<html><body><div style="color:#000; background-color:#fff; font-family:times new roman, new york, times, serif;font-size:12pt"><div><span>Wayne is correct. <span id="misspell-0" class="mark">Latah</span> 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 <a href="http://www.latahfcu.org/security_alertsall.html"><font>text messaging scam</font></a>. </span></div><div><span></span> </div><div><span>Donovan Arnold</span></div><div><br> </div> <div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"> <div style="font-family: times new roman, new york, times, serif; font-size: 12pt;"> <font size="2" face="Arial"> <div style="margin: 5px 0px; padding: 0px; border: 1px solid rgb(204, 204, 204); height: 0px; line-height: 0; font-size: 0px;" class="hr" contentEditable="false" readonly="true"></div>
<b><span style="font-weight: bold;">From:</span></b> Art Deco <deco@moscow.com><br> <b><span style="font-weight: bold;">To:</span></b> Vision2020@moscow.com <br> <b><span style="font-weight: bold;">Sent:</span></b> Saturday, November 19, 2011 8:35 PM<br> <b><span style="font-weight: bold;">Subject:</span></b> Re: [Vision2020] This Rachel person NOTHING TO DO WITH <span id="misspell-1" class="mark">LFCU</span>!!!<br> </font> <br>
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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">http://800notes.com/Phone.aspx/1-877-298-8855</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 <span id="misspell-2" class="mark">CardMember</span> Services.</font></div>
<div><font size="2" face="Verdana"></font> </div>
<div><font size="2" face="Verdana">At http://www.callercenter.com/877-298-8855.html <span id="misspell-3" class="mark">DHL</span>
notes about calls from 877 298-8855:</font></div>
<div><font size="2" face="Verdana"></font> </div>
<div>
<div class="yiv1785117084complainttopleft"><font color="#0000ff">"Credit Card Member Services.
Hung up when asked for postal address. In Short - Credit card fraud.
</font></div>
<div id="yiv1785117084a16" class="yiv1785117084complaintcontent">
<div class="yiv1785117084complaintnote"><font color="#0000ff">The caller was identified as a
<span id="misspell-4" class="mark">Scammer</span>/Fraudster that has been reported 19 times in the past.</font></div>
<div class="yiv1785117084clear"><font color="#0000ff"></font></div></div>
<div class="yiv1785117084complaintbottom">
<div class="yiv1785117084complaintreported"><font color="#0000ff">Reported 17<span id="misspell-5" class="mark">th</span>, Nov.
2011"</font></div></div></div>
<div><font size="2" face="Verdana"></font> </div>
<div><font size="2" face="Verdana"><span id="misspell-6" class="mark">CMS</span> is a very large business who
does the credit card issuing, accounting, and solicitation for a large
number of clients including <span id="misspell-7" class="mark">LFCU</span>. <a title="https://www.cardmemberservices.com/cmsindex.html
CTRL + Click to follow link" href="https://www.cardmemberservices.com/cmsindex.html" rel="nofollow" target="_blank">https://www.cardmemberservices.com/cmsindex.html</a>
<span id="misspell-8" class="mark">CMS</span> is part of the Chase Bank financial network. Chase bank was implicated
in the <span id="misspell-9" class="mark">Madoff</span> fraud as well as for other fraudulent practices. As the
parent company they may not be "officially" aware that <span id="misspell-10" class="mark">CMS</span> is soliciting for a
client or clients that are scam artists. [Some patient <span id="misspell-11" class="mark">Googling</span> 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 <span id="misspell-12" class="mark">LFCU</span> is to be
blamed for these "Rachel" and similar calls. <span id="misspell-13" class="mark">CMS</span> 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 <span id="misspell-14" class="mark">LFCU</span> 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 <span id="misspell-15" class="mark">LFCU</span> 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/normal Tahoma; font-size-adjust: none; font-stretch: normal;">
<div><br></div>
<div style="background: rgb(245, 245, 245);">
<div><b>From:</b> <a title="mailto:v2020@ssl1.fastmail.fm
CTRL + Click to follow link" href="mailto:v2020@ssl1.fastmail.fm" rel="nofollow" target="_blank" ymailto="mailto:v2020@ssl1.fastmail.fm">Saundra <span id="misspell-16" class="mark">Lund</span></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" rel="nofollow" target="_blank" ymailto="mailto:deco@moscow.com">'Art
Deco'</a> ; <a title="mailto:Vision2020@moscow.com
CTRL + Click to follow link" href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a> ; <a title="debismith@moscow.com" href="mailto:debismith@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:debismith@moscow.com">'deb'</a> ; <a title="mailto:idahovandal1@live.com
CTRL + Click to follow link" href="mailto:idahovandal1@live.com" rel="nofollow" target="_blank" ymailto="mailto:idahovandal1@live.com">'Carl <span id="misspell-17" class="mark">Westberg</span>'</a> </div>
<div><b>Subject:</b> RE: [Vision2020] This Rachel person NOTHING TO DO WITH
<span id="misspell-18" class="mark">LFCU</span>!!!</div></div></div>
<div><br></div>
<div class="yiv1785117084WordSection1">
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Sorry,
but Rachel from Card Services has <b>nothing</b> to do with <span id="misspell-19" class="mark">LFCU</span>!!! The
whole thing is a well-recognized identity theft scam & we’<span id="misspell-20" class="mark">ve</span> been getting
calls from Rachel for a very long time now & I’<span id="misspell-21" class="mark">ve</span> 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></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Until
recently, the calls were made with spoofed (both name & number) <span id="misspell-22" class="mark">CallerID</span>
info likely using <span id="misspell-23" class="mark">VoIP</span> or <span id="misspell-24" class="mark">PRI</span> lines, so calling back (and even tracing) is
impossible – typically, the phone number displayed would be blank or <span id="misspell-25" class="mark">wouldn</span>’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’<span id="misspell-26" class="mark">ve</span> been subjected to their standard verbal abuse, lies, & just being
hung up on.</span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>More
recently, I’<span id="misspell-27" class="mark">ve</span> been getting a slightly different script from Rachel & her
<span id="misspell-28" class="mark">robocalls</span>, 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></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><b><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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='color: rgb(31, 73, 125); font-family: "sans-serif"; 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.</span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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.</span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; 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 <span id="misspell-29" class="mark">TCPA</span> by spoofing
<span id="misspell-30" class="mark">CallerID</span> info (two in the last 24 hours: one displayed no phone number
& the other displayed a phony number.)</span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>For
those interested in filing complaints, here’s a starting
place:</span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>http://esupport.fcc.gov/complaints.htm?id</span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Be
aware:</span></div>
<div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>Thank you for
contacting the FCC regarding possible violations of the Telephone Consumer
Protection Act (“<span id="misspell-31" class="mark">TCPA</span>”) 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></div>
<div style="margin-left: 0.5in;"><span style='font-family: "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 <span id="misspell-32" class="mark">TCPA</span> 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 <span id="misspell-33" class="mark">TCPA</span> 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></div>
<div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>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], <span id="misspell-34" class="mark">TTY</span>: 1-888-TELL-FCC [1-888-835-5322].
