credit
card
scam
mcs
interest
cards
rate
savings
mutual
dollars
low
If you take a few minutes to search on the Net about this topic, you can quickly realize that the Credit Card scam related to gifts and/or low interest rate offers has been going on since at least, 2003. I've read enough on this subject to come to the conclusion that these call centers (wherever they are located in the world) operate without any fear of being caught. They cause hundred of thousand dollars losses daily to the credit card companies and guess what? The credit card companies pass their losses to the users who are…you and me. As of today, these pirate call centers are still operating in full force across North America. They have found the loophole for escaping from FBI and RCMP. The typical “model citizen” usually reports the fraud to the attorney or local police. I have news for you. You can file as many complains as you want to the authorities, they just can’t catch them! You can threaten of reporting their annoying calls to the phone companies, you can swear, being rude, vulgar with them – They are the ones controlling the game. They just hang up (laughing) until they receive a call from the next gullible person (and the wheel keeps turning). Whatever you do or say, you won’t be taken off their automated calling list. The heads of these scam acts like a computer virus. They are very much up to date with the changing law enforcement techniques and like a moving target, they disappear in the field. You can find numerous blogs and discussion forums related to this scam (this one is one of them). For every thread on the Net that exposes their illegal activities, they have members posting a message denying complains of people who got ripped off. They introduce contradicting information in blogs in order to confuse people who are unsure about the legitimacy of their offers. They have fake web sites, fake names, fake addresses, etc. Based on these facts, I think the only thing that can be done is to interfere with their practices. How can this be done? By “putting a stick in their wheel", hitting the weakest spot – their need to grab personal information from you. I’ve been practicing for quite a few times now and you’d be impressed by how patient they become when they feel that they have you as a fish on their hook. Again, the only power you have over them is to spend as much time as you can to waste THEIR time. This time you spend with them is time that they can’t use for screwing other people. I've learned a lot from reading in threads on the Net. Here is what I started doing: the principle is to play the game of being interested by their offer, providing fake information, pretending, acting, and creating delays. I hear you say that you don’t know how to reach them because whenever they call you because your call I.D. shows: 123-456-7890 (or any other spoofed phone i.d.). Didn’t I tell you they were smart? Here are a few numbers that still work as of today: 1 800-501-0100 (to reach the vacation trip scam) | 1 888-786-6201 or 1 800-943-3250 or 1 800-961-9830 (to reach the MCS credit card interest rate scam). If you need more numbers you can with a little effort “google” the name of the organization along with in the search field and it should pull more numbers to call to. Finally, here is my recipe for a great "obstruction" session upon these scammers: 1) take a hands free phone (portable is even better as you can still conduct you home activities) 2) get them to go through their entire sales pitch by encouraging and acknowledging every once in a while 3) make it last as long as your time permits (they are the one assuming the charges of the “1-800” communication). 4) When you feel that they suspect your “game” (or when you’re bored whichever comes first), find a nice and polite way to tell them that they've just wasted 15-20 minutes (sometimes more) of their precious time stealing other gullible people. I guarantee you that you will get some reaction at the other end of the line. Give them a ride and flood their phone lines! Make their life as miserable as they do to us. HEARING THEIR FRUSTRATION IS A GREAT REWARD AND PURE PLEASURE. Don’t be intimidated if they threaten you of anything, they are totally harmless.
Fight back
 Feb 21st, 2009
If you take a few minutes to search on the Net about this topic, you can quickly realize that the Credit Card scam related to gifts and/or low interest rate offers has been going on since at least, 2003. I've read enough on this subject to come to the conclusion that these call centers (wherever they are located in the world) operate without any fear of being caught. They cause hundred of thousand dollars losses daily to the credit card companies and guess what? The credit card companies pass their losses to the users who are…you and me. As of today, these pirate call centers are still operating in full force across North America. They have found the loophole for escaping from FBI and RCMP. The typical “model citizen” usually reports the fraud to the attorney or local police. I have news for you. You can file as many complains as you want to the authorities, they just can’t catch them! You can threaten of reporting their annoying calls to the phone companies, you can