Thanks for the great efforts and the information!

Clear Breeze Financial Soulusions is the name of a company I have been dealing with that is located in Smyrna, Georgia. It sounds as if that is the name of the company in all of the above comments because of the similarities in their way of business. I have been succesful in reaching them at (877) 383-7748 so if any one wants to give that number a shot please take it. I am in the process of complaining to the Attorney General of Georgia about their business practices and I encourage everyone to do the same. The phone number of the Office of the Attourney General of Georgia is (404) 656-3380. I hope this helps us all with these lizards. Oh sorry, didn't mean to insult lizards!! ;-) tortellinicat

I got them to give me a call back number. It is 1800-436-7927. I called and got an automated machine.

I got a call today and caller ID said Private Caller.
The recording wanted me to immediately lower my interest rates on my credit cards.
So when they finally answered "Card Services thank you for calling" I told the man on the phone that they called me but I might be interested in their deal.
He slammed the phone down.

This website has a complete recorded call with commentary that shows the various techniques that these guys will use to try to get you to part with your personal information:

http://www.matthew4.com

Just got a call from these idiots. Played along and hit 1...when the guy comes on he asks if I would like to lower my credit card interest rates. I ask him which one of my credit card companies he is with. He says he is with card services, I say which of MY companies are you with, he says we represent all of them and is starting to get huffy. I state to him that I am a fraud investigator with the State Attorney General's Office (True) and he yells in my ear to "Shut UP" and hangs up on me. Number was from 5-062-289-2733...haven't run a trace on it yet but it is of course spoofed....what idiots....when I get some time I am going to see what I can trace on these idiots.

There's a special level in hell for these people. They need to go to jail and deserve a bullet in the head. Just got call #15 this year from these assclowns. I've asked four times to be taken off their calling list and was hung up on instantly all four times. I've mentioned to them that my number is on the do not call list and one lady asked me "Are you more worried about an unsolicited call than saving money on your credit card rate?"

All of these people have American accents, most of them Southern.
Most recent number was 5-062-222-2658. I don't even know what kind of phone number that is, but the voice was American. Probably being routed internationally then back to the US.

The fact that they're unsolicited is bad enough. But the fact that they actually want to steal to me, and that I am on the phone with a true and real THIEF really PISSES ME OFF!!! I've reported them to the do not call registry EVERY TIME.

If just ONE of these assholes would make the mistake of giving me a real address, I'd go beat the everloving dog shit out of them.

People, please stop typing the phone numbers showing up on your Caller ID box... The numbers are all fake (spoofed), so attempting to call them back, *69, or posting the # here is a waste of time.

Many people seem to believe "Financial Services" is: Clear Breeze Solutions, 2778 Cumberland Boulevard, Suite 370, Smyrna, Georgia, 30080. CLEARBREEZESOLUTIONS.COM Telephone # 877-383-7748. I used to live in GA and that is right in the middle of a major suburb/huge office complex area. Maybe someone who lives in the area would like to pay them a visit?? ;-) Strangely, though, one guy above who claims he worked for them says they are in FL. Another poster also said he worked there. (If you guys really worked there, why aren't you giving up the company name?) Maybe they have multiple locations (I'm sure they have plenty of registered LLC's and domain names they hide behind)... I've also seen people in this forum claim they are http://www.leverageconnection.com and www.interestsavingstoday.com (affiliated with Fox TV host Dave Ramsey). I say report all of these companies on donotcall.gov every time you get a call... If enough people report the same company, hopefully they will do something. All these companies sound shady anyway so what have you got to lose? It only takes like 15 seconds to fill out the form, and you can use the Back button in your browse to submit 10-20 reports at a time and just change the time they called (all other fields are the same). I recommend using a program like RoboForm.com (free) to automate filling out the form each time you hit back, since it gets cleared by your browser...use the same type of automation to get back at them as they are using to harass you (robot technology)! Good luck. :-)

(my keyboard is messing up, so sorry for any errors I didn't catch)
I got called seveal tmes from them,
the caller id info I go was:
Unknown Name
062-271-8186 (spoofed number)

Knowing this was a scam, I pressd "1" to play along.
After a fewutes the guy on the other side of the phone asked me if I was calling
to lower my interest rates. I said yes.
He went on to say he was with Card Services, the people on he back of my credit card with
the 800 number. I said that all my creditards hve different 800 numbers. He said tht is because
they are with a department of my credit card. (yeah, that makes sense LOL)

He went on t ask me questions abou how much I owe etc. I answered yes to each question.
Then he mentioned hisname was Kevin Downey, and his mnager was Robert armella.
He gave me his number as "(800) 4211-221 (disconnected).

