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Innovative Wealth Builders. Scam? Should I Investigate Them?

By on January 12, 2010
Innovative Wealth Builders. Scam? Should I Investigate Them?

I was considering doing my next investigate report on a company called Innovative Wealth Builders out of Clearwater, Florida. I’ve seen a number of names associated with them in complaints that have called people from 888-748-5760, 888-249-5317,727-608-2713, 718-605-5907, 516-488-8552 & 727-474-3777.

Website: http://youriwb.com/

If you can explain to me what these people supposedly do, besides just scam people, please post a comment below.

I’m also interested in comments you can post regarding your experience with this company and if anyone has received any written documentation or a contract from this company, please let me know in the comments.

If you are an ex-employee of IWB I’m very interested in what you can share about the operation. From what I read it is either a call center, boiler room, or call from home operation.

Names of Sales People Alleged to be calling for Innovate Wealth Builders

  • Natasha Kimmel
  • Christina Barbara
  • Amanda Wigland
  • Stephanie Johnson
  • Alicia Blasard
  • Christina Kimmle
  • Sharon Rodak
  • Lisa Jorgl
  • Cindy Wallace
  • Lisa Tosheff
  • Tamara Poston
  • Mary Mortti
  • Amy Hersh
  • Tina Limi
  • Edwards Titus
  • Dan Dechent
  • Ashley Suddenburg
  • Ashley Sevenberg
  • Richard Fantarella
  • Stephan Gallagher
  • Christine O’Neil
  • Christal Royer
Innovative Wealth Builders Web Site

Their About Us Page

There are not many institutions like Innovative Wealth Builders, Inc. We provide a program that will not damage your credit. Innovative Wealth Builders, Inc. is not a consolidation or credit counseling company.

We provide the tools that you will begin to use in order to enhance your credit, save money on your interest payments, and get you out of debt in half the time. Isn’t it nice to know you have someone on your side who understands the value of your hard-earned money? – Source


READ  Innovative Wealth Builders - Consumer Complaint - February 7, 2013

About Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

95 Comments

  1. Ted Jones called me

    April 23, 2013 at 3:04 pm

    Their latest story is that you pay bucks to join and when they recruit your people, you get 80% of their fee. They your people get 80% of their recruits etc.
    All of the value goes up the chain and no value goes down the chain. They epitomize the legal definition of a pyramid. No wonder they’re under investigation.
    Ted Jones called me, from his supposedly NY cell phone 212-574-8013, which was a recording and then he Skyped me from 661-748-0240. He wouldn’t give his last name but I got it elsewhere.

  2. Theudelsons

    September 10, 2012 at 4:13 pm

    Steve,

    Just hung up on the representative from IWB.  They claim that they shave interest off of your outstanding debt and pocket a portion of the difference.  They also claim that they convert your credit card debt to a fixed rate/fixed payment loan rather than revolving credit.  They also claim that by entering their program, the credit card companies will increase your credit line and you can continue to use your existing credit cards.  When I attempted to end the call, the sales rep. became very agitated.  I ended the call anyway and he called me back to harangue me some more.  Thanks for having your site available during my call.

    Blake

    • Steve Rhode

      September 10, 2012 at 4:42 pm

      Thanks for your update.

  3. Brian

    September 4, 2012 at 7:25 am

    My THANKS to Steve Rhode and all of those who posted abbout this company! I got my call yesterday. They promised the moon, and seemed so legitimate! A rep handed over the phone to his supervisor, Tyler Jewell. I did speak with him, but then started feeling like this was too good to be true. I gave no credit card numbers, and told him I wanted to think about it and look them up on the web. Jewell told me that was fine, but that they would have to report me to my credit card companies for refusing the ‘debt reduction offer’. Fine, whatever. Then I went and looked this company up, and I cannot BELIEVE what I almost got involved in! This site and all of the great posts may have saved me a LOT of trouble…
    THANK YOU AGAIN!

  4. Terry

    August 2, 2012 at 8:44 pm

    Names to avoid
    Nicole Halasyn
    Ramon Hernandez
    Lisa tosheff
    Anna
    Lyn Knight
    Richard FAntarelli
    Edward Titus
    mary morti
    When I enrolled I dealt with every single one of these people and was passed around like a hot potatoe phone to phone.I was enrolled with a woman named mary and then passed to a man named richard and then passed over to edward.I called in the next day deciding this was not a good decision based off of what I read online and I spoke to a Remon.After getting no where with him and him talking down to me like I was dumb he then passed me to Nicole and then after getting no where with her she had to set a time for this supposed manager lisa to call me.After waiting and waiting for a call which I never got from her I decided to call my credit card company and dispute the charge and then a lyn knight wrote my credit card company fighting against what I told them they did.I then tried calling back in numerous times and finally got a hold of a anna but she was to no help either.As of now I am going on 8 months with no refund.These people are a scam and I dont understand how any of them run a business.My 8 year ols daughter has more business sense than these people.SCAM ALERT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

  5. KandyMan

    July 13, 2012 at 3:50 pm

    I can tell you 100% they are scam artists as many of you have attested to.  I am always very skeptical about these types of calls and never give any information and usually hang up pretty quickly.  They were very convincing with a friendly tone.  After reviewind the paperwork that they emailed to me, I showed it to my wife and she said you never respond to these types of calls.  I reviewed the refund process.  It said that Florida law allows 7 days to review and get a full refund.  I was emailed the items on 2 days later. The refund letter said to call and request that the customer care folks fax a refund request form to you.  I called on the 4th day and asked to have the form faxed to me. I was told that they couldn’t fax it because it needed a postal stamp and a signed date.  I told them to email or fax it to me and I would sign, date and fax it right back. He insisted they couldn’t. Mind you now, this is a Friday. I asked will it go in the mail today (EXPRRESS) so that it could be here by Saturday and I would fax it by Monday, the 7th day.  I was told that they would mail it on Monday.  I was furious and asked to speak to the manager.  I was told the manager does not talk to the customers. I threatened to call my lawyer and the BBB.  Now I am waiting for paperwork that will not get here obviously before the 7th day.  I immediately called my CC company and told them about the situaton and their refund policy.  They said they will dispute the charge once I have sent the paperwork back to IWB.  I was also told to keep a copy to send to the CC company as well.  I can’t believe I went against my better judgement and what I have preached to my wife and sons.  Stay AWAY from IWB

  6. Stinky1_78664

    May 31, 2012 at 1:12 pm

    This company is targeting the elderly. After discussing this matter with the company, it has been over 9 months after the company promised my parent a refund. Now, the representation will not return our calls. 
     
