In their complaint against Educare Centre Services, Inc. and Tripletel, Inc., the Federal Trade Commission and Ohio Attorney General allege that the companies sold sham credit card interest rate reduction services to consumers through telemarketers, including Dominican Republic-based Prolink Vision, S.R.L. The FTC alleged that the defendants promised to significantly reduce the interest rates on consumers’ credit cards, and promised a 100 percent money back guarantee if the promised rate reduction failed to materialize or the consumers were otherwise dissatisfied with the service. These were false promises. Most, if not all, of the defendants’ customers did not receive the promised rate reduction, and the defendants routinely refused to honor refund requests, instead often threatening dissatisfied customers with collections or lawsuits. The FTC and Ohio AG allege that Educare and Tripletel bilked more than $11.5 million from consumers through RCPOs. The court issued temporary restraining orders against Educare Centre Services and Prolink, halting their operations and freezing their assets.