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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, I'm not sure the point you're trying to make, but it seems to me you’re misunderstanding the "complaints" on those sites, which are just reporting the spoofed CallerID info & the recorded spiel. The posters aren’t verifying anything because they can’t: the spoofed phone number that shows on CallerID isn't live.<o:p></o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Did you bother listening to the sample audios at the FTC link I sent? If you did, you'd hear our pal Rachel -- the particular recording IDs itself as being from "Cardholder Services," but I know from personal experience Rachel's script varies & includes "Card Member Services" amongst other similar but equally phony company names.<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>You seem to think you've found some smoking gun all the investigators have missed. Please show me where you can link the real CMS to that phone number you keep posting because it sure isn't showing up on the real CMS Web site or any other verified sources. You keep posting links that are nothing more than things people are reporting as showing up on their CallerIDs, information that is undoubtedly and illegally spoofed, pure & simple.<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>As for calling the number from a pay phone, feel free. I've told you <b>twice</b> now that the number isn't live, which I know because I tried calling it. If you don't believe me, knock yourself out :-)<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>For those who didn't click through to the links I provided, I'll paste the text from one:<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'><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:"Arial","sans-serif"'><o:p> </o:p></span></p><h1 style='margin-left:.5in;background:white'><span style='font-size:11.0pt;color:black'>Card member services or not?<o:p></o:p></span></h1><p class=MsoNormal style='margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:#777777'>By <a href="http://bangordailynews.com/author/russ-van-arsdale/" title="Posts by Russ van Arsdale">Russ van Arsdale</a>, Executive Director, Northeast Contact<o:p></o:p></span></p><p class=MsoNormal style='margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:#AAAAAA'>Posted <span class=date>July 31, 2011,</span> at <span class=time>7:57 p.m.</span><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>Phones have been ringing all over Maine in recent weeks. Every time, the message is the same.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><b><span style='font-size:11.0pt;color:black'>“This is Rachel from Card Member Services …”</span></b><span style='font-size:11.0pt;color:black'> Most readers can probably recite the rest of the message by heart. Rachel is calling to assure you that nothing’s wrong with your credit, but she can help you lower your interest rates.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>The next sound heard on those phones across Maine is the click of the handset hitting the cradle, as one after another of us hangs up in disgust.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>This robot disguised as a woman has been calling, off and on, for four or five years now, and we’re all pretty tired of her rap. It has to be a scam — who’s going to offer us lower interest rates in this economy? Who is she kidding?<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><b><span style='font-size:11.0pt;color:black'>It’s no joke. It is a serious attempt by crooks to take your money. <u>And it has been slick enough to date that neither state nor federal officials have been able to stop it.</u><o:p></o:p></span></b></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><b><span style='font-size:11.0pt;color:black'>People who have been called by “Rachel” have tried all kinds of ways to root out the schemers. Caller ID won’t work; neither does “star-69.” The cyber creeps are ‘way beyond the tools most of us have to track them. </span></b><span style='font-size:11.0pt;color:black'>That’s led some consumers to vent about the inability of the federal Do Not Call list to end the madness; in practice, these crooks ignore the law and keep calling.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>David Leach of Maine’s Bureau of Consumer Credit Protection has studied the problem.<b> Leach says the scammers likely use computer programs that “spoof” your phone’s caller ID, showing an untraceable number. When “Rachel” says you can press a number to be removed from their call list, these programs simply use that action to verify that yours is a “live” number; you’ll likely receive more calls, not fewer.<o:p></o:p></b></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>Leach says the scammers use consumers’ legitimate desire to save money to extract personal information, such as their account and routing numbers. They might ask people to wire funds for their “services,” which amount to nothing more than stealing your money.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>Leach advises against responding to any overtures from “Rachel” or any other alias purporting to adjust interest rates. That’s especially true on-line, where a mouse click on a link provided by thieves can download malware designed to access financial and personal information stored on your computer.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>Within the past 60 days, Leach sent the files from several complaining consumers to the Federal Trade Commission. The FTC looks for patterns of this type of activity, in hopes the crooks make a mistake that will lead investigators to them.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><b><u><span style='font-size:11.0pt;color:black'>Honest businesses must be cheering those efforts. CardMember Services is a legitimate business which warns consumers not to respond to emails or phone calls that appear to be from them. They say it’s not their practice to ask you to verify account or other information by phone or email (scammers do this in demanding terms). Like other legitimate businesses, they won’t threaten to close your account if you don’t respond and they won’t share information with third parties outside the terms of their privacy policy.<o:p></o:p></span></u></b></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>Since the scammers sound similar to the real thing, people do fall for their pitches. Their boldness surprises some observers, who wonder why the robo-callers continue to use the phrases “card services,” “card member services” or other variants to identify their bogus business.<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:7.5pt;margin-right:0in;margin-bottom:7.5pt;margin-left:.5in;line-height:13.5pt;background:white'><span style='font-size:11.0pt;color:black'>David Leach figures the crooks are just building on what’s worked so far. “They’ve built an infamous brand, and they’re running with it,” he says.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p> </o:p></span></p></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><div id=me58729><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'>On Sunday, November 20, 2011 9:25 AM, "Art Deco" <<a href="mailto:deco@moscow.com">deco@moscow.com</a>> wrote:<o:p></o:p></span></p></div><blockquote style='border:none;border-left:solid #144FAE 1.5pt;padding:0in 0in 0in 12.0pt;margin-left:0in;margin-right:0in'><div><div><p class=MsoNormal><span style='font-family:"Verdana","sans-serif"'>There is no doubt that the Rachel calls are a scam. If not a identity theft attempt, then an attempt to and to switch the person called to a rip off credit card. There is always the possibility that it can be both.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Verdana","sans-serif"'>Here is another site linking 877 298-8855 to CMS 53 times:</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Verdana","sans-serif"'><a href="http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855" title="http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855
