954-278-8356

I get calls once or twice a day from "CARD SERVICES," frequently with messages left. The calls sound very threatening (though vague) and hint that I might be in trouble with one or more of my credit cards, which is ridiculous. I pay my cards off IN FULL when I get the statements. Please tell these people to LEAVE ME ALONE!!!!!!

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Get several a week.
About my ok account but to lower my interest rate.

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7/30/12 3pm. No Msg. I get three to four random calls per week from various area codes and numbers. Suspect they are scammers attempting to get personal information. I keep a close eye on my credit card and have NO problems with credit. Robo calling should be against the law.

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Card holder services recorded message. Get several a week.

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Recording. Got two today. Several on other days. How can I get them to stop?

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THIS company needs to not be able to call phone numbers that are on the GOV. "do not call list." A complaint to the BBB might help, but this is insane and needs to STOP

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The usual attempt to trick people. Not even a person, just a recording.

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I get calls from all over the country from this company. Florida is a new one for me. They call nearly every.single.day.

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How can I help stop stimulus package, lower interest rate calls that have been coming in for years? When I politely as possible request to be removed from their list, and remind them that it is illegal to call the reply is consistently rude, and my anger grows. Today's response was "I don't even know who you are. Don't answer the phone. That's what I do." Anger breeds anger and I know you all share my pain. That is a lot of anger breeding in our world that is just not necessary.

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"Cardholder Services" She has been calling for years. Keeps changing her phone number. I keep blocking it.

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These calls are coming from call centers in Costa Rica and India and they are using spoofed (false) numbers, which in itself is illegal. They do cold calling for or sell the leads to numerous companies in this country and they know that what they are doing is illegal. Tomorrow this same number may be selling Cruises, Timeshares or Security Systems but if you follow the money it usually ends up in the hands of an American LLC. Keep complaining to the FTC and FCC, and start bugging our politicians to pass laws to make it punishable in criminal court instead of handing out fines that they don't pay. Another course of action is to contact phone companies to find out why they won't block spoofed numbers. With today's technology that should be an easy thing to do, unless they are somehow profiting from the use of their systems.

Robocalls are illegal unless you have given them prior permission in writing (not worded into some small print contract from a 3rd party) and are absolutely illegal to a cell phone. The Telephone Consumer Protection Act permits individuals who have received certain unlawful telemarketing, such as junk faxes or telemarketing calls, to sue the violator in state courts where they may be awarded up to $1500 for each violation.
http://www.ftc.gov/bcp/edu/microsites/robocalls/
http://www.ftc.gov/opa/2012/07/robocall.shtm
http://transition.fcc.gov/cgb/policy/TCPA-Rules.pdf

People should continually file complaints with their Attorney Generals office and also file with:
http://www.fcc.gov/complaints
https://www.ftccomplaintassistant.gov
If enough people keep complaining then maybe something will get done.

The FTC has already taken action against some of them:
http://www.ftc.gov/opa/2012/02/afl_financial.shtm
http://www.ftc.gov/opa/2012/02/voiceblaze.shtm
http://www.ftc.gov/opa/2011/12/roycox.shtm
http://www.ftc.gov/opa/2010/03/voicetouch.shtm
http://www.ftc.gov/opa/2009/05/robocalls.shtm
http://www.ftc.gov/opa/2009/12/robocall.shtm
http://www.ftc.gov/opa/2009/09/twi.shtm
http://www.ftc.gov/opa/2011/02/robocall.shtm
http://www.ftc.gov/opa/2009/05/robocalls2.shtm
http://www.ftc.gov/opa/2010/12/jpm.shtm
http://www.ftc.gov/opa/2010/06/asiapacific.shtm
http://www.ftc.gov/bcp/edu/microsites/donotcall/mediacenter.html
http://www.ftc.gov/opa/2012/03/asiapacific.shtm
http://www.ftc.gov/opa/2010/08/voicetouch.shtm
http://www.ftc.gov/opa/2011/11/sonkei.shtm
http://www.ftc.gov/opa/2010/05/ams.shtm
http://www.ftc.gov/opa/2011/01/khalilian.shtm

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I have received several calls and I did picked up one. I actually spoke to a nice person (Grace?). She stated that this service is of no charge and everyone already has this service if they have a credit card. They act as a consumer advocate type of group on credit card issues. According to the person, they are not a debt collector or a debt resolution. They simply are there to help consumers get lower rates on their credit cards. They also don't pull your credit on the initial call but I believe once you speak to their financial advisor they may.

I also inquired about some offers that are offering 36.9% interest rate credit cards and she said this was illegal. The maximum according to regulation is 30%.

I don't know if these answers are ligitmate.

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Card holder services. She changing the numbers and keeps calling. I think this verges on terrorism.

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Rude unprofessional employees.

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This number does answer with "This is a telemarketer" so the number at this point is not spoofed. They do ask you for your social security number to verify it with their system. They do ask you for credit card numbers and expiration dates. I played along with them and gave them bogus information to see how much they would try and get. When they realized I was on to them the heavy accented woman,..(sounded like she was from India) ,..accused me of having an incestuous relationship with my mother and then hung up. When are the authorities going to go after these thief's!

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asked if wanted to lower interest rate dial 1 for assoc. and told to put on "do not call list" she said, "No we do not have no call list"

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Very annoying.... I get at least 3x a week, they never leave a message.
I don't understand why if my # is on the "Do Not Call Registry" that I get these calls. It really needs to stop.

