Harris on this thread https://800notes.com/Phone.aspx/1-866-682-0803 
You attack anyone who disagrees you, no legit company would respond this way, no legit company rep would be allowed to respond this way. You are a scammer!

No 3rd party can *promise* they can reduce your CC interest rate. They can at best *ask* your CC company on your behalf to lower your rate and you can do this yourself for free. Any 3rd party that promises is a scam even though they claim they'll refund your money. If your issuer won't agree to lower if you ask, I assure you they won't either for any 3rd party who does. The recent trend for CC issuers has been to *raise* CC rates (lots of complaints on the net of indiscriminate increases for customers who were current on payments), why would any issuer agree to lower your rate just because some 3rd party asks on your behalf? Since they offer to refund if your rate isn't reduced, why not simply charge your CC *after* your rate's been reduced? Makes no sense, does it? Please read the Federal Trade Commission's warning here http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt178.shtm and file a complaint if you think you've been scammed.

I am a smart individual and I gave First Financial Services $995.  I should know better.  After I made the transaction, I started researching the internet for more information.  There are too  many things that don't "feel" just right about this company.  I did get the packet, but I have decided not to provide the information they want.  They wanted me to send them too much sensitive information through the mail in a plain envelope. I tried to get the $995 back, but was turned down.  I guess I will just have to live with the idea that I made a really stupid mistake.  If this is not a scam, it sure looks like it.  I read some things on the Federal Trade Commission site that scared me from going any further.  Please don't do this until you research it first.

Contact your bank, file a fraud complaint and demand your money back. Do not "dispute" the charge or your issuer will tell you to work it out with the scammer. "Disputes" are for billing errors, this is a scam.

I will report this to my credit card company to see if I can get my money back.  Tell me exactly what to say before I call them.
Thanks

This is a well-known scam that your CC issuer is familiar with. Tell them the whole story of how you were called, what was promised, etc. Tell them you've talked to the scammer and they won't return your money (this shows you've given the scammer a chance to refund and they won't) so you want your money back and your card replaced to prevent other criminals from charging to it. Your issuer has the power to claw money back from the charging party within 60 days of charge date, more difficult after 60 days. If you've auto-debits on this credit card, remember to switch auto-debits onto the new card.

I have received a call as well went through with it I was a little skeptical at first until I got my packet I filled it out and got great results with my interest and savings so for all the people complaining just give them time and they will do what they say as far as the guarantees go it's a wonderful program!!!!

This poor [***] scammer shill is trying to mimic me -- the real Anonymous and the bane of scammers -- with this pitiful feel-good crap post. Gee whiz, can this be dumbo I-am-a-scammer Harris writing under another name? You poor [***], read about your scam here http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt178.shtm

I too, would like to think that I'm a fairly smart person and yet due to a hard sell and an iron clad 100% money back guarantee I gave First Financial Wellness almost $800 of my hard earned money.  I was also skeptical about their claims and refused to give any passwords or mothers' maiden names for myself or my spouse but was told that they could still negotiate on my behalf without that information. Just to be safe, I called my credit card company and they notated that I had called about the charge.  They also told me that the charge was posted as a consulting, management & publication fee???  After 2 months of making several calls to First Financial Wellness and being told that my case was still in negotiation and that I would be called back (which of course never happened), I finally called and asked for a refund.  After being tossed around like a baseball between customer service and fulfillment several times, I finally got the pleasure of talking to a raging b***ch named Gina who told me flat out that I had a "no cancel agreement" (wha?) and that I would not be receiving any refund.  She said that I could talk to their lawyers if I had a problem w/ that.  First I started a complaint process through the Better Business Bureau in Florida and then I called my credit card company and filed a dispute.  They said that I could not file it as a fraudulent claim because I had authorized the charge.  They refunded the fee and said that they would get the money back from First Financial Wellness who would, in turn, have 60 days to dispute my dispute.  Confused much?  Wish me luck & remember what your mama told you was true....if it sounds too good to be true, etc., etc.