I decided to hang up at that time, just to check the phone number out.

Apevous time I told them I was on th DNC list, nd hd his phon numer from his caller id.
\He laughed and aid "No you don't"

If this was a valid offer, and from your credit cardS, they would already have all the information.
Do you really think your credit card company is going to call you and offer to make less money?

DO NOT EVER EVER GIVE INFORATION OUT OVER THE PHONE!
You NEVER know who is really on the other side, no matter who they say they are.

When receiving a “Heather” call I have tried several times, more like 10-20 times, to talk with a manager or asked to be removed from their do not call list only to be hung up on...100% of the time! So I came up with a stress releasing approach to handle all "Heather" calls.
First, go purchase a blow horn. If you can not find one any ref whistle will work.
Second, get some ear protection. I happen to have a pair of noise cancelling head phones.
Third, wait for a call. When you receive the call put on your noise protection, answer, place on speaker and press one.
Lastly, when the "polite" rep answers the phone blow as hard as you can, or press the nozzle. The reactions are priceless! Anywhere from a shriek of fright to a rant of swears that make Dice Clay seem like a saint! And the stress? There is none.
Rinse and repeat.
Enjoy!

... and I talk to customers who've been fooled by this on a daily basis.
The really sad thing is that my company alone has lost over $13,000,000 in the last year because of the "no liability for fraud" deal on Visa cards.
Anyone want to venture a guess why all of the banks are in such trouble now?
This is frustrating for those of us who take cardmember calls, not just because we hate to see people being screwed with, having their credit hurt and automatic-payments messed up because scammers have put them overlimit...
It's frustrating because at U.S. Bank we've always had a great deal of freedom when it comes to reversing late fees and overlimit fees. This freedom has been taken away from us now because of the current problems in the banking industry.
Torture and jail time is too good for these ass-monkies.

Omg it was the most horrible job ever. they trained us for 2 hours after filling out our application. didnt even put us on the phones to see if we were good enough. just said come back monday. so i did. and the calls came through like there was no tomorrow. i heard all the senior reps getting hung up on. most of them couldnt even get a sale because people were not that dumb. well on my end some people almost got scammed but decided to hang up. then i had one guy pretend he was giving me his number and ended up cussing me out calling me a stupid bitch. but you know what i realized??? here i am 21 years old living alone trying to make ends meet for myself. i needed a job bad. i did NOT know they were scamming people until i had a guy who was actually kind enough to tell me without cussing at me. he said sweetheart you sound really skilled and professional. dont you know this is a scam? and i said no because at the time i didnt. he said the number showing up is a number outside the us. they probably stole this number or bought it from some other country to use over here to scam people and take their credit card information. then he said how long have you been in sales? i said a year but that was my 2nd call center job. he then went on to say now how about you take your skills and go find a job thats really helping people and not hurting them. and i said you know what im gonna take your word after we hang up im walking out. and i did. i think the best way for you all to get through to the employees is NOT by getting frustrated and cussing them out because they dont care they move on to the next call like you never existed. thats what the taught us to do. the saying around there is oh well if someone hangs up the next person will buy it. so why yell? what got to me was when that man broke me down and made me feel like yes i do have skills why not work somewhere thats legit and really helping people. and dont worry i already reported them. what they will do to stop this? i dont know those answers but im sorry guys. and i think they never take your numbers off the do not call list. personally i think we have you verify it so we can keep it on record to call you back. so if they ask for your number to take you off the list dont give it to them. we write it on paper that probably gets thrown out at the end of the day.

Here's a challenge to someone. I finally hit the 1 to talk to these clowns. In hindsight, I should have asked how I can become a highly paid phone rep just like them. Maybe I will next time they call, and see if I can get anywhere.

If anyone else tries, please post it here.

Ok - I just had them on the phone for about 40 minutes. Here is my technique for wasting their time. This technique allows you to get some work done as well.

- Accept the call and tell them you need help in lowering your credit card.

- Take your time answering the initial questions.

- When they ask for a credit card number don't give it to them but tell them that you need to go to the car and get it. Put them on mute and just have them wait until they check to see if you are still there. This can be done for a good 5-10 minutes.

- Then once you give them a fake credit card #, tell them to hold on. You have something to do. They wait another five minutes.

- They will ask you for 1-800 #'s to verify the credit card #. I give out wrong #'s for first two. Then I give them toll free #'s for the FCC, FTC and other government agencies.

- Every time I give them a 1-800 number I tell them my wife just took my card to purchase something on Amazon and that I need to go get it. Again, hold them for five minutes.

