I am a recent former employee from Mutual Consolidates Savings. They are a complete scam. They engage in so much fraudulent activity it is only a matter of time before they are thrown in prison.
Their main number is 1-800-943-3250. This number will usually not be given to you, but if it is, IMMEDIATELY CALL AND REQUEST TO CANCEL, AND INFORM THEM THAT YOU WILL BE SPEAKING TO YOUR BANK TO FORCE THE MONEY FROM THEM BACK INTO YOUR ACCOUNT. They will try to convince you against your will not to do this or that you don't have the right to, or that you were recorded saying that you authorized the charge, but DON'T LISTEN TO THEM. recording will not hold up in court, and tell your bank that they promised other things to you that were not on the recording.
They contract out with companies in PAKISTAN, FLORIDA, and the UK to call AMERICAN AND CANADIAN CITIZENS TO SCAM THEM FROM THEIR MONEY.
Those companies are: JPM, Accelerated Financial, AFC, Home Lenders Group, Dequattro Marketing, and a few others. AGAIN, REQUEST THE MAIN NUMBER FOR MUTUAL CONSOLIDATED SAVINGS, LLC AT 1215 Earnest South Brazil in Tacoma, WA, (or Google them) and GET THE MAIN NUMBER OF 1-800-943-3250 and AND TELL THEM YOU WILL NOT ACCEPT THE PACKAGE, ASK FOR A REFUND, DO NOT LISTEN TO THEIR EXCUSES, and then IMMEDIATELY CALL YOUR BANK AND TELL THEM YOU DID NOT AUTHORIZE THE CHARGE AND YOU NEED THEM TO FORCE THE MONEY BACK INTO YOUR ACCOUNT (some banks call this a "chargeback" request).
Again, I am a recent former employee of this company. In fact, not just a former average joe working the phones, but a RECENT former employee with high-level access to almost EVERY piece of information at this company. Before I begin snitching these people out, I have to tell you that every single person at this company uses fake names over the phone.
The parent company of Mutual Consolidated Savings is United Savings Center. They are owned by a man who calls himself "Paul Thompson." This may or may not be his real name. His cell phone number is 253-224-9500. He is an ex-pimp and drug dealer who may or may not be using this fraudulent business operation to wash his money from a prostitution ring he is running in Tacoma, WA.
His wife and co-operator calls herself "Jessica Buzzard". Her real name is Jessica Sewald - again, this may be false information, too. Her cell phone number is 253-224-0200. She assists her husband Paul (they're actually not even married, but have been together for some years) in running the prostitution ring and in putting out the fires (by lying, of course) caused by the fraudulent operations they engage in.
The "Ops Director" if you can call her that, calls herself "Rachel Derricks", but her real name is Amanda Cavender - and even that may not be her real name. Her cell phone number is 253-228-3266. She assists in stealing money from customers' credit card accounts by ensuring that, if a recording of a customer authorizing the charge can be construed as such, the money can be either double-charged or taken out the very day of the phone, even though the customer may have been told the money would NOT be taken out for some other length of time.
The Compliance Officer is Christopher Trescothick. This may or may not be his real name. His cell phone number has changed since last I knew about it, so it does no good to list it. He assists partially in running some aspects of the various websites the company operates, as well as in deflecting complaints from customers they have called who are on the National Do Not Call lists. He is also responsible for contracting out the various other telemarketing call centers who perform the majority of the work for this company.
One of the "customer service supervisors" at this company is a boy who calls himself "Armand Avery." His duty here is to take over calls for telemarketers and convince people to buy the product by lying to them, and to recieve calls from people who want to cancel, and tell them they cannot, for any reason. He was recently arrested and convicted for Possession of Stolen Property (he helps run the drug-dealing and prositution ring with the owner and older employees), Theft of Means (stealing a car), Sales Of A Controlled Substance To An Undercover Officer, and Possession and Distribution of a Controlled SUbstance. He has been convicted and is awaiting sentencing. While he awaits his sentencing, he gets paid to help this company steal money from Canadians and good hard-working Americans.
If convinced to buy into this scam, you will be told that a "Specialist" will call you to go over your debt. These "Specialists" are in a room run by a woman who goes by the name "Joanne." SHe's supposed to be the "supervisor/manager". Her duty is to ensure that when a customer who calls in after never being contacted back (as they were promised), they are given the run-around by being passed among different people and "departments" until such time has passed that the client may not have a claim to a refund.
Customers are told that there is "no cancellation policy", meaning that once they steal the money from your account, they won't be giving it back. Ever. For some odd reason, there is a "cancellations" Department (even though there is a "no-cancel" policy, for customers who call back to request their money back. The purpose of this department (actually four girls) is to flat-out deny the refund request, unless a customer says, "I AM TALKING TO MY BANK ABOUT THIS" or "I AM INITIATING A CHARGEBACK." Once they cancellation agents hear these words, they attempt to convince the customer to accept a PARTIAL REFUND. IF THE CUSTOMER ACCEPTS A PARTIAL REFUND, no matter how much or how little, THEY ARE NO LONGER LEGALLY ENTITLED TO A FULL REFUND. If you are a customer in charge-back proceedings, DO NOT COOPERATE WITH MCS,LLC on any terms, and ONLY TALK TO YOUR BANK. Do not accept ANY MONEY BACK FROM MCS, LLC - ONLY TALK TO YOUR BANK, who will get it ALL back forcefully FOR YOU.
THe "Specilaists" who handle your account are actually local prostitutes, drug dealers, and street thugs (I kid you not, I could not make this up, I swear) from the general area of Tacoma, WA who are in a bad spot and need some extra cash. NO SPECIALISTS AT THIS COMPANY have legitimate degrees from any reputable schools, let alone financial or legal degrees. NO SPECIALISTS AT THIS COMPANY have legitimate certifications for anything in the financial field.