    I highly recommend you investigate this company and all of their clients should be refunded in full plus any additional damages such additional interest rates occurred from the withdraws.

  7. D-Rock

    May 6, 2012 at 5:35 pm

    I worked with all of these people. They all know it’s a scam. I’m an original from the company that started it all, Financial Freedom Resources. I was a debt “Advisor”, a sales closer, closer trainer, and even managment for Tom Grahm.
     I know Sheryl, Tammi and the other person in control of Inovative Wealth Builders, Carly Pelland.
     Its’ a shame. It didn’t start this way. We were actually providing a real service to the credit card holders. We knew more about their cards and accounts than they did. We would help them get what they deserved….. a lower rate, higher credit limit, the best offers, whatever the case. We would then provide a roll-over payment schedual to them that would show them how to start and maintain an agressive paydown. The goal being to get out of debt.
    Things changed when Obama was elected. He actually made the credit card companys impliment the changes in the usery agrements. The credit card companys knew they only had a small window to raise rates, and they did. The accounts were also labled with a change of terms. New interest rates were no longer negotiable.
    From that day on it has all been a scam!

       

    • Swertzham

      July 28, 2012 at 9:52 pm

      Hmm.  I worked for this company too under Financial Freedom Resources.  I can remember asking for as many credit cards as possible, and then maxing them out to pay for our fee.  This was under the guise of just needing to know if they “qualified”, and well before Obama became president.  I was a pretty good fronter until it started to sink in after the back to back calls and that i attempted to sound sincere and caring to over the pounding rap music that was playing nonstop- that I was probably ruining lives and hurting people that were worried about making their mortgages so they don’t lose their house, while DESPERATELY struggeling to just survive. Last they needed was a hit from Financial Freedom. No one helped them, they just got a colorful packet in the mail depicting the same common knowledge graphical information about how a credit card balance goes down after payments. DUH.  their cards were rarely lowered, if they had a bad percentage in the first place- we didnt care.  All that for a great deal of 500 to over a thousand dollars.  so much for their groceries. 

  8. Not Stupid

    March 1, 2012 at 6:59 pm

    S C A M !!!
    Almost exactly a year ago I recieved a call from “Innovative Wealth Builders”, who said they wanted to help me eliminate my debt. “Scott Jackel” proceeded to give me the company’s details…he then asked for my 16 digit credit card account number, but he was VERY adament he didn’t need the 3 digit code on the back. He said he needed this info to verify that the account was not over its limit and that payments were made on time. If all this checked out I would be eligible to cut me debt in half! When I told him that I do not give that info out over the phone to some random person, he got very angry with me and said, “Honey, good luck with that debt!”

    Now, almost a year later, Mr “Jacob King” from IWB, 1-888-748-5760 Lic # TP40053 asked for my c/c info.  When I advised him that I wouldn’t be giving my info out to him over the phone, there wasn’t even a reply from “Jacob King”, it was as if he THREW the phone to someone else who said they were a supervisor.  She again told me that they would need my c/c number to confirm that I was in good standing with my credit card co and they then could get my APRs lowered.  I told her that they had called me before with this scam and I didn’t fall for it then and I wouldn’t be falling for it today.  With no reply, she just hung up!  I don’t need to assume anything about Innovative Wealth Builders, I know they are out to scam individuals who are in debt!

  9. Anetta

    January 13, 2012 at 12:08 am

    my husband hi past in 2002 hi had a wealth builder share from city group co
    the amount of thousand dollars   my nice call I dent’ understood noting abut thees
    she asked mi if I wanted close the account and I said no  she told my nice to sign  the paper and she deed wit out mi knowing what is going on after 2006 I decide to cash the wealth builder in need of money and I was t hold the account was closed I asked my nice 
    what deed you do? she  told me she signed for me she did no think that they closed the 
    account,if there anything I can do help me

         

  10. abc123

    January 6, 2012 at 12:22 pm

    I know first hand this is a telemarketing scam/boiler room 10000 of calls are made a day from a dialer sometimes the same people are called 5 to 10 times a day. what we are told doesnt make sence, when debt is stated  they cut it in half and added 200 each time. yes its a job and jobs are hard to come by now a days, minnimum wage is not enough. good people just working for a bad company.

  11. abc123

    January 6, 2012 at 12:22 pm

    I know first hand this is a telemarketing scam/boiler room 10000 of calls are made a day from a dialer sometimes the same people are called 5 to 10 times a day. what we are told doesnt make sence, when debt is stated  they cut it in half and added 200 each time. yes its a job and jobs are hard to come by now a days, minnimum wage is not enough. good people just working for a bad company.

  12. Wbeam63

    December 6, 2011 at 2:20 pm

    They got me for $995. They were suppose to reduce my interest rates on my credit cards—I have not been able to contact them. Most of the phone numbers go to a fax machine. Its been almost 2 years and no results.

  13. Jennifer Wexler

    October 31, 2011 at 5:36 pm

    yes please  do investigate them they are calling my house constantly I am on do not call but i guess that doesn’t work for so called charity’s

  14. Jennifer Wexler

    October 31, 2011 at 5:36 pm

    yes please  do investigate them they are calling my house constantly I am on do not call but i guess that doesn’t work for so called charity’s

