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I’m Sick of “Rachel From Cardholder Services!!!!!”

By JLP | December 16, 2008

The phone rings. I pick it up and hear the following recorded message that goes something like this (I’m going from memory):

“Hello. This is Rachel from cardholder services. There are no problems currently with your credit card account but it’s important that you act fast in order to reduce your interest rates.”

And then she goes on to say, “Please consider this your final notice. Press 1 to talk to a representative about lowering your interest rates or press 2 to receive no further calls.”

I would LOVE for it to be my final notice but it never is!

I have pressed 2 like 50 million times and I KEEP GETTING THE FREAKIN’ CALLS! I have also pressed one and gotten a rep on the phone and as soon as I mention I want to be taken off their list the woman abruptly hangs up on me!!!!! Talk about frustrating!

I have no credit card debt so they’re wasting their time with me. I’m not a potential customer. It would be to their benefit to take me off their stinkin’ list.

Does anyone know the company behind these calls? What they are doing is illegal but I can’t figure out a way to get to them. I don’t have caller ID and I’m pretty sure it wouldn’t do any good because I’m sure they hide the number.

Do you guys (and gals) get these calls? Surely I’m not the only one!

I think from now on I’m going to press 1 to get to an operator and act all excited about their program and just TOTALLY WASTE THEIR TIME! You know, drag it on for several minutes. The problem with this strategy is that while I’m wasting their time, I’m also wasting mine…

Topics: Rant | 271 Comments »

271 Responses to “I’m Sick of “Rachel From Cardholder Services!!!!!””

  1. Beth Says:
    December 16th, 2008 at 2:38 pm


    I’ve received similar calls lately and all my caller ID shows is that the call is coming from Florida. I just don’t answer my home phone anymore. People who need to reach me know to call my cell or leave a message on the home line.

  2. JimmyDaGeek Says:
    December 16th, 2008 at 2:46 pm

    I hangup after that silent second it takes for telemarketing computers to connect. If it’s a live person, they call back. Otherwise, no loss. Of course, if my message machine gets to it before I do, no problem, too.

  3. Tim Says:
    December 16th, 2008 at 3:27 pm

    IT IS A SCAM and you should report it. anyways, you should sign up to the do not call list. you can go to FTC website and get the link from there or go to

    No credit card company would call you like this. They are phishing for information.

    If you get a call from your credit card company or someone purporting to be your actual credit card company, I would say thank you, hang up and then call the number on the back of your credit card so you know exactly who you are talking to. I never call any number left over the telephone or internet as a call us back, unless I know that number is valid. I will call a number I know to be a valid one for the company.

    You can google the above recording message and you will see many listings for it being a scam. But common sense should tell you that this is a scam anyways.

  4. LB Says:
    December 16th, 2008 at 4:12 pm

    Seems like a phishing scam, especially the fact that they keep it generic “cardholder services”.

    Plus no financial company in their right mind, right now, would be proactively lowering interest rates. They need you to pay and cover those who are defaulting.

  5. KC Says:
    December 16th, 2008 at 4:35 pm

    I use caller ID and don’t answer anything I don’t recognize. People I know will leave a message. People who got the wrong number will not and telemarketers will not. I know there is a cost associated with Caller ID, but for me its worth paying for, as I know of no other way to avoid these calls, which are a complete waste of my time (which is more important than money).

  6. aliotsy Says:
    December 16th, 2008 at 4:42 pm

    This is definitely a scam. I got these calls and calls about the warranty on my car expiring.

    I did manage to reduce the number of calls. I press “1” to talk to a person, rather than “2” to be taken off the list (I doubt “2” does anything other than hang up). Of course, when pressed, they don’t know which car has an expiring warranty. I tell them that I’ve sold the car (which, incidentally, I have). They take me off the list.

    I still get the calls, but instead of several a week, it’s been one every couple of weeks.

    You could probably do something similar.

  7. Eric N. Says:
    December 16th, 2008 at 4:54 pm

    JLP, you wouldn’t believe the timing.

    As I was reading your post, I GOT THE SAME CALL. Unbelievable.

  8. Foobarista Says:
    December 16th, 2008 at 5:34 pm

    I’ve been getting this same thing every few days, timed nicely at about 8:30 AM on days when I was up till four or so working late. When this happens, I wish I could come up with a machine gun that shot through the phone lines :)

  9. harm Says:
    December 16th, 2008 at 6:50 pm

    I do the time wasting thing….you are right, I’m
    also wasting MY time….but to a certain extent, I
    consider it a game. Some hints, use a false name,
    false everything, in fact…..except a credit card
    number. That could be considered fraud, possibly.
    When the game winds down, THEN tell them what
    losers they are, but don’t curse or get TOO abusive.
    (no matter how tempting, or no matter how steamed
    you are)
    Then log onto the ‘Do Not Call List’ site and report
    (I’ve strung along the auto warranty guy for close to half an hour 😛 )

  10. My Journey Says:
    December 16th, 2008 at 8:00 pm

    I get three of these calls EVERY SINGLE DAY!
    1) Rachel
    2) Car Warranty
    3) A Cruise

    So one day, I think to myself I would like a cruise so I pressed 1. I got a very rude, ghetto, woman on the phone and asked for her to fax me information…her response, we don’t do that. So, I replied, “You won’t give me written information about purchasing a cruise?” and then I got hung up on.

    IF I were a phisher of sorts, I would stick to the email with the fake links to random 50 year old guys who don’t know better.

  11. Bob Says:
    December 17th, 2008 at 8:35 am

    I get these too (in Arizona). I talked to one of them instead of hanging up, told her it sounded like a scam, and she called me a dumbass mother f-er (seriously). So yes, it’s a scam to get your credit card number.

  12. Another Beth Says:
    December 17th, 2008 at 9:08 am

    My Journey, that is such an ageist comment. Boomers are actually more cautious giving out their information than younger, so-called tech savvy generations.

    That being said, seniors are a high-risk group for fraud (people over 70) — but it’s usually phone fraud rather then email fraud they fall victim to. (Proportionally speaking, there aren’t as many seniors online as other generations).

    JLP, this is definitely a scam and we’ve been having problems with it up here in Canada too (despite our new Do not call list).

  13. Ben Says:
    December 17th, 2008 at 10:37 am

    What you should do:
    1) act interested
    2)tell them lies and get the rep exited about doing a balance transfer.
    3) let them know you are no comfortable do business over the phone and would like to do some research.

    4) get the company name and the name of the rep you are talking to as well as a call back number

    5)report it and get some extra cash from the company if you are on the do not call list.

  14. Credit Wise Says:
    December 17th, 2008 at 10:41 am

    Thank goodness for call display. I get about three of these per day, but the number is either 000 etc, 1-800-we-screw-you or simply “no information” – Plus, the ring tone is different for long distance calls.

    It’s extremely annoying, though, and I wish some government body can effectively crack down on these obvious scam artists.

  15. BD Says:
    December 17th, 2008 at 10:47 am

    Report them to the FCC here:

  16. Save and Conquer Says:
    December 17th, 2008 at 1:40 pm

    You can try the good info from comments, above. But it takes time and effort. What I have done is press “1”, set the phone down, and walk away. Waste their time for a little while. Wander back in a minute or so and hang up. Eventually the calls stop.

  17. Meaghan Says:
    December 17th, 2008 at 3:12 pm

    I’ve had the same calls, but for car insurance. Except I’ve never owned a car….

  18. My Journey Says:
    December 18th, 2008 at 4:34 pm

    I just got one from Heather at Card Services…

  19. Andy Says:
    December 19th, 2008 at 4:25 pm

    This is a well-known scam… search Google for rachel card services to see lots more information about how people are trying to fight this. The caller id is spoofed, and you’re wasting your time trying to talk to them.

  20. Jane Says:
    December 23rd, 2008 at 8:54 am

    I love getting these calls at work. I work for the federal government. I always press 1 and inform them who they just called. They always hang up.

  21. Phil Says:
    January 26th, 2009 at 2:03 pm

    I saw this on the internet. Someone may have found their info.

    Account Services,card Holder Services,mershant Service, Credit Card Services
    Phone: 866-211-1277
    2202 Curry Ford Rd
    Orlando, Florida, 32806

  22. Nova Scotia Says:
    February 2nd, 2009 at 11:09 pm

    i friggin hate these calls.!
    phone company’s don’t seem to care.
    does anyone know if you get charged anything for pressing one and talking to a rep?
    if not then I’m going to start messing with these people. i will shoot off hard.! thanks, i will appreciate the preceding comments

  23. SE Says:
    February 5th, 2009 at 2:15 pm

    The ripoff report number, sadly, doesn’t work; or at least doesn’t work anymore.

  24. Margaret Says:
    February 14th, 2009 at 7:59 pm

    I keep getting the calls to and I don’t even own a credit card.
    There for I don’t have A credit card account.
    I told them this when I talked to the rep.
    But they still keep calling.
    Are they stupid?
    as soon as you ask them to take you off there calling list, they call you even more.

  25. Hugh Says:
    February 17th, 2009 at 12:40 pm

    I must have gotten these same calls like 10 time and each time I have told them to take my name of the calling list or opt out but they just keep calling. I finally got angry and press 9 to speak to two different people but nothing happened. Just today, 2/17/09, I spoke with one J…a… and he just laugh it off like something is up his you know.

    The number that showed up on my caller id is

    978-570-2392 but when redialed back, it’s usually busy or blocked.

    The next time they called, I will report it as I have registered both my home and cell.

  26. Nate Says:
    February 18th, 2009 at 11:27 am

    I am on all the fed and state no call lists, however, one needs information to report these scam calls. Good luck.

  27. Sharon Says:
    February 18th, 2009 at 3:34 pm

    I was able to trick my representative (after 5 million phone calls) into giving me a call back number. I pretended to be interested. Hey if they want to pay their employees to waste time, I will waste it. Anyway, if we light up their 1-800-354-5485 phone number with calls, do they get charged since it’s a toll free? Either way, call them and leave messages for their employees or speak live to someone and just tie up their lines. Maybe they will get the message.

  28. Sharon Says:
    February 18th, 2009 at 3:35 pm

    1-800-354-5485 to reach Rache’s staff….light up their phones. Press “0” and tie up the operators!

  29. Rich Says:
    February 25th, 2009 at 2:36 pm

    We get these same calls as well. A local TV station investigated where these calls were coming from and the address they were able to pull up lead to an address in Florida. When they showed up with their news van, they found an empty building.

    This is very interesting to hear the number of people getting these same types of calls. Rachel must be exhausted.

  30. John Says:
    March 12th, 2009 at 8:28 am

    I think the name of the company is:

    United Debt Solutions
    1567 Kingsley Ave.
    Orange Park, FL 32073

    Their number is (904) 541-3081 but they won’t call you on that number they’ll use (702) 818-2427 or something like that.

  31. Sarah Says:
    March 25th, 2009 at 7:40 pm

    I have been getting numerous such calls here in Victoria, BC,, despite listing my number in Canada’s do-not-call registry. I don’t have call display on my landline at home, but when they’ve called on my cell, it says “number unknown”. I also tried pressing 1, and as soon as I said I wanted to talk to a human, the operator hung up on me. It’s a serious pain in the arse.

  32. 50yearoldman Says:
    March 27th, 2009 at 12:18 pm

    These people are scammers. I figure any scammer that calls me is fair game. These people are engaged in a criminal act.

    The last time, I called the scammer lady an accurate four letter anatomical term, and she freaked.

    Bear in mind this is a person attempting to defraud me! I gave her hell, and she hung up on me. Never heard from them again – why should they call to get insulted?

    I cannot figure why so many people are so meek and mild when dealing with these scum. You allow this stuff to perpetuate because you’re so damned polite.

    Come sit at my feet ‘My Journey,’ I can take you from an arrogant 20-something to 50-year-old curmudgeon.

  33. Zonetrap Says:
    March 27th, 2009 at 2:27 pm

    Well Done 50yearold man. I have done the same thing and sometime it works. I am in Canada and a computer geek told me once that if you repeatedly press # as soon as the computer calls it screws up their automatic dialing system. It doesn’t disable it but it screws them around. Just a little personal satisfaction when dealing with these scum sucking bottom feeders.

  34. Greg Says:
    March 31st, 2009 at 12:31 pm

    I got the following email response from VISA about this:

    “From: Mirzadeh, Armin (

    Sent: March 31, 2009 12:56:29 PM
    To: [removed]


    Thank you for your email. What you have experienced is a known scam that is taking place globally. Moving forward, please disregard all calls that are similar in nature to the one described below. Another option would be to hang up on the call and call your bank and verify whether the call that you received was in fact their doing.

    Thank you,

    Armin M.
    Payment System Risk”

  35. R Bowman Says:
    April 24th, 2009 at 11:39 am

    We’re getting calls from “Rachel” in Canada too. I keep asking them to place me on the don not call list, but the calls keep coming. So…I also now waste their time. I give them a false name when they ask who am I speaking to? And I string them along for a bit then at the time of MY choosing, quickly (before they can hang up) tell them they have wasted my time, and now I theirs..I am convinced that there is no way to get back at them other than waste their time too..

  36. Mike L. Says:
    April 27th, 2009 at 6:42 pm

    I seem to get the same calls as well, although I will get a bunch for about a month, then they seem to go away for a few months, them BAM!! They start calling again.

    The calls I get RE: lowering my credit card debts seem to be all from Florida, according to my Caller ID, but the Car Warranty calls, OMG!!! They call from all over.
    I also noticed that the calls I recieve to ” lower my credit card debt” from FL always have the same area code, ( 407 ) , But the exchange is 000-****, has anyone else noticed that?? makes the call untraceble via web. I have been told that People with VONGAGE and other VOIP are able to utilize this technique.

  37. Georgette Says:
    April 30th, 2009 at 10:47 am

    I went through the same robo-Cardholder Services calls, about one a month, from Heather last year. So far this year I’ve gotten three. The last one was today from Rachel.

    My only suggestion is to try filing an FCC complaint. Their online complaint form is very easy and quick to fill out. They ask for time of day of call and any other information you have. Maybe with all this information the FCC can do something to find and stop Rachel from harassing us.

