[Vision2020] This Rachel person NOTHING TO DO WITH LFCU!!!

Sun Nov 20 02:45:56 PST 2011

Wayne is correct. Latah Credit Union has had their client information ripped off several times. I was issued two new cards because their customer information was stolen. They also have been targeted by a text messaging scam. 

Donovan Arnold

________________________________
 From: Art Deco <deco at moscow.com>
To: Vision2020 at moscow.com 
Sent: Saturday, November 19, 2011 8:35 PM
Subject: Re: [Vision2020] This Rachel person  NOTHING TO DO WITH LFCU!!!

Very confusing. 

This week I received another call from the 
sparky Rachel.  The caller id was 877 298-8855.  I am 
tracking some of these annoying calls with my smart phone. 

Here's some info on this number: 

http://800notes.com/Phone.aspx/1-877-298-8855 

Read the third entry. This ties this number 
to CardMember Services. 

At http://www.callercenter.com/877-298-8855.html DHL 
notes about calls from 877 298-8855: 

"Credit Card Member Services. 
 Hung up when asked for postal address. In Short - Credit card fraud.   
The caller was identified as a 
Scammer/Fraudster that has been reported 19 times in the past.  
Reported 17th, Nov. 
2011" 

CMS is a very large business who 
does the credit card issuing, accounting, and solicitation for a large 
number of clients including LFCU.  https://www.cardmemberservices.com/cmsindex.html  
CMS is part of the Chase Bank financial network.  Chase bank was implicated 
in the Madoff fraud as well as for other fraudulent practices.  As the 
parent company they may not be "officially" aware that CMS is soliciting for a 
client or clients that are scam artists.  [Some patient Googling will show 
how depraved Chase Bank is.] 

I did not intend to insinuate that LFCU is to be 
blamed for these "Rachel" and similar calls.  CMS runs a very large, very 
aggressive credit card solicitation business for several clients, and it 
uses many, many techniques to find live, plausible telephone numbers.   

However, my other remarks about LFCU stand.  
As far as I am concerned the problems started shortly after they hired from 
outside a new chief executive.  I didn't understand this hire because in my 
opinion they had an excellent in-house candidate who understood the membership 
and the business very well, and in whom I had a great deal of trust -- she 
kept LFCU out of trouble when many banks and credit unions found 
themselves in deepening holes. 

w. 

From: Saundra Lund  
Sent: Saturday, November 19, 2011 5:51 PM 
To: 'Art 
Deco' ; Vision2020 at moscow.com ; 'deb' ; 'Carl Westberg'  
Subject: RE: [Vision2020] This Rachel person NOTHING TO DO WITH 
LFCU!!! 

Sorry, 
but Rachel from Card Services has nothing to do with LFCU!!!  The 
whole thing is a well-recognized identity theft scam & we’ve been getting 
calls from Rachel for a very long time now & I’ve continued to file 
complaints with the FCC.  I’m not sure the info Ron posted is accurate, but 
it could well be – I personally was given different information about the 
origins a year or two back. 

Until 
recently, the calls were made with spoofed (both name & number) CallerID 
info likely using VoIP or PRI lines, so calling back (and even tracing) is 
impossible – typically, the phone number displayed would be blank or wouldn’t be 
a real number (pretty easy to spot).  Further, the calls seem to come from 
a variety of “outfits,” so it’s not like there’s only one outfit behind the 
calls.  And, if anyone has pushed through to talk to a live person, odds 
are you’ve been subjected to their standard verbal abuse, lies, & just being 
hung up on. 

More 
recently, I’ve been getting a slightly different script from Rachel & her 
robocalls, along with the standard old ones.  On 11/10, Rachel called for 
“Credit Service” with the standard line, but there was a new addition:  an 
apparently valid phone number (1-701-661-1003) along with an option in the 
script to “opt out.” 

WARNING:  
do NOT be tempted to opt out either as a part of the script or when calling back 
the supposedly “valid” phone number because 
if you don’t fall for the identity theft part (intrinsic in the “lower credit 
card rate“ scam), then opting out will flag your phone number as a “live” number 
(the initial calls are made by sequential auto-dialing) & they’ll sell it 
all over the world, so you’ll get even more unwanted phone 
calls. 

Thus, 
at least one of “Rachel’s” gigs has figured out a way to make money off 
consumers who don’t fall for the identity theft component. 

Of 
course, I still get the standard “Rachel” calls from outfits who haven’t yet 
figured out that despicable twist & still are violating the TCPA by spoofing 
CallerID info (two in the last 24 hours:  one displayed no phone number 
& the other displayed a phony number.) 

For 
those interested in filing complaints, here’s a starting 
place: 
http://esupport.fcc.gov/complaints.htm?id 

Be 
aware: 
Thank you for 
contacting the FCC regarding possible violations of the Telephone Consumer 
Protection Act (“TCPA”) and the Commission’s telemarketing and junk fax 
rules.   Information provided in consumer complaints like yours helps 
the Commission to combat abusive or unlawful practices in these areas, including 
taking enforcement actions against individuals or companies. In this regard, the 
Communications Act authorizes the Commission to issue citations and, in some 
cases, impose substantial fines upon entities that violate telemarketing and 
junk fax rules.   
Although the 
Commission does not resolve individual complaints, each complaint is 
individually analyzed and assists us in enforcement actions to protect consumers 
like yourself.  You should be aware that the TCPA also provides for 
enforcement of the telemarketing and junk fax rules by state attorneys general 
and by individual consumers.  With respect to the latter, the TCPA permits 
individuals who have received certain unlawful telemarketing, such as junk faxes 
or telemarketing calls, to sue the violator in state courts where they may be 
awarded up to $1500 for each violation.   
We invite you to 
visit the FCC’s Consumer & Governmental Affairs Bureau’s Internet web site 
at http://www.fcc.gov/cgb for more 
information. You may also call the FCC’s Consumer Center toll free at 
1-888-CALL-FCC [1-888-225-5322], TTY: 1-888-TELL-FCC [1-888-835-5322].   
Sincerely,  
Sharon C. Bowers, 
Division Chief 
Consumer Inquiries 
& Complaints Division 
Consumer & 
Governmental Affairs Bureau  
HTH, 
Saundra 
Lund 

From:vision2020-bounces at moscow.com [mailto:vision2020-bounces at moscow.com] On 
Behalf Of Art Deco
Sent: Saturday, November 19, 2011 12:39 
PM
To: Vision2020 at moscow.com
Subject: Re: [Vision2020] This 
Rachel person 

The company is 
CardMember Services.  The same company that issues Visa cards for Latah 
Federal Credit Union.  This card is a real rip-off.  LFCU switched 
from a card one that was reasonable and with fees that one would expect 
from a credit union, not a greedy bank. 

If I were going to 
be in the area longer I would sever my connection with LFCU.  The customer 
service people are very nice, but the organization has moved from credit union 
practices to those more like a bank. 

w. 

From:Carl Westberg  
Sent:Saturday, November 
19, 2011 12:01 PM 
To:vision2020 at moscow.com  
Subject:[Vision2020] This 
Rachel person 

From "Credit Card 
Services" is starting to tick me off.  Over the last few weeks, I've 
received my "second and final notice" to answer this urgent call approximately 
1,137 times.  I'm beginning to not like Rachel.......and how in the world 
do these crooks get away with this?   

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