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

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…

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

  1. 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! 😉

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

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

  9. 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!!

  10. 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.

  11. 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!!

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

  13. 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.

  14. 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.

  15. 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.

  16. 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?