415-825-6626

Displayed as QALL CORD PHIL

Rachel from Card Services again.
I had some time on my hands so I used my notes to give the telemarketer the 800 customer service number at a bank where I have no account. I gave my name and call back number for the Florida Attorney General.  The sixteen digit Visa number from my table of random numbers.  For those who don't have all that ready, you could always use the good, old "Please hold on a second while I go get my card."

keeps calling wants to lower my interest rate - yeah right.  have blocked this caller but they keep changing numbers.  The only thing that shows in caller id is the the number. It is some kind of Robo call. They call at least 5-6 times a week.

Immediate disconnect - 415 825 6626 - I do notice that 'is this a live line' test  calls from most 'credit card, tax assistance, bank notice' etc. scam calls are preceded by tests to see if someone picks up the robo dial.

card member services

THESE JERKS ARE A LAW SUIT WAITING FOR CONTINUAL HARASSMENT.

SOME OF THE NUMBERS THEY USE:

407-480-9999 , 407-358-9999 , 727-674-9999 , 971-217-217-9513 , 503-457-1085 , 253-382-9909 , 800-919-2345 , 864-213-7092 , 505-455-6121 , 813-444-5700 , 407-476-5680 786-358-9772 & 415-825-6626

IF YOU FIND OUT WHO THEY ARE PLEASE POST IT THERE WILL BE A CLASS ACTION LAWSUIT.

FOR INTENTIONAL & CONTINUAL HARASSMENT....

we can lower your credit card rates
2 calls so far today

These criminals are at it again; actually this bunch never ceases. This will make the FOURTEENTH NUMBER of theirs that I have blocked. They are all SPOOFED NUMBERS anyway, and they just keep changing the number every day. They are relly persistent, but to no avail; I will block every number they call from!

Receiving about 4-5 calls per week from these bozos.  I have actually pushed the button to talk with a person and asked them not to call anymore and they just laugh and hang up.  I set up a call block but they just use another number and keep calling. I wish I could reach through the phone for just one time.

Careful with the random numbers, you could accidentally be giving a real number out.

Reported To the FTC and the Illinois and New Jersey State Attorney Generals.

The FTC stated that one company behind this is Ambrosia Web Design based in Mesa Arizona.  They said the key player is a Chris Ambrosia but his information is well hidden. However they said that they found who they thought is his wife in Mesa - Lynette A Ambrosia and her cell number is 480-507-8801.  Caveat I cannot verify this but you have to wonder how man Ambrosias are in Mesa Arizona.  It would be nice to find a way to bother these people as much as they have bothered us.

For several years, American consumers have been receiving unwanted robocalls with a recorded message from “Rachel” or one of her fictional co-workers at the vaguely named “Cardholder Services.” Not only are these calls often in violation of do-not-call regulations, they are also a scam to trick people our of their cash. Today, the Federal Trade Commission announced it had pulled the plug on five companies behind these scammy robocalls.

“At the FTC, Rachel from Cardholder Services is public enemy number one,” said FTC Chairman Jon Leibowitz about today’s actions, which also involved state agencies in Arizona, Arkansas, and Florida.

The prerecorded calls, if you don’t hang up on them, claim to have an “important message” abouta a way for consumers to lower their credit card interest rates. Pressing “1″ gets you to a live telemarketer who talks you through the program, which included allegedly deceptive offers to have their credit card interest rates substantially reduced, sometimes to as low as 6.9% or even 0%. Some telemarketers allegedly told consumers they could save at least $2,500 in finance charges and will be able to pay off their balances two to three times faster, without increasing their monthly payments.

More from the FTC:

   In some cases… the telemarketers claim to be calling from the consumer’s credit card company. In other cases, they use “Cardholder Services” to suggest a relationship with a bank or credit card company. If the consumer expresses an interest in the rate reduction offer, the telemarketer sometimes conducts a purported “audit” to determine whether the consumer qualifies. Consumers provide their financial and personal information, and are then put on hold while the “audit” is completed. According to the FTC, the “audit” typically is used only to determine whether consumers have enough credit available on their credit cards to pay the company’s fee.

Once “approved” for the program, the customer is then told about the up-front fee, ranging from several hundred dollars to nearly $3,000. The telemarketers would say that the large fee would be more than offset by the money the saved through the program.

Some consumers said their credit cards were charged the fee even though they did not agree to it. Others say they were charged a fee without even being told there would be any up-front cost.

As is the case with these scams, once the fee is paid, the company does little or nothing to actually reduce the customer’s interest rates.

“The only thing that some companies do,” writes the FTC, “is to initiate three-way calls with consumers’ credit card issuers and orally request a rate reduction, a request that consumers could make on their own and that invariably is denied.”

