PDM International What you need to know about PDM International and how not to be scammed Bedford Texas
PDM International
Phone: 817-354-5478
Fax
:
www.prioritydirect.net
Bedford, Texas,
U.S.A.
Submitted: 12/18/2008 1:41:13 PM
Modified: 12/18/2008 1:41:00 PM
Jimmy
Richmond, Virginia
Ripoff Report Verified Safe
**This summary of my experience with PDM International intends to help other consumers in dealing with this horrendous company who have already been duped and is notice to others to NEVER agree to their services. This is lengthy, but if you want your money back, I suggest you read in its entirety.***
I was contacted by PDM International in September 2008 claiming that they could negotiate with my credit card companies to reduce my interest rates and, in turn, save me money in the long run. After agreeing to their offer, which they record (more on this later), I was told I would receive a package in the mail to fill out all of my relevant information relating to my credit cards. I received the package from a company called DMCC Corp, a credit counseling company who services the accounts for PDM. I returned the information packet and a representative then set up a time for when I would be contacted by a credit counseler.
The rep called me and said she would begin by calling my credit card companies one by one with me on the line. To my amazement, the only thing this representative did was simply request a lower interest rate for my card. It does not take a genius to understand that YOU are fully capable of contacting your credit card company and requesting the same exact thing. After being completely unsuccessful in lowering any of the interest rates, the representative attempted to have my higher interest rate balances transferred to my card with the lowest interest rate. Again, is this not something you can do ON YOUR OWN? I asked the representative if this is the extent of their services, and she affirmed. I then asked if she thought this was something I could do on my own, and she once again affirmed. I told her I was no longer interested in proceeding with the process.
The next steps in dealing with PDM proved to be the most infuriating experience of my life. I called their telephone number 1-877-354-5485 only to reach an 'answering service' that forwards your message along to the people at PDM. The answering service did not have a direct line to PDM and could not provide any additional information simply because they did not know. I do not exaggerate when I say I called and left at least 12 messages before someone finally returned my phone call. I asked the girl who often took my messages if she receives calls from frustrated individuals like myself and she replied, 'all the time.' You can understand how incredibly angry I was at this point.
When a representative from PDM finally called me, I described my interaction with the credit counseler with DMCC Corp and ultimately told the PDM representative that because they were unable to lower my interest rates and save me 2 to 3 times the fee charged by PDM (which in my case was $490) as promised, I expected a full refund. This is where the situation gets saucy. I was told by PDM that there was an additional step in the process to ensure the savings of 2 to 3 times the processing fee. PDM expected me to open ANOTHER credit card at a lower rate to facilitate a balance transfer for all of my outstanding balances. I truly could not believe what I was hearing considering the fact that PDM NEVER once mentioned anything about a balance transfer as being part of their program. I argued and argued with the PDM representative on the phone and had her play back the phone recording of the original conversation with me agreeing to their services. The recording clearly stated that PDM's program would save me 2 to 3 times the processing fee and that if they were unable to do so, I would receive a full refund.
I contested their latest stipulation because it was ridiculous that I would have to open ANOTHER credit card for a balance transfer and the fact that they NEVER said anything about it. I again reaffirmed that they were unable to provide their services and I wanted a refund. I was then told that since I was not agreeing to the balance transfer, I was essentially opting out of their services and would receive no refund. I was about to lose my head at this point. I demanded to speak to a manager. The great manager that I got to deal with was Gary Limburg (not sure of the spelling).
My conversation with Gary was very similar to the one I had with the original PDM representative. He would not budge from his position. I was told I would be receiving a follow-up letter from DMCC that outlines the balance transfer possibilities and the amount of anticipated savings I would receive by accepting the balance transfer. I was again warned of the fact that if I did not accept their advice, which included the balance transfer, I would be opting out of their services. What great advice, let me tell you. I proceeded to tell Gary how ridiculous PDM's program is and how they did not provide any worthwhile service. He didn't seem to care. I asked him how many accounts PDM services on a monthly basis and he replied, 'around 3, 000.' I then asked why he was giving me such a hard time in refunding my money when he clearly has 3, 000 other accounts to STEAL from each month. I did not receive a substantial answer. Lastly, I asked him if anyone in the past had ever objected to their services in the way I had and he replied, 'No.' What a joke. Gary finally said that if the balance transfer could not provide the stated savings, I would need to receive correspondence from DMCC saying so.