By this time - or sooner - the supervisor (usually Heather) should have come on. She's probably angry that the idiot they hired can't verify your credit card number will be a bit pissed off. At this stage, they're on to you. At this point, I give them a local police #. This time they told me they were calling from LA and the last number I gave them was for the LAPD - which Heather called.

Heather came back on the phone and was livid and said, and I quote: " Sir! I have reported you to the FCC and they will be coming after you!"

I said in reply, "Oooh, I'm soooooo scared Ms. Heather."

Of course, she had already hung up by then.

Still waiting for the FCC to show up.

By the way, to get work done just keep working while you have them wait on hold.

I have been getting calls from these companies (Credit Card and Auto Warranty) now for about 6 months even though I'm on a do not call list. When I would call the number on my caller ID it would say that the number is disconnected or no longer in service. How can this be, they just called me. Each time the number was different but with the same computer intro. I decided to try to gather as much info as possible and take their calls. If they are going to waste my time then I will waste theirs by keeping their reps on line as long as possible with no sale results. I figured it may be the only way to get them to leave me alone. When I would get to a live person, they would hang up on me if I asked for a phone number or name of the company, or a manager. Tonight I got a call at 7:00 pm. After a 10 minute hold time I got to a live rep who was vague about how he was going to save my credit card debt by negotiating a lower interest rate. I asked how they can do this and he said that they are the lawyers of the credit card industry. I asked for a phone number so I could call back after doing some research since I will be giving out personal data. He told me that I would recieve all of that info after I qualify and kept pushing to get my CC number. The more questions I asked about security, the more he raised his voice and forcefully educated me on my rights as a credit card holder. He did slip up and told me that the name of the company is Clear Breeze Solutions and that he was calling from Chicago. The caller ID number was 062-241-9883. (fake) I googled the company and found tons of people complaining about these people. (Stopping Heather, David Barnea, etc.)My advice...RUN and don't give out your info to anyone. Let's do our best to shut down these blood suckers. I appreciate the former employees who truthfully came forward here.....Keep the callers on the line as long as possible and don't give them your info. FIGHT BACK!

I get these calls sometimes almost every day. I now totally waste their time which is the only thing that will cost them money. I routinely say I want to reduce my interest rate and give them a fake MasterCard number. When they can't verify the number, I tell them that they had one digit off and on it goes until I usually get to a "closer" aka supervisor. I keep them going for as long as possible until I finally say something off to the side of the phone mouthpiece like, "Is that long enough?". I then tell them that our call is being recorded and traced by the Henderson, NV police department (use your local Police name) and then proceed to ask them how long they have been criminals and if they are proud of themselves...? A lot of times if I am really pissed, I end up cussing them out with words I cannot use here... I sometimes even abuse them by engaging in really nasty phone sex.... I will leave the details up to your imagination but, it is free after-all and you can get into the filthiest and nastiest weirdness that you can think of.... GO FOR IT! If everyone wasted a lot of their time, they would have to give up this scam since they would really start losing money fast! It does no good to tell them to leave you alone since the auto-dialer does not care who it calls or how often...

If I don't have the time to screw with these thieves, I will tell them right away that the call is being recorded and traced by the Police. I really get some of them a little flustered at times. It is little consolation but, it feels like I am at least scamming the scammers a little bit...

Maybe now that I know who the real companies are that make these calls, I will have to start racking up 800# calls to them to waste even more of their money and time...

… Account services and we are calling in reference to your current credit card account, there is no problems currently with your account. It is urgent how ever that … concerning your eligibility for lowing your interest rates. With little as 6.9%. Your eligibility expirers shortly so please consider this your final notice, please press one now on your phone to speak with a live operator and lower your interest rates or press two to discontinue further notices thank you and have a great day. Please hold while your call is bring transferred to a live agent.
Thank you for holding did you press one to reduce your interest rates today.
Do you currently own more than 3000 dollars in credit card debit?
Are your interest rates above 12%?
Basically what I’m here to do is help you get out of debt 3 – 5 times faster
All I need is you to verify the spelling of your last name
And to verify your phone number
I need and account that has not been due for the past 6 months that has a balance with a good available credit the reason for that is the more money you have available the more leverage we have to reduce your rates on all of you accounts.
About how many credit cards do you have?
Over all how much debt do you think you owe?
What I Basically need is an account that has not been past due for the past six months with a good available credit, and on the back of the card or on the statement there should be a 1-800 number, that I will need. That’s the customer service number and basically what we do is we verify your account to make sure you are who you say you are and that you do have a debt over 3000 dollars. Once we know that we will be able to negotiate your rates.
Basically what it is that we are on an automated system, what it is that the bankers and creditors put it in to show us you are like a valid customer and that you make your payment. So they recommend people ….
I need a Visa or MasterCard
I need the 1-800 number on the back of the card
And what is the expiration date on that card; I need the month and the year.
Ok and what is the 16, what is the account number on that card?
4313 0000 0000 0000
Ok what is the last 4 digital of your social?
I need you zip code.
Ok what I’m going to go ahead and do is to place you on hold and I’m going go a head and verify this account. Hold On.
Hello Sir, this is Duane Smith I’m a floor supervisor here at account services, can you verify that number on the Chase Credit Card Account?
We need to verify that you even qualify for the service we have every thing we need to do that I just need to verify the account number is correct. Can you verify that number one more time starting with the four? The Chase Visa.
…click

