The criminals behind this operation do not come to this site and even if they did they would have no intention of truthfully answering questions or removing someone that posts here.
I use this site to pass on information that I have gathered and hopefully it will give some insight into these criminal operations. I'm just a poor ignorant uneducated country boy from backwoods Wisconsin who has received more than 350 calls from these scum sucking criminals.

The FTC is having Robocall Summit on October 18th.  For more info go to:
http://www.ftc.gov/opa/2012/10/robocalls.shtm
http://www.ftc.gov/bcp/edu/microsites/robocalls

What To Do When You Get an Illegal Robocall; http://www.ftc.gov/bcp/edu/microsites/robocalls
1.    Hang Up. Do not press 1 or any other numbers to get off the list.
2.    Consider blocking the number
3.    Report it at http://www.fcc.gov/complaints
4.    Report it at https://www.ftccomplaintassistant.gov
Register your phone numbers online at http://www.donotcall.gov or call (888) 382-1222 (must call from # you want removed).

Who the suspects are:
http://complaintwire.org/complaint/ipzhHRymJA ... gon-robo-dialer
http://telemarketerspam.wordpress.com/2012/08/30/fred-accuardi-and-illegal-telemarketing
http://latimesblogs.latimes.com/money_co/2011 ... -companies.html
http://www.bbb.org/west-florida/business-revi ... ter-fl-90107305
http://investing.businessweek.com/research/st ... vcapId=23957705
http://www.ocregister.com/articles/cox-353170-agency-companies.html
http://www.ftc.gov/os/caselist/0923193/index.shtm
http://articles.latimes.com/2011/nov/29/business/la-fi-lazarus-20111129
http://www.scamwarners.com/forum/viewtopic.php?f=4&t=22278
http://www.consumeraffairs.com/debt/client_services_inc.html
http://onthespotblog.com/the-hunt-for-rachel-at-cardholder-services
http://www.scamchecker.com/content/cardmember-services-another-scam
http://www.state.ia.us/government/ag/latest_n ... fundraiser.html

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.
These scum are making money by sending their bogus Caller ID information to your phone company. Telephone numbers are Calling Name (CNAM) provisioned and stored in a special database accessible to other telecom utilities.  This means that for any outbound call that transmits a special  code corresponding to one of their phone numbers, these criminals collect a fee for transmitting the caller ID information to the Local Exchange Carrier receiving the call.  When you see a  phone number in your caller ID (along with some name like Card Services), your phone company has to reimburse the caller for downloading that info from the database where it?s stored.
These fees are typically fractions of a cent per call however when these fees are aggregated across tens of millions of outbound calls per week, it amounts to significant money.  Huge volumes of unsolicited telemarketing calls can drive significant revenue into the pockets of these scum sucking criminals. In return your phone company charges you a fee (it may be hidden or $5 to $15 on your phone bill).  Since they only pay out a small portion of this fee you can see why your phone company allows this to continue.
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.
If someone makes the mistake of answering the phone and falling for their con then it is just icing on the cake for them. These people are the lowest form of filth on this planet.


How it works:
http://blog.usa.gov/post/30393077932/answering-your-questions-about-robocalls
http://onthespotblog.com/on-the-spot-blog-stirs-up-rachel-at-cardholder-services
http://onthespotblog.com/tag/cardholder-services/
http://complaintwire.org/complaint/ipzhHRymJA ... gon-robo-dialer
http://telemarketerspam.wordpress.com/2012/08/30/fred-accuardi-and-illegal-telemarketing

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 criminals behind this operation aren't going to pay attention to you asking to be removed from their list. Their calls cost them nothing and they can make a million of them a day so they have no intention of ever removing someone. When you press a key to talk to them all that is accomplished is to verify that they have a working number.
Unfortunately blowing an air horn or whistle doesn't work either. Their headset have noise dampeners plus they are expecting it. However with that said if it makes you feel better then by all means give it a shot.

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 that you 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.