  15. LJ90

    October 24, 2011 at 6:24 pm

    EVERYONE PLEASE READ!!!!!!!! I have worked at this place for only 4 days now. My first day was October 19, 2011. There was an ad in the newspaper saying to call their number to be scheduled for an interview. They scheduled me for an interview that same day and hired me that same day. I thought that this place was professional because they are on the 3rd floor of Wells Fargo in Clearwater. I assumed that they were affiliated with this bank but they actually are not.-They just work out of the same building, different floor. The training was only 2 days. In that training you sign some type of legal agreement basically saying that you will not use any of the information such as cc #s for anything other than work, and also saying that you agree to their company policy. After the paper work, the trainer informed the other 3 people that were offered the job, that there are times where you must go to some kind of store named Farmers or something-to have your check cashed. She said this does not happen often and that someone would let us know if we need to go to this store to have our check cashed instead of going to the bank.The trainer advised that they want us to go to this store because our checks would definitely be cashed there, instead of going to a bank or grocery store and the check bouncing. I’m thinking to myself “what kind of place doesn’t offer direct deposit and doesn’t have the money to pay their workers?” “and what kind of place is trying assist people with their debt, when they obviously can’t pay their own?” We spoke about what we would be doing as “qualifiers” and the pay and commission. etc. We also filled out a form which was for us to get a license in order to be a telemarketer. That 3rd day, we were on the floor actually taking calls. The room is like a very small call center, the computers are out dated, and the room has VERY loud music from a playlist playing. Most of the music that is played has profanity. Not professional at all. The calls are from like an automatic dialer and we read a script basically a brief summary of what the company does and promising to lower the interest rate on the customer’s credit cards. In order for the customer to qualify, they must not be over the credit limit or currently late on their payments. To see if the customer qualifies the toll free # on back of card, cc # is needed and the last four of the card holder’s social. This info is given to one of the unprofessional managers and they go to a phone and call the toll free # to see if the customer is in good standing with the card company and to see if they qualify for the “lower your interest rate” program. After the manager is given this info, the qualifier(who called the customer) is done with the call. From there the manager explains what I would call the “fine print” or the “catch”. In training we were told if the customer asks if there is a fee to tell them “no, as long as you qualify you will not have to mail a check or money order. ” As you see this is a YES or NO question. Why can’t I just say no. I asked the trainer was there a fee or was there not a fee? She gave me a lonngggggggg answer that didn’t answer my question. So I’m really thinking is this a scam? Today was my second day on the floor and this is definitely not a job for me. I don’t like feeling like I’m harassing people or feeling like they are making a bad decision by giving me their cc #. I wouldn’t even give this company my cc # and I work there! That should say a lot. This will most likely be my last week. I’ve never seen a place like this. There is something illegal going on with this place and I can’t wait until they are shut down. Also, my 1st day on the floor, I gave a manager a customer’s cc# and the toll free #. When I went back to the desk that I was sitting in, the paper that had the customer’s cc info on it was there ripped a few times. Paper was not shredded or in the trash. THIS PLACE NEEDS TO BE INVESTIGATED. I would love to share more about this company. Feel free to reply and ask me any questions you may have. 

    • Steve Rhode

      October 24, 2011 at 6:31 pm

      I’m curious what kind of refund policy the callers are told there is.

    • Pmiles90

      October 24, 2011 at 6:35 pm

      Also, the reason I was hired on the spot, is because they did not perform any type of background check or drug screening. So most or some of the people working there may have criminal backgrounds or could be using illegal drugs. I wouldn’t doubt it. So you could possibly be giving your cc info to someone who has been to jail for fraud or identity theft. DO NOT TRUST THIS COMPANY. 

  16. June Falcon

    October 5, 2011 at 1:22 pm

    I would like to thank all of you who wrote.  Yesterday this company called me about their service.  I gave them my information but the representative told me she had to check with her supervisor.  While she left me on whole I decided to check the web for information on this company and found your site.  I immediately called my bank and had them cancel my card before they had a change to charge anything. It’s a shame that their are people out there taking advantage of people trying to get out of debt.  Thanks Again you are all angels. 

  17. Guest

    September 30, 2011 at 8:55 pm

    Boy what a scam….One phone call and I was charged over one thoyusand dollars. I even canceled within 24 hrs. The still charged my credit card. Stating they would save me 45,000 right off the bat. Well their solution was double up on my present credit card payments!!!!!!! DUH! Wish I could retrieve my money back although the sent me two graphs in pretty colors showing my indebtedness. It has been nearly a year and that is the extent of their help…..

  18. Gusgus

    September 23, 2011 at 7:59 pm

    They have an office in NY. I make it a policy to never talk on the phone to companies I don’t recognize and who start out a call with “I’d like to talk to you about your credit card account” INSTANT bells and whistles people!! So anyway, I asked them after the first two calls to remove my number from their computer. I filed a complaint with the National Do Not Call Registry (if you aren’t registered by now…so sorry) Third time, I spoke with a so called supervisor and was assured I would not be called again. Fourth time, again spoke with yet a different supervisor and again filed a complaint with the Do Not Call registry.

  19. IWB insider

    September 11, 2011 at 11:53 pm

    TYPICAL MESSAGE FROM THE OWNERS OF THE COMPANY – The
    truth is, the company is experiencing severe financial problems. They have
    trouble paying their employees, and when they do they have to send them to
    check chasing places. The majority of their checks bounce, they deal with these
    check chasing places on a daily basis to negotiate payment arrangements, to
    help their negative cash flow. And, they kite checks between their bank
    accounts. They know exactly how much they can cash a check for to go through,
    without raising suspicion.

    In order to further improve their cash flow, and keep
    things going – they bill their customers more than the original agreed amounts
    (instead of 2 times 2, they stick their hand 3 to four times in the cookie
    jar). Additionally they bill them faster as agreed upon. Their business is a
    front to conduct wire fraud, fraud with the intend to defraud, and credit card
    fraud.

    If you gave any information about your credit cards, or
    personal to IWB, I strongly recommend closely checking your statements,
    contacting your credit card company, and advising the States Attorney’s office
    in Clearwater, FL about the issues you encounter with this organization. The
    States Attorney’s office is currently investigating the business dealings of
    IWB, and did request all bank and financial statements from them. Help them to
    build a case, and ensure that the owners go to jail.

    Clearwater States
    Attorney’s office: Bernie McCabe (727)
    464-622. They will transfer you to the consumer fraud department.

    • mindy fink

      September 19, 2011 at 6:19 pm

      Thanks to all of your comments, I hung up the phone on a floor supervisor mid sentance.  I had started to tell him that I was investigating his company online before I would consider sharing any personal information with him.  As soon as I saw the many negative comments posted, I said that I was not interested.  The supervisor tried to defend his company, but I simply hung up on him before he could even finish what he was saying. 

      • Steve Rhode

        September 19, 2011 at 6:26 pm

        So I’ve got to ask. What possible defense did they try?

  20. IWB Insider

    September 3, 2011 at 7:31 am

    IWB is bouncing paychecks, and in debt over their head. They have to send their employees to check chasing places to float the payroll. Why, would anyone trust an organization, promising debt relieve, and they can’t even handle their own payroll, and expenses.Further, they are under investigation by the States Attorneys office.