swear, being rude, vulgar with them – They are the ones controlling the game. They just hang up (laughing) until they receive a call from the next gullible person (and the wheel keeps turning). Whatever you do or say, you won’t be taken off their automated calling list. The heads of these scam acts like a computer virus. They are very much up to date with the changing law enforcement techniques and like a moving target, they disappear in the field. You can find numerous blogs and discussion forums related to this scam (this one is one of them). For every thread on the Net that exposes their illegal activities, they have members posting a message denying complains of people who got ripped off. They introduce contradicting information in blogs in order to confuse people who are unsure about the legitimacy of their offers. They have fake web sites, fake names, fake addresses, etc. Based on these facts, I think the only thing that can be done is to interfere with their practices. How can this be done? By “putting a stick in their wheel", hitting the weakest spot – their need to grab personal information from you. I’ve been practicing for quite a few times now and you’d be impressed by how patient they become when they feel that they have you as a fish on their hook. Again, the only power you have over them is to spend as much time as you can to waste THEIR time. This time you spend with them is time that they can’t use for screwing other people. I've learned a lot from reading in threads on the Net. Here is what I started doing: the principle is to play the game of being interested by their offer, providing fake information, pretending, acting, and creating delays. I hear you say that you don’t know how to reach them because whenever they call you because your call I.D. shows: 123-456-7890 (or any other spoofed phone i.d.). Didn’t I tell you they were smart? Here are a few numbers that still work as of today: 1 800-501-0100 (to reach the vacation trip scam) | 1 888-786-6201 or 1 800-943-3250 or 1 800-961-9830 (to reach the MCS credit card interest rate scam). If you need more numbers you can with a little effort “google” the name of the organization along with in the search field and it should pull more numbers to call to. Finally, here is my recipe for a great "obstruction" session upon these scammers: 1) take a hands free phone (portable is even better as you can still conduct you home activities) 2) get them to go through their entire sales pitch by encouraging and acknowledging every once in a while 3) make it last as long as your time permits (they are the one assuming the charges of the “1-800” communication). 4) When you feel that they suspect your “game” (or when you’re bored whichever comes first), find a nice and polite way to tell them that they've just wasted 15-20 minutes (sometimes more) of their precious time stealing other gullible people. I guarantee you that you will get some reaction at the other end of the line. Give them a ride and flood their phone lines! Make their life as miserable as they do to us. HEARING THEIR FRUSTRATION IS A GREAT REWARD AND PURE PLEASURE. Don’t be intimidated if they threaten you of anything, they are totally harmless.
Fight back
 Feb 21st, 2009
Ladies and gentlemen,
If you take a few minutes to search on the Net about this topic, you can quickly realize that the Credit Card scam related to gifts and low interest rate offers has been going on since at least, 2003. I've read enough on this subject to come to the conclusion that these call centers (wherever they are located in the world) operate without any fear of being caught. They cause hundred of thousand dollars losses daily to the credit card companies and guess what? The credit card companies pass their losses to the users who are…you and me. As of today, these pirates call centers are still operating in full force across North America. They have found the loophole for escaping from FBI and RCMP. The typical “model citizen” usually reports the fraud to the attorney or local police. I have news for you. You can file as many complains as you want to the authorities, they just can’t catch them! You can threaten of reporting their annoying calls to the phone companies, you can swear, being rude, vulgar with them – They are the ones controlling the game. They just hang up (laughing) until they receive a call from the next gullible person (and the wheel keeps turning). Whatever you do or say, you won’t be taken off their automated calling list. I have to admit the heads of these scam acts like a computer virus. They are very much up to date with the changing law enforcement techniques and like a moving target, they disappear in the field. You can find numerous blogs and discussion forums related to this scam (this one is one of them). For every thread on the Net that exposes their illegal activities, they have members posting a message denying complains of people who got ripped off. They introduce contradicting information in blogs in order to confuse people who are unsure the legitimacy of their offers. They have fake web sites, fake names, fake addresses, etc. Based on these facts, I think the only thing that can be done is to interfere with their practices. How can this be done? By “putting a