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Card Services. Everyday a new# to harass me. This one is now blocked too.

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When I get these calls, I simply hit the speaker button and say nothing. The minute I hear a voice, I hit the speaker button again and they are disconnected and gone. I want them to pay for the call that goes nowhere. Engaging these clowns in a conversation is not worth it. And they don't seem to be in a hurry to call back either.

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I have continuously received messages from them and ignored them. I finally picked up and hit 3 on two occasions to get off the list. I finally picked up and hit 1 to talk to a person tonight. She immediately began swearing and cursing me OUT!!! I engaged for several minutes because I was so stunned!! WTF? TRIED TO CALL FCC AND MY PHONE COMPANY, but of course, no live people. ugh Is there any chance this phone conversation is recorded somewhere??? I'd love to testify against these losers...

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How it works:
http://onthespotblog.com/on-the-spot-blog-stirs-up-rachel-at-cardholder-services/ ...
http://onthespotblog.com/tag/cardholder-services/

We need CRIMINAL penalties against the companies that are profiting from these calls. Follow the money, slap them in jail, no one left to outsource to overseas boiler rooms, problem solved.
Since they are operating across borders it should become a federal felony and should be handled by the FBI under the RICO Act.

These calls are coming from call centers in Costa Rica and India and they are using spoofed (false) numbers, which in itself is illegal. They do cold calling for or sell the leads to numerous companies in this country and they know that what they are doing is illegal. Tomorrow this same number may be selling Cruises, Timeshares or Security Systems but if you follow the money it usually ends up in the hands of an American LLC. Keep complaining to the FTC and FCC, and start bugging our politicians to pass laws to make it punishable in criminal court instead of handing out fines that they don't pay. Another course of action is to contact phone companies to find out why they won't block spoofed numbers. With today's technology that should be an easy thing to do, unless they are somehow profiting from the use of their systems.

Robocalls are illegal unless you have given them prior permission in writing (not worded into some small print contract from a 3rd party) and are absolutely illegal to a cell phone. The Telephone Consumer Protection Act permits individuals who have received certain unlawful telemarketing, such as junk faxes or telemarketing calls, to sue the violator in state courts where they may be awarded up to $1500 for each violation.
http://www.ftc.gov/bcp/edu/microsites/robocalls/
http://www.ftc.gov/opa/2012/07/robocall.shtm
http://transition.fcc.gov/cgb/policy/TCPA-Rules.pdf
http://www.ftc.gov/bcp/edu/microsites/donotcall/mediacenter.html

People should continually file complaints with their Attorney Generals office and also file with:
http://www.fcc.gov/complaints
https://www.ftccomplaintassistant.gov
If enough people keep complaining then maybe something will get done.

The FTC has already taken action against some of them:
http://www.ftc.gov/opa/2012/02/afl_financial.shtm
http://www.ftc.gov/opa/2012/02/voiceblaze.shtm
http://www.ftc.gov/opa/2011/12/roycox.shtm
http://www.ftc.gov/opa/2010/03/voicetouch.shtm
http://www.ftc.gov/opa/2009/05/robocalls.shtm
http://www.ftc.gov/opa/2009/12/robocall.shtm
http://www.ftc.gov/opa/2009/09/twi.shtm
http://www.ftc.gov/opa/2011/02/robocall.shtm
http://www.ftc.gov/opa/2009/05/robocalls2.shtm
http://www.ftc.gov/opa/2010/12/jpm.shtm
http://www.ftc.gov/opa/2010/06/asiapacific.shtm
http://www.ftc.gov/bcp/edu/microsites/donotcall/mediacenter.html
http://www.ftc.gov/opa/2012/03/asiapacific.shtm
http://www.ftc.gov/opa/2010/08/voicetouch.shtm
http://www.ftc.gov/opa/2011/11/sonkei.shtm
http://www.ftc.gov/opa/2010/05/ams.shtm
http://www.ftc.gov/opa/2011/01/khalilian.shtm

I will say it again, we need CRIMINAL penalties against the companies that are profiting from these calls. Follow the money, slap them in jail, no one left to outsource to overseas boiler rooms, problem solved. Since they are operating across borders it should become a federal felony and should be handled by the FBI under the RICO Act.

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Come on Washington DC. We've got more than 500 representatives down there. Can't just ONE of them put a bill through that will put these idiots out of business for good? We need some action! Just one of you submit and get a bill passed that will once and for all solve this and you'll be a hero forever!

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Originally Posted by

I have received several calls and I did picked up one. I actually spoke to a nice person (Grace?). She stated that this service is of no charge and everyone already has this service if they have a credit card. They act as a consumer advocate type of group on credit card issues. According to the person, they are not a debt collector or a debt resolution. They simply are there to help consumers get lower rates on their credit cards. They also don't pull your credit on the initial call but I believe once you speak to their financial advisor they may.

I also inquired about some offers that are offering 36.9% interest rate credit cards and she said this was illegal. The maximum according to regulation is 30%.

I don't know if these answers are ligitmate.

Don't you believe it!! They are scammers and want nothing more than to steal your identity. The tell you they can reduce your APR to a ridiculously low rate something like 0.9% but you have to pay them around $600.00 to do so. They will ask for your name, address, SS# card # & expiration date. If this were through your card company, they'd already have that information. Call your own credit card company and ask for a lower rate, if they won't give you one, move to a different card company.

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