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
You can also try suing them in small claims court. This site has some information on how to proceed.  http://www.killthecalls.com

Many 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).
http://telemarketerspam.wordpress.com

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.
http://www.in.gov/activecalendar/EventList.as ... ation_id=107077

Arkansas sues robocallers:
http://www.arkansasonline.com/news/2012/aug/0 ... marketing-firms
Missouri sues robocallers:
http://www.legalnewsline.com/news/236974-kost ... nies-over-calls
Mississippi sues robocallers:
http://msbusiness.com/tag/telemarketing

FTC is sending refund checks to 4,468 consumers ?who allegedly were defrauded by a telemarketer who used robocalls (prerecorded voice messages) to pitch worthless credit card rate reduction programs for an up-front fee.?
http://bbbconsumereducation.com/the-checks-in-the-mail-this-time-its-true

Proof that current laws mean nothing to these scum suckers. Civil action by the FTC against such criminals is totally ineffective. These criminals need to be charged with Federal Felonies and subjected to significant jail time. All of those involved know that they are violating FTC regulations. 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 as usual. These same people under different companies have been sued in the past and have only paid a minimal fine. 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
http://www.ftc.gov/opa/2012/09/nelsongamble.shtm

Write your Congressmen and Senators. 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.

They called and said that this was my final chance to lower my current credit card interest rate. When I asked which credit card they were calling about, the woman hung up on me.

I'm stll fuming. How rude is it to call someone and then hang up on them? @**&^%$&&# Scammers!

They call to our office several times, no answer or messages. Kind of weird.

I get this same message from several other numbers including this one at least once a week. sometimes the number is a Utah area code and it has also been from other area codes but it's always the same message about lowering my interest rate.

Just received a call from this number, thanks for the info didn't answer.

These scumbags just called my #. I never answered calls that I did not recognize the numbers. Set my phone to block calls from these scumbags from now on.

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   .

These people are nothing more than common criminals with with a complete disregard for the law and they have no reason to be civil.

The players we know that are now involved, including names and cities are:
Ambrosia Web Design LLC, Chris Ambrosia, Mesa, Arizona, chris@ambrosiadesign.net, (888) 583-1956
American Debt Negotiators, Ran David Barnea, Boca Raton, Florida
AnswerNet, 2325 Maryland Road, Suite 150, Willow Grove, PA 19090     PHONE NUMBER (800) 411-5777
AnswerNet, Portland Call Center Location: 2951 NW Division Street, Suite 110, Gresham, OR 97030  Local Phone: 503-222-1327  Toll Free: 800-727-9144
Associated Accounting Specialists Inc., William R. Page, Port Saint Lucie, Florida
CAM Services, sales@camservices.us,  209 E Baseline Rd, Tempe, Arizona 85283,  (800) 455-4503
Castle Rock Capital Management, Roy M. Cox, Laguna Niguel, California
Concord Financial Advisors LLC, Lee Cestine, Mesa, Arizona, lee@afbllconline.com,   (602) 620-1460
Financial Services Solutions LLC, CEO Unknown, New York, New York
Key One Solutions, 7650 S. McClintock Dr. #103-119 (Ups Store), Tempe, AZ 85284, phone (888)599-7112 (or 7113), http://keyonesolutionsinc.com/
Max Direct, LLC, 2335 W. NOPAL AVE.,  MESA,  AZ  85202,  phone (480) 703-5818,  fax (480) 292-8195
PHL International, Mark Burton, Deerfield Beach, Florida
Premiere Debt Solutions, CEO Unknown, Orlando, Florida
Red Leaf Capital LLC, Leroy Castine, Mesa, Arizona

I have now received more than 200 (I have them documented) calls from these scum sucking criminals. I have filed more than 50 complaints with the FTC, however due to the fact that they hide behind spoofed numbers, I doubt that they will ever be able to 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."

Told them I was going to report them so now they are calling from other numbers! So I just report each number!

Harrassing phone calls, won't stop, won't remove, hangs up when they want to remove, telephone company can't ID them

Calls several times a week, and because of answering machine, only get part of message: "Again, this is your final call as it relates to the financial stimulous."

Scam telemarketer telling me they can lower my credit card bills

*************************** WARNING SCAM ALERT PLEASE READ ***************************************

Calling the number back is useless, requesting for your number to be taken off the list is pointless, and pressing any number just validates your number to be confirmed active. Blocking number is just plain exhausting.

Telemarketing scams are on the rise. Criminals do not care about the law.

