Tag Archives: greed

Credit Card Mafia, American Greed at its Best: Credit Card Lies & Deceit

I have a Discover credit card, which I always pay on time. Yet I recently noticed they had been calling me about something. I assumed they just wanted to sell me some service I didn’t want. However upon answering the phone to speak briefly with Discover credit card, I had some fun with the credit card company’s phone rep / sales agent.

The credit card agent obviously was recording the conversation as I could here the beeping in the background. I immediately turned on my phone recording device also and told the credit card rep I too would be recording the conversation. Immediately and fearfully the credit card rep from Discover said, “I do not authorize you to record the c onversation.”

I said, “Nor do I authorize you to record me.” The cowardly and deceptive credit card rep told me, “I cannot confirm that this conversation is being recorded.” I assured him it was as I could hear Discover card’s phone recording device beeping.

Nevertheless I asked the rep what he was calling about. “Oh, we have an opportunity for you. We want to reduce your interest rate.”

“Well then,” I told Discover credit card’s rep, “please do so.”

“But we can’t unless you make twelve monthly payments in advance.” the credit card rep said.

“Well that won’t be happening. Goodbye and stop calling my house.”

Basically, credit cards are in a crunch like everybody else throughout the country and are feeling the pinch. Hence they are endeavoring to seduce people to pay up early, months in advance, after which they will immediately cancel their credit lines, or reduce their credit limit drastically according to the remaining amount owed.

That being said, beware and don’t give credit cards your money. It is far better to keep your cash and savings than to give it to them.

As a debt arbitrator who deals with credit card companies, if you get a third party who knows the ins and outs of the credit card business, you will have a huge advantage and can even save yourself thousands of dollars. If you are in over your head with a credit card company, before you fall for their bait and switch and get taken advantage of financially and put yourself more in harms way in this turbulent economy,  you owe it to yourself to hire a professional who can help you.

Email me stating exactly how much you owe and if you hire me to help you, I will only take a percentage of what I can save you with the credit card company.

www.PaulFDavis.com – consumer advocate and debt arbitrator battling the credit card mafia



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Filed under american greed, credit card balance, credit card bill collectors, credit card debt, credit card deception, credit card greed, credit card grief, credit card harassment, credit card mafia, credit card payments, credit card problems, credit card trouble, credit card woes, credit cards, deceit and lies

ExpoTV tricks, gimmicks & greed to deny videographers reviewing products & destinations payment

Surprisingly I discovered some of ExpoTV.com’s tricks, gimmicks and greed by which they deny videographers reviewing products & destinations on their website proper and full payment.

I received an email from ExpoTV today telling me:

“To qualify a video view for payment under the Pay Per Play promotion, a video must be played in its entirety. A video play will be determined and recorded by Expo in its sole discretion. Additional
restrictions may apply.”


Could ExpoTV be any more vague and ambiguous to give ExpoTV every opportunity to cheat and withhold income from their videographers? Unlike Google, YouTube, and any other reputable pay-per-click website on the Internet, ExpoTV likes to avoid paying per click by inserting funky stipulations like:

1.  A video must be played in its entirety.

2. Additional restrictions may apply.


Well it certainly would be nice, ethical and proper for ExpoTV to inform its videographers of these stipulations beforehand before ripping off their videos and not adequately paying them for their intellectual property.


Another concern of mine pertains to “friend referrals” as ExpoTV cleverly places a box alongside the newly joining questions members referred friends seemingly must click for them to get paid the $5 for the referral.


www.PaulFDavis.com – consumer advocate, worldwide speaker & author of 17 life-changing books empowering people throughout the earth to live their dreams!







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Blockbuster And Netflix Unethical Contracts – Corporation Nation & Crude Capitalism, A New America

Blockbuster Online decided to alter and modify my existing movie rental contract, which initially allowed me unlimited rentals and exchanges at the store for a fixed price. On October 17, 2007 when I walked into the store to exchange a video the store rep told me I had met my limit for monthly exchanges and would have to pay over $2.00 per movie on any additional exchanges. The manager came out and agreed it was bogus and fraudulent, but said he couldn’t change it.

Upon looking at Blockbuster Online they have since phased out unlimited rentals altogether on their website, but such was in operation when I was sold the contract by the Blockbuster representative.

I phoned the competition at Netflix who told me they only lowered their prices, unlike Blockbuster who has since significantly raised their prices. The idea according to my research is for Blockbuster to put the competition out of business for a short while by their online services, than alter their contracts after the competition has been eliminated – kind of like an anti-trust price gouging operation.

The Netflix website contract for similar services, which verbally the rep on the phone said there would not be any price increases……says otherwise. Read the fine print online and you will see a contractual stipulation stating “changes to terms of use.”

Changes to Terms of Use
Netflix, Inc., reserves the right, from time to time, with or without notice to you, to change these Terms of Use in our sole and absolute discretion. The most current version of these Terms of Use can be reviewed by clicking on the “Terms of Use” located at the bottom of the pages of the Netflix Web site. The most current version of the Terms of Use will supersede all previous versions. Your use of the Netflix Web site or continued use of our service after changes are made means that you agree to be bound by such changes.

This is the new corporation nation which cares not for consumers but financially raping and taking advantage of us. I say let’s protest!

Write your Better Business Bureau and Congress representatives and cite these unethical billing practices and procedures. What we tolerate will dominate. Close the floodgates before capitalism overtakes we the people and honesty and integrity entirely leaves the marketplace.

Tonight on May 24th, 2008 when I went into Blockbuster’s store I noticed the computer conveniently reduced my monthly exchanges from 5 to 3 when I recently updated my credit card information. I wonder how many people are being falsely taken advantage of every month by Blockbuster. It sounds to me like a class action lawsuit needs to be initiated soon. Blockbuster is always tipping the scales to screw the consumer and make themselves rich on the sly.

Paul F Davis – worldwide minister, international speaker, and author of United States of Arrogance


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