I too was scammed by Care-net. When I received the initial call, I was believed I was dealing with Chase since they had my credit card info. They indicated that they would lower my interest rate because they did not want to lose me as a customer. They stated customers were leaving for lower interest rates and they would lower mine to stay.
After speaking to several people, I realized this was a scam and requested to stop the process immediately. I was told it's to late, we have spent time talking to you and will charge the $1200 fee. And will proceed with collections if necessary. I spoke with George, Kendra Johns, Stephanie Bower and Manager Josh, which was fruitless. I explained they had done nothing for me, and again informed that I could not stop transaction.
They were rude, inappropriate, and became quite nasty when I refused to accept their services. I eventually just hung up and called Chase immediately. Chase changed my credit card number and indicated they would alert their managers.