  38. janet Says:
    May 7th, 2009 at 5:07 pm

    i received two rachel calls today – i pressed 9 and when a guy answered explained that i wished to be removed from their call list but there was no option given. He then said “I guess a ‘b— j–‘ is out of the question and hung up. unbelievable that they keep getting away with this stuff.

  39. Christina Says:
    May 8th, 2009 at 4:14 pm

    I received the “Rachel” call today while at work. I pressed 9 after listening to the message to speak to someone and asked the woman on the phone for the company information so I could file a complaint on the do not call site. She hung up on me, but I still filed a complaint anyway. If it’s not the “Rachel” call it’s “the factory warranty on your vehicle has expired” call. If telemarketers put as much energy into helping people as they do with harassing and annoying people then they’d be millionaires.

  40. Deb Says:
    May 12th, 2009 at 11:45 am

    I just received a call from “Rachel” and decided to press 9 and ask to be removed from the call list but first, I started asking all kinds of questions like is this for my current card? The Answer was yes. The lady with the funny accent asked me how much I owe and what the intrest rate currently is on my card. I told her if this was for my current account, then she should know. She hung up on me at that point.

  41. Deborah Says:
    May 13th, 2009 at 12:08 pm

    I also received a call from the so called ‘Rachel’ this morning. I pressed 9 so that I could talk to a ‘live’ person. A person called ‘Fay’ answered and I asked if she would please take my number off their list, that is all I got to say……she promptly hung up on me! How bloody rude!!! I have reported them to the FTC Bureau of Consumer Protection and would advise anyone else who receives these annoying fraudulent calls to do likewise.

  42. Anoonymous Says:
    May 13th, 2009 at 6:42 pm

    Sprint is my carrier, and I keep getting these calls. My girlfriend has a different carrier and she does not get these calls. Maybe Sprint is the only carrier that has weak enough screening to let these calls through? Other people: post your carrier. If it’s only Sprint customers, maybe this will attract enough negative attention and publicity that Sprint will realize the resources expended to fix this problem is less than the lost revenue they could be making instead of people canceling their Sprint accounts and refraining from ever purchasing anything Sprint-related ever again, and telling all their friends that they should do the same.

  43. Edward Says:
    May 18th, 2009 at 5:30 pm

    As for this number just to inform you I have contacted the admistrator of the company which has the initial number they are not United Debt Solutions and he has informed me that he will assist in trying to end this problem. I'm also in contact with FBI, Florida and FBI Maryland in order to try to put an end to this problem.

  44. credithassle Says:
    May 18th, 2009 at 7:38 pm

    I got called from 301-882-9986. Has anyone had there interest lowered or is this just a scan. I pressed 1, but never got a live person.

  45. SHELLY Says:
    May 21st, 2009 at 4:35 am

    They keep hanging up on me, too, once I get a live person. I think I'm going to do what someone suggested by giving them a false name. I've decided on who it's going to be, too— my husband's ex-wife! She left us with all her credit card bills, this is the least I can do for her…………. right?

  46. Bill Says:
    May 21st, 2009 at 4:01 pm

    Received these calls a couple times per week for the past several months. Despite my repeated requests, they never remove my name. I now have a very loud whistle in my desk drawer and when they call it is always painful!!!!! May not be effective in having my number taken off their list, but they will pay a price moving forward……

  47. Guest Says:
    May 22nd, 2009 at 8:37 pm

    There is only "unavailable" on my caller ID with no phone number. They are getting worse. I have received five calls in the last two weeks. Two just in the last hour. You cannot report anything that does not ahve a number, so just don't answer the phone. If you do not have caller ID, keep a whistle next to your phone and when it is a real person, let the whistle blast! Maybe they;ll quit calling.

  48. Mike Says:
    May 26th, 2009 at 3:47 am

    It never stops. They are now calling from New Brunswick with the same old sorry story line. I guess it will stop when all the fools get scammed. I talk to them, lead them on as much as possible, sometimes give them fake, but reasonable, CC numbers and info. I'll waste their time like they waste mine. It is hard to believe that ANYONE would ever consider doing busines with them

  49. Mike Says:
    May 26th, 2009 at 3:50 am

    Added comment,
    Don't bother filing a complaint with the FCC about the do not call list violation.

    It's another innefective pork-belly law. They do notthing. Rachel is still calling……

  50. Dale Says:
    May 27th, 2009 at 2:59 pm

    Yeah, I get these too. I thought I'd talk to a rep and ask them to take me off their call list. When I finally did get a woman, and asked to speak to her supervisor…"click". I'm reporting them to my state Attorney General. Maybe that'll cause them some aggro.

  51. Alice Says:
    May 27th, 2009 at 8:26 pm

    I have been irritated by these morons for months now. I'm in New Brunswick, Canada. Most of the time it's Michael from cardholder services on the automated message. I have caller ID and for the first month I kept hanging up on the same #. Finally I got PO'd and pressed the option to be taken off their list. Guess what, that didn't work. Then I talked to a rep to get taken off the list. That didn't work. That evening they called again and I started screaming at them. The fellow I blasted was very polite and said he'd see what he could do. I didn't hear from Michael for a week. Then he called again from a different #. In the last 3 months I have heard from Micheal from 5 different phone numbers with area codes from 5 different states! Is there really anyway to track these jerks down and charge them with harrassment?

  52. Pink Says:
    June 2nd, 2009 at 3:56 pm

    Buy one of those airhorn in a cans. Press one to speak to an agent… once you know you have someone on line…. blast them. Maybe they will take your number off their list.

  53. weskos Says:
    June 3rd, 2009 at 5:26 pm

    I do this, and they continue to call.. at least once a week. I have since reported them to the FCC and the FTC.

  54. ShSimpson Says:
    June 5th, 2009 at 9:27 pm

    I keep getting a call that starts out "This is Michael from card holder services". It goes on to do the sale job on reducing my interest rates on my credit cards. You can press 1 to speak to an agent and 3 to have your number removed from the call list. I have pressed 3 so many friggin times it is just crazy. Twice now I have pressed 1 to try and reason with an agent. On the call today I put on my nicest and friendliest voice hoping that would help but they just hang up on you as soon as they hear you want out. Next time I am going to play along so that I can at least find out the name of the company that is doing this. The caller id on today's call was 720-377-9293 but it just rings busy when you try to call them back.

    If one was to get the name of the company and where it is incorporated you should be able to find out the name of the executives and/or board members. Lets find his home phone number and post it for all here (and elsewhere) to start and call him and make like telemarketers. I'm not sure what the legalities of this are but its obvious that he doesn't give a shit about those things anyway.

    The way many of these shitheads are getting around the no call list is by originating the call from another country. US companies originating the call from Canada don't have to abide by the US list and vice versa. What needs to happen is to allow persons from both countries to register on both lists. It is time to start and write to our politicians to try and effect change.

    The politicians should care about this. It is the down and out people that are getting sucked in on these scams. Persons with a good credit rating and know how to manage their monies don't need a service like this.

  55. BGrassmyer Says:
    June 9th, 2009 at 7:15 pm

    I actually played along today and made up a story to get a call back number. I was given 1-800-VISA-911. I am betting that this a fake too. BTW, they needed my number to call me back, but I of course gave them a fake one. I can not wait to have them call me back….

  56. erevelle Says:
    June 10th, 2009 at 9:19 pm

    I just heard from "Rachel" with cardmember services, again… – I chose '9' so I could talk to a rep. Gail FINALLY came on the line and I acted like i was interested. I told her i was busy but i needed to call them back at my convenience. Of course, she would not give me a number. As I told her to put me on their "no call list", she rudely hung up on me. The number that I got when i hit *69 was 305-000-8797 – of course a nonexistent number. By the way, that 1-800-visa number has to be a scam! It just does not sound at all like VISA. I have reported this, but of course don't expect any results.
    I am a realtor, and I have to check the 'do not call registry' before I make cold calls, or i could face a hefty fine. Why don't these guys get caught? Come on Uncle Sam!!

  57. payback Says:
    June 11th, 2009 at 4:04 pm

    i am trying to reply to all comments i just confirmed one of the companys this call is coming from —blue harbor financial trevor city michigan—1-866-415-8633—–the girl i talked to said that it is not there company but small sales and solicitation companys that work for them yet she would not give me a number for these call center but said there were two one in georgia one in tampa–but that is all she would give but did confirm that yes–the companies they hire to make the calls and get the business that is does start off with a recording and read back the Rachel recording and she said yes that is how-the companies they hire start off there call. with the rachel pitch So we may not have the exact location of wheere the calls are coming from but i and we know this company is part of the game so why not burn they're phone lines up.

  58. Bill Says:
    June 11th, 2009 at 6:44 pm

    Here is my info on Rachael. I hit the number and played along. I spoke of my fear of scams and the rep identifed the org as DHC Financial Services out of Florida. Phone number is 877-DEBTOK2 Website is I have filed complaint with the FCC.

  59. FinallyFedUp Says:
    June 12th, 2009 at 7:15 pm

    Pink Wrote:
    Buy one of those airhorn in a cans. Press one to speak to an agent… once you know you have someone on line…. blast them. Maybe they will take your number off their list.

    I did that with the Car Warranty people after trying all the other suggestions and even being threatened by the person on the other end of the line. They eventually stopped calling. Time to get a new one for Rachel and the free security system folks

  60. Nebraska Says:
    June 13th, 2009 at 12:29 am

    How do you know if it is a scam???? Have you ever checked out what kind of work they can actually do for you? I am wondering because they call me too and I can not be sure??? What if they are running a legitimate business?

  61. Steve Says:
    June 13th, 2009 at 4:40 am

    Wow – this sounds like great advice. Sign up for the do not call list, after all that would be the first thing that scam artists would check prior to conducting their scam wouldn't it. Really, do you think scam artists even have access to the do not call list? Do they give a rat's po po?

  62. Bill Says:
    June 23rd, 2009 at 2:41 pm

    877-debtok2 is registered to Lightyear Network Solutions. Lightyear is a large ISP with VOIP support. I suspect that the Rachael calls can be traced back to and are originating from LIghtyear's network.

  63. Kevin Says:
    June 23rd, 2009 at 6:03 pm

    Rachel is a sneaky scank. She now is using a program that on the caller ID shows the number as a local call.

  64. James Shiffer Says:
    June 26th, 2009 at 10:29 pm

    I've been hunting for Rachel from cardholder services, without success so far. Check out the Whistleblower blog:

  65. Class Action Says:
    July 1st, 2009 at 5:22 pm

    I'm on the National Do Not Call Registry. I think the
    company should be set up as an example. I receive calls
    from "Rachel" every couple of weeks. Several times, I
    asked to be removed from their list, and was told I was.
    The calls continue. Now, when I ask for contact information,
    they simply hang up on me. What use is a National Do Not
    Call registry if there's no way to identify who's calling

  66. Ty Henesey Says:
    July 1st, 2009 at 9:25 pm

    I have found 1-866-211-1277 and I phone and email them everyday. every body should spam or phone with ignorant questions such as how do i light a bbq is rum better than rye will my bot run with no oil. In other words start wasting their time and 1-866#

  67. Jed Robertson Says:
    July 2nd, 2009 at 1:03 am

    A police whistle was the choice back in the day. I understand it can break eardrums.

  68. Jim Goble Says:
    July 3rd, 2009 at 6:43 pm

    Just got a call from this outfit today. I asked them to send their proposal in writing. They hung up immediately. I agree–10 to 1 it's a scam!

    Jim Goble
    Lincoln, NE

  69. Michael Says:
    July 6th, 2009 at 6:05 am

    I thought she said she was Rachel from Cauk Holder Services. When I hit 9 to talk to her, I asked if she has service charges for being a Holder…they hung up.

  70. Jessie Says:
    July 6th, 2009 at 4:14 pm

    BY THE WAY!!

    for your information, when you press 2, or 7, or whatever number they give you
    to not receive further calls, all you are doing is letting them know that they have
    reached a valid phone number, and the calls will double or even triple in frequency!!! :(

  71. Dennis Says:
    July 6th, 2009 at 6:25 pm

    I just got ANOTHER one (both phone lines). Caller ID is now showing the call as Des Moines IA (515) 369-5711.

    I suggest you waste THEIR time by pressing 9. Have some music or the tele on in the background. They'll keep asking if anyone is there. Yank their chain.

    I'm beginning the DO NOT CALL list is a joke. I've reported their Florida number dozens of times. Nothing happens.


  72. DEnnis Says:
    July 6th, 2009 at 6:28 pm

    (Typo correction-sorry)
    I just got ANOTHER one (both phone lines). Caller ID is now showing the call as Des Moines IA (515) 369-5711.

    I suggest you waste THEIR time by pressing 9 to talk with a rep. Have some music or the television on in the background. They'll keep asking if anyone is there, but finally hang-up. Yank their chain.

    I'm beginning think the DO NOT CALL list is a joke. I've reported their Florida number dozens of times. Nothing happens.


  73. Bob Says:
    July 6th, 2009 at 7:23 pm

    I get the same calls, but forget calling back a caller ID umber – they are fake. They go through a service that reports a fake caller ID, like if they called from 212-555-1212 it would read, (this one I actually got from them myself) 305-000-2945 which can not be a valid number. No exchange can be all zeros. When I hit 9, (the one from my call) as soon as someone answered and asked if I was responding to their offer, I said, "I'm responding to a call I got." he immediately hung up on me. He was no fun.

  74. john Says:
    July 7th, 2009 at 12:33 am

    I just received a call from cardholder services as well. Mine came from1-877-5426650, which of course is disconnected or no longer in service when you try to call back, I have repeatedly pressed two to be removed, I have pressed one and wasted their time, made up fake info, asked for a supervisor, asked to be removed ect. ect. Nothing works. So I got myself a whistle, today when they called I pressed one, spoke softly, and acted extremely interested, and then blew the hell out of the whistle, the nice lady on the other end asked if I was done yet, I just kept blowing, she hung up.

