Thursday, October 11, 2012

Sometimes, Loss is a good thing

Losing my purse, (and no, I haven't found it) is quickly becoming the best thing that could have happened to me.

Aside from the fact that my video camera was in there, and some gift cards, and my IPOD DAMNIT! losing my purse may be the best thing that could happen to me right now. I got a phone call today that underlined this.

Here's the thing. I haven't been very good with my credit cards lately. If I want something, I get it, telling myself that I can pay it off quickly. This is good in theory until you realize that TOO many things handled that way add up quickly. And interest compounds. (I'm waiting for my next AMEX statement so I can look into personal consolidation loans. Better to pay one bill than 2 and at a lower interest rate)

Since I lost my credit cards with my purse, I can't use them. I have not called for replacements because NOT having them, forces me to live within my means. It sucks a little, but I'm surviving just fine. It's amazing all the things I would have bought if I could. I don't need them. In fact, I had a guest over a few nights ago who said that my house was more organized than he'd ever seen it before (except that odd pile of file cabinet and such in the dining room? Never mind). I've been purging and not adding. It's awesome. (It helps that I've been exercising constantly so I don't really have time to shop)

So, a little while ago I received a call from a company that sounded like my credit card company offering to lower my interest rate. Heck yeah I want to lower my interest rate! When I started talking to a live person, things started getting a little sketchy. It turns out, he wasn't calling from MY credit card company, he was calling from a company that would contact my credit card company and have them lower my rate. Well, that doesn't make very much sense since I could call them myself and ask for a lower rate. Sometimes they do that, sometimes they won't. The company he named was pretty generic sounding. He said they were in Orlando, FL but that he was calling from a call center. The number that dialed me was in San Marcos, CA. Whatever, I look up some pretty interesting businesses every day (Tiny's Wiener Emporium!!), but the bulk of them sound pretty normal.  He started getting a little pissed when he asked for my credit card number and I couldn't give it to him. I don't have it. I can't find it, and I don't think it is on my statement, despite what he said. Which is GOOD. I don't want that information floating around for anyone to see. I'm at work. No access to the things he is looking for. He offered to give me his name, his ID number, all sorts of things to get my credit card number. I explained that he couldn't help me right now and finally said goodbye.

I looked up the business on Dunn and Bradstreet, it doesn't exist in Orlando. A search for the number on D&B pulls up a daycare. Maybe they exist but aren't listed, but I don't think so. I googled the number and discovered that I'm not the only one getting these calls. It reeked of SCAM, especially when he started getting pissed off at me for not giving him my numbers;  if it smells that bad, it likely is.

Thank goodness I lost my purse somewhere in my house. I'm not saying that I would have given him the numbers, I would like to think I am smarter than that, but I would be willing to bet that there are plenty of people who do. Especially when he started getting angry that I wasn't giving up the info.

For those who might be google searching that number like I did, it's, (760) 204-4226 . The fellow I spoke to had an accent that sounded Indian or Pakistani to my untrained ear, which made him sound a bit more legit considering how many American call centers are located in Asia. The business name he gave me was Financial Advising Center in Orlando Florida


Chickie said...

You're right - that was a scam. With the new credit card laws that went into effect a couple of years ago, banks aren't allowed to negotiate rates over the phone anymore. Dude was totally trying to just get your info.

Thieves piss me off!

Ginamonster said...

OOH! Do you know who I should report it to?