Anonymous above has the right idea, but I'll add to it a bit.

On 8/13/12 they called from 971-220-1784 as LOWER INTEREST. On 8/22/12 they called from 503-902-8480 as LOWER INTEREST. On 9/5/12 they called from 305-587-2165 as CARD SERVICES. On 9/22/12 they called from 407-476-5700 as CARD SERVICES. Exact same recorded message that you've all heard so many times.

Whatever name and number they use, if the numbers are spoofed, then the phone companies should set up a system that verifies where an incoming call is coming from. They have the technology. Ever hear of 900 numbers? If they can't ID the call, then they block it. The fact is that the phone companies are making money from these scammers, so they have no reason to cooperate in shutting them down. The FCC is just plain too slow.

It would be great if the numbers that they use would be broadcast on television so that most people would know not to answer or interact with these people in any way. Stopping them from making money would shut them down faster than anything else.

Gee, I haven't heard from Rachel in several weeks - I thought she might have caught the flu.  No such luck.

Yep, good old "Rachel from Card Services."  This time, I pressed one, and when the "Can't Get A Real Job" loser came on the line, I played some porn sounds over the computer speaker and hung up.  He called back, infuriated.  I told him it was his mother, and I thought he'd enjoy it.    Then I hung up again as he shrieked at me.

"Cardholder Services" again, offering to lower my interest rate again.  Right now she is waiting for me to "go get my card".
I'll use WinFax to answer the phone when they call back after they hang up.  For those who don't have that, you could just answer, "Hold on please, I'll be right back" and put them through another cycle of waiting for nothing.

These moth******ers call from a different number when I block a number over and over and over. F*** these moth******ers.

Same nonsense message I get on my machine nearly every day, that I should press something to lower my interest rates and this is my final notice. I know I'll get another final notice tomorrow.

Just a note...,I read where the Nat'l. Do Not Call Registry won't do anything about this.  :(

I am sick, sick, sick of this # calling me!!!  I do not want or need their services and when I ask them to stop calling they hang up on me!  I HAVE HAD IT!!!!!

Same old scam msg to lower interest rates.
Thought that that fancy new consumer protection agency was supposed to protect people again scum like this. Apparently they are too busy engaging in empire building to be bothered with doing their job.

I have had two calls today, one from 971-220-1951, then just now, 971-220-1784. I'm sure they are related... never leave a message, just keep calling and bothering me.!!!

Working in my basement and had to come down off ladder to answer this call.  When I realized what it was, I immediately pressed "1" to speak to someone.  After a short hold with music playing a female answered and asked if I wanted to sign up for the lower interest and I told her "No, what I want is for you to stop calling me".

She hung up without saying another word and I know I didn't acomplish a thing except the satisfaction of wasting a few minutes of her time!   I get several calls a day like this: some wanting to lower my interest, some wanting to "give" me a security system, and some wanting to sell me an extended warranty on my car. I am so sick of these unwanted calls.  I have tried to block them but have not had much luck.

They aren't going to stop. All they are, are criminals out to steal your credit card information.

never ever give out personal or financial information over the phone. Period. Report to the appropriate authorities and warn others. All it takes is one fool to fall prey to this scam and it keeps them in business. Please folks take the time to warn others and let people know of this scam.

Blocking numbers is useless. They will use another. Report to DNCL. All fake spoof numbers. Caller Id always financial CTR, lower interest rate, card services etc. Always same robo call. Do not press any number just ignore and report.


Www.Complaints.donotcall.gov

Http://www.FTC.gov/bcp/edu/microsites/donotcall/mediacenter.HTML

http://bottomline.nbcnews.com/_news/2012/08/0 ... gal-robocallers

http://www.star-telegram.com/2012/05/17/39688 ... d-stopping.html

http://www.nytimes.com/2012/06/02/your-money/ ... ?pagewanted=all

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

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
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/

Called at 13:12 Eastern time September 7, 2012. I pressed 1 to speak to a representative and told them to take my number off their list. I was hung up on. They had called another time before and my husband pressed 3 to have our number removed, but that did not work. I called the number back and a recording came on the line that said please enter the number you wish to add to the do not call list, so I entered my number.

I get these calls way too often. Normally they won't leave a message on my answering set. I never answer the phone if I don't recognize the calling number. Lately they are getting a little braver and leaving messages.

I know they are scammers. I have made various complaints to the state's attorney general because I am on the do-no-call list. And besides these ROBO CALLS are illegal. I have received back letters stating that they are aware of the problem but having great difficulty tracking down these scumbags!

I want one thing to happen. I want them to find the OWNER of this outfit and give him the same treat that we gave Osama Bin Laden!

Sometimes it comes up "Lower Interest" on my caller ID.

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.

Don't know who this company is. It's a recorded message to lower credit card interest rates. It also says to press 3 to discontinue these calls. I've received these calls before, pressed 3, but the calls continue.

I do not talk to unknown name and numbers. I have already had 4 of these calls today. Please do something to get rid of them calling me.
Thank you

Filed my complaint: https://complaints.donotcall.gov/complaint/complaintcheck.aspx

Filed a complaint with the Do Not Call registry: https://complaints.donotcall.gov/complaint/complaintcheck.aspx

Recording from fast-talking Rachel at "Cardholder Services" about lowering my interest rate. Since she didn't say a bank or card company name, I'm guessing it's a sales call. Just exactly what is the 'do not call list' good for!?!

Numbers are spoofed and are not from a company.  Enforcement of these Fed laws do not fall under any law enforcement agency.  FCC WILL NOT TAKE ANY ACTION except to take a report.  Contact the local telephone company in that area and they WILL investigate.    The only resource is to have each number blocked.

Annoying, lame stupid pre-recorded messages!!!!!!!! VERY DESTRUCTIVE, ESPECIALLY IN A BUSY PASTE ENVIRONMENT OFFICE.  Tried to call back, no ring tone at all. Makes you question were these calls coming from?

Got a call from them today. saying they'll lower my rate. working directly with the credit card company. sound promising, but they where too eager to get my credit card number. when I refused she try to pull all kind of scare tactic on me.

I just hung up. sound like a bunch of SCAM. Shame!!!

This is a terrorist cell based on their behavior, why else would they be so desperate to steal so much money?

Who is this "low interest" calling. I am on a do not call list.  they are ignoring this.

I get calls from
971-220-1784
They just hang up. What ever happened to the no call list. It's a joke. I'm sick of these calls.

Keep a big FAT airhorn next to your phone and give these jerkwads a blast when they get on the line.

Same results as everyone else despite being on Do Not Call list and requesting to not be called .
Enforcement here in Missouri by Attorney General is a joke . I will check and see if he is up for reelection in November .

I've had 3 calls from Lower Interest and Card Services.  I'm on the DO Not Call registery so my next call is to the FTC.