CTRL + Click to follow link">http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855</a></span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Verdana","sans-serif"'>It could be a forger using the CMS number. I will call the number from a pay phone in Moscow on Monday to check it out.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Verdana","sans-serif"'>w.</span><span style='font-size:13.5pt;font-family:"Arial","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: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 8:43 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="mailto:Vision2020@moscow.com
CTRL + Click to follow link">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"'> Re: [Vision2020] This Rachel person NOTHING TO DO WITH LFCU!!!<o:p></o:p></span></p></div></div></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><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>.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Check out this news article:</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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></span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>And, for a previous – pre-identity theft mode – incarnation check out:</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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></span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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. </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Saundra</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><div><div style='border:none;border-top:solid windowtext 1.0pt;padding:3.0pt 0in 0in 0in;border-color:currentColor currentColor'><p class=me58729msonormal><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 7:35 PM<br><b>To:</b> <a href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a><br><b>Subject:</b> Re: [Vision2020] This Rachel person NOTHING TO DO WITH LFCU!!!</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div></div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Very confusing.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Here's some info on this number:</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Read the third entry. This ties this number to CardMember Services.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif";color:blue'>"Credit Card Member Services. Hung up when asked for postal address. In Short - Credit card fraud. </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div id=me58729a16><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif";color:blue'>The caller was identified as a Scammer/Fraudster that has been reported 19 times in the past.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div></div><div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif";color:blue'>Reported 17th, Nov. 2011"</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div></div></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>w.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><div><p class=me58729msonormal 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> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal 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</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal 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> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal 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!!!</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div></div></div><div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div><p class=me58729msonormal><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.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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.”</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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.)</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>For those interested in filing complaints, here’s a starting place:</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><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></span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Be aware:</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></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><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Sincerely,</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p><p style='margin-left:.5in'><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Sharon C. Bowers, Division Chief</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><br></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Consumer Inquiries & Complaints Division</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><br></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Consumer & Governmental Affairs Bureau</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>HTH,</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'>Saundra Lund</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><p class=me58729msonormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p><div><div style='border:none;border-top:solid windowtext 1.0pt;padding:3.0pt 0in 0in 0in;border-color:currentColor currentColor'><p class=me58729msonormal><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</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div></div><p class=me58729msonormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p><div><p class=me58729msonormal><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:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><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:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>w.</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><div><p class=me58729msonormal 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> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal 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</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal 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> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal 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</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div></div></div><div><p class=me58729msonormal><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div><p class=me58729msonormal><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? </span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><div class=MsoNormal align=center style='text-align:center'><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><hr size=2 width="100%" align=center></span></div><p class=me58729msonormal><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>=======================================================</span><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><o:p></o:p></span></p></div><p><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p><div class=MsoNormal align=center style='text-align:center'><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'><hr size=2 width="100%" align=center></span></div><p><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","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><pre><o:p> </o:p></pre><pre>=======================================================<o:p></o:p></pre><pre> List services made available by First Step Internet,<o:p></o:p></pre><pre> serving the communities of the Palouse since 1994.<o:p></o:p></pre><pre> <a href="http://www.fsr.net">http://www.fsr.net</a><o:p></o:p></pre><pre> <a href="mailto:Vision2020@moscow.com">mailto:Vision2020@moscow.com</a><o:p></o:p></pre><pre>=======================================================<o:p></o:p></pre><p><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div></blockquote></div></div><div><p class=MsoNormal><span style='font-size:13.5pt;font-family:"Arial","sans-serif"'> <o:p></o:p></span></p></div></div></body></html>