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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Wayne, these “Rachel” and “Card Services” or “Card Member Services” or “Cardholder Services” or “Credit Services” have <b>absolutely nothing at all to do with</b> the CMS you are referencing & provided a Web site link to. The outfits “Rachel” is calling for aren’t real company names at all – they are just phony “generic” names the current primary goal of <b>identity theft</b>.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>You didn’t try calling back the number displayed on your CallerID or you’d have learned that the number is spoofed & not even a live number. This is, according to the FCC, why they haven’t been able to stop these outfits’ violations of the TCPA.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Check out this news article:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="http://bangordailynews.com/2011/07/31/business/card-member-services-or-not/">http://bangordailynews.com/2011/07/31/business/card-member-services-or-not/</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>And, for a previous – pre-identity theft mode – incarnation check out:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="http://www.ftc.gov/opa/2010/06/asiapacific.shtm">http://www.ftc.gov/opa/2010/06/asiapacific.shtm</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Note: I’m not defending Chase here but rather pointing out that the “Rachel” calls have absolutely nothing to do with Chase. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Saundra<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> vision2020-bounces@moscow.com [mailto:vision2020-bounces@moscow.com] <b>On Behalf Of </b>Art Deco<br><b>Sent:</b> Saturday, November 19, 2011 7:35 PM<br><b>To:</b> Vision2020@moscow.com<br><b>Subject:</b> Re: [Vision2020] This Rachel person NOTHING TO DO WITH LFCU!!!<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Very confusing.</span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>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.</span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Here's some info on this number:</span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'><a href="http://800notes.com/Phone.aspx/1-877-298-8855" title="http://800notes.com/Phone.aspx/1-877-298-8855
CTRL + Click to follow link">http://800notes.com/Phone.aspx/1-877-298-8855</a></span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Read the third entry. This ties this number to CardMember Services.</span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>At <a href="http://www.callercenter.com/877-298-8855.html" title="http://www.callercenter.com/877-298-8855.html
CTRL + Click to follow link">http://www.callercenter.com/877-298-8855.html</a> DHL notes about calls from 877 298-8855:</span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><div><p class=MsoNormal><span style='color:blue'>"Credit Card Member Services. Hung up when asked for postal address. In Short - Credit card fraud. </span><o:p></o:p></p></div><div id=a16><div><p class=MsoNormal><span style='color:blue'>The caller was identified as a Scammer/Fraudster that has been reported 19 times in the past.</span><o:p></o:p></p></div></div><div><div><p class=MsoNormal><span style='color:blue'>Reported 17th, Nov. 2011"</span><o:p></o:p></p></div></div></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>CMS is a very large business who does the credit card issuing, accounting, and solicitation for a large number of clients including LFCU. <a href="https://www.cardmemberservices.com/cmsindex.html" title="https://www.cardmemberservices.com/cmsindex.html
CTRL + Click to follow link">https://www.cardmemberservices.com/cmsindex.html</a> 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.]</span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>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. </span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>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.</span><o:p></o:p></p></div><div><p class=MsoNormal> <o:p></o:p></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>w.</span><o:p></o:p></p></div><div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'><o:p> </o:p></span></p></div><div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:v2020@ssl1.fastmail.fm" title="mailto:v2020@ssl1.fastmail.fm
CTRL + Click to follow link">Saundra Lund</a> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>Sent:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> Saturday, November 19, 2011 5:51 PM<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>To:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:deco@moscow.com" title="deco@moscow.com">'Art Deco'</a> ; <a href="mailto:Vision2020@moscow.com" title="mailto:Vision2020@moscow.com
CTRL + Click to follow link">Vision2020@moscow.com</a> ; <a href="mailto:debismith@moscow.com" title="debismith@moscow.com">'deb'</a> ; <a href="mailto:idahovandal1@live.com" title="mailto:idahovandal1@live.com
CTRL + Click to follow link">'Carl Westberg'</a> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>Subject:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> RE: [Vision2020] This Rachel person NOTHING TO DO WITH LFCU!!!<o:p></o:p></span></p></div></div></div><div><p class=MsoNormal><o:p> </o:p></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Sorry, but Rachel from Card Services has <b>nothing</b> 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.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>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.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>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.”<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>WARNING: do NOT be tempted to opt out either as a part of the script or when calling back the supposedly “valid” phone number </span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>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.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>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.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>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.)<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>For those interested in filing complaints, here’s a starting place:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><a href="http://esupport.fcc.gov/complaints.htm?id">http://esupport.fcc.gov/complaints.htm?id</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Be aware:<o:p></o:p></span></p><p style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>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. </span><o:p></o:p></p><p style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>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. </span><o:p></o:p></p><p style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>We invite you to visit the FCC’s Consumer & Governmental Affairs Bureau’s Internet web site at <a href="http://www.fcc.gov/cgb">http://www.fcc.gov/cgb</a> 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]. </span><o:p></o:p></p><p style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Sincerely,</span> <o:p></o:p></p><p style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Sharon C. Bowers, Division Chief</span> <br><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Consumer Inquiries & Complaints Division</span> <br><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Consumer & Governmental Affairs Bureau</span> <o:p></o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>HTH,<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Saundra Lund<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:vision2020-bounces@moscow.com">vision2020-bounces@moscow.com</a> <a href="mailto:[mailto:vision2020-bounces@moscow.com]">[mailto:vision2020-bounces@moscow.com]</a> <b>On Behalf Of </b>Art Deco<br><b>Sent:</b> Saturday, November 19, 2011 12:39 PM<br><b>To:</b> <a href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a><br><b>Subject:</b> Re: [Vision2020] This Rachel person<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>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.</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>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.</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>w.</span><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'><o:p></o:p></span></p></div><div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'><o:p> </o:p></span></p></div><div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:idahovandal1@live.com" title="mailto:idahovandal1@live.com
CTRL + Click to follow link">Carl Westberg</a> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>Sent:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> Saturday, November 19, 2011 12:01 PM<o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>To:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> <a href="mailto:vision2020@moscow.com" title="vision2020@moscow.com">vision2020@moscow.com</a> <o:p></o:p></span></p></div><div><p class=MsoNormal style='background:whitesmoke'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>Subject:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> [Vision2020] This Rachel person<o:p></o:p></span></p></div></div></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>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? <o:p></o:p></span></p></div><div class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'><hr size=2 width="100%" align=center></span></div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>=======================================================<br> List services made available by First Step Internet,<br> serving the communities of the Palouse since 1994.<br> <a href="http://www.fsr.net">http://www.fsr.net</a><br> <a href="mailto:Vision2020@moscow.com">mailto:Vision2020@moscow.com</a><br>=======================================================<o:p></o:p></span></p></div></body></html>