FIA, or at least that is what the person said
Complaint 14703 Details

Matthew Harpring, Rate Reduction Negotiator, Agent ID 1092, phone number 1-877-342-4260.
-promise to get Mastercard interest rate reduced somewhere between 0-6%
-one time fee is $795
-how it works is difference between regular monthly payment and lowered interest amount covers the one time fee.
What actually happened:
-fee charged was $800, no change in interest % rate
-called the 1-877-342-4260, and 1-877-478-9349 daily in June, July to get $800 refunded on my account, promises that information sent to accounting and should see refund on next statement.
-no refund; now when I call either number, get recording that "user mailbox can't accept more messages".
-Aug 16, when I called, got a live person (Tim) who put me on hold, then a different person (Amy West) promised to call back within one hour - still have not had a call back.