Opinions in comments that appear in this blog belong to the individuals who expressed them. To protect your privacy and the privacy of other people, please do not include personal information. The comments posted on this blog become part of the public domain. We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. To file a detailed report about a scam, go to. We won’t post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses.We won’t post threats, defamatory statements, or suggestions or encouragement of illegal activity.We won’t post comments that include vulgar messages, personal attacks by name, or offensive terms that target specific people or groups.We won’t post off-topic comments, repeated identical comments, or comments that include sales pitches or promotions.We expect commenters to treat each other and the blog writers with respect.
We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. But keep in mind, this is a moderated blog. Your thoughts, ideas, and concerns are welcome, and we encourage comments. The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. You shouldn’t be getting these calls unless you have given the specific company that called you permission to make prerecorded calls to you.ĭid you spot a credit card interest rate reduction scam, or get a robocall? Tell us about it at ftc.gov/complaint. The best way to deal with a robocall is to hang up. Hang up on unsolicited pre-recorded sales calls.It’s illegal for a company to charge a fee before performing a debt relief service, such as reducing your credit card’s interest rate.Once a scammer has your data, they can use it to commit other fraud against you. Don’t share your credit card, bank account or Social Security numbers, or any other personal information, with telemarketers who call you out of the blue.Call the customer service number on the back of your credit card and ask the company directly for a lower rate.
#HORIZON DIRECT CHARGE ON CREDIT CARD HOW TO#
Here’s how to protect yourself from this type of scam: They also sent people invoices, charging them for those cards. And, even when the people they called refused to use their service, the marketers used that personal information to apply for credit cards on behalf of those people, without their knowledge or consent. The companies also collected Social Security and credit card numbers, security codes, and other personal information over the phone. Instead, the FTC alleges that most people ended up paying extra balance transfer and other fees that they weren’t told about, in addition to the companies’ hefty fee. But, says the FTC, people never got the financial relief they were looking for. They also promised thousands of dollars in savings. For an upfront fee, these companies falsely guaranteed zero percent interest rates for the life of people’s credit card debt. Their goal, says the FTC, was to sell a bogus credit card interest rate reduction service. So what about those companies that call with a “guaranteed” credit card interest rate reduction offer (for a small fee) and a promise to save you thousands of dollars? Most likely, it’s a deal designed to dupe you out of money.Īccording to a complaint by the FTC, three marketers behind the companies CSG Solutions and Second Choice Horizon targeted financially distressed people with illegal robocalls and telemarketing. Finding ways to lower those bills - sometimes by simply calling your credit card company directly and asking for a lower rate - can save you lots of cash. Monthly credit card bills can be a drag, especially when you’re feeling financially strapped. Identity Theft and Online Security Show/hide Identity Theft and Online Security menu items.Unwanted Calls, Emails, and Texts Show/hide Unwanted Calls, Emails, and Texts menu items.Money-Making Opportunities and Investments.Jobs and Making Money Show/hide Jobs and Making Money menu items.Credit, Loans, and Debt Show/hide Credit, Loans, and Debt menu items.Shopping and Donating Show/hide Shopping and Donating menu items.
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