A person is in New Jersey has filed a lawsuit against "Consolidated Opportunities" along with some other businesses, to include Bankcard Empire. Search "COLUCCI v. BANK OF AMERICA" the case number is 2:2010cv01000 filed February 26, 2010. Go to www.judiciary.state.nj.us to view the lawsuit. ANYTHING, and I mean ANYTHING coming out of Arizona is a RED FLAG. Hang up the phone, otherwise you might as well take your money and light it on fire. Unless you're lucky enough to have a credit card company that is on your side... read full review »