I received an unsolicited phone call from CCS's high pressure salesman about becoming an "associate" with their company. It sounded pretty good, but they had to record my confirmation - and when I asked them how long I would be obligated for if I decided CCS was not for me - something I didn't want to do - they stopped the recording. Then they wanted to call my bank (BofA) on a conference call with them on the line also, and get an authorization to debit my account $495.00 and then they would also charge me a monthly fee of $19.95 for a website they would set up for me. I told them to "send me their documentation" and I would read the fine print and make up my mind. In a few days, I received their packet of information, and there was no way a person could back out in less than 18 months.
When I asked them where they got my phone number...they said "FACEBOOK." I deleted my FACEBOOK account immediately, but still got harrassing phone calls from CCS. I called my bank and told them I wanted to dispute the charges because I did not want anything to do with that company. The bank dispute resolution rep at the bank asked me if anything had been sent to me - any products, etc, and I told him the only thing they had sent was their information packet - which I had returned to them along with a letter I wrote telling them NOT to bother me anymore or I would consider it "harrassment" and pursue legal channels to make them cease and desist. Finally, every time I saw their number pop up on my caller ID, I just let the phone ring. So far, I have not been bothered by them any more.
I caution ALL OF YOU - be careful what info you put on these social networks like FACEBOOK, TWEETER, et al. Some companies will do anything to scam you.

We have received numerous unsolicited automated calls from Credit Card Services on our home telephone number despite the fact that our number is registered on the National Do Not Call Registry. On two occasions I have answered the calls and gone through the menu options until I'm speaking to a live operator.

During each phone conversation I have requested that Credit Card Services take our phone number off of their calling list, at which point they immediately hang up on me.

I do believe that Credit Card Services is a scam. They certainly are jerks on the phone. See:

http://www.city-data.com/forum/personal-finance/166794-credit-card-services-total-scam.html

AVOID Intuit and its Innovative Merchant Solutions!!

The following are FACTS related to my experience with them:

1) They play sneakery with contract terms. They have a merchant agreement that makes reference to a website document that is loaded with secondary terms. This website document is completely in their control and you have no way to lock in a frozen copy showing terms at the time you sign up with them as you NEVER specifically SIGN a copy of the website document.

2) included in the sneaky secondary terms not called out in the main document that you sign is a termination fee that they claim they can charge you no matter how long you have been using their services when you decide to end services with them even if you go out of business.

3) They agreed to waive the termination fee when trying to keep my business away from a competitor and they breached this agreement when I terminated services. When I contacted them to end services, they never made any mention that I would be charged a fee, they merely asked for me to fax my request to end services so I assumed they were honoring their verbal agreement to waive termination fee. Instead, they sneakily deducted it from my bank account.

4) They created duplicate accounts for me resulting in double bills and it took several months and several rounds of my contacting them to get this rectified and they offered nothing for my time an energy spent on this issue that was 100% their fault only.

5) They like to charge you fees that are NOT disclosed in your monthly statement, you only find them as deductions on your bank statment. This prevented me from even having an invoice from them showing the charge for my accounting records. I only had the sneaky band deduction to show the charge.

I found an annual fee this way. I had no knowledge an annual fee even existed. They waived this when they agreed to waive termination fees.

Due to the above, I advise the following:

a) check the standard contract laws in your state to see if terms such as the ones IMS likes to hide in its website addendum can be null and void due to their being deal breakers(meaning had IMS specifically covered the term with you, you would have NOT signed up for them).

b) never accept any verbal confirmations from IMS. Get it in writing as they seem to have a habit of breaching verbal agreements per my own experience with them and per the complaints I viewed on the BBB website.

c) strongly consider doing business with someone else for credit card services as it appears there are many out there with better rates and handle discussion of fees in a much more upfront honest manner.

All of the above are FACTS that I experienced DIRECTLY and have since learned there are many others with similar experiences in reviewing BBB complaints and the ripoffs website.