Great Info Billy Goats! Also, if you got to Manta.com and look up the company, you can get info, such as addresses, CEO (sometimes). Who doesn't get these calls?!

If you want information on this scam and the people behind it I recommend checking out these websites:

 http://onthespotblog.com/the-hunt-for-rachel-at-cardholder-services/

 http://www.dslreports.com/forum/r26458611-Sca ... calls-revisited

The players we know that are now involved, including names and cities are:
Ambrosia Web Design LLC, Chris Ambrosia, Mesa, Arizona
American Debt Negotiators, Ran David Barnea, Boca Raton, Florida
Associated Accounting Specialists Inc., William R. Page, Port Saint Lucie, Florida
Castle Rock Capital Management, Roy M. Cox, Laguna Niguel, California
Concord Financial Advisors LLC, Lee Cestine, Mesa, Arizona
Financial Services Solutions LLC, CEO Unknown, New York, New York
PHL International, Mark Burton, Deerfield Beach, Florida
Premiere Debt Solutions, CEO Unknown, Orlando, Florida
Red Leaf Capital LLC, Leroy Castine, Mesa, Arizona

I have received more than 150 (I have them documented) calls from these scum sucking criminals. I have filed more that 50 complaints with the FTC however due to the fact that they hide behind spoofed numbers I doubt that they will ever stop any of them. They ask for up front fees and charge your credit card without performing any services.

A special thanks to a reply from MGD at dslreports.com which gives great insight as well:

"Some on your list have already been the subject of FTC action, such as Roy M. Cox of Castle Rock Capital Management. Not surprisingly, many are habitual repeat offenders, and are the subject of multiple FTC actions. FTC action is grossly inadequate in these cases. The millions of unsolicited "Heather" "Rachel" et all, Card Services robo calls will not begin to subside until these criminals are charged with Federal Felonies, are convicted and subjected to significant jail time.

Civil action by the FTC against such criminals is totally ineffective. All of those involved know that they are violating FTC regulations. The FTC prohibits unsolicited calls for any kind of debt / interest rate reductions which require up front fees, period, and that is what these robo calls are about. The FTC civil actions have been nothing more than whack-a-mole interference. Which is why numerous individuals are the subject of repeated actions, despite signing prior agreements that prohibit future involvement. The FTC levies huge fines, then rescinds them based on inability to pay. The FTC settles for the minimal cash on hand, and enjoins them from future "telemarketing". The criminals sign off, then go right back to business. The entire operations are clearly criminal, intent to defraud, etc, and should be dealt with in criminal court and not by civil actions.

The banking system is also at fault here, without merchant accounts and ACH processing these criminals could not collect the scammed funds. Though the criminals use obfuscation, layered corporations, multiple bank accounts and offshore stashing, patterns of obvious fraudulent activity become apparent after a short time.

If you are interested in obtaining useful tracking information on the callers, I suggest another angle in the conversations. Act very interested in the rate reduction scam, as you have multiple high interest cards with large balances. Tell them that you don't give out card numbers in response to unsolicited calls. However, tell them that if they provide you with a verifiable number that you will then call them back and provide the info.

Since many of the operatives work on commission they will provide direct contact numbers if they believe you are serious about completing the deal. Verified return phone numbers are an excellent tool in tracking the people behind the operations.

Many of the inbound robo call numbers are spoofed, as most of the bolierhouses, both off and on shore, are using Voip SIP Trunks services. Throwaway DID numbers are also used. Some of the robocalling is operated by the end use scammers directly. Others are contract services who earn a referral fee once you are transferred to the scammers.

In a follow up post I will document one group associated with the Rachel "Card Services" and the pond scum, including a lawyer behind one of the operations. Follow the money ..... track the recipients ... and take a close look at the processors and banks involved."

Call from this  number about credit card message. I get these calls all the time, always from different numbers, never call back-able, so no way I have the time or patience to block or repoort them all. This ti e it sqid to press nine to talk to a representative. I meant to push the hang up button, but pushed "three" instead.... And got a representative! :) so i hung up on him. (Is it sad that I feel a "neeners" about that?). So now i picture the scammer sitting in a basement using a single line speaker phone waiting to hear a " beep" to indicate someone pushed the mythical nine. It must be Peggy. Ha ha.

Just got a call and picked up and agin some blabber about a credit card so I just hung up. I am pretty sure I am going to just get my phone disconnected and use my cell. I get calls from all kinds of scammers daily.

Same recorded call, different phone numbers. I keep blocking them

Do Not Call is a BIG JOKE - I just got a new number and low and behold! It was already on the DNC list and I could not renew the block!!  Just got a call from 212 775 9531 - it came to my 'work' number and as soon as I heard the recording, I hung up!  How stupid can people be! Wish they would think about getting REAL JOBS rather than being so annoying all day long.

Got a call from this number. When called back, says "this number is not in use."  My phone number is a landline that I rarely use & supposedly has a private listing with the provider. However, I recently used it on a couple of responses to craigslist job postings in nyc before I caught myself and switched to a phone.com biz phone i use for online purchases, etc.

Phony credit card offer.

I got a call today from this number...I didn't answer but keep getting calls from similar numbers that I keep blocking. I'm also on the do not call list...guess it doesn't work that good. I assume they just have an automated dialer that randomly dials different combinations of numbers till they get someone?

received a call at 4:04PM from this number but didn't recognize the area code so didn't answer but no message was left so likely unwanted spam/telemarketing

yep me too, got ring and hang up on answer. hope they find a real job!

Answered ringing phone.  No answer, just a hang up.  On Do Not Call lists.

This number just called here; caller Id shows 'New York'.  Call disconnected; no message left (love my answering machine).

Keep getting calls from 212-775-9531 the last few days and other numbers pertaining to lowering mortgage and credit card interest.

No message is left when the call is not answered.  When I answer, if automated, I select option to not be called again. Sometimes a live person makes a pitch about lowering interest rates.

I block one number then another starts within a week or so.

These nuisance calls have increased the last 3 years.

The Do not call registry is one big joke ... right Congress ?   RIGHT  ? I
Oh -  wont get an answer from Congress because they are too busy fighting and getting no where.

Just got a call offering to lower my credit card interest rate and when I said on which card, he started guessing card names. When he said I had a 15% interest rate and I said no I didn't, he said "oh I meant 12%". I said are you sure? I told him he was wrong and he yelled at me! He said "Tell me the interest rate lady!" I said " NO thank you" and he yelled "YOU SUCK!". I tried to call back to report his behavoir and the number is not in use.

Just received this call. No message.

"this number not in use" means the number is spoofed https://en.wikipedia.org/wiki/Caller_ID_spoofing and the caller should be treated as hostile.

The caller had an urgent message about my "credit card" did not mention any specific card, so hung up. This is frequent caller, but if you try to call back, get a recording saying this number not in use!