    I then immediately received another call from 00000000000, it was the same lady, she began to yell and curse at me, I asked her to please remove me from their calling list, she told me that she gets paid to call and bother people all day and began yelling and cursing at me again. Apparently they do not like it when you blow a whistle into the phone since she personally called me back.

    My advice is every one get an air horn or whistle ect and use it every time they call.

  75. Bill Says:
    July 9th, 2009 at 4:51 pm

    I have been harassed repeatedly by Cardholder Services in violation of Do Not Call. Today, I read the woman at the other end off (but no threats other than reporting them to law enforcement and for violating Do Not Call) in the hope that they might stop.

    A few minutes later, a man called me back and began to read me off for abusing “his girl.” I told him that, as they were making harassing phone calls I would speak to her and to him in any manner I chose.

    At some point in this heated exchange, he said, “I am going to send somebody to your house to kill you.” I replied, “You have just committed a felony,” at which point he hung up.

    This is probably reportable to law enforcement as a terroristic threat.

  76. Fred Says:
    July 10th, 2009 at 12:42 pm

    I got this call today from 305-000-2945 (this time). I have found that they leave you alone for a few months if you talk to a rep. and toss out the reference. Well, today that did not work. When I told the woman that I was registered with she first said, “I don’t know what that is”. When I said “pardon?”, she started laughing at me and told me that is a joke and does not exist, that they can call as many times and as often as they want and there is nothing I can do about it. That’s when I called my local phone company. Their fraudulent call department directed me to the FTC (Federal Trade Commission)and the woman there filed a formal complaint for me. I doubt it will do any good, they’ll call again with some bogus number on the caller ID. It is usually not even a valid number…a bad area code, or an exchange that has not been used for decades. I was called by a local number one time and called my phone company about “Rachel from Cardholder Services” and they told me that exchange was not even in use anymore. I am not sure how they are masking their calls so that they show up as bogus numbers on caller ID, but they are insidious.

  77. Dan Says:
    July 13th, 2009 at 9:54 am

    This is a scam trying to steal you financial information and identity.

  78. Stuart Posselt Says:
    July 14th, 2009 at 2:54 pm

    The Card Holder Services have called me on both lines a number of times and each time I have asked to not be called as I am on the do not call list. I have reported them each time and it does no good.

    We need an ambulance chasinsg attorney in Florida to file a class action harrassemnt action and get us $5,000 per call. Any takers?????????

  79. Karen Says:
    July 17th, 2009 at 10:54 am

    I’m tired of Rachel and other scams. Trying to operate business and get alot of calls that waste my time.

  80. julie Says:
    July 24th, 2009 at 5:04 pm

    I was as frustrated as most of you, until I decided to look at it as cheap entertainment. When the call comes in, I press 1 to speak to the rep. I then tell them I’m interested in knowing how the program works. I’m usually then asked how much credit card debt I have. I tell them to hold on and I’ll get my statement. I go away for a couple of minutes and if they are still on the line when I come back, I say $100 or $12.95 or whatever hits me at the moment. If they haven’t hung up already, they hang up quickly after that. I’m not saying it’s eliminated the calls, but they are down to about one a week. I was getting five a day.

  81. Get 'er done Says:
    July 24th, 2009 at 10:06 pm

    Regarding the Rachel calls that route me to DHC Financial Services: Great news! I found someone who is willing to get Rachel to stop calling me. Read below:

    Dear Mr. XXXX:

    I am in receipt of your e-mail below that you sent to Lightyear Network Solutions, LLC (“Lightyear”) regarding the harassing phone calls you have been receiving from 877-332-8652 (877-debtok2). This number does belong to a customer of Lightyear. However, before I contact them about these harassing calls, I will need to know your phone number that is receiving these calls so I can get them to remove it from their predictive dialer. Would you please provide me with this information.


    Linda Hunt
    Lightyear Network Solutions, LLC
    Director of Legal and Regulatory Affairs
    1901 Eastpoint Parkway
    Louisville, KY 40223
    PH: 502.410.1531
    TF: 800.805.8383 Ext. 1019
    FX: 502.515.4138

  82. Rickie R. Says:
    July 29th, 2009 at 5:33 pm

    Mike (Response # 48) Don’t make up a credit card number. You might just be making up someone else’s real number.

    Yeah. I hate Rachel too. Now I just want to punch the number they give and unleash a barrage of swear words at the cheeky s.o.b.’s that give smart-a** answers when I tell them about the do not call violation.

  83. Richard Says:
    August 4th, 2009 at 2:15 pm

    What I would do is to press one, when the person gets on the line blast them with an airhorn; or set your answering machine to record and hold the headset to the microphone and get them with feedback.

  84. Wilson Says:
    August 7th, 2009 at 12:03 pm

    I used to get all kinds of calls about getting an auto warranty until I pushed the pound sign 10 plus times once their automated message came on.
    Before that, I’d get them several times a week, now lately I’ve gotten none.
    But, they seem to have moved to another technique. I get a call with a recorded message saying “This message is for (my name or a totally unrelated name) Please press one if it is..” yadda yada yadda.
    So, they’re obviously still phishing for information. Those of you who’ve managed to bollix up their system by pushing # ten times might want to be aware of their new tactic. They just cant get rid of any phone numbers, can they?

  85. Lori Says:
    August 7th, 2009 at 4:13 pm

    I have filed two complaints with the Attorney General, one with the Federal Trade Commission, and one with a friend of mine who is a Cheif of Police. I also sent information about this to FOX News in hopes that they’ll do a story about it. Somebody needs to track these people down, prosecute them, and put them in prison. They are criminals!

  86. BUSTED! Says:
    August 13th, 2009 at 12:07 pm

    got a letter today from my states attorney General asking me if I will cooperate with them in the filin of a complaint against these scum bags. I already know what will happen, I filed a complaint before on another company, same letter and then the follow up letter stated the company had been fined $5000 per incident, had to purchase the do-not-call list, SO you see You also have to do something to follow thru on this. I actually told the basderds that I would do this and they laughed at me. NOW who laughs last?

  87. Brad Kasimir Says:
    August 14th, 2009 at 1:48 pm

    Here is the phone number for these scam artists: 888-878-1014. If you politely ask to speak to Rachel because you have additional information for her, you can get to these folks and let them have it!

  88. Joel Martin Says:
    August 14th, 2009 at 5:00 pm

    I hate these people. I friggen hate them. They’ve call me twice a day for at least 6 months and it’s really stressing me out. At first I always hung up and didn’t follow the prompts, but they kept calling. Finally, I got fed up and followed the prompt to ask them to remove me from their call back list… They hung immediately hung up. Then again, and again, and again. Finally, I played along and asked the last person to put me through to their manager. What did they do? They hung up. There’s no accountability with these clowns. They don’t respect our privacy and all they care about is getting a sale (or whatever it is that they do). Hell, I don’t even know what they do because I tried to ask someone about it one time, and what did they do? THEY HUNG UP! I hope they all die in a fire. Seriously.

  89. honestly Says:
    August 22nd, 2009 at 10:03 am


  90. Joel Martin Says:
    August 24th, 2009 at 8:21 pm

    Then why does the prompt ask us to press the #8 to be taken off the “list” if said list doesn’t exsist? It all sounds like a colossal load of crap… Honestly.

  91. well... Says:
    August 25th, 2009 at 7:20 am

    good question, i really dont know why… its a auto dialer and just dials numbers and changes the last digit to every number…

  92. Corith Says:
    August 25th, 2009 at 7:13 pm

    I just got one of these card holder services, somebody, and fed them information they wanted to hear: Several credit cards, high interest rates, etc. When they asked for the apr value on a statement, I told them I didn’t have with it me, but if they gave me a call back number, I’d go rummage through the trash for the old billing statement.

    Sure enough, and as we all know, the number they gave was bogus.

  93. Lori Says:
    August 27th, 2009 at 12:10 pm

    Rachel is at it again. She just called me for the 100th time. After filing complaints with the attorney general, the FCC, the FTC, and the Chief of Police to no avail, I am resigned to the fact that I can’t beat these phone terrorists. I give up.

  94. Bill Says:
    August 28th, 2009 at 11:36 am

    This may work for you!
    Every time they call, have a loud shrill whistle handy by the telephone. Press the number they give to speak to a representative. When the rep answers, blow the wistle into the phone as loud as you can!

  95. ChrisM Says:
    September 19th, 2009 at 8:01 pm

    There is virtually nothing that works to stop these calls. I have tried everything possible and they just keep coming at the rate of at least 3 per week for both my home and business phone. I’ve tried to lead them on with my desire to obtain their card but they want all of my personal information without exposing the name of their company or sending me a hardcopy, fax or email of the terms and conditions. They don’t care if you are on the do not call register because they are crooks and the rules don’t apply to crooks. The new robo-call law SHOULD have stopped them but again, they are crooks and they don’t abide by the law. When the recorded message says to press two to have your name removed it connects you to the same operator that you would have gotten had you pressed one so they have no desire to remove you from the list which is just plain stupid because they are not only wasting my time but they are wasting their own as well with these repeated calls. I contacted the Attorney General’s office but they can’t help unless I have the caller ID number from which they are calling and they are using a program to hide their real phone number. I have asked, I have cussed and how I use a coaches whistle and blow it as loud as possible when I’m connected to the crook who is on the other end – I still get the called but I feel a lot better knowing that somebody is going to either get a headache or their ears are going to be ringing for a couple of hours.

  96. pas Says:
    September 21st, 2009 at 4:16 pm

    Their new number is 888-233-1563. I called and spoke with 2 men who said their company took over DHC Financial a few months ago. They said they stopped the outgoing calls when they took over, and since they acknowledged that the calls are illegal, they denied that they still do them. Both guys acted very surprised, but it was just an act. Again, that # is 888-233-1563……

  97. c Says:
    October 2nd, 2009 at 3:03 pm

    seems like what is needed is a weapon to fight these bastards (obviously i was also called again today) (… but i like the whistle too) – for instance, a tap into the phone system when they call that launches a virus through their network and takes them down – how about a Federal action that requires the Phone Co. to provide this weapon – like a *69 type of system – like: *FIRE or whatever – this way after implementing something of this nature Nationally, these companies would ‘know’ that if they call someone they could have their entire network destroyed by anyone who activates it.

    here’s another thought: above post #89 – states that this person works for one of these companies – and would have the kahones to post here (how helpful and arrogant – they think they can’t be caught) – get this persons IP number – turn it into the FBI – so they can track them down and get this person to reveal the company and location – and take them down! act quickly please admin.

  98. c Says:
    October 2nd, 2009 at 3:17 pm

    follow up: if a ‘weapon’ system was developed – one would also need to implement a registered list of companies that are legitimate – the weapon would need to confirm that the company making the call is NOT on the list of legitimate business before activation. in this way one could control the system so that people just can ‘destroy’ any company computer system – only the illegitimate ones.

    IF a legitimately registered company DID make these calls and was then reported – the information from the registry would provide the means to find them and prosecute (information given would need to be confirmed at the time of registry)

  99. Indiana Resident Says:
    October 6th, 2009 at 3:26 pm

    I get these calls quite often and stay on the line to talk to a live person. Each time, I get a different person, with a different attitude, working for a different-named company. Usually it’s been the Cardholder Services company. Today it was the “National Debt Hotline.” Internet search really didn’t give me any clue as to who that company is. So, I wonder if they are going by a variety of phony names.

    On a side note, I asked the “representative” the name of the company and where the company is located. That’s when the guy got really pissy, yelling at me for asking him that. I told him that we were on the National Do Not Call list and by calling us, the company is violating federal law. Then he said, “At the sound of the tone, you will be alone,” and hung up.

    These people ultimately aren’t selling anything I’m sure. Anybody that’s interested or pretends to be interested to get info out of them just gets hung up on. And what’s even scarier is that by the sounds of it, the FTC can’t even track them down.

  100. shawn Says:
    October 7th, 2009 at 10:32 am

    This is a huge SCAM!! I played dumb and obtained their Contact Info:

    Accelerated Savings
    Flordia USA

    888-351-2551 This number leads to reception..

  101. doug Says:
    October 7th, 2009 at 11:53 am


    I called the number you gave. Accelerated Savings is a legitimate company who are not making these calls.

  102. shawn Says:
    October 12th, 2009 at 1:26 pm


    That’s real funny because i received the ‘rachel from card services’ auto dialer call pressed one, spoke to a rep (who’s extension i got) for quite awhile. Funny that he would give me this number..??? Thoughts?

  103. Sheila Says:
    October 29th, 2009 at 1:09 pm

    I received 2 calls from rachel @ card holder services on my call today. there were 2 different numbers the call came from. The first one was 407 000-7943. I pressed 9 to speak to a rep and told him not to call my number again and he hung up on me. the 2nd call came from 619-801-8152. I called that number back and the recording said to press 1 to be placed on their “do not call list”. This doesn’t mean a thing. I did it before and i’m still getting calls.

  104. Kami Says:
    November 10th, 2009 at 4:02 pm

    I pressed 1 to talk to a rep and as soon as I got him I told him I wanted to be taken off their phone list but he hung up on me. AARRGH!

  105. Andrea Says:
    November 18th, 2009 at 6:37 pm

    I too am fed up with the “rachel” @ card member sevices call. I was so sick of it today that I googled cardmemebr services FL. spam and found this disscution board. I have not reported the call to the fcc or who ever and I am going out tomorrow to buy a blow horn (LOVED this idea). I am so sick of these calls and getting hung up on and if it is not going to stop I guess I will just blow all their damb ear drums…he he he!!!

  106. Mark Says:
    November 19th, 2009 at 11:40 am

    I am curious as to how we all got on this list. This all started after I sold a car via autotrader/craigslist and then bought a vehicle with an extended warranty from Carmax.

  107. joe blow Says:
    November 24th, 2009 at 12:16 pm

    dear raechel…bite it..i hate you..someday you will be found…i hope they torcher you and your you did ours.

