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id=MailContainerBody lang=EN-US leftMargin=0 link=blue topMargin=0 vLink=purple
CanvasTabStop="true" name="Compose message area">
<DIV><FONT size=2 face=Verdana>I tried calling the 877 298-8855 "Rachel" number
today from a pay phone several times. I got a system busy each
time.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>However, there is another interesting
theory. The "Rachel" [and other names, mostly women] calls originally
started out with CardMember Services despite their denials. Their purpose
was to switch card holders to their rip-off cards using some very questionable
bait.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>Then a copy cat scheme was developed and morphed
by cyber-crooks into an identity theft operation.</FONT></DIV>
<DIV><FONT size=2 face=Verdana></FONT> </DIV>
<DIV><FONT size=2 face=Verdana>Given the history and pervasiveness of this
operation in my opinion not nearly enough has been done to stop it -- like
various kinds of stings.</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=v2020@ssl1.fastmail.fm
href="mailto:v2020@ssl1.fastmail.fm">Saundra Lund</A> </DIV>
<DIV><B>Sent:</B> Sunday, November 20, 2011 6:13 PM</DIV>
<DIV><B>To:</B> <A title=deco@moscow.com href="mailto:deco@moscow.com">'Art
Deco'</A> ; <A title=Vision2020@moscow.com
href="mailto:Vision2020@moscow.com">Vision2020@moscow.com</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">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt"><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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P>
<H1 style="BACKGROUND: white; MARGIN-LEFT: 0.5in"><SPAN
style="COLOR: black; FONT-SIZE: 11pt">Card member services or
not?<o:p></o:p></SPAN></H1>
<P style="LINE-HEIGHT: 13.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in"
class=MsoNormal><SPAN style="COLOR: #777777; FONT-SIZE: 11pt">By <A
title="Posts by Russ van Arsdale"
href="http://bangordailynews.com/author/russ-van-arsdale/">Russ van Arsdale</A>,
Executive Director, Northeast Contact<o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 13.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in"
class=MsoNormal><SPAN style="COLOR: #aaaaaa; FONT-SIZE: 11pt">Posted <SPAN
class=date>July 31, 2011,</SPAN> at <SPAN class=time>7:57
p.m.</SPAN><o:p></o:p></SPAN></P>
<P
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">Phones have been
ringing all over Maine in recent weeks. Every time, the message is the
same.<o:p></o:p></SPAN></P>
<P
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><B><SPAN style="COLOR: black; FONT-SIZE: 11pt">“This is Rachel
from Card Member Services …”</SPAN></B><SPAN
style="COLOR: black; FONT-SIZE: 11pt"> 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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><B><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><B><SPAN style="COLOR: black; FONT-SIZE: 11pt">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="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><B><U><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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
style="LINE-HEIGHT: 13.5pt; MARGIN-BOTTOM: 7.5pt; BACKGROUND: white; MARGIN-LEFT: 0.5in; MARGIN-RIGHT: 0in; mso-margin-top-alt: 7.5pt"
class=MsoNormal><SPAN style="COLOR: black; FONT-SIZE: 11pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 11pt"><o:p> </o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p> </o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV id=me58729>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt">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-BOTTOM: medium none; BORDER-LEFT: #144fae 1.5pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 12pt; PADDING-RIGHT: 0in; MARGIN-LEFT: 0in; BORDER-TOP: medium none; MARGIN-RIGHT: 0in; BORDER-RIGHT: medium none; PADDING-TOP: 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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN style="FONT-FAMILY: 'Verdana','sans-serif'"><A
title="http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855
CTRL + Click to follow link"
href="http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855">http://www.callercomplaints.com/SearchResult.aspx?Phone=877-298-8855</A></SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'">w.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><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:v2020@ssl1.fastmail.fm
CTRL + Click to follow link"
href="mailto:v2020@ssl1.fastmail.fm">Saundra
Lund</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 8:43 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="mailto:Vision2020@moscow.com
CTRL + Click to follow link"
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"> 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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Check
out this news article:</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">And,
for a previous – pre-identity theft mode – incarnation check out:</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"><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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Saundra</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><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: windowtext 1pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 3pt">
<P class=me58729msonormal><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
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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV></DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">Very
confusing.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">Here's some info
on this number:</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt"><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></SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">Read the third
entry. This ties this number to CardMember Services.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">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:</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: blue; FONT-SIZE: 13.5pt">"Credit
Card Member Services. Hung up when asked for postal address. In Short -
Credit card fraud. </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV id=me58729a16>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: blue; FONT-SIZE: 13.5pt">The
caller was identified as a Scammer/Fraudster that has been reported 19 times
in the past.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV></DIV>
<DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; COLOR: blue; FONT-SIZE: 13.5pt">Reported
17th, Nov. 2011"</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">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.]</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">w.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><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:v2020@ssl1.fastmail.fm
CTRL + Click to follow link"
href="mailto:v2020@ssl1.fastmail.fm">Saundra Lund</A> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><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 5:51 PM</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><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=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> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">Subject:</SPAN></B><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> RE: [Vision2020]
This Rachel person NOTHING TO DO WITH LFCU!!!</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV>
<P class=me58729msonormal><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.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><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.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><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.”</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><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.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><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.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><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.)</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">For
those interested in filing complaints, here’s a starting place:</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><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></SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Be
aware:</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><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><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></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><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></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><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Sincerely,</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt">
<o:p></o:p></SPAN></P>
<P style="MARGIN-LEFT: 0.5in"><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Sharon C. Bowers,
Division Chief</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><BR></SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Consumer Inquiries
& Complaints Division</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><BR></SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 10pt">Consumer &
Governmental Affairs Bureau</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt">
<o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">HTH,</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt">Saundra
Lund</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Calibri','sans-serif'; COLOR: #1f497d; FONT-SIZE: 11pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><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: windowtext 1pt solid; BORDER-RIGHT: medium none; PADDING-TOP: 3pt">
<P class=me58729msonormal><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
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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV></DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P>
<DIV>
<P class=me58729msonormal><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: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><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: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Verdana','sans-serif'; FONT-SIZE: 10pt">w.</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><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> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><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</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><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> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P style="BACKGROUND: whitesmoke" class=me58729msonormal><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</SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV></DIV></DIV>
<DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt"> </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV>
<P class=me58729msonormal><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? </SPAN><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<DIV style="TEXT-ALIGN: center" class=MsoNormal align=center><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt">
<HR align=center SIZE=2 width="100%">
</SPAN></DIV>
<P class=me58729msonormal><SPAN
style="FONT-FAMILY: 'Tahoma','sans-serif'; FONT-SIZE: 10pt">=======================================================<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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"><o:p></o:p></SPAN></P></DIV>
<P><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P>
<DIV style="TEXT-ALIGN: center" class=MsoNormal align=center><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt">
<HR align=center SIZE=2 width="100%">
</SPAN></DIV>
<P><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt">=======================================================<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-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV></BLOCKQUOTE></DIV></DIV>
<DIV>
<P class=MsoNormal><SPAN
style="FONT-FAMILY: 'Arial','sans-serif'; FONT-SIZE: 13.5pt"> <o:p></o:p></SPAN></P></DIV></DIV></BODY></HTML>