It was craigs list scammer

These a-holes are scam artists, not legitimate companys, and do not have to adhere to any DNC list.

They are the same as a kid making a prank call, only they try to get your personal information.

Use caller ID and don't answer, they will give up after a while.
When you pick up the phone and b*tch them out then they call just to f**k around with you and piss you off.

Caller called then hanged up

I got a call from 224-999-000. They said that they were from card service company to lower my Chase credit rate. I asked for their telephone number and he gave me his name. He informed about the Obama law and that I should not pay more than 10% interest rate.  Then he was insisting on me checking how many accounts I had. I told him I didn't have time for this and he began to tell me that I did not deserve to have a credit card and curse me. He called me a f ***in bi*** and w***e that was too dumb to have a credit card. What can I do to stop these harassing phone????

Person started making noises when I said take my number off your list

this is the second or third call from the same place only with a different number .. Card member services. Have told them to stop calling, they persist. The DNC regisrty evidently does not wor,  just more politcal lip service to the consumer

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

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

The calls are being made from outside the US however most of the call centers (where you actually talk to someone after pressing 1) are in the US and the companies making the money from the scam are owned by people in the US.

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

For anyone thinking of using Special Information Tones (or as they're called in the industry SIT tones) to fake a non working phone number, they won't work. Since around 2001-2002, the costs of "digital" business lines have dropped dramatically, along with Voice over IP (Internet) telephone service. Neither of these use the SIT tones as the call information is carried separate from the audio.
This separate call information tells the calling party digitally if the call was answered, busy, voice mail, forwarded, rejected, etc. This renders SIT tones useless. Also the "TeleZapper" products that used to be on the market used this method as well, and were rendered ineffective for the same reasons.
It is also through this separate call information message that the spoofed caller ID information is transmitted.

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

Check here first to see if it is one of their phone numbers:
http://telemarketerspam.wordpress.com
Pacific Telecom Communications Group
Follow JD's recommendations in the blog and stop them at the source.

The majority of the disposable numbers come from Pacific Telecom Communications Group and they are currently under investigation and in the midst of various lawsuits. (The principles involved have been part of actions by the FCC under other business names).They have ripped people off for millions of dollars, yet have paid only a couple of thousand dollars in fines. The only way to stop them is to throw them in prison for a few years to make this criminal activity less attractive.

The Oregon Public Utilities Commission has revoked Pacific Telecom's certificate to provide telecom services in Oregon.
The Indiana Attorney General?s Office filed lawsuits against:
Consumer Credit Group and Proactive Planning Solutions of Arizona for violating Indiana?s Do Not Call Law and Auto-Dialer Act known as the robo-call law. Both companies violated the Credit Service Organization Act and Deceptive Consumer Sales Act by not obtaining $25,000 surety bonds with the state and collecting money upfront without performing any services.
Debt Zero of California for collecting money up front, failing to provide services or a refund and operating without a $25,000 surety bond.
Clear One Advantage of Maryland and Credit Arbitrators of Texas for violating the Credit Service Organization Act and the Deceptive Consumer Sales Act by not obtaining the required surety bonds.

Arkansas sues robocallers:
http://www.arkansasonline.com/news/2012/aug/0 ... arketing-firms/
Missouri sues robocallers:
http://www.legalnewsline.com/news/236974-kost ... nies-over-calls

Proof that current laws mean nothing to these scum suckers, these same people under different companies have been sued in the past. Here are just a few:
http://www.ftc.gov/opa/2011/12/roycox.shtm
http://www.ftc.gov/opa/2010/06/asiapacific.shtm
http://www.ftc.gov/opa/2012/03/asiapacific.shtm
http://www.ftc.gov/os/caselist/0923193/111219roycoxcmpt.pdf
http://www.ftc.gov/bcp/edu/microsites/donotcall/mediacenter.html
http://www.ftc.gov/opa/2012/02/afl_financial.shtm
http://www.ftc.gov/opa/2012/02/voiceblaze.shtm
http://www.ftc.gov/opa/2010/03/voicetouch.shtm
http://www.ftc.gov/opa/2009/05/robocalls.shtm
http://www.ftc.gov/opa/2009/12/robocall.shtm
http://www.ftc.gov/opa/2009/09/twi.shtm
http://www.ftc.gov/opa/2011/02/robocall.shtm
http://www.ftc.gov/opa/2009/05/robocalls2.shtm
http://www.ftc.gov/opa/2010/12/jpm.shtm
http://www.ftc.gov/opa/2010/08/voicetouch.shtm
http://www.ftc.gov/opa/2011/11/sonkei.shtm
http://www.ftc.gov/opa/2010/05/ams.shtm
http://www.ftc.gov/opa/2011/01/khalilian.shtm