</span></div>
<div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>Sincerely,</span>
</div>
<div style="margin-left: 0.5in;"><span style='font-family: "sans-serif"; font-size: 10pt;'>Sharon C. Bowers,
Division Chief</span> <br><span style='font-family: "sans-serif"; font-size: 10pt;'>Consumer Inquiries
& Complaints Division</span> <br><span style='font-family: "sans-serif"; font-size: 10pt;'>Consumer &
Governmental Affairs Bureau</span> </div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'><span id="misspell-35" class="mark">HTH</span>,</span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'>Saundra
<span id="misspell-36" class="mark">Lund</span></span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div class="yiv1785117084MsoNormal"><span style='color: rgb(31, 73, 125); font-family: "sans-serif"; font-size: 11pt;'> </span></div>
<div>
<div style="border-width: 1pt medium medium; border-style: solid none none; border-color: rgb(181, 196, 223) currentColor currentColor; padding: 3pt 0in 0in;">
<div class="yiv1785117084MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='font-family: "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</span></div></div></div>
<div class="yiv1785117084MsoNormal"> </div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>The company is
<span id="misspell-37" class="mark">CardMember</span> Services. The same company that issues Visa cards for <span id="misspell-38" class="mark">Latah</span>
Federal Credit Union. This card is a real rip-off. <span id="misspell-39" class="mark">LFCU</span> 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: "sans-serif"; font-size: 10pt;'></span></div></div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span></div></div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>If I were going to
be in the area longer I would sever my connection with <span id="misspell-40" class="mark">LFCU</span>. 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: "sans-serif"; font-size: 10pt;'></span></div></div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span></div></div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>w.</span><span style='font-family: "sans-serif"; font-size: 10pt;'></span></div></div>
<div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span></div></div>
<div>
<div>
<div style="background: whitesmoke;" class="yiv1785117084MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>From:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a title="mailto:idahovandal1@live.com
CTRL + Click to follow link" href="mailto:idahovandal1@live.com" rel="nofollow" target="_blank" ymailto="mailto:idahovandal1@live.com">Carl <span id="misspell-41" class="mark">Westberg</span></a>
</span></div></div>
<div>
<div style="background: whitesmoke;" class="yiv1785117084MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Sent:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> Saturday, November
19, 2011 12:01 PM</span></div></div>
<div>
<div style="background: whitesmoke;" class="yiv1785117084MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>To:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> <a title="vision2020@moscow.com" href="mailto:vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:vision2020@moscow.com">vision2020@moscow.com</a>
</span></div></div>
<div>
<div style="background: whitesmoke;" class="yiv1785117084MsoNormal"><b><span style='font-family: "sans-serif"; font-size: 10pt;'>Subject:</span></b><span style='font-family: "sans-serif"; font-size: 10pt;'> [Vision2020] This
Rachel person</span></div></div></div></div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'> </span></div></div>
<div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "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? </span></div></div>
<div style="text-align: center;" class="yiv1785117084MsoNormal" align="center"><span style='font-family: "sans-serif"; font-size: 10pt;'>
<div style="margin: 5px 0px; padding: 0px; border: 1px solid rgb(204, 204, 204); height: 0px; line-height: 0; font-size: 0px;" class="hr" contentEditable="false" readonly="true"></div>
</span></div>
<div class="yiv1785117084MsoNormal"><span style='font-family: "sans-serif"; font-size: 10pt;'>=======================================================<br> List
services made available by First Step Internet,<br> serving the communities
of the <span id="misspell-42" class="mark">Palouse</span> since
1994.<br>
http://www.fsr.net<br>
<a href="mailto:Vision2020@moscow.com" rel="nofollow" target="_blank" ymailto="mailto:Vision2020@moscow.com">mailto:Vision2020@moscow.com</a><br>=======================================================</span></div></div></div>
</div><br>=======================================================<br> List services made available by First Step Internet,<br> serving the communities of the <span id="misspell-43" class="mark">Palouse</span> since 1994.<br> <a href="http://www.fsr.net" target="_blank">http://www.fsr.net</a><br> <span id="misspell-44" class="mark">mailto</span>:<a href="mailto:Vision2020@moscow.com" ymailto="mailto:Vision2020@moscow.com">Vision2020@moscow.com</a><br>=======================================================<br><br> </div> </div> </div></body></html>