hey Brent Smith calling from Bay View Finance I'm an underwriting and I'm reaching out because we've been tracking recent investigations into credit card companies and major Banks violating consumer protection laws Fair Credit billing act Fair Credit Reporting Act the whole picture caught you Monday because this deserves your fresh eyes we cannot reach you last week here's what matters you may be a victim of a legal credit reporting practices and predatory lending the program is providing qualified people a 0% interest rate loan to pay off all existing debt no interest █████