  21. Jd6695354

    August 26, 2011 at 1:36 am

    They just charged my credit card close to $700.00 without my authorization.  I never even spoke to anyone from this company.  I just happened to be paying my credit card bill and came across this charge.  They are definitely a scam.  Just got off the phone with my credit card company so it looks as if things are being taking care of.  This company is bold and crooked.  You always know something is up when their sites don’t work and telephone calls go straight to an answering machine.

  22. Not a sucker!!! (this time)

    August 15, 2011 at 6:55 pm

    just got a call from them during my work hours,.. told them i was not interested and that my bank would not work with them that i’ve tried before. When i told them they were calling me during my work hours they perceeded to tell me this was not my work number.. I advised it was and that they would have to call me back at another time. The guy even had to nerve to say i sounded hestitant.well yes… i didnt call you about my cc you called me… if i want help with my rates i find a legitmate company to do it.. not someone over the phone… Names I talked to are already onthis list.. thank god i found this site!!!

  23. Michael Wallin

    July 27, 2011 at 10:05 am

    Absolutely! They recently “stole” $1595.00 from a Visa account of mine & are now being investigated by the Visa Fraud Dept.
    Michael Wallin
    San Francisco
    jahmikey@yahoo.com

  24. Steve Rhode

    June 22, 2011 at 8:38 am

    Follow this refund process I wrote. Others have had success with it.

    But you must follow it step-by-step.

  25. Lillylynx

    June 22, 2011 at 7:03 am

    So…I fell prey to IWB. A staggering fee over 2K. Billed seperate of course. I was so sick with a flubug when they called and no matter how many times I said no, they would put another rep on the line and keep on and on…they actually wore me down and I cant believe I caved. Okay..so please…other readers tell me what to do. I have not received services, just the dorky folder, sent nothing back and requested my Credit card to reverse the fee. My credit card sided with them and reapplied the charge after pending investigation. Can anyone give me advice. I will fight this till the day I die..its not right and there has to be help for those of us who deserve our hard earned money back. Thank you. lillylynx at aoldot com.

  26. Lillylynx

    June 22, 2011 at 11:03 am

    So…I fell prey to IWB. A staggering fee over 2K. Billed seperate of course. I was so sick with a flubug when they called and no matter how many times I said no, they would put another rep on the line and keep on and on…they actually wore me down and I cant believe I caved. Okay..so please…other readers tell me what to do. I have not received services, just the dorky folder, sent nothing back and requested my Credit card to reverse the fee. My credit card sided with them and reapplied the charge after pending investigation. Can anyone give me advice. I will fight this till the day I die..its not right and there has to be help for those of us who deserve our hard earned money back. Thank you. lillylynx at aoldot com.

  27. Kelly

    June 10, 2011 at 8:50 am

    Am I the only one with half a brain??If you dont like what you hear or you research them and dont like what you see then stop listening to the pitch and HANG UP THE PHONE!!!!!!!!!!!!duh!!!!!!!!!!!!!!I firmly believe that you did it to yourself by being dumb enough to give anyone your credit card number over the phone.Didnt your parents teach you that when you were a teenager?Because you were dumb enough to give your credit card number to ANYONE and ANY COMPANY you deserve to be ripped off.Common sense people!

  28. Kelly

    June 10, 2011 at 12:50 pm

    Am I the only one with half a brain??If you dont like what you hear or you research them and dont like what you see then stop listening to the pitch and HANG UP THE PHONE!!!!!!!!!!!!duh!!!!!!!!!!!!!!I firmly believe that you did it to yourself by being dumb enough to give anyone your credit card number over the phone.Didnt your parents teach you that when you were a teenager?Because you were dumb enough to give your credit card number to ANYONE and ANY COMPANY you deserve to be ripped off.Common sense people!

  29. Tyra

    June 10, 2011 at 8:29 am

    Is it just me or is everyone complaining need spell check in their lives!?Learn to spell people if you are going to slam a company because youre bored make sure youre educated enough and believeable to know what you are saying.If you dont know how to spell then what does that say about you and your understandings of things you enroll into???

  30. Tyra

    June 10, 2011 at 12:29 pm

    Is it just me or is everyone complaining need spell check in their lives!?Learn to spell people if you are going to slam a company because youre bored make sure youre educated enough and believeable to know what you are saying.If you dont know how to spell then what does that say about you and your understandings of things you enroll into???

    • Tyra's Helper

      April 23, 2013 at 2:58 pm

      Hi Tyra, well you might do a grammar check on your own post.

  31. Steve Crumley

    May 19, 2011 at 4:57 pm

    How much money does this co. take in? Do they publish a corporate balance sheet? Do they pay federal & state taxes. How much do their owners make. After they acquire your credit card # they can charge any amount they want, & then you have to go thru the long process of disputing the charge. Why can’t this operation, & others like it, be stopped & shut down. Steve May 19, 2011

  32. Steve Crumley

    May 19, 2011 at 8:57 pm

    How much money does this co. take in? Do they publish a corporate balance sheet? Do they pay federal & state taxes. How much do their owners make. After they acquire your credit card # they can charge any amount they want, & then you have to go thru the long process of disputing the charge. Why can’t this operation, & others like it, be stopped & shut down. Steve May 19, 2011 

  33. gloriamiller

    March 28, 2011 at 6:04 pm

    Sarah Herbert,Tammy Johnson,Sheryl Lopez,Carly Pelland.Just a couple more new names you can add to the list.These people I have spoken to and the owners are an added bonus.

  34. gloriamiller

    March 28, 2011 at 10:04 pm

    Sarah Herbert,Tammy Johnson,Sheryl Lopez,Carly Pelland.Just a couple more new names you can add to the list.These people I have spoken to and the owners are an added bonus.

  35. Lkadog

    March 26, 2011 at 6:21 pm

    They are also calling from a Bethany, Ohio number 513-847-0126. With a sales person Kathy Caulk.

  36. Lkadog

    March 26, 2011 at 10:21 pm

    They are also calling from a Bethany, Ohio number 513-847-0126. With a sales person Kathy Caulk.