  108. Unindicted Co-Conspirator Says:
    November 25th, 2009 at 11:59 am

    I’m getting this crap from 407-000-6956.
    I’m glad to know this is a scam, I always hung up & when I called my CC [Citibank] issuer said it was them, but it’s not. I’m now going to file a 1088 with the FCC for a Do Not Call violation.

  109. anon Says:
    December 1st, 2009 at 1:33 am

    make no mistake about this..the info listed above is correct and this is the location of the operation currently. All of the leads they use are illegally outbound robot dialed with the computer system. Most poor dumb reps that work there don’t realize they are breaking the law. Its the Owner or the Sales Floor manager and upper management that should be at fault. They break the law to enroll clients into the system. They conduct a recorded verification process to ensure they can charge your credit account. The script they read for verification is specifically designed verbatim to avoid any legal charge backs. Every word is a trap. They may have offshore merchants or advertisers to run the lead campaigns. Now They may be able to help 10 percent of the people that they enroll because they will do what people in debt should do on their own, they may work to help manage your accounts with a consolidation or a restructuring or a flat out threatening to transfer balance a clients account to a new credit card, but all in all you could do what they charge an arm and a leg for yourself.

  110. SHEILA Says:
    December 11th, 2009 at 2:32 pm

    I get that same call several times per day!
    It makes me SO EFFING MAD!
    I pressed 9 to speak to a service rep and they hung up on me!
    I tried calling back the number which showed in the caller ID and it went to some chat line.
    It sounded like the message said “Welcome to Hypnotic Chat.”
    How can I make these a-holes STOP?

  111. Frank Rice Says:
    December 15th, 2009 at 12:27 pm

    I get al least 2 to 3 calls from these con artist’s a week. When I stay on to talk to someone I either get s smart assed answer or they hang up on me. I have told them several times I am on the “DO NOT CALL LIST” but i still get the calls, What’s up with that?

  112. Chaz Says:
    December 24th, 2009 at 1:22 am

    I was getting calls from the same place daily for a few months with me asking every time to take me off there calling list and that I was on the do not call list. So, a week ago I got the call and I pressed number 3 to talk to a representative and let on to them that I needed help with my credit cards and got thier full attention and then I said, “you know I am really tired of these calls”. I then blasted a hand held air horn into the phone. The calls quit that day.

  113. Bill Says:
    January 11th, 2010 at 4:17 pm

    Always try to verify the number they give you; they will usually give you one that doesn’t work or one that belongs to an innocent third party.

    One guy (not Cardholder Services) WAS stupid enough to give me a number where I could call him back, and I did so to confirm that it didn’t belong to somebody else. Then I turned the number in for a Do Not Call violation.

  114. Tim Says:
    January 13th, 2010 at 12:49 pm

    I don’t know why the FCC doesn’t put a stop to these bastards.

  115. Cirius Says:
    January 13th, 2010 at 3:55 pm

    If this doesn’t stop, I will be cancelling my landline.

  116. kevin Says:
    January 15th, 2010 at 2:16 pm

    just got the call for the second time, when I asked the person that came on the line what card this was for they hung up on me still LMAO

  117. Ben Says:
    January 15th, 2010 at 4:27 pm

    I’ve gotten these calls four times now, the first three times it showed up as 914-339-5696 and the last time it was Unknown.

  118. Keith Says:
    January 28th, 2010 at 3:43 pm

    Normally, I’m an extremely patient person. I’m never rude to telemarketers. But today this umpteenth call from Rachel finally really got me upset. Once again, I, too, pressed 9, and when the guy picked up, I said in my friendliest voice, “Hi! I was just wondering what I have to do to get Rachel to stop calling me.” And, as expected, he promptly hung up! I’m going to file a complaint with the Arizona Attorney General’s office.

  119. K4S Says:
    February 6th, 2010 at 12:45 pm

    How many people really talk to these people to get there interest rate lowered? Who’s paying to lower this interest rate? Who’s paying these reps? These calls are costing someome money. Who’s behind it? These calls HAVE to STOP!!!!!

  120. Kris Says:
    February 18th, 2010 at 4:56 pm

    I have been receiving these calls at least once a day at work for probably 5 months now. I got my first one on my cell phone today, my cell has been on the do not call registry for years, I complained. These are the numbers I have found that are now blocked, all seem to be our friendly Rachel:

  121. Sara Says:
    February 22nd, 2010 at 2:54 pm

    I actually JUST received a call. they come every few days.
    they do NOT hide their number, but it’s ALWAYS a different number, every time.
    the one that just called me was 425/484-1805 & it says it’s from Bellevue, WA (gotta love iPhones).

    i’m on the National Do Not Call List, but they keep coming. I’ve done the same thing, where i press one to talk to a rep & they either hang up on me if i say anything regarding being pissed off about the calls, or the one time that i got to someone & i said “look, i have no interest in this crap, can you please take me off, NOW?!” the guy said “NO, you pressed ONE, you didn’t press TWO!” & he hung up on me.
    that was ridiculous!!!

  122. william Says:
    March 2nd, 2010 at 12:45 am

    well i just read about 60 of the same responses and they are all the same and im in the same god dam boat, so here i stand asking what the hell can we do to stop them? this is bullshit and im sick of these calls. Does anyone of the past 121 post know of any solutions. Hell lets all throw a dollar in the jar and pay a dam attorney to figure this out!

  123. Rod Says:
    March 9th, 2010 at 4:34 pm

    The operators of this scam are World Class Services or JPM Accelerated Services. Contact them at 1-888-878-1014 ext 5047 and ask to speak to a supervisor. Threaten the supervisor with legal action if you are not immediately removed from their call list. The receptionist may be screening the calls for the supervisor, so you may have to wait for a return call. This has worked for me in the past. I have spent very many hours putting this information together. I hope this will save you time that I spent. Good Luck!!

  124. Jill Says:
    March 15th, 2010 at 10:41 pm

    Now they have a new get the usual call from Tracy, Rachel,etc. and when you press 1 to complain to the get another recording that says that person is unavailable..please try your call later. I noticed it was coming from a local I called the number back and found that the person on the other end had no connection to Card Holder Services! Just a regular Joe.. they are now “Spoofing” phone numbers to get to you.(Disguising their number or blocked ID to read on caller ID as a local number. SO I went to my trusty computer and did a search on this company only to find pages and pages of people complaining. I clicked on the first one and BAM! I got slammed with 11 different viruses!..They have attached viruses to all complaint pages against them. I called the FCC,FTC, ATTY GEN., and BBB And my phone service fraud department. I also called back all numbers they “Spoofed” and informed the others that they had been “Spoofed”. Make these calls so the government can take them down! I have case#’s with all…get yours today! The more complaints they get the better for us to stop them!

  125. Ed Says:
    March 16th, 2010 at 12:19 pm

    I hate to inform all y’all, but the “piercing whistle” or the airhorn blowing actually does nothing but help your temper. telephone audio is set at approx. 60 db, and anything louder will not be transmitted any louder than that.

  126. Canoeman 357 Says:
    March 16th, 2010 at 8:34 pm

    Yep, I get ’em too. My caller ID got the following number 951-545-5076. Heres what a reverse search found:

    Area Code: 951
    Prefix: 545
    City: Corona
    State: CA
    Country: United States
    Latitude: 33.8721
    Longitude: -117.5668

    Maybe we should all contribute $5 and award it to whoever renders these jerks impotent.

  127. Randy Says:
    March 24th, 2010 at 4:22 pm

    Call your Senator and Congressman – tell them you would like an appointment to sit down with a staffer and discuss this. Be late to the appointment, go there with coffee and donuts in your hands, be a slob, be rude and spill shit all over the place. When they ask, act surprised and tell them this is exactly how you should act in the office of a Congressman from lower Slobbovia. Because that is how it is here. It is ALL FOR SALE.

  128. EmLue Says:
    March 25th, 2010 at 5:13 pm

    I get the same calls. Caller ID is 425-484-1811. I wonder what would happen if you called that #.

  129. Susan Says:
    April 1st, 2010 at 8:04 pm

    What is this spoofing of local numbers all about? When “Rachel” calls us, it shows a local number. When I called back that local number, I got someone who said they live in a house and they’d never heard of such a thing. So could their number be “spoofed” by the scammer? How can they (the spoofed phone number person) stop their number from being spoofed? It’s all very annoying.

  130. Jake Summers Says:
    April 2nd, 2010 at 2:41 pm

    Wow, I didn’t realize this is such a huge issue. I get the exact same thing about 3 to 5 times per week and it pisses me off. I finally got on the internet to find the company phone number, but as like most of you, haven’t found anything to get them to take me off of their damn calling list.

  131. Dan Says:
    April 5th, 2010 at 9:53 am

    Notice that all of these shell companies are based in Florida. Florida is a scammer’s paradise –corruption is rampant and regulatory enforcement is joke. It’s one of the reasons I left the state.

  132. I Hate Rachel Says:
    April 6th, 2010 at 4:05 pm

    At least all you guys just get 3-5 calls a week. I get 3-5 calls a DAY! Once I got 9 calls in one day!!! They call me from MY OWN damn number. How do you call that back??? Screw the 60DB shit… i yell louder then 60db and my boyfriend hears it…. So i’m with the rest of you…. I’m getting an airhorn… and either.. pure annoyance will make them stop or someones going deaf. They’re calling me right now……… I have already had 6 calls today!!!! Seriously… Ima freak out, if they dont stop. The FCC, FTC, Attorney general can’t do anything about them who exactly can?? And they wonder why vigilantes do what they do.

  133. Rayn Says:
    April 10th, 2010 at 2:17 pm

    I keep getting these calls too sick of them cause i dont even have a credit card any time i talk to some one and try to find out they hang up as well some one need to shut these guys down

  134. Al P Says:
    April 16th, 2010 at 10:04 am

    I just got the same call for the 2nd day in a row. Same time in the morning – around 10:45 AM. This Rachel girl must be VERY busy. Poor thing probably has bloody fingers from all the dialing. Can’t they track these people down? They do it on NCIS all the time to people with disposable phones. Since this is obvioulsy an auto-dialer, it must be at least a PC, and I can’t believe they move it around too much. I logged a complaint with, but I have no faith in thier enforcement of it. I’d love to be proven wrong for once!

  135. matt Says:
    April 21st, 2010 at 3:06 pm

    So sick of Rachel and Cardholder Services.

    Every single day I get their calls and they never take us off their list

  136. John Says:
    April 25th, 2010 at 11:20 am

    I have the answering machine set to pick up all calls as soon as possible. This takes care of live and computer calls. Live ones don’t like answering machines. In the past, I would make contact with a human then ask them to wait a minute while I answered the door, but would not go back to the phone until I heard the beeping. Little revenge there, but not much. I like the whistle in the ear thing the best. Will try that.

  137. Steve Says:
    May 5th, 2010 at 3:17 pm

    Upside prepaid cards is cardholder services,
    It’s address is
    P.O. Box 550160
    Ft Lauderdale Fl 33355-0160
    Phone # 1-866-845-6273

    Please be sure to report them to the do not call center and your state attorneys general.
    This should put an end to their scams

  138. Mike Says:
    May 5th, 2010 at 7:55 pm

    If you get a call from Card Hoder Services, play with them and try to keep them on the phone as long as you can. Ask them questions instead of them asking you. This will tie up their lines and time and reduce the number of the calls they can make and answer.

  139. esther Says:
    May 6th, 2010 at 9:49 am

    I am sick of that bitch too. Why does the gubmit bother to let on they are going to stop something like this when they know good and well when they start it and no doubt use no telling how much of our tax money, that they wont do a thing about it or it is too big to do anything about.
    I cant tell u how many times I have pressed 9 to talk to an operator and believe it not, I NICELY tell them to please take me off the calling list, or I am no a ‘no call’ list and they hang up on me. I got a call at 9 last night from them and this morning first thing, and I pressed 9 and I said ‘I am on a do not call list, please dont call me anymore” and this little fag says “Me?’ and hung up. I guess they get a kick out of that, but how in the world can they afford to pay people to sit there and answer the phone for that, surely they would’nt get any business out of that.
    I went to the FCC but there is so much bull for the someone to go thru, I wonder if it is worth it and would they ever do anything about it anyway?

  140. esther Says:
    May 6th, 2010 at 1:01 pm

    My story is like everyone elses. The phone rings and u only answer cause u think it may the daughter, or Mom, and it is Racheal, I am so sick of her and the thing of it is, it aint no telling how much the gubmit spent of OUR money to set up that DO NOT CALL registry and I bet it would take 10 yrs and cost ya hundreds of thousands of dollars in lawyers fees and lost wages to get anything done about them calling . I get at least one call a day and when I press 9 to speak to an operator, I try to be nice and say ‘I am on the DO NOT CALL LIST please take me off your calling list and they hang up. How do they ever make enough money off this to keep it going??,,,,, is my question.

  141. Tyler Says:
    May 11th, 2010 at 9:32 am

    I don’t even own and have never owned a credit card. I get the same calls almost daily on my cell phone.

  142. jinsei Says:
    May 14th, 2010 at 4:01 pm

    That little shit Rachael has called me on my cell phone twice and I hung up within 10 secs. Here are two no. they’re using 269-768-2215, 562-289-8130. I’m sure they have more. If you can’t recognize the no. don’t take the call. Let Rachael piss off!

  143. trudy Says:
    May 17th, 2010 at 7:54 pm

    I play with them, pretending I’m interested and try to waste as much of their tine as possible.

    This crap has been going on for so long, I wonder why the feds or some state has not thrown the book at them, anybody know?

  144. Tina Says:
    May 20th, 2010 at 3:44 pm

    I also receive all these call on my cell phone. I have no idea how they got that number to begin with…I don’t give it out but to friends. I have read & tried to call all the numbers listed on this site but not one of them rings…either is busy or a disconnected recording. I pretty aggravated about the whole thing but after reading all these posts, looks as if theres nothing to do that hasn’t already been tried! Argh!

