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<DIV><FONT size=2 face=Verdana>Very confusing.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>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.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>Here's some info on this number:</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana><A
title="http://800notes.com/Phone.aspx/1-877-298-8855
CTRL + Click to follow link"
href="http://800notes.com/Phone.aspx/1-877-298-8855">http://800notes.com/Phone.aspx/1-877-298-8855</A></FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>Read the third entry. This ties this number
to CardMember Services.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>At <A
title="http://www.callercenter.com/877-298-8855.html
CTRL + Click to follow link"
href="http://www.callercenter.com/877-298-8855.html">http://www.callercenter.com/877-298-8855.html</A> DHL
notes about calls from 877 298-8855:</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV>
<DIV class=complainttopleft><FONT color=#0000ff>"Credit Card Member Services.
Hung up when asked for postal address. In Short - Credit card fraud.
</FONT></DIV>
<DIV id=a16 class=complaintcontent>
<DIV class=complaintnote><FONT color=#0000ff>The caller was identified as a
Scammer/Fraudster that has been reported 19 times in the past.</FONT></DIV>
<DIV class=clear><FONT color=#0000ff></FONT></DIV></DIV>
<DIV class=complaintbottom>
<DIV class=complaintreported><FONT color=#0000ff>Reported 17th, Nov.
2011"</FONT></DIV></DIV></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>CMS is a very large business who
does the credit card issuing, accounting, and solicitation for a large
number of clients including LFCU. <A
title="https://www.cardmemberservices.com/cmsindex.html
CTRL + Click to follow link"
href="https://www.cardmemberservices.com/cmsindex.html">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.]</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>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.
</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>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.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>w.</FONT></DIV>
<DIV style="FONT: 10pt Tahoma">
<DIV><BR></DIV>
<DIV style="BACKGROUND: #f5f5f5">
<DIV style="font-color: black"><B>From:</B> <A
title="mailto:v2020@ssl1.fastmail.fm
CTRL + Click to follow link"
href="mailto:v2020@ssl1.fastmail.fm">Saundra Lund</A> </DIV>
<DIV><B>Sent:</B> Saturday, November 19, 2011 5:51 PM</DIV>
<DIV><B>To:</B> <A title=deco@moscow.com href="mailto:deco@moscow.com">'Art
Deco'</A> ; <A
title="mailto:Vision2020@moscow.com
CTRL + Click to follow link"
href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</A> ; <A
title=debismith@moscow.com href="mailto:debismith@moscow.com">'deb'</A> ; <A
title="mailto:idahovandal1@live.com
CTRL + Click to follow link"
href="mailto:idahovandal1@live.com">'Carl Westberg'</A> </DIV>
<DIV><B>Subject:</B> RE: [Vision2020] This Rachel person NOTHING TO DO WITH
LFCU!!!</DIV></DIV></DIV>
<DIV><BR></DIV>
<DIV class=WordSection1>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">For
those interested in filing complaints, here’s a starting
place:<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Be
aware:<o:p></o:p></SPAN></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">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: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">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: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">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: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Sincerely,</SPAN>
<o:p></o:p></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Sharon C. Bowers,
Division Chief</SPAN> <BR><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Consumer Inquiries
& Complaints Division</SPAN> <BR><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Consumer &
Governmental Affairs Bureau</SPAN> <o:p></o:p></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">HTH,<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Saundra
Lund<o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<DIV>
<DIV
style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; PADDING-BOTTOM: 0in; PADDING-LEFT: 0in; PADDING-RIGHT: 0in; BORDER-TOP: #b5c4df 1pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 3pt">
<P class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">
vision2020-bounces@moscow.com [mailto:vision2020-bounces@moscow.com] <B>On
Behalf Of </B>Art Deco<BR><B>Sent:</B> Saturday, November 19, 2011 12:39
PM<BR><B>To:</B> Vision2020@moscow.com<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-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">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-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">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-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">w.</SPAN><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p> </o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">From:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
title="mailto:idahovandal1@live.com
CTRL + Click to follow link"
href="mailto:idahovandal1@live.com">Carl Westberg</A>
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">Sent:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> Saturday, November
19, 2011 12:01 PM<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">To:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> <A
title=vision2020@moscow.com
href="mailto:vision2020@moscow.com">vision2020@moscow.com</A>
<o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=MsoNormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">Subject:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> [Vision2020] This
Rachel person<o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"><o:p> </o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">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 style="TEXT-ALIGN: center" class=MsoNormal align=center><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">
<HR align=center SIZE=2 width="100%">
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