  37. Linne

    February 10, 2011 at 9:25 am

    2/9/11-Va. Beach, Va.
    Received a call from Betty regarding saving me 20,000 in interest on my CC balances. She could not answer my questions so Fallon (a supervisor) got on the line. When I asked what the cost was going to be to me she said there are no “up front” costs. I again repeated the question and said up front is evasive and does not answer that question. She proceeded to tell me they get a small % from the banks…bla, bla, bla! I asked alot of questions, will the intrest rates be reflected on all statements etc. She said absolutely! She explained further and then was asking for CC info which I again questioned. I thought I would beat her at her own game by giving her an account I had that was closed but I was still making payments on. Now none of my cards have ever been late and I am not over the limit on anything but she could not take that card. If I had NOT told her the acct was closed it would have been OK as what they do is call the 800 # to verify balance, last payment and avail credit. She also went on about how they could not erroneously charge anything on that card without the CVV # and I told her that was not so true. So I decided to give her the # of a Chase card I had. (Chase is great) She put me on hold and verified everything and then came back on the line and said OK everything is good, however the limit on this card is $2350 and we need a card with at least a $2500 limit on it (red flag there) I said well you did not tell me that to start of with …If that is criteria why would you not disclose that from the beginning? Oh I am sorry I just forgot. She then proceeded to push me for another card with a higher limit and I told her yes I have them but no I am not giving them. IF THAT WAS THE 1 PIECE OF CRITERIA THEY HAD WHY WOULD THEY NOT DISCLOSE THAT!!!! She was not rude at all but knew her game well. As we spoke I went to their website which she gave me….It does not tell you anything…she said that was because the real info is in the members section. That’s a great way to up sell your services I thought and I thanked her and said goodbye. I immediately checked my Chase card to see if anything had been charge in pending transactions….it had not…and then I called Chase explained to them and they immediately closed the account and sent me new cards to be here in a day.
    The number this individual called me from was a local number, 757-304-3017 of course (Unknown) on CID. It originates from the Franklin, Va. area. I called it back from my cell phone which has an out of state exchange and after many rings she did answer “IWB” I hung up. I then check the BBB…http://www.bbb.org they are not registered with them and they have 93 complaints lodged against them. Company is located in Clearwater, Fl., but I got a call from a local number. Yes I know there are alot of business’ that have outside reps and they work out of home offices etc. but when it comes to this type of PERSONAL business let’s all be careful!

  38. Linne

    February 10, 2011 at 2:25 pm

    2/9/11-Va. Beach, Va.
    Received a call from Betty regarding saving me 20,000 in interest on my CC balances. She could not answer my questions so Fallon (a supervisor) got on the line. When I asked what the cost was going to be to me she said there are no “up front” costs. I again repeated the question and said up front is evasive and does not answer that question. She proceeded to tell me they get a small % from the banks…bla, bla, bla! I asked alot of questions, will the intrest rates be reflected on all statements etc. She said absolutely! She explained further and then was asking for CC info which I again questioned. I thought I would beat her at her own game by giving her an account I had that was closed but I was still making payments on. Now none of my cards have ever been late and I am not over the limit on anything but she could not take that card. If I had NOT told her the acct was closed it would have been OK as what they do is call the 800 # to verify balance, last payment and avail credit. She also went on about how they could not erroneously charge anything on that card without the CVV # and I told her that was not so true. So I decided to give her the # of a Chase card I had. (Chase is great) She put me on hold and verified everything and then came back on the line and said OK everything is good, however the limit on this card is $2350 and we need a card with at least a $2500 limit on it (red flag there) I said well you did not tell me that to start of with …If that is criteria why would you not disclose that from the beginning? Oh I am sorry I just forgot. She then proceeded to push me for another card with a higher limit and I told her yes I have them but no I am not giving them. IF THAT WAS THE 1 PIECE OF CRITERIA THEY HAD WHY WOULD THEY NOT DISCLOSE THAT!!!! She was not rude at all but knew her game well. As we spoke I went to their website which she gave me….It does not tell you anything…she said that was because the real info is in the members section. That’s a great way to up sell your services I thought and I thanked her and said goodbye. I immediately checked my Chase card to see if anything had been charge in pending transactions….it had not…and then I called Chase explained to them and they immediately closed the account and sent me new cards to be here in a day.
    The number this individual called me from was a local number, 757-304-3017 of course (Unknown) on CID. It originates from the Franklin, Va. area. I called it back from my cell phone which has an out of state exchange and after many rings she did answer “IWB” I hung up. I then check the BBB…www.bbb.org they are not registered with them and they have 93 complaints lodged against them. Company is located in Clearwater, Fl., but I got a call from a local number. Yes I know there are alot of business’ that have outside reps and they work out of home offices etc. but when it comes to this type of PERSONAL business let’s all be careful!

  39. Nicka531

    February 4, 2011 at 2:10 pm

    the only reason u welcome it is because you r well prepared for any such investigation. ur a well scripted scam. i worked there for quite a while up until 2 weeks ago. and no, ur info isnt shredded, its written on a piece of paper, which floats around the room until the cleaning crew throws it away. unlike other call centers, there is NOTHING stopping these ppl from takin ur info and usin it against u. how can u love working there when we got sent to the Farm Stores to cash our checks? i still havent recieved my final check. step outsu=ide of ur delusion, im assuming ur a closer. heyy its Nick Adams

  40. Nicka531

    February 4, 2011 at 2:04 pm

    lies

  41. Alf10022

    February 1, 2011 at 6:50 pm

    All of these comments just confirmed what my gut instinct told me after spending five minutes on the phone this evening withe Michael Chavez, obviously a new name to WLB’s roster. Because I had reluctantly given them a credit card number and 800 number, the moment I hung up the phone I called my credit card customer service representative and cancelled the card before they were able to charge anything to it. They are very well rehearsed, work in tandem and don’t like to be told no, particularly when I insisted that I would not approve anything over the phone and wanted their offerings and guarantees in writing before I would continue. Hopefully that will do it, but based on the comments herein, I no doubt will get follow up calls. I will listen to my gut going forward!

  42. roxigrrrl

    January 26, 2011 at 5:29 pm

    actually peoples FULL credit card # is NOT on the statement..you must not have any credit cards or you would know that…

  43. Iwb employee

    January 22, 2011 at 1:23 pm

    I wish you would investigate our company and put an end to all of these rummors. I work for IWB and I assure you that your personal information was shredded when u declined becoming a member. Why is it that ppl are more willing to wait til they are way over their heads in debt to the point they are forced to default on their cards before they realize that they can take control of it while they are in good standings? Attack our company all you want bc we are still saving ppl money at the end of the day, with tens of thousands of clients that utilize ALL the services we provide as part of their membership.. So yes please do investigate we welcome it.

