E.M. Systems and Services Refunds

Share This Page

FTC sends full refunds to people who paid for credit card interest rate reductions

The FTC is sending full refunds totaling more than $11 million to people who lost money to a bogus credit card interest rate reduction scheme operated by E.M. Systems & Services and their affiliates.

The FTC says that E.M. Systems & Services used a variety of phony business names with associated websites, cold-called people with credit card debt, and falsely promised to save them thousands of dollars by reducing their credit card interest rates. According to the FTC, the company charged illegal upfront fees generally ranging from $695 to $1,495, and then failed to provide the promised results. 

If you get a check, please cash it within 90 days. 

You can find answers to common questions about refund payments on our FAQ page. If you have any other questions, please call the refund administrator at 1-800-239-6082.

Consumer Information