Pressing “2″ supposedly removes your number from future calls, but in reality does no such thing.

Furthermore, consumers could not proactively block these calls as the callers would use spoofed phone numbers to trick caller ID. This also made it harder for consumers to complain about these calls, as the number showing up on their phone was often unrelated to the actual caller.

The FTC and state authorities filed charges against five companies — Treasure Your Success; Ambrosia Web Design; A+ Financial Center, LLC; The Green Savers; Key One Solutions, LLC. — located in Arizona and Florida.

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
5.    People should continually file complaints with their Attorney Generals office.
Register your phone numbers online at http://www.donotcall.gov or call (888) 382-1222 (must call from # you want removed).

I have greatly reduced the number of calls to my cell phones by going to my carriers website (Verizon) and they allow me to block up to 5 numbers for 90 days. Since these scum change numbers every 30 I have had a very peaceful time. Call me once shame on you, call me twice shame on me. I also put it in my contacts list under Scum Suckers and assign it NO ring tone so at least after the first call they won't bother me anymore (I have filled all of the numbers in each and am up to Scum Sucker 47 now). This is only a whack-a-mole solution however it is the only one I can offer.
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.

If you want to stop these calls then you need to dry up their revenue source.  These scum are making money by sending 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 this may have something to do with their inability to stop these calls.
In order to stop this we need legislation making it illegal for carriers to charge each other for caller ID. If a phone service wishes to operate it would need to provide the caller ID at no charge as part of the service. Here is the $50,000 solution that the FCC is looking for and it doesn't cost anything.
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.

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). The Oregon Public Utilities Commission has revoked Pacific Telecom's certificate to provide telecom services in Oregon. Here is an excellent blog site that I found that explains how this company is getting away with this activity.     http://telemarketerspam.wordpress.com

Who the suspects are:
https://complaintwire.org/complaint/ipzhHRymJ ... gon-robo-dialer
http://telemarketerspam.wordpress.com/2012/08 ... l-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.
Most 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.

How it works:
http://blog.usa.gov/post/30393077932/answering-your-questions-about-robocalls
http://onthespotblog.com/on-the-spot-blog-sti ... holder-services
http://onthespotblog.com/tag/cardholder-services/
https://complaintwire.org/complaint/ipzhHRymJ ... gon-robo-dialer
http://telemarketerspam.wordpress.com/2012/08 ... l-telemarketing

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

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.

This is bogus outdated information. Ms. Ambrosia has posted on this site in the past that she is not connected with or even knows Chris Ambrosia.

BS if I was Ms Ambrosia I would deny being related too.  Do a google search and check our her address and the address of Chris Ambrosia before you say this is bogus information.  Of course Ambrosia is such a common name LOL.  Here let me do your homework...


Christopher Ambrosia  Gender
Male

Current Address
****** W Nopal Ave
City & State
Mesa, AZ 85202

Christopher Ambrosia - Mesa, AZ | MyLife®
www.mylife.com/c-53346834
Christopher Ambrosia is related to Lynette Ambrosia, who is 53 years old and lives in San Tan Valley, AZ.

I believe if you call a Sherri Ambrosia in Rockford Illinois and ask her to give you her brother Chris' telephone number in Mesa Arizona, she may get fed up enough being bothered (like we are by Rachael and Ann) and perhaps will be kind enough to pass it along.

I just get another call from them 5 minutes ago and this time the number is showing it is from California?  415-825-6626.  I've reported them 30 or more times...have called them back and asked to be put on no call back...(all they do is hang up on me when I do that).  Rachel from CardMember Services.....

OMG...I just got off the phone with these people RUDE RUDE RUDE! I asked nicely to talk to a manager. They came back said he didn't want to talk to me. I said Excuse me? He doesn't want to talk to you. I say you know..I have hit the number 3 option to be removed several times, I have talked personally to several people and I can't seem to get my name removed. I run a day care business and everytime the phone rings it wakes up my kids...THeir response... "Well I guess this will give you the opportunity to DO YOUR JOB if the kids are awake WON"T IT?  I then asked for the name of the company and they hung up. UNBELIEVABLE!

I just got a second call from these people. I pressed 1 to talk to them so I could curse them out...and SHE hung up. My house is paid for and I have NO credit cards, plus I am on the DO NOT CALL LIST! So they need not call!

this is the 3rd different # but the same recorded message, some Rachel wanting to lower my interest rate. If I do get an actual person they are rude and hang up on me when I ask them to stop the calls. I have reported them to the BBB and that has doen nothing to stop the calls either. I am so sick of the harassment  and I feel as if there is nothing I can do to stop the calls. They are relentless.