  44. Iwb employee

    January 22, 2011 at 6:23 pm

    I wish you would investigate our company and put an end to all of these rummors. I work for IWB and I assure you that your personal information was shredded when u declined becoming a member. Why is it that ppl are more willing to wait til they are way over their heads in debt to the point they are forced to default on their cards before they realize that they can take control of it while they are in good standings? Attack our company all you want bc we are still saving ppl money at the end of the day, with tens of thousands of clients that utilize ALL the services we provide as part of their membership.. So yes please do investigate we welcome it.

    • Nicka531

      February 4, 2011 at 7:10 pm

      the only reason u welcome it is because you r well prepared for any such investigation. ur a well scripted scam. i worked there for quite a while up until 2 weeks ago. and no, ur info isnt shredded, its written on a piece of paper, which floats around the room until the cleaning crew throws it away. unlike other call centers, there is NOTHING stopping these ppl from takin ur info and usin it against u. how can u love working there when we got sent to the Farm Stores to cash our checks? i still havent recieved my final check. step outsu=ide of ur delusion, im assuming ur a closer. heyy its Nick Adams

    • IWB Insider

      September 3, 2011 at 7:30 am

      IWB is bouncing paychecks, and in debt over their head. They have to send their employees to check chasing places to float the payroll. Why, would anyone trust an organization, promising debt relieve, and they can’t even handle their own payroll, and expenses.
      Further, they are under investigation by the States Attorneys office. 

    • Pmiles90

      October 24, 2011 at 6:50 pm

      Whatever. This is not a legit company. Any business that makes their employees go to a small Farmers store to cash their check needs to be investigated and shut down. You probably wouldn’t even provide this company with your own cc #. Personal information is not shredded. A manager left a customer’s cc info on a desk just ripped a few times. The paper was not shredded or in the trash can. Are you sure you work there? You must work with your eyes closed. In 2 days, I have seen enough to where this company shouldn’t be in business. This company is rated a F on BBB. Wow. That says enough. Do your research.

  45. YYYYyyyyyea

    January 20, 2011 at 4:31 am

    I work there. They are a SCAM

  46. YYYYyyyyyea

    January 20, 2011 at 9:31 am

    I work there. They are a SCAM

  47. Nwpawnshop

    January 7, 2011 at 3:45 pm

    Innovative Wealth Builders is a scam they tell you one thing on the phone when getting you to send in your information then all they do is a debt roll down for you which you can get FREE over the internet. That are LIERS LIERS LIERS and charge you to screw you.

  48. Nwpawnshop

    January 7, 2011 at 8:45 pm

    Innovative Wealth Builders is a scam they tell you one thing on the phone when getting you to send in your information then all they do is a debt roll down for you which you can get FREE over the internet. That are LIERS LIERS LIERS and charge you to screw you.

  49. really

    January 5, 2011 at 3:36 pm

    wow, they are very legit..actually. they ask for the credit card information so that they can verify the standing on your account, they return promptly to the phone, and tell you the benefits of the program. your choice to accept..what teh rest of the idiots didnt tell any of you is that your sixteen or fifteen digit card info is on your statements, so any idiot can just take your numbers.

  50. really

    January 5, 2011 at 8:36 pm

    wow, they are very legit..actually. they ask for the credit card information so that they can verify the standing on your account, they return promptly to the phone, and tell you the benefits of the program. your choice to accept..what teh rest of the idiots didnt tell any of you is that your sixteen or fifteen digit card info is on your statements, so any idiot can just take your numbers.

    • roxigrrrl

      January 26, 2011 at 10:29 pm

      actually peoples FULL credit card # is NOT on the statement..you must not have any credit cards or you would know that…

  51. Bill

    December 27, 2010 at 6:36 pm

    I really appreciate the information you posted. Natasha Kimmel called for IWB today. A good part of the presentation was very unclear as to what they were offering and how I would be paying. The price was $1395. For “qualification” they asked for my credit card number, my name, my birthdate, the first 4 letters of my mother’s maiden name, and the last four digits of my social security number. Because I knew nothing about this company, I wanted them to send me paperwork to review and to give me time to check out their credentials before acceptance. But instead, they railroaded me through to a reading of the contract over the phone. When I told them that I did not want to commit right now, they began applying unprofessional pressure tactics so I discontinued the call. I later found your website. I have cancelled my credit card, but am still concerned about personal information that was given to them. The request for that information alone sent up a red flag. They also claimed that they could lower the interest rates on my home mortgages, which seemed highly unlikely. Again, thank you, and yes, I think they should be investigated.

  52. Bill

    December 27, 2010 at 11:36 pm

    I really appreciate the information you posted. Natasha Kimmel called for IWB today. A good part of the presentation was very unclear as to what they were offering and how I would be paying. The price was $1395. For “qualification” they asked for my credit card number, my name, my birthdate, the first 4 letters of my mother’s maiden name, and the last four digits of my social security number. Because I knew nothing about this company, I wanted them to send me paperwork to review and to give me time to check out their credentials before acceptance. But instead, they railroaded me through to a reading of the contract over the phone. When I told them that I did not want to commit right now, they began applying unprofessional pressure tactics so I discontinued the call. I later found your website. I have cancelled my credit card, but am still concerned about personal information that was given to them. The request for that information alone sent up a red flag. They also claimed that they could lower the interest rates on my home mortgages, which seemed highly unlikely. Again, thank you, and yes, I think they should be investigated.

  53. Steve Rhode

    December 20, 2010 at 10:36 am

    You should be.

  54. Beauty4u

    December 20, 2010 at 10:32 am

    “Tracy” from Minnesota keeps calling us (from 952-562-0246), and says they work directly with our banks, been in business since March of ’08. …still skeptical.

  55. Beauty4u

    December 20, 2010 at 3:32 pm

    “Tracy” from Minnesota keeps calling us (from 952-562-0246), and says they work directly with our banks, been in business since March of ’08. …still skeptical.

  56. Mike

    December 6, 2010 at 3:25 pm

    Don’t know if they are a scam, but they won’t stop calling my office line. I’ve informed them three times that they are calling a business and each time they claim they’ll take me off of their call list. Unfortunately, I can usually expect a call within the next 24 hours. They now call 2-3 times per day but rarely is anyone on the other end of the phone. It’s dead air. They may or may not be a scam, but they aren’t very smart.