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

I got a call from 1-224-999-0000 this morning.  Caller ID says Evanston, IL but sounds more like Bombay in the background.  I pressed 1 to speak with a customer service representative just to get my number off the list.  A woman answered and asked how I was today.  I said "fine now please remove my number from your list"  She asked if I knew what the call was about and I said yes it was a BS call about credit.  I told her we are on the DNC registry and they needed to stop calling or they would be reported.  She told me to hold on the line while she removed my number from their list.  She emphasized that I shouldn't hang up because she wouldn't be able to remove the number if I hung up.  Whatever!  I hung up anyway!

They called my father who does not speak very good English.  When I heard of this I freaked out a little bit and called the number 224-999-0000.  I was relieved when I found this forum and it is all a bunch of "low life scum that do this to people".

They mentioned that they wanted $3,000 for a VISA card.  My father told the guy, I have never had a VISA in the 36 years he has been in this country.  The "scum-a-marketer " said he was sending the police.  My father said go ahead.  

My dad came to this country 36 years ago from Naples Italy.  Father was screwed over by a sibling of mine who had a gambling problem.  My father was a barber for 35 years and worked every day, even when he was sick.  He paid our house off in 5 years.  Long story short - When my father could not work anymore, became disabled.  Bending over and standing took its toll on his back.  It didnt take long to find out he owed 140,000 for the house he had thought was paid off.  Been helping my father for 10 years trying to knock the loan down and it's at 89,000.  When my father told me that 224-999-0000 called asking for money, I called right away thinking that his troubles was going to start again.  Pay backs a bi***.  I will find out who is doing this.  Anyone hears anything keep me posted algallo22@hotmail.com

I also got a call from number 224 999 0000 (Evanston, IL) and was offered to lower my interest rate. I get these calls often. So yesterday I decided to press#1 and get an actual person. Well I did and his name was Richard and when I told him not to call anymore and take me off his list and that I am on the no call registry he  said "FU" 2 times and as I repeated not to call anymore and to take me off his calling list he said "FU harder" and then told me to lick a part of his anatomy I would rather not mention. I was speechless and then when I didn't say anymore he said "Why you not say anything Bi*ch" I told him he was being recorded and that I was reporting him and he hug up. So later I called the number that was on my caller ID and was connected to a voice message that said Hello this is Jennifer Mills, leave a message.
Okay what's up with all this. I was violated in my own home on my phone that i pay the bill for. Something wrong with this picture? His voice sounded oriental, not that it matters - just a heads up for the next person who gets a call from 'Richard'. That airhorn idea sounds great.

subject looking for credit card numbers... called himself Duane... told me to shove the phone up my a** when I inquired further... would love to find him and show him what I will do with his phone>

Buffalo, NY  7/27/12, 2:18pm.  Caller ID says "UNKNOWN NAME."  I was not home when these jerks called; no message left.

I rec'd a call from this number today on my cell phone, and no message was left. Not too many people have this number.  The called ID came up as "unregistered".  But going on what others have said about Card Holder Services, I once actually did get to speak to one of these callers - not necessarily from this number but from "rachel from card holder services."  I asked which credit card company she was calling from and she was not specific.  I asked how she got my number and she said they buy a list from credit card companies. At least she was not abusive.  I guess we give our permission to sell our info if we don't opt out of their privacy agreement.  So the do not call list does not apply.  We are doing business with our credit card companies, and they sell our info, supposedly with our permission.  So the 3rd party caller "has our permission" to call, presumably, even though we haven't directly done business with them.  There really "ought to be a law" which protects us consumers.  Apparently the laws that exist are a bit of a sham.

