866-243-4106

I got a call from a robocall and finally pressed 1 to get to a human. They were Universal Card Services and Briter Days Debt Relief - trying to get me to lower my interest rates on my credit card. They ask for my credit card number over the phone and would not tell me anything else. The lady who called sounded like she didnt know what she was talking about at all.

Very sneaky scammers - huge violation of the Do Not Call list since I'm on it. I already reported it. They said they're somewhere in Arizona.

I have received several calls from this company using several different caller IDs. All the same recorded message..."Hi this is Janie"... trying to get me to lower my interest rates on my credit cards. I pressed 1 to speak with someone. The first 2 times I told them I was registered on the DO NOT CALL list and to remove my number. Both men got angry and yelled at me then hung up. The next several calls when I tried to get information about the company again they hung up on me. Today I was given their website, www.changeyourdebt.com. I was told they were in Phoenix AZ. In addition to being unprofessional and rude, none of the people I have spoken to sounded like they knew what they were talking about.

universal card services, yes, scam . i got a call from 803-498-4422. pressed one to lower debt, got live person on phone. Asked who he was with . He identified as universal card services. I asked him how i received this call since i am and have been on do not call list with my cell since its implementation. I asked for a phone number i could register a complaint against. He stated, you have it, its on your caller id, i said ok, (knowing it was probably bs) and asked that i be removed, he said "remove yourself" and hung up. I reported it via the link on do not call, time, date, etc. I called back number on caller id , bogus number. 2 violations. One, recorded message, 2, no return phone number that is real or in any way active, 3, i have never done business with them. Be aware.

universal card services, yes, scam . i got a call from 803-498-4422. pressed one to lower debt, got live person on phone. Asked who he was with . He identified as universal card services. I asked him how i received this call since i am and have been on do not call list with my cell since its implementation. I asked for a phone number i could register a complaint against. He stated, you have it, its on your caller id, i said ok, (knowing it was probably bs) and asked that i be removed, he said "remove yourself" and hung up. I reported it via the link on do not call, time, date, etc. I called back number on caller id , bogus number. 2 violations. One, recorded message, 2, no return phone number that is real or in any way active, 3, i have never done business with them. Be aware.

I just got one of those call  about 10 minuets ago. Gave me the name  sheperd or something, cal back number was 803--498-4422

various aka http://www.jacksonville.bbb.org/commonreport.html?compid=2263
1-904-954-7500  Not BBB accredited.
AT&T Universal Card
AT&T Universal Card Services
AT&T Universal Credit Protecto
Business City Bank
Citi Card
Citi Cards Infrastructure
Citi Platinum Select card
Citibank - A T & T Universal Card
Citibank (South Dakota), N.A.
Citibank Business Platinum Select Card
Citibank Government Commerce Services
Citibank N.A.- AT&T Universal Card
Citicorp Credit Services
Customer Service Center
Diners Club International
Universal Bank
Universal Card Services
Universal Card/CBSDNA
800) 423-4343
(800) 733-1116
(800) 750-7453
(800) 772-2221
(800) 967-9800
(866) 565-7030
(888) 592-7344
(904) 954-1095
(904) 954-2388
(904) 954-7850
(904) 954-8545
(336) 522-8998

Got a phone call on my cell at work, asked that they call me at home.  They did, first talked to Kevin, very nice and polite, very knowledgable, had some one named Tabitha call me back, gave her all my info, she explained how things worked, seemed to good to be true, she was working on getting me a 0% APR on my credit card.  Claimed she would save me $1,500. on finance charges.  There is however a fee of $395. charged to your credit card when all is said and done.  I'm sitting here waiting for my call back to see if I qualified, will tell them to take a nice long hike.  Unfreakin believable, how can people pray on innocent people especially in such tough economical times..........

yes I got the same run around from Tabitha Edwards, after she conned me out of $325.00 , she called my credit card provider and didn't know what she was talking about.She told them she was a friend of mine trying to help me out.Talk about red flags!!!! She even wanted me to lie to them.I told her I wanted my money back.Guess what? Tried calling every week , no return calls.I would like to ask Tabitha how on earth do you sleep at night? I hope for everyone you have done this to NOT AT ALL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

HI Yes I also got called for Lowering my interest rate on my card,Then I told him I was unempoly that would really help me then he ask me would you like to talk 2 my Boss the owner he had Great ideal for helping make some money and pay on my card off faster,so I said ok then Boss said if you buy into the Company you will be getting checks monthly from them as company grows,this is in Feb2010 so they got me for $4000.00 Now haven't seen a check yet,and struck paying for a credit card I didn't have before that paying for it 2.I send letters no responds,phone calls no one knows what I talking about,so piss me off now my small unempolyment check goes to pay for it when I needed that money to live on,And I argree How do they sleep at night,I know hard for me knowing I got screw.