stick in their wheel", hitting the weakest spot – their need to grab personal information from you. I’ve been practicing for quite a few times now and you’d be impressed by how patient they are when they feel that they have you as a fish on their hook. Again, the only power you have over them is to spend as much time as you can to waste THEIR time. This time you spend with them is time that they can’t use for screwing other people. From reading in some threads on the Net, here is what I started doing: the principle is to play the game of being interested by their offer, providing fake information, pretending, acting, and creating delays. I hear you say that you don’t know how to reach them because whenever they call you, your call I.D. shows: 123-456-7890 (or any other spoofed phone i.d.). Didn’t I tell you they were smart? Here are a few numbers that still work as of today: 800-501-0100 (to reach the vacation trip scam) | 1 888-786-6201 or 1 800-943-3250 or 1 800-961-9830 (to reach the MCS credit card interest rate scam). If you need more numbers you can with a little effort “google” the name of the organization along with in the search field and it should pull more numbers to call to. Finally, here is my recipe for a great "obstruction" session upon these scammers: 1) take a hands free phone (portable is even better as you can still conduct you home activities) 2) get them to go through their entire sales pitch by encouraging and acknowledging every once in a while 3) make it last as long as your time permits (they are the one assuming the charges of the “1-800” communication). 4) When you feel that they suspect your “game” (or when you’re bored whichever comes first), find a nice and polite way to tell them that they've just wasted 15-20 minutes (sometimes more) of their precious time stealing other gullible people. I guarantee you that you will get some reaction at the other end of the line. Give them a ride and flood their phone lines! Make their life as miserable as they do to it tor us. HEARING THEIR FRUSTRATION IS A GREAT REWARD AND PURE PLEASURE. Don’t be intimidated if they threaten you of anything, they are totally harmless. I can’t wait to hear feedback from you all.
Fight back
 Feb 20th, 2009
We have had this recorded message before & have always hung up or pressed 3 which means not interested. This time I pressed 1 to get my number removed since 3 didn't get the message across.
"But why would you do that when I can save you thousands of dollars in interest?" I was asked. After asking about the mortgage & line of credit, he wanted to know a credit card number 'for verification' to which I of course said no. Now he could only offer me lower interest rates on my mortgage etc. if he could verify my credit card. Then he passed me on to his supervisor, Paul Nixon (I love this part because it reminds me of a car salesman who has to go check to see if his boss will authorize the great deal he just offered you) who explained that not only will my credit card number 'verify me' but that the $690.00 U.S. fee (this was not mentioned before) would save me thousands of dollars in interest for the rest of my credit riddled life... it would also cover any blood relative if I joined.
Michael
 Jan 26th, 2009
we live in quebec and have received literally dozens of calls from these people.Today we decided to ask them how they do this.My wife is an accountant so she got on and really quizzed them while I searched the net for this address.Our advice-don't even answer the phone.This is defintely a scam which they can probably justify as legal and get away with it in court.I agree with the others who say fraud and identity theft.Keep leaving comments with this and maybe they will eventually give up on this.{reminds me of that nigerian scam a few years ago.
john
 Jan 24th, 2009
Yes they also have called me from 517-931-2310 They told me that they could only help with cards that where noy maxed out. Then the want that card info for cards that still have an avaible balance. Me smells something fishy
Doug Jamison
 Jan 20th, 2009
Michael Brake ??? with a heavy indian english accent and Chris Healey from Texas (Mutual Consolidated Savings)offered a rate of 3 t0 6 % on my Master Card account. Those geniuses wanted to extort 690 us $ from the Bmo via my credit cards because they are charging a too high interest rate.I cancelled immediately my BMo master Card and my American Express. Today ,I got it right on the kisser: not to be nice with people talking money. Our home is our bunker, should I repeat it to me, mellowing Dennis!
Dennis
 Dec 29th, 2008
i m not really sure that this call is a secured call and the person ask too much informations about my credit card...
Julie
 Dec 12th, 2008
I had the same story as Corey, so it's bullshit and scam company.
Be very careful !
Marco
 Nov 05th, 2008
Opinion survey is:
National Research Group, Engineering Consumer Surveys
www.householdsurvey.com, website doesn't have a phone number but is part of this set of companies. Mutual Consolidated Savings also known as MCS “Financial "Services"
MCS Wealth, MCS Holidays, Four Vacations, MCS Debt Solutions,
MCS Mutual Consolidated Programs, Island Timeshare Transfer, MCS Card Services, Mutual Savings www.mcsprograms.com