  57. Mike

    December 6, 2010 at 8:25 pm

    Don’t know if they are a scam, but they won’t stop calling my office line. I’ve informed them three times that they are calling a business and each time they claim they’ll take me off of their call list. Unfortunately, I can usually expect a call within the next 24 hours. They now call 2-3 times per day but rarely is anyone on the other end of the phone. It’s dead air. They may or may not be a scam, but they aren’t very smart.

    • Pmiles90

      October 24, 2011 at 6:45 pm

      The next time they call you, inform them that you are a Do Not Call list and they should not be calling your phone. It is illegal for them to call you again. I am not sure of the website, however if you google Do Not Call list, you should be able to find it. You will need to register with the Do Not Call list, that stops telemarketers from being able to contact you. Hope this helps.

  58. Rvlamb

    November 16, 2010 at 5:36 pm

    Innovative Wealth Builders from Clearwater Florida have been calling me 4 to 6 times daily with an auto dialer from a North Carolina number. The system and process is harrassment at this point. I have requested for them to remove my name from the dailer at least 6 times and I continue to get calls. People answering the phone, (Chris-rude and hangs up on me, Brenda-helpful not successful in getting my name off the list and several others have not been able to remvoe my name. This whole program feels like some type of scam. No one will pass me to a manager to stop the harrassing phone calls. How can you stop the calls from these people???

  59. Rvlamb

    November 16, 2010 at 10:36 pm

    Innovative Wealth Builders from Clearwater Florida have been calling me 4 to 6 times daily with an auto dialer from a North Carolina number. The system and process is harrassment at this point. I have requested for them to remove my name from the dailer at least 6 times and I continue to get calls. People answering the phone, (Chris-rude and hangs up on me, Brenda-helpful not successful in getting my name off the list and several others have not been able to remvoe my name. This whole program feels like some type of scam. No one will pass me to a manager to stop the harrassing phone calls. How can you stop the calls from these people???

  60. Blidiacraig

    November 7, 2010 at 6:30 pm

    Innovative Wealth Builders offered to consolidate my credit cards for a cost of $1, 595.00. I decided to take the service, but few minutes after I stop talking to them I thougt that they were going to charge without completing the service. I call them to cancel within the 30 minutes after I had taken the service, and they asked me to talk to a different representative, who was trying to make me change my mind. Even, one of the representatives, a female, told me in a very agressive way that I was not going to get my money back, and that they were not going to cancel. They had told me that I had 3 days to think about, and cancel if I decided to. I called my credit car company, and they did an investigation, but this company is using against me the information I gave to the service, but not acknowlaging that I canceled. To this point they had charged over $2.000.00 to my credit card. Even they charged $799.00 for compliting the service, which I had not used. I have information from them, were they are stating that they will only charge me the $ 799.00 if they show me a saving. This is the first time that I am facing a situation like this, and I will keep writing to not let this people laying about their agreemants.

  61. Blidiacraig

    November 7, 2010 at 11:30 pm

    Innovative Wealth Builders offered to consolidate my credit cards for a cost of $1, 595.00. I decided to take the service, but few minutes after I stop talking to them I thougt that they were going to charge without completing the service. I call them to cancel within the 30 minutes after I had taken the service, and they asked me to talk to a different representative, who was trying to make me change my mind. Even, one of the representatives, a female, told me in a very agressive way that I was not going to get my money back, and that they were not going to cancel. They had told me that I had 3 days to think about, and cancel if I decided to. I called my credit car company, and they did an investigation, but this company is using against me the information I gave to the service, but not acknowlaging that I canceled. To this point they had charged over $2.000.00 to my credit card. Even they charged $799.00 for compliting the service, which I had not used. I have information from them, were they are stating that they will only charge me the $ 799.00 if they show me a saving. This is the first time that I am facing a situation like this, and I will keep writing to not let this people laying about their agreemants.

    • Alf10022

      February 1, 2011 at 11:50 pm

      All of these comments just confirmed what my gut instinct told me after spending five minutes on the phone this evening withe Michael Chavez, obviously a new name to WLB’s roster. Because I had reluctantly given them a credit card number and 800 number, the moment I hung up the phone I called my credit card customer service representative and cancelled the card before they were able to charge anything to it. They are very well rehearsed, work in tandem and don’t like to be told no, particularly when I insisted that I would not approve anything over the phone and wanted their offerings and guarantees in writing before I would continue. Hopefully that will do it, but based on the comments herein, I no doubt will get follow up calls. I will listen to my gut going forward!

  62. Ticked off and broke

    October 21, 2010 at 6:20 pm

    SCAMMERS….i know someone that works there. Not only are they well scripted scammers but they can’t even pay their own employees!! The paychecks that have been deposited into my back have all bounced…let me repeat that EVERY PAYCHECK HAS BOUNCED! I’m currently sitting at -$235 not to mention there are still NSF fees pending! Investigate them, close the company down and see if you can slap them with charges!

  63. Ticked off and broke

    October 21, 2010 at 10:20 pm

    SCAMMERS….i know someone that works there. Not only are they well scripted scammers but they can’t even pay their own employees!! The paychecks that have been deposited into my back have all bounced…let me repeat that EVERY PAYCHECK HAS BOUNCED! I’m currently sitting at -$235 not to mention there are still NSF fees pending! Investigate them, close the company down and see if you can slap them with charges!

  64. Sonya Jackson

    July 29, 2010 at 9:25 pm

    This is my second comment to this site. Thought I was through with these scam artists, but just got a call from my (thankfully diligent) credit card company asking me if I had authorized a charge from Innovative Wealth Builders. Absolutely no way. I advise anyone that has given these scumbags their info to cancel their card immediately, (I should have done this earlier myself)-they will keep on ripping you off!

  65. Mark Antkowicz

    July 25, 2010 at 10:42 pm

    Here is what they do.
    For a large fee they will tell you to pay credit card companies the amount they say you can pay your bill in three years. If you can’t pay that amount per month they can do NOTHING. They will charge you to tell you what you already know.
    They provide NOTHING.

  66. Lu

    July 19, 2010 at 2:20 pm

    Got a call from a man named Bill Paukert who gave me their call back # of 1888-748-5670 and told me he was from Innovative Wealth Builders Inc and his corporate ID was 5308. He asked me how much debt I had and wanted to know the 1800 # on the back of the credit card. Then when he asked me for my cc # I told him no and he got a supervisor on theline. I work late shifts in the hospital and had been woken up by the call, but after him asking me that Iknew it was a SCAM! Americans screwing americans – this makes me sick!!! When does it end?

