I have received the "Second and final offer" phone call from these jerks about 20 times.  Just received this call AGAIN.  I pressed 1 and the 'gentleman' who finally picked up asked, "Do you have at least a $2,000 current balance on a credit card?"  I answered, "No, I don't."  He immediately hung up- no more questions, no explanation of the 'offer'.  What a nuisance.  I always hoped I would be given the opportunity to be removed from their calling list, but am never given the opportunity.  They are indeed SCAMMERS.

Keep calling around 9pm - too late. I have little kids.

Diowhat I do..............................take the phone to the bathroom, place it near the tolit, then flush.

It said that it was a curtosy call from card holder services, saying I can lower my interest rate on my credit card. Just press 1 to speak to an agent to lower your interest rate. When I got a live operator on line, I said to her very firmly 'This phone call is to tell you that I want you to take my phone number off your calling list"
"Whoa!" was her response. I then hung up.

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.

The criminals behind this operation do not come to this site and even if they did they would have no intention of 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 300 calls from these scum sucking criminals.

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://www.scambook.com/report/view/71722/Ambrosia-Web-Design-Complaint-71722-for-$998.00
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.

They also call from 407-476-5680

this number calling at various times for about 6 mos

press numbers - here in my town, the inmates try to scam you to press numbers also so they can bill you for their calls.

don't ever press numbers.  this is a scammy spammy

they will try to get your credit card info for identity theft

They will not stop calling you.  Just beat them.  Their game.  You win.  It is really fun to do.
First make up a name.  I use Bill Smith.  Just easy for me to remember and BS.
Tell them you have $33,000 of debt on 6 credit cards.  Oh my...  23.5% interest on one.  Oh my!  
They will ask you who that card is with.  Say Wells Fargo Visa.  Or something you know off hand.
They will ask for the expiration date on the card.  Tell them you have to go get it and to hang on a minute.
Put the phone down and go on with your life.  Go back to dinner, movie, sleep, walk the dog.
Go in the other room, close the door pat yourself on the back and laugh out loud.
If you tie up "their" phone time, it costs "them" money.  They don't like that for some reason...
I am on the do not call list too so they want to play games?
You win.  It's fun!

Always press 1 and get a live person.  Turn on the acting skills and make it sound like you finally are going to get some credit card relief and you are so glad they called you.  Try not to laugh or giggle.  Just so you know, they have no idea who you are or anything about you.  Let them ask the questions until you have to go get something for them.  That time will come.  Just wait.
Let them hang on and on and on, their profits go down, down, down....
The first time you do it, it's a rush.
I look forward to it now.
ALTHOUGH IT SEEMS TO HAVE STOPPED NOW FOR SOME REASON?   ARGH!
I wonder why?
Hmmm....?

Thank you for posting the FCC's web site. I just filed a complaint.

What would be better was to find some of the owners of these machines and tune their a***s up a few times and then see just how much they want to call. The only reason the national no call registry exists is to give some useless bureaucrat a job. Just what the world needs is more useless democrats like Obuthole screwing the working class by creating pointless government crap jobs that do absolutely nothing. Our tax dollars at work. Get rid of the morons and bring back the real America.

I just got another call from this number, wanting to lower my credit card interest.  I never answer them, yet they keep calling.  So they get an A+ for sheer persistence and an F- for any sense of decency.

Jerks.  It's a recorded message about credit cards or something.  Tried calling back, no such number.  :(

Got this call in the middle of my work day.  Called back, no such number.

I get this and similar calls more than once a day saying there is nothing to worry about with my credit account but they have information about lowering my interest rate.If I push the number to talk to someone, as soon as I say not to call me any more they disconnect instantly.

The 'agent' claims they are from Credit Card Services.  The only time I've ever dealt w/ a company called "Credit Card Services," it was Visa, etc Household Finances acct...As soon as you ask them to remove your contact info from their files, they hang up.  Waiting w/ a fog horn the next time I receive the call & dial #1 to speak w/ an 'agent/operator." : )

Got a call at 5:30, PA time. Hung up on them before they had a chance to spout  their bull. What part of "I am not picking up the phone" don't they understand...

this number called card services so I returned the call to be removed from thier calling list ,got a recorded message that this number has been disconected and there is no further information avalible , less that 2 minutes after it called me.

All of these scum sucking leaches need to get off their butts and get a REAL job & stop harrassing people!!!

You're kidding yourself if you think that tracing a call will do you any good.Also, there is no judge that will be "very interested" in talking to this or any other telemarketer about their phone calling policy.

What has Obama (or Romney, for that matter) to do with this? You are an idiot. I hope you are inundated with these calls.

HAHA CAN I WATCH LOL!!!!!!! has called my house 3 years straight ANNOYING IGNORE ALL CALLS

These people call me several times a week. It says to dial three if you don't want them to call. Dialing 3 does no good. They continue t call. Why do we have no call lists when no one stops calling. Same with junk mail and catalogs. And now the post office is delivering unwanted mail. Why do we have to put up with this nonesense?

I figured out what to do after getting so frustrated by these calls.  Just don't answer!!  Answering the calls is frustrating.  Trying to talk to someone to get off their list is frustrating.  Reporting them to the government is frustrating.  The only answer is to just not answer at all.  When you pick up I think it does confirm that your number is an active number.  You will get fewer calls by just ignoring them and not answering.

I would tell him my nearest cross street, and give him a date and time, and cut him up over the phone.  

I did that once, and
I got another call telling me they reported it to the police, I further cussed them out and made terror threats, saying I was going to crash a plane into their building, and NOTHING HAPPENED!  NO FBI KNOCKED ON MY DOOR!!! HA HA.

Did you ask her to support legislation that would require telcos to provide accurate Caller ID information via Switch like a previous poster mentioned?  What was her response?  Be sure to record your conversation with the said elected official, use Windows Media Maker to provide a video stream for the audio, and post it on YouTube.  Come back to us with a link of said telephone conversation.

I would love to hear Stabenow's solution, and so would the rest of the United States.

They are scammers.  They want your credit card numbers.

Be sure to call all those people who are running for re election, record them and post it on YouTube.  Do it for all of the parties D, R, L, I, G, etc.

You can cuss them out, I even make terroristic threats to them over the phone when they call!!! What are they going to tell the Judge when he or she asks them "How did you call him or her in the first place?"  They would have to explain to the Judge that they illegally spoofed their phone number, and broke the Do Not Call Rules.  What scammer is bold enough to admit that in order to have the caller in which they trespassed on their telephone to admit that?

I record them and post it on YouTube, fowl language included.  My favorite is telling them F*** You and F*** Obama! I then mention to them I will cut them up!!!