So, I finally received my follow up letter from DMCC. It contained an offer for a credit card with a low rate balance transfer option and also displayed a table showing how much money I would be saving on each of my credit cards if I were to accept the balance transfer offer. I called the DMCC rep who signed the letter, Jeremy Montanti, and I told him that his analysis would not save me the 2 to 3 times the processing fee. His analysis calculated a scenario that had me paying off my credit cards over 3 years. I told him that I pay well over a $1, 000 a month on my credit card balances and therefore would be paid off well in advance of any savings I would receive through the lower interest rate. He agreed that I would not reach the stated level of savings. I had him send me an email stating this situation and then forwarded to Gary at PDM. To no suprise, Gary did not acknowledge my email. I had to track him down.
After trying AGAIN to contact PDM through their 'answering service', I tried to find another way to directly contact them. I did a search on google maps for PDM International, Inc. and successfully located them in Bedford, Texas. Fortunately, google displayed the direct line to PDM's 'customer service' department (Isn't that the funniest joke you have ever heard of in your life? PDM and Customer Service in the same sentence. The guy on the recording even hesitates to call it 'customer service'). That telephone number is 817-354-5478. Dial '2' to reach Gary directly. Dial '3' and you will receive the wrath of some lady named 'Marty'.
I finally got a hold of Gary. Said me, 'Gary, why have you not returned any of the messages I left you to return my phone call?' Said Gary, 'I have not received any of your messages.' So much for a functional 'answering service'. Anyways, I had to resend the email from Jeremy Montanti to Gary while I was on the phone with him to make sure he received the correspondence. Gary accepted the email saying I would not receive the promised savings and he proceeded to tell me he would forward the request for a refund on to the 'refund department'. Yes, apparently at PDM they have an entire 'refund department'. I asked Gary to copy me on the correspondence he was sending to the 'refund department', but he never did. I had to follow up with him, again, to ask why I was not copied on the email. He replied that he had been 'very busy with work.' Apparently too busy scamming other consumers. He said it would take 24 business days to process the refund (funny that it took minutes for them to charge my credit card with the initial fee). After 24 business days had passed, I called PDM again demanding to know where my refund was. This is when I spoke to 'Marty' who was probably the rudest person I spoke to during this entire ordeal. She told me I was being ridiculous in demanding to know where my refund was and I was eventually hung up on.
TO MY UTTER AMAZEMENT, I actually received my full refund of $490 three days later. This was received on December 17, 2008. That totals three months in dealing with PDM International. The unfortunate thing about my dealings with PDM is that if I was not as persistent as I was, I would have never seen my money again and truly would have been scammed out of $490. PDM's apparent intention is to make it so incredibly difficult to contact them that people will eventually get frustrated and stop pursuing that matter and give up on any hope of getting their money back. They try to suggest you are not agreeing to their terms and, therefore, are opting out of their services, resulting in no refund. They will try and bring up other conditions of their program that were NOT originally stated, even when the original phone conversation recording is replayed. They try to charge you for services that YOU can do ON YOUR OWN if you need to negotiate with your credit card companies. One thing is for sure...PDM will SCAM YOU.
With all of the above being said, make sure you tell them that they will NOT be saving you the promised 2 to 3 times the processing fee because you plan on paying down your credit cards much faster than their stated scenario. You have to be persistant and simply outsmart PDM. Make sure you call the 817-354-5478 number instead of the fraud they call an 'answering service' that they have listed on their website and print materials. Most importantly, DO NOT ACCEPT THEIR OFFER IF YOU ARE CONTACTED BY PDM INTERNATIONAL. I was fortunate enough to get my money back, but I am sure thousands of people just like me and you have never seen a dime of a refund from PDM International.
I cannot believe that companies like PDM International can exist given the attrocious business practices they employ. I never wish any type of hardship upon anyone, but I sincerely hope that one day PDM International and everyone associated with this fraud of a company is hit with such a massive lawsuit that they are bankrupt and no longer exist.
Please feel free to reply to my post if you would like to discuss my dealings with PDM International. You are best off avoiding PDM International at all costs.