  67. Kristen

    June 24, 2010 at 6:54 am

    Well I received a call from them last night and the rep was one of the names listed above. I provided her with a cc number and she put me on hold for about 1 minute while she called them to get me balance information. She came back on the line and told me that I was too close to my card limit but she would ask her supervisor if they could push me through and get approval for the program. She put me on hold again and then a guy came on and told me that there wasn’t anything they could do for me right now but after I made 1 more payment, I would be in the range where they could approve me. Not sure how that is possible because this is a high interest rate card and with me just paying the minimum due, my principle will probably only decrease by about $40 which is no way would put me in the range to get approved by their standards. They said they would call me in July but I am going to tell them no thanks!!

  68. All Knowing

    June 1, 2010 at 11:49 am

    I will shed some light on this subject.Im a past employee that has seen everything.First you have to start with square one.This company is a spawn of several different companys.Back in 2003 a company named finacial freedom by an owner named Thomas Ghram.This man is the ring leader for all the other iso offices that followed.Here are there names Consumer finacial advisory board,Finacial Educational Services,Innovative Wealth Builders,and more iso companys.Tammy and Cheryl the owners of I.W.B are still working with thomas grahm.So now they can push the same product if you want to call it that from multiple places.This product was started as debt relief program that promises to lower intrest rates.This is a flat out lie.Now its a cancle scam the fee origanaly started at 499.00 and is now up to the 3,000 range.The reason for this is when you enroll they tell you can cancle the service with a full refund.Thats another lie if you cancle they keep 20to50% of the original fee.There fore the company dosnt care if you cancel cause they still got some of your money.As far as there consultants none are have a licence to work with you lenders.Any can do what they do call yourbank and get a balance transfer they will work with you just like there so called consultants.I truly think these companys are getting ready shutdown.Florida State Goverment is now starting to take action for all the people that got ripped off back in 2003 Thomas Grahm,Tammy and Cheryl have court dates coming up.These companys are also getting some attention from some banks that are going to discontinue prosessing charges for these companys.Hence the customer receives no help and there employee’s dont get paid.Something like this has never happened to these companys in over 7 years of doing this .They wont last much longer .

  69. Mark

    May 21, 2010 at 10:50 pm

    I got a call from Mary Mortti this morning,5/21/10. She said all of the above sunshine pump B S. I knew it was a scam when they asked me for my card number and the three digit code on the back. I called the phone number later that evening and it was answered with the company name. I think I will call them back and tell them I have found out that, as I expected, they are full of crap.
    Praise Jesus ! Mark, from Indianapolis

  70. Cliff Easton

    May 13, 2010 at 4:40 pm

    Sonja Jackson hit the nail on the head. I checked and could see no change in my credit card rates. All they did is ask me to increase payments on one card as the other is paid off. Boy, that’s brilliant. I recommend Dave Ramsey’s website for the best solution to responsibly eliminating debt. There are, of course, others that do a good job at credit counseling. IWB is not one of them. If they are not outright scammers, they do, at the very least, misrepresent what they can actually do for their clients – and collect a healthy fee for their misrepresentations, in my view.

  71. Sonya Jackson

    May 10, 2010 at 2:38 pm

    I’m usually smarter than this, but I fell for their very convincing promises of lowering my INTEREST RATE on my one and only credit card. I had tried myself and failed to get the rate lowered which I told IWB, but they assured me that if they could not do so my payment would be refunded. 6 months later, no lower rate, but I did recieve a “portfolio” today which looks like a 7th grade project, telling me that if I make bigger payments my debt will be payed off quicker. No sh*t! These people are nothing but scam artists, albiet good ones.

  72. maxx

    April 29, 2010 at 6:43 am

    i am working for this company and ive herd people on the phone after we have talked to their banks to lower their rate and some were brought to tears and as for the employes ive never had a job ive enjoyed so much. before u assume anything about this company give us a chance to help you. its not a scam we are good people who have worked hard to help you.

    • terry

      May 10, 2010 at 11:01 am

      i fell for this program. i told them there was nothing they could do for me but they made me pie in the sky promisis. they did absolutley nothing for me and promised to give me a 50% refund which i never recieved. they are ruthless thievs that belong in jail period! the last thing i needed was to be robbed by these people.

    • mary

      July 19, 2010 at 5:34 pm

      how can you help with finances if u be no speal riyte!!!!

    • Nicka531

      February 4, 2011 at 7:04 pm

      lies

    • Pmiles90

      October 24, 2011 at 6:32 pm

      Yea right. I really doubt that. This company has something illegal going on and the workers and especially management are extremely unprofessional. They would never get my cc #. What about this job do you enjoy so much. It’s not like they pay well and when you are paid, you have to go to the place they tell you to cash your check.

  73. Sandra

    April 16, 2010 at 12:27 pm

    Sadly enough this company doesnt take care of their employees either they constantly bounce payroll checks and they recruit their employees right out of the local jail they have no hiring expectations as long as someone can talk they will be hired..They can only employee people who are desperate enough to work there and desperate enough to stay after continuosly bouncing checks.. So if they are taking all of this money from consumers and not paying employees where is the money going.. If it looks like embezzelment and seems like embezzelment it must be EMBEZZELMENT!!! SOMEBODY PLEASE SHUT THIS COMPANY DOWN!!!

    • t webster

      May 3, 2010 at 10:33 pm

      who are you and who are you listening 2 do not beleve people like MARY MORTTI what a HIPOCRITE HOLD AN ANGEL TO GET YOUR MONEY !!!!!!!!!!!
      we are real just do not fake it and lie that’s what will get in trouble MARY MORTTI !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1

  74. mary

    April 13, 2010 at 9:28 pm

    if u r going to attack make sur info and spelling of names is right !!!!!!

  75. Terri

    March 23, 2010 at 2:06 pm

    I just got off the phone with this company and just gave them all the info they needed. What a fool I was, but my husband was listening on another line and at least he was fooled too. My husband was not too upset though, because we were close to our max on our card, and if they were a scam, they couldn’t get much! Next, as I was holding, a Steve came on line and said, that because our acct was close to our limit, didwe have another credit card. I said no and he then said that they could not help us at this time, but when we had lowered the amount due to call them back. the name of the person that they gave me was Sandra Hargrove and the tel # 1-888-748-5760. I just got off the phone with my credit card company, and explained the above. They are issuing me new cards as we speak. I must thank my granddaughter for helping me find this web site……

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