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It said I had initiated - but I definately have not. I think it was something to do with winning a cruise or something
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-Scam-Card-Services-relentless-phone-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.
Reduce credit card interest
Stated that our credit card rates wee too high!
[automated] Supposed offer to lower credit card interest rate