Complaint / Review
Ryan M. Moses, Melissa Wilcox, Targeted Business Solutions, Financial Services, Cardmember Services, "Rachel at Cardmember Services"aka "Spectrum Commercial Funding"
Melissa Wilcox, Ryan Moses, "Targeted Business Solutions", "Cardmember Services", "Rachel at Cardmember Services", "Spectrum Commercial Funding" Theiving Scumbags, Con-Artists, Convicted Felon, Ripoff Artist, Telemarketing Scams, BUYER BEWARE

Ryan M. Moses is CEO of "GreenSavers aka Green Savers". Ryan Moses is married to his business partner Melissa Wilcox. G. Michael aka Mike is his other partner. Together these three also operate Targeted Business Solutions and Credit Justice Services. You may have already received a call from them in the form of an automated telemarketing scam "Rachel at Cardservices" offering to lower the interest on your credit cards to 0%. They charge a fee of $995 to apply for credit cards that offer an introductory teaser rate of 0% interest. They refer to their company as "Financial Services" and "Card Services". If a potential victim is duped into using their service, the company collects ALL of your personal data (Name, address, Social Security Number, etc. Etc) and faxes it to another company in Florida. Sarah/Michelle (407) 376-0799 and (407) 295-1238 acts as the "broker" that shops three credit card companies (Coast to Coast Visa being the main one) in order to transfer your existing credit card debt to one or all of them. The service is a complete sham. I worked for these scumbags until they stole my commissions. Do NOT work for these guys because you WILL be working for FREE! If you are contacted by this team of bulls*t artist/felons-HANG UP! You WILL be ripped off, otherwise.
Ryan is also a franchisee of Credit Justice Services, a credit repair company. Again, they WILL take your money and leave you in the lurch. As if these goons aren't doing enough, they also represent Timbercrest Vacation Exchange in McCall, Idaho. Recently, Mr. Moses began representing Spectrum Commercial Funding (www.spectrumcommercialfunding.com) as an additional revenue stream aimed at B2B telemarketing. This latest scam involves charging predatory fees and interest rates for businesses. Much like a payday loan or car title loan company, Spectrum will lend money if it is secured by assets (your home, car, equipment, first born child). These guys are bad news and should be avoided like the plague! The local phone number is (208) 965-8191. CAVEAT EMPTOR!!!
Additional numbers: (208) 369-4829, (208) 369-4835, (208) 369-4827, (208) 919-9765, (208) 561-2269
https://www.facebook.com/rmmoses