  145. anon Says:
    May 24th, 2010 at 3:11 pm

    The caller is an illegal telemarketer. Here is his contact info:

    Charles Martin
    220 S Sanford Ave
    Sanford, FL 32771
    (407) 718-8366

    He was also doing business under this entity:

    C & K Marketing
    4899 Cains Wren Trl
    Sanford, FL 32771
    (407) 323-4102

    and under this entity (record from FL secretary of state):

    C & K Solutions One, LLC
    SANFORD FL 32771

    FWIW, the area code of an call doesn’t mean anything. Anyone with the right equipment is able to use any phone number they like, including completely fictitious ones. Most telemarketers have this equipment.

  146. Brian Says:
    May 27th, 2010 at 2:19 pm

    Whois to say that these guys are not domestic or international terrorists. Be perfect way to fund covert operations. I really cannot believe the US Government does not know exactly who these people are and condone this assault on its citizens! Probably time to write letters to different politicians to get different results..

  147. JB Says:
    May 28th, 2010 at 11:25 am

    I work at a county jail and we receive the same call day after day. Kinda funny when we are trying to make sure inmates dont kill each other or one of us and listening to Rachael at the same time.

  148. Tom Says:
    May 28th, 2010 at 11:36 am

    I just called them back and Told them they might want to inquire on lowering their own life insurance because my 2nd amendment rights and I are going to show up at their front door ( if they don’t take me off the list)

  149. Melissa Says:
    June 3rd, 2010 at 7:35 pm

    So I found this court document this sounds an awful lot like the company that has been making these calls. I have recieved over 25 phones calls in the past 3 months. The numbers I recieve them from are

    562-289-8130 (in Long Beach California)
    516-453-5645 (in New York)

    I haven’t yet finished reading this documnet but I figured I would post it for everyone to see, and perhaps thre is somthing more we can do.

  150. immapunchrachel Says:
    June 5th, 2010 at 1:27 pm

    my gosh.

    after receiving 2 calls in 3 days and many more for past 6 months i am wondering what i ever did to deserve this.

    it seems this has been going on since at least 2007 according to my google search– maybe longer.

    i can’t understand why they haven’t been shut down already!!!

  151. Rachelsucks Says:
    June 7th, 2010 at 7:10 pm

    I just received a call about 5 minutes ago and spoke with one of their representives. As soon as I mentioned the “do not call list”, she hung up on me faster than I could say hey! The call was not blocked this time like it normally is, and the number was: (516) 453 – 5645. I immediatley tried to call the number back, only to hear on the other line the audimated: “You have reached the wrong number, please try again.” The area code is apparently somewhere in New York. This kind of crap really bugs me and something needs to be done.

  152. HarryW Says:
    June 11th, 2010 at 1:09 pm

    When “Rachel” calls I press 1 to speak to a rep. After a few words of their spiel I interrupt and offer to sell them aluminum siding. I get a click pretty fast.

    Something REALLY needs to be done about this scam.

  153. John McClain Says:
    June 14th, 2010 at 4:24 pm

    I knew a guy in school that claimed that at one time he worked for one of these companies. He said he felt so bad when he’d actually get information from people, usually old ladies. He said in the end, the people would just end up owing more money than before and it’d basically just screw them over, but his company would make money off of it.

  154. Jarod Says:
    June 21st, 2010 at 5:19 pm

    Hi, my mom keeps getting calls from these scumbags everyday. Today she acted all excited when “Rachel” came on. It cut off the message without her even hanging up. She said next time I can answer the call and i’m gonna press one and say i am good friends with rachel. Maybe the rep will give me info. Idk, it just gets soooo annoying.

  155. Scott Says:
    June 21st, 2010 at 9:28 pm

    Some options:

    Get a whistle, press the button to talk to the person, then give them an earful.

    Ask them how long they’ve been doing something obscene and improbable?

    Make up bogus information, speak slowly, keep them talking as long as possible.

    Just hang up immediately. They are not dealing with you as a human being, only a blob to be exploited. Any response tells them that this is a working number and there’s someone there — and they’ll keep calling, or call more often.

  156. MakeIII Says:
    June 23rd, 2010 at 12:07 pm

    Guys, Rachel is gone, now the “from cardholder services” changed the lady’s name as Stephens.

    Some people’s cell program is double charged, I guess those card holder services bad apples are working for cell-phone company, –because whenever they call you, it charges your cell fee for one min, even you hang up right away, “she” will be able to speak for about one min each time she calls your number.

  157. Chris Says:
    June 23rd, 2010 at 2:58 pm

    We keep getting these calls. What’s the point of having a home phone anymore? I feel like the only one who calls is telemarketers? They really dont care about the do not call lists… its really bad.

    Such a pain!

  158. Nick Says:
    June 23rd, 2010 at 6:54 pm

    They just called again and now they are showing local phone numbers with real peoples names on the caller ID. It looks like a neighbor calling and it is actually those idiots

  159. CJ Says:
    June 23rd, 2010 at 11:37 pm

    Card holder services keeps calling me all the time too! How the heck did they get my cell phone number to begin with?

    I’m so tired of it and everytime I get an actual human being on the phone and ask very nicely to be put on their no call list they hang up! How freaking RUDE!!!!!!!!!!

    Here’s the phone number they used on me 1-516-453-5645 and when I push send to call them back I get a message saying that the number cannot be completed as dialed.

    Maybe next time i’ll lead them on and then say “there’s an emergency but i’m really interexted!!! What’s a number that I can call you back on?” Just to see if they give anything out?

    I don’t have any credit cards so they are wasting their time!

    Maybe we should all send an email to abc, nbc and cbs about this and let them investigate. Iff the fcc won’t helps maybe the media can’t embarass them with bad press and get this to stop!

    If we send enough email to ABC, NBC, AND CBS maybe they’ll take notice?

    I’ll check back and see what you guys think but we should fight this cause it’s obvious the no call list doesn’t work or the fcc.

    Wonder if we all have a common company that we use that’s giving out our numbers?

  160. CJ Says:
    June 23rd, 2010 at 11:39 pm

    Oh and by the way the call I got earlier was still Rachell:( and they never call my home number just my cell phone.

  161. CJ Says:
    June 24th, 2010 at 1:23 am

    On june 1 this was the number they used 202-607-2929

  162. Rick Says:
    June 30th, 2010 at 2:30 pm

    I think EVERYONE should press the number at the end of the message, “to speak to a representative” and then just set the phone down. If everyone did this they would get overwhelmed.

  163. M. Pau Says:
    July 1st, 2010 at 7:16 pm

    If you push the ‘zero’ or operator button twice on your phone, a man answers and he gets really nasty when you tell him to not call, that you are on a new call list. He really called me some foul names. I laughed cuz he obviously didn’t know that he could be caught that way. Try it.
    Hit zero twice and get prepared.

  164. CJ Says:
    July 2nd, 2010 at 2:16 pm

    This was todays phone number 520-360-2753 and today’s message was from Tiffany. UGH!

  165. Keith Says:
    July 6th, 2010 at 2:20 pm

    Everyone who gets this, call the FTC.

    1-877-FTC-HELP (1-877-382-4357)

    Choose to file a complaint, the more complaints they get, the quicker they can prosecute these jerks. Give details on their (a) faking Caller ID signals, (b) phishing behavior, (c) ignoring requests to remove your number from their call system, and (d) ignoring the Federal Do Not Call List.

    I would have you refer to the complaint I filed but the FTC guy said it is better for MULTIPLE complaints to be submitted.

    Only through our concerted action can these CRIMINALS get busted for good.

  166. Keith Says:
    July 6th, 2010 at 2:23 pm

    by the way, the guy at this number (reported above)

    Account Services,card Holder Services,mershant Service, Credit Card Services
    Phone: 866-211-1277
    2202 Curry Ford Rd
    Orlando, Florida, 32806

    says that yes, the Rachel calls are coming from them, but again, refusal and hangups when you ask to be taken off the list.

  167. Frustrated Says:
    July 10th, 2010 at 1:27 pm

    When I asked to be taken off the list, they told me it would be $495 plus tax, and then hung up on me.

  168. Sarah Says:
    July 16th, 2010 at 2:39 am

    Rachel, I hope you get herpes and that it burns like the Hell you are putting me through with your stupid phone calls! I wish you an eternity of telemarketing calls that wake you up at all hours!!!!!


  169. Babuschka Says:
    July 16th, 2010 at 1:28 pm

    I have been on the no-call list forever and still Rachel now calls me every single day (it used to be Heather). You can’t report these people because you don’t have a company name. BTW I am over 70 and I have never fallen for a scam. Keep age out of this – there are suckers at any age.

  170. Dirty mind Says:
    July 20th, 2010 at 2:53 pm

    Rachel was taken aback when I asked if she was naked.. and would she do some things for me.
    I hadn’t spoken to her in a long time. So soon she forgets.

  171. Mr. B. Says:
    August 13th, 2010 at 3:43 pm

    If these scumbags won’t stop harassing you, at least make them pay for it with every call. Since they are breaking federal law by running this scam, don’t worry about being sued or charged if you cuss them out or blast out thier eardrums with an air horn. After all, If you beat the crap out of some thug who’s trying to rob you, the punk hardly has the option of calling the cops! They won’t think the job is so fun if we make it more trouble than it’s worth.

  172. Rachel is probably not from US Says:
    September 1st, 2010 at 11:10 am

    “Rachel” has been pestering me. Once I pressed “1” and spoke with someone who asked about my credit card debt. As soon as I started inquiring for details about his business, he hung up.

    Why hasn’t this garbage been simply shut down?

    I know e-mail spam has been hard to stop (despite being literally a drain on the whole economy) because computer programmers can pull all manner of sleazy tricks to avoid being caught and traced. But these evil jerks are using old fashioned telephones!

    I suspect they are using old fashioned telephones (1) as an endpoint to slick electronic technology, and (2) while being based in a foreign country (despite the Florida phone number and supposed Florida address) — and both are making them harder to catch.

    A special pit in hell is reserved for these people….

    Re comment #171 from Mr. B., I suspect they don’t originate in the U.S., and U.S. federal law can’t very easily reach them.

    It’s definitely a good idea to report any of these calls — you can do so easily on

  173. Matt Says:
    September 2nd, 2010 at 10:48 am

    Provided post # 166 is accurate…google map the address. This address is located next to an adult store and a belly dance lounge. Seems rather fitting for this type of operation…

  174. Cheryl Says:
    September 10th, 2010 at 3:50 pm

    I have reported these people to the FCC and so have hundreds of others. So why isn’t the FCC doing anything to stop them?

  175. Jerry Says:
    September 15th, 2010 at 12:35 pm

    I hate rachel – she should go sit on a spike. I pressed 1 to get a rep who, after I did not buy his speach, called me a mother f _ _ _ er. There is no way to get rid of these A Holes. Just press 1 and try to keep them on the line as long as possible then refuse to buy. THEY HATE THAT!

  176. Bratty Says:
    September 15th, 2010 at 2:29 pm

    I recieve these calls every day sometimes 2 or 3 times a day.When I push 2 to not call back they do anyhow now they just call with a blocked number instead of a cell phone that can not recieve incomming calls.When I push 9 to talk to a rep and I politely ask to take me off the list or talk to a supervisor and not hang up on me they say I will get him/her please hold then hang up on me anyhow.There has got to be some way to stop this.I am going to contact my local congressman today and find out what I can do.I have also Told them I dont have credit cards and if I did there is no way on this earth I would allow idiots like that to handle my debt.Thanks any how.Some how this has got to be stopped.

  177. Pilar Says:
    September 16th, 2010 at 2:56 pm

    It’s an election year. We should be able to call our congressmen and get some action. Do you think?

  178. Farmer Says:
    September 23rd, 2010 at 6:05 pm

    I just got one of these calls tonight, they hang up on me every time. I filed a complaint with the FCC, but don’t see that doing much. I read one of these where someone is keeping a loud whistle at their desk, that may be an option here. My husband is sick and is home all the time, he would love blowing a whistle at “Rachel”. If anyone finds a way to stop these people please share.

  179. denny Says:
    September 24th, 2010 at 12:22 pm

    Their real phone number is: 954-426-2642, which is registered to PHL International at 836 S Military Trail, Deerfield Beach FL – head honcho is Mark Burton (little jewish guy who is never at the call center). Their parent company is American Debt Negotiators (866-969-4236), owned by Ran David Barnea, supposed home address is 21955 Cypress Dr, Apt 48f, Boca Raton, FL. They use several spoof names such as “Cardholder Services.” I’ve received scam calls about car warranties from them too.

  180. Kitty Says:
    September 28th, 2010 at 2:54 pm

    I have been getting these calls almost every day for 2 years. They’ve since taken the “Press 2″ option out. Not that it ever did any good. Like you, the representative hangs up on me the moment I say I want to be taken off of the call list. And the scammy company has it so the caller ID shows a different company name every time they call. But never a phone number. I’m getting really tired of this. It’s down right harassment. This is illegal! Did they ever stop calling you?

  181. Dave Lakewood Says:
    October 5th, 2010 at 4:30 pm

    Boy I hope this isn’t another scam deal. I received these calls for a couple of years. Once I asked to speak to a “supervisor” and some guy comes on the phone and starts making smart alec comments. I got hot and asked to speak to his supervisor at which time he began making sexually overt comments until I hung up. Didn’t receive calls again for a year or two and then last month they started up again. Now they come from a number listed as “love our pets”. I hung up but then called the number on my caller ID. A recording said they were exempt to the no call list and referred me to some “stop aging” web site. I file a complaint with the “Do Not Call” website. We’ll see where that goes.

  182. Furl Hawkens Says:
    October 13th, 2010 at 5:57 pm

    Just had them call today. Same story as all the others.

    I have an idea. They want to waste our time, lets waste theirs. Give them false info and shit, lead them on for awhile, then do something to piss them off.

    Cuss them out, prank them, blow whistles and air horns in the phone. Just make sure you waste some of their time and have fun doing it.

    Remember, they have no respect for you, and you should not respect them. They are cons.

    Every 5 minutes of their time you waste is 5 minutes less time that they could be trying to steal someone elses money. You might just save someone from identity theft without knowing you did it.