They sell them in dollar tree stores. Maybe the best buck you'll ever spend.:-)

I contact my senator as I was getting tired of this people calling and being on the Do Not Call List does no good what so ever. He told me to contact the Consumer Financial Protection Bureau at 855-411-2372. or on the web at www.consumerfinance.gov . I did and left a message if it doesn't stop I am going to call the toll free number. I am writing down all the different numbers they use.

"This is your second and final notice to lower your interest. Press 1 to talk to a representative as this is your final notice." A female with a Pakistani or Indian accent came on the line and I gave her all the FAKE
information she asked for. Finally it was time to give this SCAMMER the HORN. So gave her the horn for 30 seconds and then asked her "Do U here me Now". Gave her the HORN some more. And she was still on
the line and she gave me the "F" word. So gave the same thing right back and then another long blast of the HORN. She had finally hung up. Gotta harass those SCAMMERS right back.

Did not answer...

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."

Another call from 224-999-0000-----left no message, just hung up.

Y does this number call ten times a day..it's getting old

Have repeatedly received calls from this number....how can we get off the list ....VERY annoying.

OMG   I F****NG HAVE PUT UP WITH THE F****NG LOOSERS FROM CREDIT CARD SERVICES FOR OVER 2 YEARS AND MOTHER F****NG OVER 150 PHONE CALLS TO MY CELL.

HERE IT NOW IF THE F****NG FBI OR FCC OR WHO THE F*** DONT PUT A STOP TO THE F****RS\ NOW. I WILL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1  

THIS IS WHAT WILL HAPPEN I WILL F****NG PAY 25,000. CASH FOR INFO ON LOCATION AND OWNERS NAMES. EACH!!!!!!  $10,000 FOR EACH PHOTOS OF WORKERS AND OWNERS AND LOCATION EA.

150,000. FOR EACH DEAD BODY!
ALL OF THE F****RS AND FAMILY'S MUST F****NG DIE ASAP..  

IM SO PISST OFF EACH DAY SOME F****NG TELEMARKETER CALLS ME MOST JUST HANG UP AFTER I SAY HELLO OR LEAVES A DEAD VOICE MAIL..  IM GOING TO KILL MYSELF SOON IF I DONT PUT A STOP TO THE F****RS.

F*** YOU OBAMA N****R! F*** YOU FCC F*** YOU CREDIT CARD SERVICES I WILL F****NG KILL YOU F****.

The reason a large portion of the people are having trouble with this number is because this number is being "Spoofed" by Delta Outsource Group, a collection agency located in O'Fallon, MO.  They will try and gather enough information to create an account.  Many bank accounts have been drained by this establishment and many "Spoofed" phone numbers have been fraudulently used to aquire information.
This not only hurts people by the harrassment, but also hurts the establishment that the number belongs to.

Note: Insight Services is affiliated with Delta Outsource Group.

evanston ill, 224-999-0000, call, no message,

PixiesMom, try a bike shop for small air horns.

A recorded call from the infamous "Rachel" who has been calling from various numbers from years claiming to be from Card Services.  I pressed 9 to speak with someone and asked him to take me off his list.  He called me a fcking bi*** and hung up on me.

I keep getting calls too.  I've decided that I am going to have fun with them and waste their time.   Get them on the line (push #9)  and ask them to tell YOU what account number they are calling from.  By know means give them any such information.  They quickly get 'pissy' with you and start throwing out the obscenities.   OK, so it's childish, but I get a kick out of pissing THEM off!

I also received a call from (224-999-000) Evanston IL he said I had a $3000.00 Balance I told him he was lying, he then called me a fu**** B**** and a few other choice names, I hung up on him. I sure wish these people could be tracked

I reported them to "donotcall.gov".

I am on the do not call list and I keep receiving calls from this number.  They called and when I answered they hung up on me.  They have called multiple times.  if i can be of help in prosecuting them, pease let me know.