Again, just like the others claiming it is not a scam, your grammar for someone named "Alex Murphy" should be perfect.  It is not. "They really exists" do they???  

You should be ashamed of yourself.  Get a real job and stop stealing money from honest people.

For the record, it is illegal for anyone to ask the information they are asking for.  Even a call from 'your bank'.  If you call your bank then it is allowed for them to ask you, but that is the only situation.

This is not quite a scam. It should be, this because they do offer a service, for a fee. They claim to try ?achieve a lower credit card rate.After they have their fee from your card, they phone to inform you that the card issuer will not aprove a reduction and thank you for your business. Even if they should get a lower fee you can do the same thing with your credit card company for free.

Finally find it, it's a Canadian company. "MCL Financial Services" also call "Liberty IFG"."http://www.mclfservices.com/refund_policy.html" or"http://www.libertyifg.com/"If you check out the contact number from MCL Financial.the first phone # : 1-(613) 884-4054 (Rogers Wireless)the second phone # : 1-(613) 843-1958 belongs to a person name "ZAMAN, B."Address : 35 San Mateo Dr, Nepean, ON K2J 5H4 same as the address provide on their website.Checkout the map and I hope someone here can give this guy a visit."http://www.canpages.ca/page/resident/ON/nepean/b-zaman/131460441.html"

I also got a call. I personally think its a scam! Its not even worth it. To the people that posted on this website and said that it's not a scam are the scammers themselves.

how can these  marketters  get an unpublished number.......this  really is annoying....:censored ppl)....:(.

I got the same call yesterday -- John Chambers.After I asked for the org's info, I told him that the # was on the DNC and I would need to report it, he said that he had figured as much.I have to wondering if "John Chambers" is this guy's real name.  All the names provided here sound rather generic?!  Surprising considering that the GTA has a pretty high ethic diversity...