  183. Zeddicus Says:
    October 13th, 2010 at 8:10 pm

    Whoo boy, did I ever have a fun day with these people. The first call came in from a woman by the name of Tiffany. After announcing she was with Card Holder Services, and that my car warranty is about to expire, I began to assault her ears with the nastiest, dirtiest comments I could think of.

    To which she immediately hung up. Not even five minutes later, a call from some dude name Brandon comes in, of course he’s with Card Holder Services. He proceeds to insult me for making such lewd comments, when I crank the volume up on my speakers, and blast his ears with some Slayer.

    Haven’t been called back since. :)

  184. Emjay Says:
    October 16th, 2010 at 1:31 pm

    Rachel and the robocalls are still alive and well. I’m still receiving them and just received one today. It is not a scam and Caller ID does not help because they spoof their ID and it comes up a local number that I then answer. I can not seem to get a live person who will take my number off their list. grrrrr

  185. Carol Says:
    October 21st, 2010 at 4:07 pm

    As I understand, to talk to one of their reps will only cause them to call you more often. I’ve tried raging at them and all they do is hang up, if I ask for their supervisor, they hang up. If I ask for a phone number or address, they hang up. They just called today and I just laid the phone down and waited until their spiel was done, then I hung up the phone.
    I like the idea of hitting the pound key, I think I’ll try it the next time.
    I will never again hit #1 to speak to their representative, that will only encourage them to call back.
    I also like the idea of blowing a whistle at them but there again, you have to hit #1 to connect.
    I wish the Feds would catch up with these people and stop them once and for all.

  186. CC Says:
    October 21st, 2010 at 5:33 pm

    Hello all,

    Just got yet another call from this company. Two weeks ago she was Rachael, but today she was Tiffany. Spoke to a fairly new rep today that let slip he was in Orlando. Same as others, I acted interested in order to fish for info and during call they gave me 2 “customer service” numbers which both turned out to be fake, as did the caller ID info.

    What worries me, and what I haven’t seen anyone else mention, is that in order to “lower your credit card interest rates” the last “qualifying” info they ask for is your actual card # and the cust service # off the back of the card. They say they will put you on hold to verify your balance and last payment, and continue to reassure you that there is no risk. Yet what they are doing is accessing the automated system of the card as if they were you! They can do everything with that access including change the billing address, request a new card, change the pin, etc. Is this what they’ve said to others, or is this a new tactic? This would be fraud and possibly theft, not just breaking telemarketing laws.

    As to the laws that govern telemarketers, did you know that you can sue telemarketers in small claims court yourself? That’s why these guys are so careful about giving any real info! By law they get one free “oops” call after the first time you ask to be removed, but every one after that is a violation. As is not giving the name of the speaker, company name, or option to be removed from call list on all prerecorded “robo” calls. And if you ask them to send you a written copy of their Do-Not-Call procedures and they fail to do so. (Most of them never do, even the more legit ones). Each violation is $500, and if you have enough violations documented you can go all the way up to the small claims limit. The judge also has the ability to double or triple it beyond that, which is common when they are abusive and blatant about flouting the law. Remember judges are people too, and they hate these scumbags just as much as we do!

    Sadly, the only way to file is to have the company info, including a corporate address where they can be served. I know that won’t be of much use with Rachael, because they are just too slippery to pin down. But I’ve successfully used it with other companies, so it’s still good info to have. Good luck!

  187. John Poltrack Says:
    October 25th, 2010 at 2:07 pm

    Yes, most annoying and the fact that if you google “Hi this is Rachel from cardholder services” you find that you are not alone. I ALWAYS punch 9 to get a person and string them along as long as possible. This morning I treated them to the music I was listening to and kept saying “Just a minute”. I got to 5 minutes. I can’t find my whistle or air horn. That works also.It is a scam but not part of the Do Not Call thing.

  188. Dan Francis Says:
    October 26th, 2010 at 5:54 pm

    Quickly press the asterik twice and then the pound sign twice, that makes her disappear.

  189. Anonymous Says:
    October 29th, 2010 at 11:46 am

    One of these dipshits was dumb enough to call me back after I 3500hz Rickrolled it.

    Her number is 301-455-8592.

  190. Anon Says:
    November 3rd, 2010 at 2:21 pm

    They have a new tactic now. They choose someone’s phone number that is similar to yours (area code and first three digits are the same) and the name of the people who legitimately own that number, and that’s what shows up on the caller ID.

    Of course you think it’s a neighbor so you answer. Then you get the same recording as is showing in the post at the top of this thread. “Hello, this is Rachel…”

    We called the number back and got the real owner of the phone, who does live near us, and she called various people, including her phone company. The gist of it is that the phone company (Cox) refuses to even talk with her about fixing the problem. They say it costs to much to run this stuff down. But I believe she was told to contact Consumer Fraud (I have no idea who that is.) if it continues. Cox said it often turns out to be from outside the country, as well. Of course, the Rachel recording is an American voice.

    So, now the degenerates not only are scamming us when they call us, they’re abusing innocent others by placing THEIR name and numbers on the Caller IDs of the people they call.

    Do we really believe our government CAN’T do something about this kind of thing happening?

    At any rate they will go on the Answering Machine from now on.

  191. Rosie Says:
    November 10th, 2010 at 2:22 am

    Today, once again I got this same call from Rachel in Card Services. I normally don’t answer the call from an unknown number, but today the caller id screen read, “Boscov’s Optical 264-7014.” Boscov’s is a department store close to me and I knew I never did any business with their optical department, so I answered it to find out why they were calling me. This Rachel group is a really shady group. They are apparently phone hackers as well as some sort of credit card scammers. I would never give them any information about me or my credit card. I will be calling my phone company tomorrow to see why the caller id was showing incorrectly to see what they have to say about what is going on.

  192. Cindy-- Says:
    November 22nd, 2010 at 1:26 pm

    Sick of these calls, and the number that rings is a number closely related to my own, only a couple of #’s different. I get this call on my home and business phones, both in my home.

    Is there anyone we can call to complain? It’s a scam, straight up, and if you talk to a person, they are very abusive when you tell them you know they are scammers.

    When is something going to happen to these awful people!!!!!!

  193. Richard Says:
    November 30th, 2010 at 5:29 pm

    Please… notify your state’s Attorney-General if you’re being harrassed by these people.

    Whining on the web will not stop them.

  194. Marvin Says:
    December 2nd, 2010 at 3:49 pm

    Hey, folks, I received a call today, (about the 100th) time in the past year or more, from Rachel. I read several comments concerning this illegal scam. I have experienced the same abusive language, name calling (faggot) and hang-ups when you start to question or complain. The lady today hung up after I started to tell her to take me of the phone list. He name was Carolyn.
    I have called and spoke with our AG in Kansas and they claim there’s nothing they can do. Can’t track them down or trace the numbers. The U.S. Marshall’s office couldn’t do anything either since a crime hadn’t been commited. They have used personal phone numbers close to mine, outside the state numbers from CA.FL,etc. They call all times of the day and weekends too. I even started to play along and give them a phony card number to keep the gal busy chasing down a phone number to call and verify the card number. Finally I hung up. I just want to send a SMART BOMB their way….

  195. Matt Says:
    December 7th, 2010 at 3:33 pm

    Cardholder Services is PHL International Inc., located at:

    836 South Military Trail
    Deerfield Beach, FL

    Their registered phone number is: 954 426 2642
    (No answer so far)

    Have the number they called from for the FCC.

  196. Ed Says:
    December 8th, 2010 at 11:55 am

    Hundreds and hundreds of these calls. It’s amazing after 3 or more years that no one can trace this outfit. The weird thing i have noticed is that many times the number that comes up on caller id has the name of local businesses or even churches. So like a idiot we pick up….and there is Rachel again. From now on if I have the time, I am going to feed them stupid information and waste their time too!

  197. MARION SMITH Says:
    December 8th, 2010 at 4:00 pm


  198. Frank Says:
    December 10th, 2010 at 3:57 pm

    They have been calling my home phone and business lines for a couple of years now. I finally stayed on the line, pushed #1 and talked to a real person.
    I politely asked to be taken off the list and she gave me a number to call…It was another homeowner who is being harassed as well. Just another guy. We talked for about ten minutes; real good guy.

    I am going to complain to our Attorney General just to get it on the record.

    How about getting one of those air horns that boats have. They can’t cost more than $10 or so.
    When the real person gets on the line, let them have it. I would suggest wearing ear protection when you do it.

  199. Mary Says:
    December 20th, 2010 at 5:50 pm

    I got a number to call back from one of the callers today: 877-342-4260. I have called them several times to see if they wanted to lower THEIR interest rates, but no luck. Imagine that? Feel free to call them.

  200. John Says:
    December 21st, 2010 at 1:13 pm

    Here’s what you do. Go through to an agent. When they start asking stuff, say “Oh, I think you want to talk to my father. Hold on, I’ll get him.(Aside, loudly) Daaad, telephone!” Put phone down and go on with prior activity. After 3-4 mins, Say loudly in room “Telephone!” like Dad didn’t hear you before. then after 1-2 mins pick up phone and say “You still there”. If they are, says “He’s coming”. Then put phone down. Leave it there until you hear the beeep beeep of a disconnect.

    This stresses out the agents, because their bosses think they are shamming. And it wastes the agent’s time and nerves with false hope. I know: I was once a telemarketer.

  201. Buck Says:
    December 22nd, 2010 at 12:33 pm

    So this scam has been going on for AT LEAST TWO YEARS – I’ve filed several complaints with the FTC and I am sure many others have. So why haven’t those buereacrats done someting about Rachael ???? I think the should start with the head of the organization and work down the ladder, firing one ever day untill the FTC does something about this blatent violation of the law, and mass harrassment of the American Fublic !!!

  202. Mark Keith Says:
    December 28th, 2010 at 1:40 pm

    Credit card Companies are financial institutions and as a financial institution they “DO NOT” call you with offers over the telephone. They will mail you an offer. I fail to understand why our FCC and other law enforcement agencies don’t arrest these criminals. I know if I were to steal a slice of bread they’d probably come after me with a SWAT team. But, these crooks are allowed to perpetrate this crime and have been for quite some time. I’m beginning to think it’s a scam that is run by the government.

  203. Richard Says:
    December 28th, 2010 at 3:09 pm


    I once blew my umpire’s whistle at them down the phone. It stopped the calls for about a week, that’s all.


    Please, please notify your state’s AG… and if they say there’s nothing they can do, notify your representatives in Congress. They’ll only act if the number of complaints becomes too great to ignore.

  204. Donna Says:
    January 4th, 2011 at 2:41 pm

    Have pressed 1 and talked to a person, telling them I am on the No Call list, and please remove me, and get hung up on every time. Once got an 800 number called it back and they said that they weren’t the ones that called, but the party was hacking into their line. They were very nice.

  205. Matt Says:
    January 11th, 2011 at 3:37 pm

    i get calls from these people three times everyday,i dont have caller id.
    one day i did talk to a rep she said she take me off the list but i was wrong. now i get more calls than ever, i dont know how they even got my number.

  206. Betty Says:
    January 26th, 2011 at 7:13 pm

    I get these same calls from this “Rachael too!! I have been told to notify my Attorney General’s Office in my State . I have looked up the numbers on the Internet (on Reverse lookup on white pages etc.) and there have been 3 or 4 different ones on my caller ID and some are in W.VA. and some in Calif. and others in Washington State! Some of the same numbers have 2 different addresses. And none of them are named Rachael! Yeah this is a Scam , and I am not giving any information to any of them , but I am also going to report it to my local Bank!

  207. JSW Says:
    January 27th, 2011 at 3:40 pm

    These clowns still are doing it after all these years. No one has been able to shut them down. I have been getting calls now from a spoofed number (they use on that is exactly the same as mine except is 4 digits off) and then use either my city or that same number as the caller ID name. I knew it was shady from when I first answered but I wanted to have a few minutes of fun. I love when I asked what bank she was representing and the moron said she worked for “Any Visa or Mastercard.”

    The next one I got was the recording. It’s okay though – everyone gets theirs in the end.

  208. Regan Says:
    January 28th, 2011 at 5:19 pm

    I’ve been recieving calls from Rachel for several years. I just always hang up. Well….today she called me FROM A LOCAL NUMBER!!!! It’s always been an 800 number or something. Today’s call even showed a man’s name. How is this possible???

  209. Staci Says:
    February 1st, 2011 at 3:51 pm

    Just got a call from her today, I pressed 9 and was transferred to a live operator, a man with an obvious Indian accent answered the line, when I asked to be removed from the list, he asked me to be put on hold and don’t hang up. it took 2 minutes before he hung up on me.

    She calls every week, I am so buying a whistle.

  210. Josh Says:
    February 7th, 2011 at 1:59 pm

    I plan on trying all of these ideas. They’ve been calling me since 2009. I’m done being frustrated. I’m going to have as much fun messing with these people as I possibly can. I also made a page on Facebook in which everyone can share stories and ideas of how to prank these scammers. It is:!/pages/Cardholder-Services-oh-how-we-loathe-you/199324923417215


  211. DeeDee Says:
    February 24th, 2011 at 1:37 pm

    I’ve been getting these calls also. Got one this morning from 419-910-1903. It’s not a valid number.

    I’ve read all of these comments and have tried all of the above, including contacting the FCC twice. However, I agree, that if you press one of the numbers, they will know that they have a valid number. A light bulb just clicked on above my head:

    I’m going to try this: My voice is on my answering machine. Instead of a recorded “thank you for calling, we’ll get back with you”, I’m going to record a fax machine. Somewhere on the internet there must be an internet dial-up sound bite. I’ll record it and play it back for my answering machine. That way, whoever calls, will think they have reached a fax machine.

    Clever, huh?

