866-351-0009

My 83 yo father took a telemarketing call from Tanya (phone 866-351-0009) to reduce his credit card debt to zero by transferring his balance to a new account.  Although the details are fuzzy, they seemed to know enough about him and his account  to be reliable, and he gave them information to start the transfer.  A few days later a new Citibank credit card appeared in the mail, so we figured that it was a Citibank call and were relieved that it seemed legit.

Then a call came requesting a $600 service fee be paid. Dad doesn’t recall agreeing to that on the phone, and we know he didn’t sign anything – the only paperwork he received was from Citibank. The company – Credit Assistance Program – says that they have a recorded conversation agreeing to the fee. When  asked how they expect payment, the person I talked to, Travis Michaels, said a check should be sent to KWP, PO Box 568823, Orlando, FL, 32856. If payment is not made, they threaten submission to a collection agency and damage to his  credit rating. These people are taking advantage of senior citizens with unethical, if not illegal, business practices.

Some internet research found a BBB listing at
http://www.bbb.org/central-florida/business-r ... ndo-fl-90314528

KWP LLC Credit assistance Program
(866) 351-0009
12472 Lake Underhill Rd STE 529, Orlando, FL 32828-7144

Additional information on KWP LLC, owner KAREN WAHL, (aka Karen Winn) found here:
http://florida.intercreditreport.com/company/kwp-services-llc-l14000023433

This company called and offered a zero percent transfer. The catch was, we were to pay 1000.00 to them as a fee for them transferring our small balances. They opened a new line, (they did this because we were on the phone with them as they "helped" us patch through to our credit card company.)Meanwhile, they opened a whole different card with the same company, (on top of the Citibank card in addition) in order that we could pay them the 1000.00. Then some guy named Travis left a message threatening to turn us over to collections if we did not pay them the 1000.00. We called the company and they were very vague. They would not tell us a direct name of there company. When we looked up the address online, we think it was a UPS store. They call themselves "Credit assistance program." They state they do not have an web address when asked. (That's strange!!! What kind of reputable company doesn't have a website???) Travis was rude as soon as we started challenging him! We were almost taken with this company during the Christmas season. How can they sleep at night? I asked them that too! Instead we gave the money they deposited in our account back to the credit card company that deposited it! Please Travis and company, turn us into collections asap!!!! Then we can have an easier time going after your scam of a company, since you are not willing to reveal your identity!!!

Btw...this is Sam again, KWP is also the same company as Credit Assistance Program that the above person had an experience with.

We had the same experience! They are awful people and it's a scam! I hope you didn't send the money!

Contact your local consumer protection agency immediately!  I did and they were very interested to learn about this company providing debt/credit management services although they have not registered to do so in our state.  Travis told me he's been doing this for over 10 years but this company is only 3+ months old and the one before was 1 1/2 yrs before closing and reopening with a few minor changes to the name.  They are true criminals,  through and through!

Please help they are threating to put me in collection if I don't pay

I have read the previous messages and feeling completely sad and outraged that people are able to scan, lie and get away with stealing money from innocent people. KWP Services recently took over $4000 from my elderly father who does not have a lot of excess money laying around. He is a veteran and the money was supposed to be used to pay for his most recent hospital stay. I believe these criminals also were able to obtain his credit card information, SSN, personal information and maybe even his bank account info. They told him to stop paying his credit cards and he has been receiving calls from the companies because his accounts are behind. He has tried to call them and cannot get through. Now his good name and credit rating are trashed. Can anyone advise on what I can do to help him?

Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.

If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated

Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.

If they are bothering you, report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a  violation of the Federal Fair Debt Collection Practices Act.)  The same goes for endless telephone harassment

Also contact your local attorney general

If they continue to bother you,  and you know you do not owe any money, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

You'll probably have to yell at them and talk over them.  Tell 'em  no scammy debt collector is going to push you around.

There may be some question as to whether your father is competent to handle his own financial affairs.  If he is, he should go to the local police department and make a complaint of fraud.    It looks like this company has defrauded someone who may not have understood what he was getting into.    This also looks like it might be some form of elder abuse, as well.

He should also  contact  the  local attorney general and make a complaint of fraud.

This group is apparently located in Florida .  If your father is  not in Florida he  should contact the FTC and make a complaint of fraud.

See:  http://www.consumer.ftc.gov/articles/0149-debt-collection

You should also consider going to the media with this.

I'd clearly start with a police complaint.

In addition to what CWG40 has told you, they need to be licensed in Florida.  they aren't, at least not under that name.  File a report on their criminal activities here also:

Also file a complaint with the Florida AG’s Office:  http://myfloridalegal.com/

And the Florida Dept. of Financial Regulation:  http://www.flofr.com/StaticPages/FileAComplaint.htm

I'm so confused - this might be a scam!

So glad I found this page, somehow we were taken in by these people.  We lost money we could not afford and left us feeling horribly guilty about falling for such a pathetic scam.  The fact they did not want us to use the USPO should have been a BIG clue but I missed it.  We had both had recent surgery and were not at our best.  I am so glad they were caught and stopped.  Does anyone know their sentence?