Educare Reports & Reviews

Educare Reports & Reviews (2)

- Roseglen, ND, USA

Scammer's phone 18555634431
Scammer's address ?
Country United States
Victim Location ND 58775, USA
Total money lost $800
Type of a scam Credit Repair/Debt Relief

In 2016 I spoke with a representative from Educare Credit Services, they indicated that they could work with my creditors to lower the interest rates on my credit cards to an average of under 7%. I found out I had cancer and was worried about my debt because of my new situation. I entered two of my credit cards into the program. The total cost of this $798, taken in 5 monthly installments, only when they negotiated the lower interest rates. (within 72 hours or 3 business days), I called Educare back and requested that they cancel my agreement to which they refused numerous times. I also asked for a copy of our contract agreement to which they stated they could not provide me with. Against our verbal agreement, because Educare has stated that they cannot and will not send me a copy of our written agreement (easy since it does not exist), In addition, their negotiations resulted in one of my two credit cards being closed, which went against my stating that my goal was to continue to use both cards. Educare debited $159.60 from my account. I immediately contacted them and they agreed that they were not supposed to take a payment from me. I request an immediate refund to which they refused and stated that they would defer my next payment. I asked them to confirm that they are not supposed to take payment until they have completed their part of the agreement, lowering the interest rates of my credit cards, to which they agreed. A process that makes zero sense, I was informed that I would need to call in each month to remind Educare not to take payments. I again asked for a refund of the money they debited from my account, to which they refused. On ** January 2018, Educare again debited $159.60 from my bank account. I contacted them upset that this happened again. Educare did confirm that I contacted them on to ensure that they did not take money from my account but they did so anyway. I have routinely requested that Educare cancel our agreement, provide me with a copy of the agreement to which they have refused. I have also asked at which point that they determine that they are not able to fulfill their part of our agreement (that they are unable to provide me with) and refund me any funds they have taken, to which they "talk around" and not provide a concrete answer. From my standpoint, they are not able to meet their agreement. They have gotten one account closed, which was not part of any agreement and have been told by my other creditor numerous time that they will not lower my interest rate, As a result of their taking money from my account on two different incidents, I have has to close my account and reopen another. I request a resolution to this issue - Educare is a poorly executed company that operates with a total lack of integrity. They tried to open new cards to put old cards on????

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- Staten Island, NY, USA

Scammer's phone 866-456-1676 866-449-6499 866-205-5978 855-653-423
Scammer's email [email protected]
Country United States
Victim Location NY 10303, USA
Total money lost $159.60
Type of a scam Credit Repair/Debt Relief

