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All Comments (1299)

FCC Complaint
0

Offer to reduce interest rate.

FCC Complaint
0

credit card interest reduction

FCC Complaint
0

"This is Rachael at Cardholder services, there is no problem with your account . . "

FCC Complaint
0

Lower interest rates on my credit cards.

FCC Complaint
0

Credit card services

FCC Complaint
0

Lower interest rate for credit cards no specific name given just a credit account

FCC Complaint
0

Lower your credit card interest rate.

FCC Complaint
0

Decrease my credit card debt

Caller: Rachel
FCC Complaint
0

Credit card rate reduction

FCC Complaint
0

call says there is nothing wrong with my account (do not have a card service act) If I want to save money press 1

Caller: card services
FCC Complaint
0

Some unspecified credit card product. The prerecorded message (which I've heard many times before) said: "This is Rachel with cardholder services. There are no problems currently with your account. It is urgent you speak with a representative about lowering your interest rates. This offer expires soon. Consider this your final notice."

However, when I actually spoke to a "representative" to ask them not to call me again, he definitely wasn't trying to sell me a credit card, and he not only ignored my repeated requests to be placed on their do-not-call list, but he actually responded by "coming on" to me in a completely inappropriate, and obviously sexual manner (starting off with telling me I "sound pretty," and later asking what I look like, despite my repeatedly telling him to stop)

FCC Complaint
0

Provide debt services... can reduce my credit card debt with a low 6.9% availabile interest if I get in contact by pressing 1 for a representative.

Caller: Rachel
FCC Complaint
0

It said they had a financial offer that I was eligible for and to press 1 to hear more. No option to opt out or any other option than to press 1. When live agent answered I immediately send please do not hang up as they did prior. I said please put me on your DNC list and the man immediately hung up. His name was Brandon or Brendan. They have called before and same thing happened. As soon as I indicate this is a cell phone and I want to be removed from their list PLEASE and I am very polite but they immediately hang up.

FCC Complaint
0

Lower you credit card interest rates now by pressing 1.

FCC Complaint
0

Credit card rate reduction

Anonymouse
0

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/

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. They will charge thousands of dollars on your credit card without performing any services.

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.

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.

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.

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 T

Anonymous
0

Won't stop calling, switches numbers, won't take me off there list, very rude

Caller: Rachel
FCC Complaint
0

lower interest rates

FCC Complaint
0

Credit Card Services
Each time this organization calls it has a different number on caller ID though the message is the same. This is the 5th complaint filing with no effect.

FCC Complaint
0

company marketing credit card debt consolidation.

Caller: Account Services

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Recent Complaint Activity for (609) 227-4849

suggested caller name as Bordentown, NJ
12/27/13 06:30 PM
reported as spam
11/15/13 12:00 AM
suggested caller name as "Discover" Cardholder Account Services
02/25/13 12:05 PM
suggested caller name as Ann with Cardmember Services
11/14/12 02:52 PM
suggested caller name as Card one services
10/16/12 03:45 PM
suggested caller name as Ann (recording)
10/15/12 05:29 PM
suggested caller name as Rachel or Ann
10/01/12 01:56 PM
suggested caller name as Rachel at cardmember services
09/11/12 10:05 AM
suggested caller name as Ann from Account Services
08/29/12 01:02 PM
suggested caller name as Ann from account services
08/27/12 04:33 PM
Other phone numbers in the 609 area code