Jimmy
Richmond, Virginia
U.S.A
Registrant:
First Choice Financial
1100 Queens Ave
Oakville, Ontario L6H 2B5
Canada
Domain Name: FCHOICEFINANCIAL.COM
Created on: 26-Dec-08
Expires on: 26-Dec-09
Last Updated on: 26-Dec-08
Administrative Contact:
Richards, David
First Choice Financial
1100 Queens Ave
Oakville, Ontario L6H 2B5
Canada
4169999696 Fax --
Technical Contact:
Richards, David
First Choice Financial
1100 Queens Ave
Oakville, Ontario L6H 2B5
Canada
4169999696 Fax --
Domain servers in listed order:
NS.WEBPORTCENTRAL.COM
NS2.WEBPORTCENTRAL.COM
ddrichards@bell.blackberry.net
...
Domain Name: fchoicefinancial.com
Registrar: GODADDY.COM, INC.
Whois Server: whois.godaddy.com
Referral URL: http://registrar.godaddy.com
Status: clientDeleteProhibited, clientRenewProhibited, clientTransferProhibited,
clientUpdateProhibited
Expiration Date: 2009-12-26
Creation Date: 2008-12-26
Last Update Date: 2008-12-26
Name Servers:
ns.webportcentral.com
ns2.webportcentral.com
See fchoicefinancial.com DNS Records
Information Updated: Sat, 18 Apr 2009 23:08:44 UTC
FCHOICEFINANCIAL.COM NAME SERVERS
Name Server IP Location
ns.fchoicefinancial.com 216.220.37.217
Newmarket, ON, CA
ns.webportcentral.com
ns2.webportcentral.com
ping fchoicefinancial.com
FCHOICEFINANCIAL.COM DNS RECORDS
Record Type TTL Priority Content
fchoicefinancial.com A 1 day 216.220.37.217 (Newmarket, ON, CA)
fchoicefinancial.com MX 1 day 10 mail.fchoicefinancial.com
fchoicefinancial.com NS 1 day ns.fchoicefinancial.com
fchoicefinancial.com SOA 1 day ns.fchoicefinancial.com.
peter.CreativeInterface.com. 2008122603 10800 3600 604800 10800
fchoicefinancial.com SOA 3 hours ns.fchoicefinancial.com.
peter.CreativeInterface.com. 2008122603 10800 3600 604800 10800
mail.fchoicefinancial.com A 1 day 216.220.37.217 (Newmarket, ON, CA)
ns.fchoicefinancial.com A 1 day 216.220.37.217 (Newmarket, ON, CA)
www.fchoicefinancial.com CNAME 1 day fchoicefinancial.com
...
Whois Record
Registrant:
Creative Interface
626 Deerhurst Drive
Burlington, Ontario L7L 5W7
Canada
Domain Name: AFLFINANCIAL.COM
Created on: 28-Oct-08
Expires on: 28-Oct-09
Last Updated on: 28-Oct-08
Administrative Contact:
Bradstreet, Peter
Creative Interface
626 Deerhurst Drive
Burlington, Ontario L7L 5W7
Canada
(905) 333-5547
Technical Contact:
Bradstreet, Peter
Creative Interface
626 Deerhurst Drive
Burlington, Ontario L7L 5W7
Canada
(905) 333-5547
Domain servers in listed order:
NS.WEBPORTCENTRAL.COM
NS2.WEBPORTCENTRAL.COM
...
Whois Record
Registrant:
Elite Choice Financial c/o Free Private Reg
P.O. Box 81024
Burnaby, BC V5H 4K2
CA
Domain name: ECHOICEFINANCIAL.COM
Administrative Contact:
Richards, David
P.O. Box 81024
Burnaby, BC V5H 4K2
CA
852-3594-1708
Technical Contact:
Bradstreet, Pete
626 Deerhurst Drive
Burlington, On L7L 5W7
CA
903-333-5547
Registrar of Record: In2net Network Inc.
Record last updated on 07-Jun-2008.
Record expires on 13-May-2009.
Record created on 13-May-2008.
Domain servers in listed order:
NS.CREATIVEINTERFACE.COM
NS2.CREATIVEINTERFACE.COM
Domain status: clientTransferProhibited
clientUpdateProhibited
http://echoicefinancial.com/rapidprogram.htm
...
Elite Choice Financial???
Address:
10 Kingsbridge Garden Cir # 704
Mississauga, ON L5R 3K6
Phone:
(905)502-3508
Fax:
(905)502-3509
...