This is a network of criminals (mostly foreign) whose sole purpose is to steal your credit card. Period. They set up temporary strip mall operations, hiring the low of the lows. They use computers operated robo dialers (so it is nothing personal). They actually get your number from the Do-Not-Call list and various other places. They do not care. All numbers are fake/spoofed caller ID and are forwarded. They use deceptive techniques to doop the caller. When you press one to speak to a ?representive? the call is forwarded to a back-door operation. Do not press any number and do not call the number back. But be prepared to receive these annoying calls.

The Do Not Call List does work. YES! It works. However, criminals do not care about the law. Since when has any criminal of any type cared about ethics, law, or decency? Once they have your number, get use to it. FTC only fines the perpetrators, no jail time for first offense. So they still walk the street where they can sell the technology/idea to a former employee or they can get someone else to front the business. That keeps the operation going, and going, and going (If they don?t pay the fine they can go to jail. You can sue which will get them jail time, but that is a longer story).

The best option is to continue to report the numbers to appropriate authorities. Even better option is to WARN OTHERS. The more people who get dooped thinking that that some company will lower their interest rate to unprecedented levels/unrealistic the longer they stay in business. It is pure profit for them. So please warn the elderly and the gullible. Take the time to warn and report. TAKE THE TIME TO WARN. TAKE THE TIME TO REPORT. Posting here just lets other people know what they already know. So be prepared. They use numerous numbers from all over the country, all fake. California and Florida are generally their operation centers.

http://www.ftc.gov/opa/2012/03/asiapacific.shtm

You can actually listen to the audio of what they use by visiting the ftc website by clinking on the link.

calls every day

We have continually received harassing calls from 800-744-0601.  I have repeated asked them to quit calling and they sarcastically refuse or hung up.

Received a call but I wasn't home so machine picked up. I never answer calls from numbers I do not recognize, After they repeatedly robo-call you, after awhile, your number will drop if you continually do not answer. Don't play their game!

I received a call from the 800-744-0601.  No message was left.  I called it back and it said the number was out of order

This is a scam. They told me they would not remove my number. when I asked to speak to a supervisor, they hung up!

They call over and over. I press a button to stop calls but within hours I get another call.
The calling number is 1- 800-744-0601
I call back and get the signal of a wrong number and message "due to tel company trouble your call cannot be completed."

Didn't answer but they let it ring like 20 times. I don't answer any calls that I don't know the number. Some days every call I get is an unwanted call despite being on DNC. Going to drop the house phone and go with the cell since I don't get those calls on it.

I Pressed "1" when prompted bythe recording.  I  Was put on hold while being connected. the person answering the phone said I was being offered  a reduction in interest rate on my credit cards because of the economic stimulus package.  When I asked to be put on their "do not call list", the person answering  hung up.

And they don't care. They are off-shore scammers using local US phone numbers. Because they are off shore, they don't care, and worse yet, can't be prosecuted by our laws without extradition, which isn't going to happen for these "minor" offenses. Give it up, they're going to call.

The worst thing you can do is answer. No, worse than that would be calling them back, REGARDLESS of the reason (even to ASK to be removed - remember, they don't care about our laws. That's why the hang up when you ask!). By answering or calling back, you just confirm you have a working number, one they can call back again, over and over.

Yes, they're scum. You can't change that. Nor will you stop them from calling!

lower your interest rate, press one.  so I did.  told the guy he was in violation of dnc law and told him he would be reported to my states atty office (YES they do keep lists if you let them know numbers and when).  Asked his name and he told me he was my spouses name!  I believe this violates a whole lot more of federal laws...

Same as these others. The recording says this is a debt reduction qualification notice. Because being on the FTC's Do Not Call list and telling these people to stop calling me has not worked in the past...This time I pressed "1" and asked the man what company he was with. He said VISA MasterCard Qualification Center. Ask him his name and he disconnected. Don't know if he is lying about working for VISA MasterCard or not, but, I feel I must assume he does.
I filed a complaint with the FTC at  www.donotcall.gov   This is the first time for these jerks, but my third complaint filed today on another jerk.

I asked them to remove my # and they hung up.

I'm tired of these scam calls.

This is some sort of "stimulus" junk/scam. Press "1" to something or other. Message was cur off.