I have been receiving these calls daily for months.  Today I reported them to MO Attorney General's Office. Have asked to be removed from their calling list on numerous occasions.  Still receiving the calls. NEVER GIVE THEM ANY OF YOUR INFORMATION!

ITS A SCAM!

Hate to break it to you folks, but that "do not call list " is nothing but the best lead generator to date. Keep adding your name to it, and I guess you'll only have yourself to blame for all the phone calls - the ones you waste so much energy picking up and reacting to rather than say, oh I dont know, ignoring? If you press 1 you've already failed for the simple fact that you answered an unrecognized phone number. And if you have lost money because you have willingly provided your personal information over the phone then you should stop and rethink your poor decisions. Quit filling out surveys and talking to strangers on the phone or accept your consequences as a direct result of your failure at existing.

Just got a call today from Universal Card Serv from Phoenix Arizona. The lady don't have any idea how they have my information. She asked balance in my accounts (qualifying if I'm good for scam!!...lol) she transfer the call to the negotiator.....Who explained the program. Said one if my cc company can reduce from 14.74% to 0 in 6 ms then 9.9% after 6 ms........??? how he can be so sure of that!!!.... He told me they need me in the phone to talk to my cc companies and they will help me to negotiate the programs to reduce the interest rate in my cc (something that you can do by yourself with your cc companies). I asked what they are getting? %, monthly payment or initial payment for help? and he told me will be a charge of $ 595.00 one time for help me to reduce my % rate, and they can use my cc to charge that amount!!!! lol......then my phone "lost" the call. The name of the guy was Patrick Lazio. Also asked where they got my info...he said they buy leads from credit bureaus. Hope was real!...Can't believe how people work to do that.

OK so this company is a complete scam. I worked for them and they are so sketch about everything that I had to quit. They supposedly treat you like family and say its all legit but come payday you're check bounces??? . The companies real name is RELIEF THAT WORKS you can find their website online. We can't even give out the companies name until we've gotten all the info so you know who will charge your card. The boys Jeff is full of crap and if you ask to talk to him you're better off talking to the wall because he's the one who tells employees to treat people like crap if they won't give you information. If you ask pr the paves number they will A.) Say they will call you back or B) give you a fake number. They're tall number is 1866.706.2877. They operate in Phoenix AZ you can find all their info (including their address on their real website)
Oh and ps. You're better off reporting them because it'll be a waste of your time calling them to give them a piece of your mind.

Hi everybody I just wanted to say thank you for allowing me to scam all of you dummies out of millions my wife and kids are enjoying living in our house in Laveen Arizona and driving around in my new Lexus and Tahoe. Seriously are you stupid enough to give your information to a complete stranger over the phone. Laughing all the way to the bank then to jail lil Jeffrey...

We are a scam company and you will not receive services as promised I promise but, hey thanks for your money! Also find us as Brighter Days aka Relief That Works, Universal Card Services, RTW Now Jeff Farmer, Patrick Lizio, Monica Allen, Kevin Smith

SO this includes ripping off your employees? You owe me money Jeff for the hourly you promised. Let alone the twenty dollars in spiff money. Also after checking you out on the internet I cant believe I got wrapped up with you. I asked you straight up if this was a scam or not and you said no. Im ashamed I sat for two weeks in your phone room. Im ashamed I trusted you with my reputation and my time. You burned me Jeff you lied to me and then had me lie to others for you. I will never forgive you for this and will do everything I can to hold you responsible for what you have done.

I filed a wage claim but haven't heard anything back. I'm not rolling over on this one though. There's a principle here... I'd love to hear the end of that short story now brother!