Jim the cop
850-438-3174
Filed by Jim the cop at 7/15/2008 11:35:25 AM
Caller Type: Telemarketer
Phone Number Owner: Elite Choice Financial
Phone Number Report: Caller said his name was Zane Green and he was located in Orlando, FL.
He stated that his company had a website: www.echoicefinancial.com This is who owns the
website. Registrant: Elite Choice Financial c/o Free Private Reg P.O. Box 81024 Burnaby BC
V5H 4K2 CA Domain name: ECHOICEFINANCIAL.COM Administrative Contact: Richards David
echoicefinancial.com@freeprivateregistration.com P.O. Box 81024 Burnaby BC V5H 4K2 CA 852
-3594-1708 Technical Contact: Bradstreet Pete peter@creativeinterface.com 626 Deerhurst
Drive Burlington On L7L 5W7 CA 903-333-5547 Registrar of Record: In2net Network Inc.
Record last updated on 07-Jun-2008. Record expires on 13-May-2009. Record created on 13-
May-2008.http://www.callercomplaints.com/SearchResult.aspx?Phone=850-438-3174&page=2
Filed by P at 7/7/2008 8:33:36 AM
Caller Type: Unknown
Phone Number Owner: Warranty Services
Phone Number Report: said they were "Account services" in Colorado Springs. Asking if I
had more than $3000.00 in debt on credit cards. I told them I was on the do not call list
in MA, and I wanted to kow who they were so I could report to the FCC. they hung up.
Filed by LadyP at 7/7/2008 12:35:21 PM
Caller Type: Unknown
Phone Number Report: Asked if I had over $3000 in debt on a credit card. When I told them
to removed me from their calling list, they hung up before I could finish the statement.
When I called the number back, I got the message "you have reached a number that has been
disconnected or is no longer in service". Reported them @ www.donotcall.go
Filed by Regian at 7/9/2008 8:45:50 AM
Caller Type: Telemarketer
Phone Number Report: Computer generated voice tells you to press 1--it is the laast chance
for a lower rate on your credit card interest. If you press 1, you get put on hold with
elevator music and then it disconnects you. My numer is listed on both the state and
national do not call lists.
Caller Type: Telemarketer
Filed by jean at 7/15/2008 9:09:40 AM
Phone Number Owner: Card Services
Phone Number Report: I have tried 3 times to stop calls from this number by pushing the
number to be removed from the list. I want the calls to stop immediately. I talked with
the rep this time a
* Report: #439829
* View Similar Reports
Report: Credit Card Services
Category: Credit & Debt Services
Credit Card Services credit card services annoying rude calls for credit card service
Redwood City California
Thank You
Credit Card Services
Phone: 305-625-3040
Fax:
Redwood City, California, 94062
U.S.A.
Submitted: 4/1/2009 10:13:32 AM
Modified: 4/1/2009 10:14:00 AM
Reported By
Judy
Woodside, California
Ripoff Report Verified Safe
For the past six months, we have been receiving annoying, automated calls offering to
lower our credit card interest rates. The calls have become increasingly more frequent and
interrupt our lives regularly. The call offers two menu selections, one to speak with a
representative and one to take advantage of the offer.
Two weeks ago, I spoke with a representative and told her to put me on their no-call list,
and she said that she would do so. We have received three calls since then. This morning I
spoke to a representative who hung up on me as I began speaking about the problem. I
dialed *69, but there is no call-back number. I called the operator to try to trace the
call unsuccessfully.
I want to find some way to stop these people from calling our home, and I don't know what
the next step would be in that process. Can anyone advise me?
Thank you in advance for your help,
Judy
Judy
Woodside, California
U.S.A.
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Default Need help researching a company
Elite Choice Financial
Website linky http://echoicefinancial.com/
My mother seen an add on TV, and contacted the company about her credit card debt. They
convinced her to pay them $800 in order to "lower" her interest on all of her credit
cards, therefore "making her monthly payments lower and more affordable". Sounds fishy
right? The site looks legit, but that means nothing. Google doesn't report much
information on the company. I sure hope it's not a scam for my mom's sake, but I have my
doubts.
I'm not really good at investigating companies like this, so much appreciated if anybody
wants to use some of their "google-fu" to help me out.
__________________.
http://www.wvago.gov/pdf/press/2009_ConsumersMisledbyaTexasDebtReliefCompany.pdf |
Date
137 days ago by 
137 days ago by 