www.mcsprograms.com
Mutual Consolidated Savings
1215 Earnest S. Brazil Suite 33
Tacoma, WA 98405-4025

Contact Numbers are:
1-877-489-1212
1-877-891-1348
1-800-943-3250
1-877-701-9090
1-800-493-1304
1-888-786-6201
1-866-627-9325
1-800-961-9830

Probably can choose any number and request DNC for all MCS

affiliated/connected/associated companies and calling lists.
again
 Oct 29th, 2008
Opinion survey is:
National Research Group, Engineering Consumer Surveys
www.householdsurvey.com, website doesn't have a phone number
Also is part of this set of companies.
Mutual Consolidated Savings also known as MCS “Financial "Services"
MCS Wealth, MCS Holidays, Four Vacations, MCS Debt Solutions,
MCS Mutual Consolidated Programs, Island Timeshare Transfer, MCS Card Services, Mutual Savings

www.mcsprograms.com
Mutual Consolidated Savings
1215 Earnest S. Brazil Suite 33
Tacoma, WA 98405-4025

Contact Numbers are:
1-877-489-1212
1-877-891-1348
1-800-943-3250
1-877-701-9090
1-800-493-1304
1-888-786-6201
1-866-627-9325
1-800-961-9830

Probably can choose any number and request DNC for all MCS

affiliated/connected/associated companies and calling lists.
a
 Oct 29th, 2008
Contacts for Cruise and opinion survey are:
Cruise:
Imperial Magesty Cruise Lines/Ramada Plaza Resorts/National Travel
1-800-203-9783 and/or 1-800-441-6858, Persistent.
Ramada Plaza Resorts
Orlando/Ft. Lauderdale Vacations
Admin Offices | Records division
2419 East Commercial Blvd., Ft. Lauderdale, FL 33308
Customer Service Number: 1- 800-203-9783

Request DNC for all affiliated/connected/associated companies and calling lists.


----------------------------------------------

Opinion survey is:
National Research Group, Engineering Consumer Surveys
www.householdsurvey.com, website doesn't have a phone number
Also is part of this set of companies.
Mutual Consolidated Savings also known as MCS “Financial "Services"
MCS Wealth, MCS Holidays, Four Vacations, MCS Debt Solutions,
MCS Mutual Consolidated Programs, Island Timeshare Transfer, MCS Card Services, Mutual Savings

www.mcsprograms.com
Mutual Consolidated Savings
1215 Earnest S. Brazil Suite 33
Tacoma, WA 98405-4025

Contact Numbers are:
1-877-489-1212
1-877-891-1348
1-800-943-3250
1-877-701-9090
1-800-493-1304
1-888-786-6201
1-866-627-9325
1-800-961-9830