  212. Dexter Morgan Says:
    March 4th, 2011 at 1:07 pm

    i played along, gave a ton of bullshit yet sincere answers and i was tranfered by the robo calling company (heather at Cardholder Services) to

    Premiere Debt Solutions
    (407) 219-5960
    4207 Vineland Rd, #M14, Orlando, FL 32811
    Cross Streets: Between Sindelar Way and 34th St SW

    Neighborhood: Florida Center North Orlando, FL

  213. m. k. Says:
    March 9th, 2011 at 8:05 pm

    i have been getting these calls for over a year… used to press 2 to be removed, then pressed 9 to talk to someone to get removed… then i started screwing with them. every time, i waste 10 minutes+, then curse them out.

    today, after such a call, the telemarketer started telling other people who asked to be removed from their call list to CALL MY HOME NUMBER. on top of this, the telemarketer kept calling back, and i kept cursing him out.

    my wife answered once, and after being asked if it was a telemarketing call, the telemarketer responded “this is personal business”, when asked for a name and a number the telemarketer began yelling about what i said about their mother and how they were mad…. my wife, knowing nothing about this, politely informed him the call was over and no further calls were welcomed.

    i have so far received about 20 calls from other pissed off people trying to make the madness stop…. i chatted with all of them.

  214. Carla Says:
    March 21st, 2011 at 11:08 am

    I have received many of these calls. I decided enough was enough and I filed a complaint with the FCC 1-888-225-5322. This worked for a time being but as of last week, I started to get them again! I called back the FCC and they said what they are doing is illegal and a fraud. They are using Computers to dial these numbers, which if you try to call back are not valid. She said they are looking for susceptible people to give them personal info such as SS numbers and then they clean you out financially! Her suggestion to me was to call Federal Trade Commission at 1-877-382-4357 and file a complaint with them. She also suggested that I call the Supervisor of my phone Company and file a phone harassment complaint. She said they can trace the calls and find out their ISP number and hopefully shut them down once and for all! These people are Fraudulent and need to be stopped!!

  215. CCooley Says:
    March 22nd, 2011 at 10:46 am

    I have been receiving calls from “Rachel” since May 27, 2008. Since then, I get a call at least every couple of months and lately, it has been every couple of weeks.
    Please, Complain with Do Not Call, for the more complaints the better, but don’t expect any action. As for now, Credit Card agencies are exempt from Do Not Call and Cardholder Services is a real company based in Florida that does offer credit cards for you to roll all your other cards onto theirs. What they are in violation of is that they still call numbers after they have been personally told to stop calling. Back in Sept 2010, the federal court placed huge fines on many of these robo-calling groups, but Cardholder Services was not included because they offer lines of credit. Keep sending in complaints that they still call after you have asked them not to. Write your State and U.S. representatives on the matter – they are the ones who enact the laws – and tell them that you want better protection from companies such as this one. When you file any complaint, tell them that when you spoke with the person from Cardholder Services after you pressed 1, 2, 9 or whatever the number may be, and told them to add you to their Do Not Call list – which by law they must maintain one – that the person you were speaking to began to verbally assult you with threats of violence. Do this even if no such thing happened because many, many people have received such threats and such abuse cannot be tolerated. Aside from this, good luck, for you will need it.

  216. Elain Says:
    March 22nd, 2011 at 2:10 pm

    Rachel called today, she has a new number in Nevada 702-232-5103

    I too tried to block her, I have asked to be reomved from the lists, they laugh and tell me it cannot be done. I notified my phone company and reported her to FCC. They call my home phone, my work number and now have even started calling on my MagicJack phone on computer. ITS SPAM SCAm and we are all fed up with it.
    Since they will not remove me, I have come to have fun with the calls. “Hi having a good day? Well my dogs sick and needs your help. VAn I have your home phone number so I can call you back?” They hang up. Tell them the Credit card info is in another room adn then put the phone down and make them wait, some will hold forever in hopes you have info…Amazing. Ask the lady why her underware is showing, you can see her on your video phone. She stops and will actuallthink about it, then just hangs up. We can have fun too!
    Report them whenever you can. There are many sites to take info..Good Luck decent people.

  217. Elain Says:
    March 22nd, 2011 at 2:24 pm

    Everyone who gets this, call the FTC.

    1-877-FTC-HELP (1-877-382-4357)

    Choose to file a complaint, the more complaints they get, the quicker they can prosecute these jerks. Give details on their (a) faking Caller ID signals, (b) phishing behavior, (c) ignoring requests to remove your number from their call system, and (d) ignoring the Federal Do Not Call List.

    Try google mapping an address if one is given when you look up the phone number…Turn the location into the FCC, maybe they can shut down the site there.?

  218. Elaine Says:
    April 13th, 2011 at 9:59 am

    We’ve been having problems with Cardholder Services or at least a year. And the caller ID posts our neighbor’s telephone unlisted number when Cardholder Services calls. I tired to talk to a supervisor and get us removed from the list and they were very rude, hung up, and called up about 10 times that day. Our neighbor has never heard of them but is disturbed that for a year his phone number is being used by them and appears on our caller ID. I notified the OH Attorney General’s office via on-line complaint yesterday. I’d recommend everyone else notify their state attorney general’s office. By the way, we are also on the National Do Not Call List.

  219. Rita Says:
    April 18th, 2011 at 4:46 pm

    ID says: Betty and Lloyd C

  220. Rita Says:
    April 18th, 2011 at 4:47 pm

    caller ID”identifies them as :
    Betty and Lloyd C

  221. dwayne Says:
    April 18th, 2011 at 4:56 pm

    I’m going to try to give them fake info and have them call me back at the number for my local police station. We will see if that gets some attention. Maybe even use the name of one of the officers there… I bet that will piss some boys in blue off enough to do something! HEHE

  222. Kas Says:
    April 20th, 2011 at 8:31 am

    I get these calls on my home phone, my cell phone and my parents get them on their cell phones too.
    One day I did get ahold of a live person and asked which credit card they were calling about. They said the Discover and I went ‘oh? I don’t have that one anymore’ and they asked if anyone in the house did, ‘nope’. They said they’d take me off the list. I did get a call yesterday but that was the first one in about 3 weeks.
    So if you get super lucky and don’t get a rude jerk who hands up, just go along with it without giving out information. It can at least reduce the calls.

    I have tried nicely asking to be taken off the list, yelling at them, cussing at them, all with the same ‘click—silence’ response. Playing along with them seems to work, not completely.

    Oh and I’ve noticed the number changes, it’s probably people’s personal number. My home phone would get calls from all over the country asking ‘Why did you call me?’ Come to find out, a scammer was using our number to cover his tracks. *knock on wood* those have stopped.

  223. KW Says:
    April 21st, 2011 at 5:09 pm

    Won’t work. It is a machine that calls you. It is not an expensive machine that calls you—it can’t detect anything except a connexion. “Rachel” will probably begin talking anyway.
    Criminals do not access the Do Not Call list. Much like, burglars don’t care if they don’t have a key.

    I have been getting calls from “Rachel” since summer of 2007. The Rachel Game must make some money or they would have stopped by now. Also, the current Rachel may not actually have anything to do with the original Rachel.

    Spoofing a telephone number is allowed in the US because police sometimes need to use it. Best example I know of is when an abused spouse or the police who are helping them needs to contact the home for some reason. The originating number needs to be disguised. Spoofing using a telephone that is connected to a computer can also change your voice. Pressing 1 or 9 (or whatever it may be) for live person actually routes your call to another location entirely. You might even wake them up, wherever they are (I know I have on occasion).

  224. Kenny Says:
    April 25th, 2011 at 1:02 pm

    Ok, after researching this topic for a while I have finally been able to find some companies that use these robodialers. I have contacted all and asked to have my number removed from their system. None have denied using the robodialer and the first actually admitted they were users of the system.

    Premiere Debt Solutions
    4207 Vineland Rd., Suite M14 Orlando, FL 32811
    Telephone: +1 866-387-4705
    FAX: +1 407-219-5975

    Unknown Company

    American Debt Negotiators

  225. Nancy Says:
    April 25th, 2011 at 4:26 pm

    Last year I pushed to talk to an operator. I told them to remove my name from their list. they still called me. When I tried pushing for a real person, it wouldn’t let me. I went away during the winter. When we came back, the calls started again. I have a Do Not Call in affect. How do they get away with calling me?
    Is there nothing we can do about it?

  226. mike p Says:
    April 27th, 2011 at 2:11 pm

    I agree with entry 217 above.

    Call the Federal Trade Commission. I just did, and they said they’d gotten complaints about Cardholder Services.

    Call 1-877-FTC-HELP (1-877-382-4357)

    Choose to file a complaint, the more complaints they get, the quicker they can prosecute these jerks. Give details on their (a) faking Caller ID signals, (b) phishing behavior, (c) ignoring requests to remove your number from their call system, and (d) ignoring the Federal Do Not Call List.

  227. Steven Says:
    April 27th, 2011 at 2:44 pm

    card holder services is a subsidiary of Chase.

  228. NB Says:
    April 29th, 2011 at 9:11 pm

    getting the scammers number is almost meaningless. We have to attack the agencies. Read on…

    You can’t attack the scammers because they are legion and anon.

    A thousand disconnected scamming teams with an autodialer, a phone list, and a few sub-minimum wage reps make/take the calls. When they find a mark, they send the info to an agency, and get a kickback.

    They sell their marks to legit agencies who then pay commissions, annuities, finders fees etc, to reps and web sites etc for providing credit card consolidation referrals.

    My guess is that agencies know referrals are coming from scammers, but hide behind fact that it isn’t them who are making or contracting the calls. They will tell you that the referrals they pay for come from legit selling activities though that can’t be true.

    Without divulging confidential info, we need to identify the agency who the scammers refer marks to. (I’m sure there are many). Then with help from lawyers, inform that agency that they are indirectly profiting from illegal sales techniques cc: the FCC.

    It would also be cool to try a honeypot on the agencies? Tell them you can generate 100 referrals a week (“shhh, by phone”), would they be interested? Record their response and try and use that to bring them down.

    I for one would contribute money to a sincere private investigator or law firm willing to try.

  229. MARLENE Says:
    May 1st, 2011 at 10:40 am


  230. miriam Says:
    May 4th, 2011 at 11:39 am

    Been getting the Cardholder Rachel calls now for quite a while, made mistake of once punching some number to be taken off the list, so now they know ours is a working #.

    Blocked their number for a while, but they keep changing it. Recently it comes up a spoofed as a neighbor’s number, a person we actually know, and it’s even come up spoofed as OUR OWN number.

    Question: Does blowing an airhorn or whistle into the phone once you get a live person on the other end, work, to eliminate or reduce these calls? Why couldn’t they have just invested in automatic volume-dampening machinery like broadcasters have?

  231. Bob Says:
    May 10th, 2011 at 1:18 pm

    I keep getting these phone calls and I too have no credit card debt. They always call me in the afternoons and evenings..I get them from CAI as well. Never heard of either one of them.. I am supposed to be on the NO CALL list…Why am I still getting these?

  232. JIM LAWSON Says:
    May 11th, 2011 at 2:03 pm

    I get the same calls constantly. Today I spoke with “Katherine Rogers”. She said she was in Orlando, Florida at 888-577-7963, extension 301. Hope people in Florida will start reporting this scammer to the Florida Attorney General’s office. I’m going to do that from Michigan, but I think it has more weight when a lot of complaints come in from the state that the scammer is working out of.

  233. Advice Says:
    May 12th, 2011 at 3:31 pm

    It appears that the way this operation works is quite ironclad:

    1. The way they find your number is most probably by accident – using a random automated dialer.

    2. The way they get away with it (robodialers are illegal in the US) is they call from another country.

    3. The way they make it impossible for you to identify the original call is by spoofing the caller ID (sad, but possible). If you press the key in the prompt, then you get connected to a real person; judging by accents, some are American, some are not. Those people are hard to trace and identify. They might also be using a legal loophole since they didn’t actually call you: the robodialer did and when you hit a key on your phone, maybe (just maybe) you implicitly consented to the communication.

    If that is the arrangement, there is not much you can do. Certainly, if the FCC receives a very high number of complaints, they might ramp up their efforts in running down those operations. But they might need some extra motivation and help by new, stronger laws, so talking to your representatives would help, too.

    In meant time there are some technical means to protect yourself from this pest. Unfortunately, your phone company has no incentive to help you (after all, they are in the business of creating more communication traffic, not less). Fortunately, there is one company that is offering a service that can help and that is Google. I have a “Google Voice” service (free) and that is (among others) a local phone number that I give out in cases where I don’t want to use my true phone number. The way it works is when you call that number (and I’m sure “Rachel” has called it many times) it asks you to say your name and press a number. If you don’t, I never hear about it. If you do, then I get a call from Google telling me that “yourname” has called and that if I wanted to accept the call, I should press a number. Nice and easy, unobstructive to legitimate callers but guaranteed to filter out all telemarketers.

    You phone company could help but why would they: they’d rather make you pay for things like caller ID, an unlisted number, or services similar to the one Google Voice offers for free. Such a shame, people are becoming more and more greedy.

  234. Seth Says:
    May 13th, 2011 at 11:34 am

    wonder if id get in trouble for blaring and air horn into the phone?

  235. Heather Says:
    May 18th, 2011 at 1:00 pm

    I stayed on the line and to let them know that they had the wrong number because I’ve done this before and they said ok we’ll put you on do not call list. Well this time the guy on the phone who couldn’t speak a lick of English, started saying something. I said you have the wrong number I just wanted to let you know that. He “yawned” into the phone and I said can you put us on the do not call list or are you just going to yawn?! Then he laughed and called me a moron and I asked why did you call me a moron. He just kept laughing and said you are a moron. I asked to speak to a supervisor, he put some girl on the phone and I said your guy just called me a moron. She pretended to act shocked and then laughed too and started saying well because you are a moron and you’re a stupid b****, your dumb, you f***ing moron. I hung up. I don’t know how to react and who do I even contact about this happening. This is complete BULLS***. I’m shaking mad right now.

  236. The Jay Man Says:
    May 18th, 2011 at 2:48 pm

    Very sad that 3 or 4 years later, these people are still operating the same scam. They call me daily on my cell phone. Sometimes they call twice in one day – even using local spoofed numbers to get me to answer. Have filed numerous complaints but they seem to be falling on deaf ears and blind eyes. I’m sure thousands have already fallen victim to these people and we’re getting no help. Our government is apparently completely incompetent.