On 09/22/16 12:48 pm , I received a call on my cell phone from an unknown caller from 866-449-6499. A woman identified herself as Stephanie Collins ext # 819 from NYS Credit Card services She stated my file was turned over to her and that i was eligible for an interest rate reduction of 6% or less on my credit cards. She stated i could be saving about $2000.00 a year in payments due to lowering interest rate on up to 10 credit cards for a fee of $798.00 split into 5 monthly payments of $159.60). When I said I was interested I was transferred to a second rep who asked for additional information (address, phone number, DOB email) he expressed that these fees would only be charged every month upon them calling me to set up a date in that month to process payment. I did not believe this to be a scam since they had already had some information regarding my credit card balances, they expressed that they were from NYS CC services and that i would not be charged if this were not possible. After agreeing to allow authorization via e- agreement, I noticed the company name was listed as Educare Centre Services. I questioned the rep about this and he stated that was the company name that provide the services. Although still skeptical, I proceeded and was then transferred to a 3rd rep "Senior Financial Adviser" Eric Mendez who gave me his direct line 866-456-1676 Ext # 618 He also expressed that no charges would be made unless services were rendered as agreed to get my interest rates to 6% or lower on my credit cards. I then gave him some personal information about me for the process. The conf for this call with Eric Mendez was Conf# 4359410. After verifying my information i was asked for my bank name and info for auto payment process. Mr. Mendez contacted 3 of my credit card companies with me on 3 way to get detailed info such as balances, interest rates, credit limits and available credit. after obtaining that info, he asked me did i want to close any of these cards and try and make a deal with the bank. He stated most likely the bank would close the account and that i would just pay off the bal at a fixed low interest rate. I expressed i honestly was not looking to close any accts and just want to get the interests lowered so that i could pay off debt faster. He expressed that sometimes its best to eliminate cards that have no benefits and that this can overall help my credit issue. He stated that we would still work to get lower interest rates on all my other cards and that this my be a great solution as well. I trusted his feedback and decided to get rid of the Barclay Master Card. He expressed to me that I could not pay my bill for this card because in order to negotiate with the bank, i had to be at least 10 days past due on payment. It was then i began to get really nervous about the company as i had never made a late payment. I told him i was not comfortable with showing late payments and that i was afraid it would affect my credit. He told me that i had nothing to worry about. Late payments are not reported for 45-60 days. My payment for the Barclay card was 10/12/17 so he said he would give me a call back 10/23/17 9 am to call the bank and negotiate the deal. He stated he would not charge my acct until that date to ensure services. I told him i would prefer to only deal with him because of my experience in the past with companies such as cable, health ins, phone comp etc... customer service reps who have multiple people reviewing files and either someone failed to understand what was going on or they failed to input certain info. He stated no problem but at times he might be busy with another client so he would reach out as closest to our appt time as possible. 10/10/17 an auto payment was deducted from my bank acct without my consent or completed services. 10/23/17 i never received a call from Mr Mendez. 10/25/17 12:42 pm i called the direct # that he gave me and the ext was invalid. The line did not ring it just played music. After about 20 seconds, a man answered who said his name was Steven Harris. I asked to speak with Mr. Mendez He said Mr. Mendez was busy and that he could assist me. I told him that i only wish to speak with Mr. Mendez as agreed. he stated it does not work like that. told me that any rep could assist with clients as they call in. I told him Mr. Mendez was suppose to call me 10/23 and that i want to speak with a supervisor. He expressed he was the supervisor who was superior to Mr. Mendez and that he could follow up with my acct to ensure quality service. After pretty much arguing with him back and forth with me not being satisfied with services he expressed that he would negotiate the deal with the Barclay Card despite me not wanting him to. he placed me on hold, 3 wayed me with the bank and spoke on my behalf to close the accts. The info he was giving the bank was inaccurate and he kept clicking in and out between me and the rep expressing to me that i should let him handle it. In the end the bank denied me and said i could try again in 30 days. I was livid. Mr. Harris kept telling me it was their fault and that we would try back. I asked him to have Mr. Mendez call me. 10/25/17 5:14 pm Mr. Mendez called me back. I told him how upset i was about services that were promised to me that have not been provided, payment that was withdrawn without consent, the rep that ruined the bank transaction etc... I told him that i did not wish to continue services under these circumstances. He said that he would call me 11/2/17 9am and that we will handle it. He expressed he would not be taking a payment until the issue with the Barclay card is handled. 11/2/17 i never received a call from Mr. Mendez. 11/10/17 4:09 pm i called the company back and Mr. Harris once again tried to hassle me into having him look over my acct. I explained he did me an inservice by screwing up with the banks in the first place and that i wish to no longer deal with him. He was very nasty and spoke in a very unprofessional manner. I demanded to speak with Mr. Mendez who after 15 mins of arguing i was connected to. He told me that he knows how upset i was and that he apologize for inconsistencies. said that I should not pay my Barclay Master Card bill (for the 2nd time) 11/12/17 because he cannot do anything until Nov 16th and that i should wait til then... said if i was to pay the bill then we would not be able to negotiate. Said that he would call me 11/16/17 8:30 am . Mr. Mendez said if by then nothing could be done that all services with the company would be cancelled and initial payment refunded. 11/16 8:30 am no call. I called the company several times that day 8:43 am- was told MR. Mendez not available, 11:35 am- still not avail, 11:38 am- asked to speak with a supervisor told no supervisor avail, 12:06 pm- no one avail, 12:24 pm - no one avail, 12:50pm still no one avail. I knew i had been scammed and immediately called my Barclay Master Card to get my acct current.

The CS Rep from the Barclay Master Card told me that as of 11/15/17 my acct was reported to the credit bureau as late past 30 days. I decided to pay the balances owed. I checked my credit score and my score dropped 50+ pt because of this. I also noticed 2 hard inquiries on my acct for credit cards that was posted the same day of the initial call from Educare Centre Service that i did not authorize. I immediately contacted my bank to stop any future payments from this company. it is now Dec 8th and no one has reached out to me. I never received any lowered interest rates on my credit cards. No service was provided only bad credit hard inquires and a payment of $159.60 charged to my acct 10/10/17. I believe my identity has been compromised and now is taking necessary steps to avoid any further damage from this scam company.

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Educare Reports & Reviews (2)

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