Priority Direct Marketing / Fradulently charged to credit card
This company claims to be a debt consolidation company that will not effect your credit, but will negotiate directly with card companies to lower your APR and forgive old charges in your principal. They have a very fast talking process that prompts you to provide information necessary for processing while assuring you that over the phone business is covered common and completely insured. They use the information obtained to place unauthorized charges on your credit card ($990) which are billed as "advertising services" to your card company.
Do not be as naive as I was! do not share your expriation date or validation number on the back of your card with anyone unless you are making a purchase you authorize. this should be common sense, but for me it was not. i probably overlooked it because i was so eager to have an advantage for managing credit.