  237. Tina Says:
    May 18th, 2011 at 3:06 pm

    Have reported and reported for years….NADA. Tried being polite….NADA. Tried the rouse….NADA. But don’t worry folks, since our GDP is dropping and we will soon have nothing left to scam, they will likely stop here and start some place where people still have real money that is worth something, oh and a job. Maybe…Germany? They know the Chinese are too smart and Japan had bigger problems. The rest of Europe is sunk, so Rachel is really a nice jewish girl that may give them just a little grief. Won’t make up for the “H” word, but it helps.

  238. Jaminexted Says:
    May 19th, 2011 at 2:59 pm

    I was getting two calls a day. forever…tried several things…this is what worked….whatever number they prompt to speak with a rep… press it… Then lay the phone down and walk away….Didn’t get another call for a week, Then I repeated the action…. have not gotten another in the last 3 months…Its worth a try

  239. Jaminexted Says:
    May 19th, 2011 at 3:13 pm

    If my previous post doesn’t work for you… Google “the number you have reached is no longer in service”. Sites have the recording plus the tone that should trigger the autodialer to stop calling your number. Good luck

  240. OttovonFlea Says:
    May 23rd, 2011 at 11:49 am

    I have fun with them. Tie them up on the line by asking inane questions and steer the discussion away from their scam. For example, today the person asked me how I was doing. I said that my foot recently been amputated(it wasn’t) but felt like it was still there. The conversation went from there to various other topics. 10 minutes later he said he had to go. I told him to call back anytime and we could talk about prostate.

  241. Kimberly Says:
    May 24th, 2011 at 1:35 pm

    I cant believe the list of complaints this company has! This has been going on for years! Why are they still in business! I get calls every other day from this company at our business. Is someone out there that can help us fight back and allow our phone lines to be open to “REAL” business! Hopefully the calling company will go bankrupt or get a lawsuit against them so they can be taken down! Good Luck Rachel at Cardholder services.

  242. Jon Says:
    May 24th, 2011 at 3:41 pm

    By the way the PA AG’s office says these calls are usually coming from untraceable cell phones and there’s little or nothing that can be done to stop them.

  243. Aris Says:
    May 25th, 2011 at 1:08 pm

    Today I chewed one of the sales associates out and he made fun of me when I called out the scam!! I asked him several times to take us off the list because we are on the no call list, he said he would, but I doubt it will happen. These people suck.

  244. Phil Says:
    May 25th, 2011 at 1:59 pm

    Amazing how they operate. I’ve been getting these calls for awhile now with all the obscene cuss outs, hangups, and threats. Lately it has been 2 or 3 a day everyday. Today I played along and was given a number and told my bank or any bank that issued visas would vouch for them. Two banks said they are trying to investigate but because of the fake caller ids it was not possible. The number they gave me insisted they were legitimate and they had had thousands of complaints but because of the fake id they had not accomplished anything. Ohio AG says they are helpless because of the technology to fake the ids. Perhaps someone should develop some device to see through the cloaking of ids and go to the source.

  245. holly Says:
    August 3rd, 2011 at 12:58 pm

    I am sooo tired of these calls…I JUST got off the phone…pressing the key to speak to a rep…thought i’d act interrested and ask if i could call back because i had to take care of my child, so i asked for his contact info and he got really rude and called me a liar…he said he knew i was not interested and i should not lie!!!!!!!!!!!!!!!!!!!!! UUUGGGGHHHH! Who are these people!!!!!!!!!!!!!!!!1

  246. Bill Says:
    September 2nd, 2011 at 8:47 am

    They are probably criminals. They called today, and their representative asked for my credit card’s expiration date. I gave him one (and made sure it was not the one that actually went with my credit card). Then he asked for my credit card NUMBER. This is the first time this has happened (the last time they asked for the bank’s 800 customer service number) and it is outright evidence of criminal intent.

    In any event, I told him I did not have the card with me, and I would have to go get it. I kept him waiting a good 5 minutes, and he finally asked, “Are you sure you are looking for the card?” I replied that I hadn’t been looking for it at all, and I was on the Do Not Call List. He said angrily, “I bet you think that’s funny, don’t you?” I said I thought it was funny as hell and that, if he didn’t like it, his organization should never call my number again. I think he hung up before the last part but he was obviously mad while I was not upset at all, so he got stressed and I didn’t. Keeping somebody on hold while you read the paper, work on the computer, or whatever is probably the rudest and most disrespectful thing you can do–worse than cursing them out (they just hang up) or telling them not to call you again (they just hang up).

  247. Bill Says:
    September 7th, 2011 at 7:33 pm

    I find it’s funny to give them a) too many digits for the credit card number and b) keep them waiting and c) eventually you may be put on hold to verify your “number”. Once this happens, when they come back on, say “yes officer, this is the line I want traced”. They’ll hang up pretty quickly.

  248. nick Says:
    September 8th, 2011 at 3:31 pm

    im on the no call list, so everytime they call, which they just did about 2 minutes ago and 2 days ago. i report them to the no call list website. i was able to squeeze out the company name from the rep 2 weeks ago. just cant remember it right now.

  249. Bernie Says:
    September 12th, 2011 at 4:37 pm

    you can go to the FCC’s website and register a complaint, which will get more action than the BBB or FTC can.

    The FCC regulates all types of communication methods including the telephone.

    The more people who complain to them the bigger the fine gets.

  250. pat Says:
    October 5th, 2011 at 8:02 am

    I am getting these calls to and when i get the operator and complain she slams the phone so now i am contacting our Ohio attorney general and let them know of this site and many complaints!

  251. Kris Says:
    October 13th, 2011 at 12:49 pm

    Technology can be a curse as well as a blessing. A couple of ideas: 1) a dose of the lovely sound of an airhorn. Maybe they’re wearing an earpiece and will have to endure the sound for a few seconds til they can rip it off their head; 2) your best shot at a Forest Gump imitation; who would hang up immediately on a mentally impaired person? “Hey, Mom, can I talk to Rachel? She seems really nice. I have the nicest cat. His name is Fluffy. Do you want to hear him purr? C’mon, Fluffy, purr for Rachel. Oh, someone’s at the door. I’ll be right back. What’s your favorite color? I like blue like the sky. My mom says blue is a boy’s color” etc. My husband does this and has me rolling on the floor. 3) Guys, make like she or he has reached a pervert. Like they’re going to report that to some authority??? If she is the lowlife we suspect, she might listen a while and that will keep her from CALLING ME or a vulnerable innocent. 4) short-term dyslexia. Keep switching numbers on cards, addresses or phone numbers, misspell names over and over, “No, that’s NEWMAN; Yes, NEUMAN; Like I said, NUEMANN; sorry, I meant NOONHAM. Are you sure you are writing this down?”

    If we can’t find them out, let’s wear them out on the days you can spare a few minutes for the cause. These people are the lowest of all bottom feeders.

  252. Gary Says:
    December 15th, 2011 at 12:39 pm

    Everyone who gets this, call the FTC.

    1-877-FTC-HELP (1-877-382-4357)

    Choose to file a complaint, the more complaints they get, the quicker they can prosecute these jerks. Give details on their (a) faking Caller ID signals, (b) phishing behavior, (c) ignoring requests to remove your number from their call system, and (d) ignoring the Federal Do Not Call List.

    I would have you refer to the complaint I filed but the FTC guy said it is better for MULTIPLE complaints to be submitted.

  253. ek Says:
    December 15th, 2011 at 1:37 pm

    I just tried this number 1-888-583-1956 and someone answered “Account Services”. The company is set up as Ambrosia Web Design, supposedly owned by Chris Ambrosia of Mesa, AZ.

  254. Bill Says:
    December 29th, 2011 at 1:49 pm

    I had a very instructive conversation with them today. I pretended to look for my credit card but left them on speakerphone, and I could overhear the background conversation. A very rude and pushy individual was telling somebody something about a $690 fee to be applied to a credit card. This may be their scam. On the other hand, law enforcement could probably trace them through the bank through which this fee is processed if they try to collect it, so maybe their real agenda is to steal credit card numbers.

  255. Jerry Says:
    January 5th, 2012 at 7:17 pm

    Sorry to bring you this news. You are wasting your time trying to punish the caller. Punish your congress person with calls and tons of e-mail. That’s how we can get the “DO NOT CALL” list to work. MAY RACHEL LIVE ON A DIET OF THORNY CACTUS AND RAZOR BLADES.

  256. Stu Says:
    January 23rd, 2012 at 8:34 pm

    Unfortunately the Do Not Call Registry has no ability for prosecution- they only document info for any agency themselves deciding to prosecute. I have been reporting Rachel at least twice a month for a couple years now. I think the “bug your congressman” idea Jerry suggested is the best idea. Or if anyone like a disgruntled former employee would publish their phone numbers, address, website, then maybe things might get really interesting. At least we’d have an actual entity to file police complaints against. Might be pretty funny if some twerp hacker started giving them a dose of their own medicine too! 😉

  257. CJ Says:
    February 3rd, 2012 at 3:26 pm

    I’ve gotten 2 calls today. I’ve decide to blow the whistle on them, literally. I’m going to keep a coach’s whistle by each phone and when they call, I’ll press 1. When it’s answered, I’m blowing the whistle. My guess is that if we all did this, the calls would stop.

  258. Debbie Says:
    February 3rd, 2012 at 3:32 pm

    I’ve been getting these calls for a couple of years..I either don’t answer the phone or sometimes I hit #1 to have person talk the phone number off their list but today I way in a bad mood so I told them they had reached a monitored phone and that I was in jail and needed them to make a call for me as I only had one call I could make…the lady hesitated then said Oh, I’m sorry I can’t do that as I pleaded with her…then she hung up.

  259. GlarryB Says:
    February 3rd, 2012 at 5:23 pm

    I’ve been adding each number to my call blocking list… so far, there are 9 different numbers from “Cardholders Services” that are being blocked. I had 3 calls today from 3 different numbers.

    They must score with some folks or else they wouldn’t be going thru the expense of hiring staff and expensive computer phoning equipment.

    Our wonderful FCC and FTC are too busy chasing rainbows to handle this scam.

  260. Daniel Davis Says:
    February 7th, 2012 at 8:40 pm

    If you call a number that you know is disconnected and record the three tone automated answer, you can play this back for any automated dialing system. It will automatically remove your number from their dialing list and no human on their end can keep it from deleting your number.

  261. Bill Says:
    February 10th, 2012 at 12:31 pm

    They called again today and I told them I would have to find my credit card, whereupon they hung up on me. Maybe a lot of people are now doing this to them, so they hang up if you don’t have your card.

    You do have to tell them you have something like $15K in debt and an interest rate of 19 percent or so to string them along even far enough to ask for your credit card information.

    Next step: give them a randomly-generated series of numbers to get them to waste time trying to process it? The idea is to let them waste their time while you do other work.

  262. Rachael Says:
    February 15th, 2012 at 12:47 pm

    On 12/5/2011, the US Dept of Justice filed an action on behalf of the FTC alleging that Roy M. Cox, Jr of California is responsible for all of the Rachael calls. Google him and perhaps give him a call or two – or three, or four, or etc.

  263. Ron Says:
    February 15th, 2012 at 5:56 pm

    We need to find out who these people are and get them! Our government is, as expected, helpless and/or useless.

  264. Deanna Says:
    February 21st, 2012 at 9:48 pm

    I get 2 calls per day and am so sick and tired of them. It’s getting to the point that we are going to change our phone number that we have had for about 20 years now.. We cannot track them down, we have turned them into the BBB and still nothing.. We are at our wits end. Trust me, if there is something out there to be tried, we have tried it and the calls get more frequent because of it… UGH!!

  265. Perry Brass Says:
    March 9th, 2012 at 1:32 pm

    The most annoying thing about these shmucks is that they will never reveal the number they’re calling from. I’ve been on the line and have asked them that; they hang up immediately. They are a total scam, and I wonder how they stay in business. Somebody must be falling for “Rachel” or “Heather,” or else they’d been gone ages ago.

  266. Julie Says:
    March 16th, 2012 at 4:19 pm

    I am having the same problem with this horrible business. Today I told the rep that I was turning them over to the Better Business Bureau and he said, “goodbye stupid” and hung up on me. I would love to strangle whoever the joker on the other end of the line is. UGH!!

  267. Scott Says:
    May 2nd, 2012 at 10:21 am

    I got two calls with two different phone IDs yesterday from them.

  268. Margaret Says:
    May 25th, 2012 at 7:55 pm

    After stringing them along for a while, say: “oh, can you hold?” They will likely be glad to, lay the phone down and go on about your business. They get to pay for the time.

  269. Bill Says:
    June 7th, 2012 at 3:55 pm

    I use Margaret’s approach. I pretend interest, and then give them a fake name. When they ask for my credit card number or expiration date, I tell them I don’t have it but I can go get it. Then I leave them waiting on the speakerphone for as long as I can to string them along. Then I eventually tell them that my number is on the Do Not Call List, and that I was sending them up the whole time to deliberately waste as much of their time as possible.

    If enough people do this and they disconnect anybody who says he or she has to find a credit card, the next approach should be to give them a randomly-generated card number, or a random expiration date so they waste their time trying to do whatever scam they are doing on the fake information.

    The bottom line is that they either have to pay their people for their time, or pay a commission for every sucker they scam. If they are paying for the time you waste, they lose money. If their people are on commission, you will waste their time. It is the only way to deter them because they call from spoofed numbers to keep you from turning them in for Do Not Call violations.

  270. KT Says:
    June 27th, 2012 at 1:15 pm

    They are annoying, but the sad thing is that this has gone on for over 5 years on this blog alone… I spoke to one operator who “told me to suck his huge wet cock” – I happened to be walking on a treadmill at the time and damn near flew off the damn thing I was so shocked.

  271. LeRoy Says:
    August 2nd, 2012 at 8:11 am

    I push 1 and when I get someone on the line, I make all sort of weird sexual suggestions. Most hang up but some try to out gross me. Wouldn’t you think that they would stop calling me to stop subjecting their employees to filthy suggestions?