I was contacted in May of 2008 with an opportunity to take 'first steps towards financial freedom'. The telephone caller offered ways to save me a minimum of $4000 with an accelerated payment schedule and promised reduced interest rates on my outstanding credit debt. The cost would be $900 on my highest debt holding card, and then they would contact credit companies to reduce rates and work out payments over a 4 year period or less. This initial fee was arranged and paid within the weekend.
I submitted material, but heard nothing from the company after we filed the initial forms (indicating credit companies and debts). After making one phone call in late summer, early fall, someone arranged to call me and negotiate with several credit card companies. In calling Discover, we found that I was already at a lower interest rate and merely adjusted the amount that I could put to the card. He then proceeded to arrange an American Express new card for me, but asked me to lie about my income level so I could get a better interest rate. I didn't, and hence didn't get the AmEx better rate.
Since that phone call, I have had nothing change on my online report with ClearBreeze, and have not been able to contact them by phone. The BBB has not had any success, either.
I would like my money back, but certainly want to warn others of this rip-off credit consolidation scheme.
I was initially led to believe that I was speaking to my credit card co. They then got my credit card info, saying I was eligible to have my interest rates lowered becaus I pay all my bills on time. I asked if this would cost me anything and was told "no". They are paid by the credit card companys. I was very unsure of this and discussed it with my children's father right as I hung up. He said to call back and cancel. I did so immediately, but was told they had no cancelation policy. I quickly called my credit card and was told they had already charged my card, $990. I was told it was not fraud because I gave them the credit card number.
Clear Breeze Solutions called my grandfather on 9/23/08 with a "lower your interest rate" offer on his bank of america credit card. He has excellent credit already and they told him "we did not get your name from a phone book, we got it from bank of america". How scary is that? Obviously, they got his account info from Bank of America, because they told him what his balance was. They had someone on the line that was supposed to be from bank of america, told him what his current balance was, and promised him that they could lower it his balance by 2, 100 if he would authorize them to charge 990.00 to his credit card immediately. Of course, trusting them, he did.
The next day, he called them (after thinking if it's too good to be true - it PROBABLY IS) and told them he didn't want their services, to void any previous agreements. They said they would send him out a packet of info and he told them he wouldn't be signing and returning anything, he didn't want it!
He called Bank of America, they said they had never heard of the person (Paula) that was supposed to be on the line from Bank of America. They gave him a phone number to report fraud. He called Clear Breeze Solutions, explaining that he was on to them and that Bank of America told him they weren't affiliated with their company and once again told them he DID NOT WANT THEIR SERVICES!
I (granddaugher) called Clear Breeze Solutions today, 10-30-08 and tried to explain that he cancelled the agreement the day after THEY CALLED HIM. The representative Laola, told me that he authorized it and she could play me the tape. She also said that if I tried to despute it with the credit card company that they would just call them and they'd play them the recorded authorization and the client would LOSE! I told her that he wasn't disputing that he originally agreed to the authorization, the point was that he followed the 3 day right to recission law and he needed a refund. She argued (of course) with me and said that they didn't have a CANCELLATION POLICY, she would have a supervisor Mark Sherman to call me back. He hasn't as of yet. I told her it was wrong to solicite a senior citizen on a fixed income. She said, "he sounds like he's of clear mind to me".
I will be calling them back tomorrow, but this company is a joke. Anyone who is thinking about signing up with them - reconsider. I am sure there are other companies out there who will be able to help you. Companies like this give legit ones a bad name.
When i was phoned at my home in july/08. I was told that they would be finding me the lowest interest rates. To combine all my credit cards two one card that they would be sending me. Now I just recevied a bill for over $700.00 to my other credit card. I have not recived anything from the people that had called themselves My ex banker. Not Cleaer breeze solutions, who is that any way. I've heard of my ex banker but not this company "Clear Breezr Solutions". I have enough bills already, not to pay for something that does nothing but take my hard earned money.
Hope everyone enjoys this, its quite interesting. Sitting at my desk going through paperwork and bills, i...