NO SPECIALISTS AT THIS COMPANY are licensable or bondable.
ALl AGENTS AT THIS COMPANY have criminal backgrounds in everything from POssessin Of A Controlled Substance to Fraud.
When convinced to buy into this scam, you will be told that you will recieve a package containing a book, CDs, and some forms to fill out. The book is titled, "Talk Your Way Out Of Credit Card Debt". It's full of advice like, "buy cheap groceries and buy cheaper gas. Ask your bank representative to lower your interest. Cancel your credit cards if you do not want to go into debt." THE BOOK AND CDs ARE COMPLETELY WORTHLESS AND ARE ONLY SENT TO YOU TO PROVE THAT YOU HAVE A PRODUCT IN YOUER HANDS, AND THEY WILL FORCE YOU TO PAY TO HAVE IT SENT BACK, and MAY CLAIM YOU NEVER DID, IF YOU WANT TO CANCEL. If you are in the process of recieving the package, DO NOT ACCEPT IT WHEN IT ARRIVES AND ASK THAT IT BE DESTROYED. GET THE NAME AND NUMBER OF THE COMPANY DROPPING IT OFF AND CALL THAT COMPANY AND CONFIRM YOU DENAIL OF ACCEPTANCE OF THAT PACKAGE.
DO NOT FILL OUT THE FORMS. Filling them out will further bind you into this scam by giving these people the authorization to work with your financial accounts.
Any information this company recieves from you is sold, multiple times and in many ways, to anyone who wants to buy it, for any reason.
Everyone at this company does MASSIVE amounts of drugs. They are given only enough information to make them sound legitamate to the CUSTOMER, but any bank rep will know they are full of boloney. DO NOT LET THEM HANDLE YOUR ACCOUNTS BECAUSE THEY MAY DRIVE YOUR INTEREST RATES UP, not DOWN.
You will be told that working with them to lower your rates will not harm your credit - BUT I ASSURE YOU, IT WILL.
It will result in higher interest rates and loan denials.
If you want to do this yourself, there is plenty of free information out there on how to lower your rates yourself, and doing it yourself or with an CERTIFIED, REPUTABLE company will not harm your credit. But these guys are known all throughout Canada and the US as a scam, so banks will usually NOT talk to them.
If you have been suckered in, I'm so sorry..you may or may not ever get a call from their quote-unquote "Specialists".
Begin loggin every phone call back and forth from these people, and begin talking to your bank and ask your bank to GET YOUR MONEY BACK BECAUSE YOU NEVER AUTHORIZED THE CHARGE.
YOU NEVER AUTHORIZED THE CHARGE. If you are told that you were recorded saying that you did, THIS DOES NOT HOLD UP IN COURT. ASK FOR YOUR MONEY BACK IMMEDIATELY.
Log your phone calls and ask your phone company for a record of the calls, and present this record as proof that you called for a refund.
Here are some links you may find helpful:
James from Victoria on January 29, 2009 for 323-429-7525
Hey, i've been getting similar calls in the last 2 weeks. How do you know MCS is connected Tim S. Vasko's operation? That address is just down the street from me, maybe I should make a visit.
Octavious on December 20, 2008 for 323-429-7525
MCS Programs is an outfit associated with Timothy S. Vasko -- former CEO of VIP Global Capital, Inc. See SEC Litigation Release below for details. Vasko currently runs a VOIP marketing business out of Victoria BC.
Here is Vasko's office address and phone number:
210-19 Dallas Rd. (Shoal Point)
Victoria BC, Canada V8V 5A6
1.250.386.4266 - T
1.877.621.4266 - TF
1.250.386.4267 - F
SECURITIES AND EXCHANGE COMMISSION
Litigation Release No. 17220 / November 6, 2001
SEC v. TIMOTHY S. VASKO, EDWARD B. WILLIAMSON, AND MICHAEL J. SCHUCHARD, U.S. District Court for the District of Colorado, C.A. No. 00-M-2593 (December 29, 2000)
SEC SETTLES FRAUD ACTION AGAINST TIMOTHY S. VASKO, FORMER CHAIRMAN AND CHIEF EXECUTIVE OFFICER OF VIP GLOBAL CAPITAL, INC.
The Securities and Exchange Commission announced that it has settled its civil injunctive action against Timothy S. Vasko, the former chairman and chief executive officer of VIP Global Capital, Inc. The Commission's Complaint alleged that Vasko made materially misleading disclosure in VIP's filings with the Commission, particularly with respect to VIP's credit arrangement with its major source of financing; that Vasko, along with Edward B. Williamson, a stock promoter who published an investment newsletter, engaged in a scheme to tout VIP and manipulate the market for VIP's securities; and that Michael J. Schuchard, a former senior vice president and member of VIP's board, who also worked as a registered representative of a broker-dealer, fraudulently sold securities of VIP to his brokerage customers. The SEC settled with Williamson and Schuchard at the time it instituted its civil action. See SEC Litigation Release No. 16855 (January 5, 2001).
Vasko, without admitting or denying the allegations of the Complaint, agreed to a settlement whereby he would be permanently enjoined from violating Sections 10(b) and 13(b)(5) of the Securities Exchange Act of 1934 ("Exchange Act"), and Rules 10b-5 and 13b2-1 thereunder, and from aiding and abetting violations of Section 13(a) of the Exchange Act and Rule 13a-1 thereunder. Vasko also paid a $40,000 civil penalty pursuant to Section 21(d)(3) of the Exchange Act. The U.S. District Court for the District of Colorado entered the order of Final Judgment against Vasko on April 17, 2001.