My credit card company would not file it as a fraudulent claim because I had initially approved the charge.  However, they did refund the money and said that they would get the money back from First Financial, who had 60 days to file a dispute.  Good luck.  By the way, you might try filing a complaint w/ the Better Business Bureau of Florida, they might be able to get somewhere.

Not confusing at all. Your issuer limits "fraud" to unauthorized charges. By this definition, if you were scammed by and gave your CC to good ol' Ponzi himself, it's not fraud! Avoids having to spend money on investigations. Customers get their money back and that's what most of them want anyway. What you can do (if you wish to pursue it and many won't) is to complain to the issuer's regulator.

First Financial Wellness is a big scam!!!!!! Hang up on these jokers before they even get started!!! They got me for $1000 and did absolutely nothing for me!!!! They guaranteed me that they could lower my interest rates on my credit cards in 3 to 6 months and I would have a savings of $3000!!!! These people are a joke!!!!! I will now be lodging a complaint with the Better Business Bureau!!!!....Do not believe anything these [***] have to say!!!!

Just received a call from Amanda Davis saying she was from First Financial Services in Marietta, GA and could reduce my credit card interest rates that were over 12%. I checked for the company on BBB, but couldn't find a rating on them. She said the Credit Bureaus had sent my information to them, but when she asked for my Credit Card Number, I told her I didn't give out those numbers over the phone. She got a supervisor on the phone who told me I was totally protected from fraudulent charges by federal law, blah, blah, blah. I told her no and hung up. Now that I've seen these posts on the internet, I'm glad I didn't give them any info.

Thanks for these posts and for the links to Federal Trade Comm warning. I got a call from Toni Lester 877 867 5218, First Financial Wellness, same promises as above. Supposedly they sent a letter but I probably threw it out. She said they could reduce any interest rates currently over 12% as long as my debt ratio qualified, and I wasn't maxed out on my cards, that I wouldn't have to pay them, they get their money from the reduced interest. DUH.. am I supposed to believe the CC banks pay THEM on my behalf? She said if my cards were closed to being maxed out (which of course they are, because all of the CC's have slashed credit limits,) they could still help but I would have to pay a fee upfront. But first they had to verify I still qualify and wanted information. If I didn't do it right then on the phone - not knowing a thing about them-  they would have to notify the credit bureau I declined and I couldn't qualify for a year. Couldn't understand why I felt the need to research them first before giving out information. I said I would have to check my CC balances to see what my debt ratio is and then it was OK to put my offer on "HOLD." I started Googling and found this site among other complaints. The website I was given is www.firstfinancialwellness.com, she told me how to bypass the login, the site also says First Financial Assets Services with phone #866 862 0803. 10290 US Hwy 19 suite 420 Port Richey FL 34668.   Needless to say I will not be calling back!

To all these people that are complaining about a credit card service why would you be scared about a CC service in the first place you must be tooo....stupid to not know your rights as a consumer!!!! Noone can scam you on a CC, it falls under the Consumer Protection Act! If you don't believe that why would you even believe or use CC???? If you can get the help or you money back your stupid for even getting an using CC in the first place! They are legalized thieves duh!!Man thats crazy to even think that you guys would even take the time to report a quote on quote scam! But will not take the time out to write what work they actually done for you, how in the world can any business be around for so long and be a scam use your brain people please! And everyone wants to trust the BBB lol they have been under investigation for a pay for play scam so lets get it together people!!!

Have received several calls from First Financial Services 1-877-867-5218.  I work remotely so I need to answer all of my phone calls.  They start out saying they know my total debt and can reduce my interest rate and are working with the federal government.  Then they start asking for the last 4 digits of my ss #, cc # of my highest debt credit card, expiration date & the phone # on the back of my card.  One of the phone calls, I insisted on being removed from their calling list and ended up with a rep screaming at me.  I have received 3 more phone calls since then.  Today's phone call was from Candy Campbell and I told her this was a scam.  She swore it was legit and that she wouldn't go to jail for anyone. They are extremely persistent even after I have accused them of being scammers.  I just want them to quit calling me!