Probably can choose any number and request DNC for all MCS

affiliated/connected/associated companies and calling lists.
a
 Oct 29th, 2008
Just got a call from MCS programs giving me their return number of 1.888.786.6201 ext 225 for Jorsh Matthews. When I saw the website it looks legit but then say they were located in the UK and thought hmmmm someone from the UK is going to reduce my credit cards to 6%. Interesting but my got certainly is telling me NOT to act on such a great deal!
Keep listening to your gut and NEVER give out your personal info even when it sound like a fabulous deal.
Be safe!
N
 Oct 21st, 2008
sorry, but I have to add this: I used the 1-888-786-6201 number that someone else provided earlier. I used the number twice today-once in the morning and once in the afternoon, and I got a guy named Jake both times. The second time I asked for Jake's supervisor and got Ronny Walters.
Tina
 Sep 05th, 2008
I live in Quebec and speak little english. MCS said they would help me pay my credit cards etc. etc. I was sent english package and charged 700 dollars on my credit card. My friend will try to return the package and get this charge taken of his credit card. I hope he can but fear that it won,t happen and this is a scam...
Rejean Beaulieu
 Jun 13th, 2008
SCAM------------------SCAM-----------------------------SCAM----------------------------SCAM-----------
This group of Scam artists have called a friend of mine today in Sutton, Quebec Canada
They are offering credit consolidation services, for a fee................
The person on the phone asked for a $680.00 fee to open an account prior to offering services.
Sutton asked the CSR to forward all the necessary paperwork prior to moving forward and they refused.
Be aware of these pathetic individuals.
Contact your local police authorities to advise them of this scam.
Sutton Village
 May 21st, 2008
Tried several times to "press 3 to be removed from the list" did not work. several calls later, I finally found out it's MCS, claims to be based in Tacoma Wash. with phone room in Dallas Texas. did not want to give me a phone number unless I qualified first. Caller ID displays 000-000-00000. "TRUST THESE PEOPLE ONLY IF YOU'VE GOT A HOLE IN YOUR HEAD WHERE THE RAIN GETS IN."
Mike
 May 16th, 2008
Call received in past from 000-000-0000, this time got most of the Introductory message , "Mimi" asked that IF I wanted to reduce my Credit Card Debt, to press 1. (not really, but just want to get my number pulled from the Auto-Dialeer.) Speak with an Agent, however the connection, today (on a Saturday , is breaking up. Agent Claims to be Authorized by the "Canadian Credit Bureau". I explain that there is no Canadian Credit Bureau, and that I3ask for this number to be pulled from the Automatic Dialer. She says she will remove the number, but it may take afew days for the updates to be complete. I agree. I also ask for the address, and she points me to a web address of www.mcsprograms.com for the address info, and that they are based in Dallas, TX. I thank her for her patience with me today. and confirm the Inbound number for Canadians is 888-786-6201. (They only answer correctly if you allow your number to be displayed.) else they feign that they cannot hear you, and drop the call.)
Ohjay
 May 10th, 2008
we kept getting messages on the machine. Finally able to catch a call, the lady spoke with very bad broken english and it sounded lin NCS and they hung up. 2nd time it was MCS someone again with broken english and they said did I want lower rates and hung up. Third time a charmer, I acted like the kids were fooling around and I said to the kids we will leave in a minute I'M on the phone. I told them we could be interested I would discuss it with my husband and we were on our way out could I get a number. 1-888-786-6201. Was not born yesterday we NEVER GIVE out info,Where is this comapany.
canada
 May 04th, 2008
we kept getting messages on the machine. Finally able to catch a call, the lady spoke with very bad broken english and it sounded lin NCS and they hung up. 2nd time it was MCS someone again with broken english and they said did I want lower rates and hung up. Third time a charmer, I acted like the kids were fooling around and I said to the kids we will leave in a minute I'M on the phone. I told them we could be interested I would discuss it with my husband and we were on our way out could I get a number. 1-888-786-6201. Was not born yesterday we NEVER GIVE out info,
dea
 May 04th, 2008
This call came from Mutual Consolidated Savings aka MCS Programs.
Call them back at 1 888-786-6201
or visit their website at www.MCSPrograms.com
anon
 Apr 28th, 2008
I got a call from these guys tonight. Their caller ID is 888-882-3811, but they gave me a call back number or 888-786-6201. They said the credit card interest rate could be as low as 6.99%. I've already had my ID scammed before so the warning lights went off. I did not give them any card #s. I have actually already called all of my credit cards following the CBC news article on reducing credit card interest, and I did get one of them reduced. You can also get low interest Capital One cards in Canada now. I would not trust these guys, it just doesn't smell right.
See other posts on 866-627-9325.
Steve
 Apr 10th, 2008
I got a call from these guys tonight. Their caller ID is 888-882-3811, but they gave me a call back number or 888-786-6201. They said the credit card interest rate could be as low as 6.99%. I've already had my ID scammed before so the warning lights went off. I did not give them any card #s. I have actually already called all of my credit cards following the CBC news article on reducing credit card interest, and I did get one of them reduced. You can also get low interest Capital One cards in Canada now. I would not trust these guys, it just doesn't smell right.
Steve
 Apr 10th, 2008
Called to offer life time 6.9% interest rate on my credit cards. Wanted to know whick ones I have and what the numbers and expiry dates are. I refused to give this information saying that I didn't give this info over the phone. He said his name was Paul Nixon but spoke with a middle Eastern accent. He replied that his company was not a scamming company and gave me his phone number and web address www.mcsprogram.com said the name of his company was Mutual Consumer Savings Program. I couldn't find the web address and company profile to match. I called back the 1-888 number and a girl answered Hi this is Bethany thank you for calling MCS..I then hung up, but I should have asked for Paul Nixon. This is definitely some form of credit card scam or Identity theft. I should have made up a bunch of numbers and sent them on a wild goose chase. Make them work for their scam money. My cards are all up to limit so they wouldn't get much from me. Any time I have requested a credit card in the past, i wasn't asked for the card number and expiry dates and balances of my other cards. If it smells like a rat, then it probably is.
Corey
 Mar 05th, 2008

24 Comments