I got a call today on my cell to lower my rate to 6.9%.

The # was 86-5062-226-7535.

I am SO sick of these calls...NEVER give info to anyone. Shame that we cannot trust people...

That all makes sense. Good luck stopping them. The whole thing is a nuisance...

Anyone else thinking that heatherwithaccountservices.com is the scam within the scam? They have likely generated the entire thing to set up a "donation" site to scam you. Sort of like the arsonist being a fire fighter. Anyone check out their credentials?

Repeating my previous post:

People, if you want to learn about the company behind this scam go to the web site www.heatherwithaccountservices.com where they are in the process of being exposed (company names, owners names, etc.). THIS is the information you need for reporting to the FCC, DNC your state's Attorneys General offices AND the Florida BBB and Florida Attorney's General office, because the company and its owner reside there. Reporting them using one of their fake business names (Account Services, Card Services, Consumer Services, etc.) or the spoofed numbers that show up on your Caller ID (they use different ones sometimes daily) will not result in action being taken, but if everyone reported the real company name (it's PHL International owned by American Debt Negotiators, both owned by a Ran David Barnea), then authorities have something real to act on.

Just go to the aforementioned website and you'll have what you need to know to help put a stop to these criminals.

Today I had the "pleasure" of speaking with an operator for a company called Card Services. Apparently they sent me a letter 6-8 weeks ago about their fabulously low interest rates of 6.9%. I didn't remember receiving any letter like this and if I had chances are it was in the trash. As I was transfered to another operator, I was asked how many credit cards I had and about how much debt I owed. She then explained that she wanted to see if I qualified for these low interest rates. Seems to me like she would already know this if she was calling me. Now, my grandmother coming out in me says, "If it sounds too good to be true, it probably is!". Well I decided to play along anyway. I started asking her about the letter and what the name of her company was. She then proceeded to tell me that she needed my credit card numbers to see if I qualified. I said well they are in my purse in the car. (Like I leave my purse in the car!) She said she'd gladly hold a moment while I went to retrieve them. I started laughing. I said so let me get this right, you want me to go get my cards and sit here and read the numbers off to you while you jot them down? I said are you freaking crazy. She actually said, no I'm not crazy! LOL! I said well you obviously are if you think I'm going to sit here and hand my account numbers over to you. I said you'd have a shopping spree done on the internet before I could get off the phone with you! I said I tell you what, I'll consider doing business with you if you send me another copy of your letter (yeah right!). This is when she hung up! Thank God I was on my toes today! The phone number on my caller ID was 1-808-298-6462 out of Wailuku, HI. When you call the number it directs you to www.virginmobileusa.com So I've called Virgin Mobile and put them on notice about this obvious scam and faux company. While I'm writing this I've had another idiot call! This has got to be stopped and stopped soon!!!!!!

Normally I never give any information at all. Today was the perfect time for a scammer to contact me. I had spinal surgery 4 days ago and to put it lightly I am not on my toes. I accepted the huge fee of $998.00 and I know there is no way that I could recoup that on a balance of $5400 at 19.99% even lower to 6.9% that they promised.
I tried to get information on the company, the person that made the call was "Whitney Gray" with Card Services who transfered me to her manager whose name was "Judah Smith" with Interest Savings Today. I kept asking questions but did not get an answer that made since to me even in my drugged state. I got a call back number of 888-512-8875. When I first tried to reach them, they were closed. I called my credit card company and shut down my card. I tried to go on line and view my account but access has been denied. They were very helpful. I did finally reach someone at the 888 number who was not familiar with Judah Smith but I did have my confirmation number and they took that. I will check back with my credit card company in a few days to see if anything has happen.
Thanks, to each of you for posting this information that got me to working on it even though it meant staying off the meds until it was done.
Thanks to all of these posting I came to my senses drugs and all.