"Rachel" from Card Services

Rachels calls are showing typical stalking behavior and these stalkers should get stalked back to their nests.

Stalkers who speak perfect English are right here and the accented slaves are overseas. I believe the perfect English speakers are actually looking up numbers to spoof so that they can hide and play their little games, and the blame falls on some [***] boiler room freaks overseas OR these freaks are working together. These calls are not random but I am sure they add new numbers to their stalking list. I am not sure if cell phones can do spoofing but I think there are apps that can be used to spoof numbers. Spoofing is illegal and these freaks should be caught for spoofing numbers and locked up in jail for stalking as well. I am talking about the criminals right here in America. If there was a way to track a spoofed number to its exact caller that would truly help. Lets see how long these cowards operate. They can run but they can't hide.

This telemarketer will not give out its name, HOWEVER the phone lines for them are provided by:
PEERLESS NETWORK OF ILLINOIS -LLC
Chief Executive Officer
John Barnicle
222 S. Riverside Plz., Ste. 2730
Chicago, IL 60606
Phone: (312) 506-0930
E-Mail: jbarnicle@peerlessnetwork.com
In-State Designated Agent
Daniel Meldazis
222 S. Riverside Plz., Ste. 2730
Chicago, IL 60606
Phone:  (312) 506-0933
E-Mail:  dmeldazis@peerlessnetwork.com

They won't give out their names cause they are busy hiding under different scams credit card, surveys, cruises, home security, wca, carpet cleaners, fake charities, etc. They are so brave that they'd show up as anyone but themselves, and these are the "brave" people who yell at people, lie to them, bad mouth them, stalk them, threaten them, etc. But then they are scared of reality. They want to live in their own sick and fantasy world playing their moronic games. They want to harass others but when they get harassed back they can't take it. They, their masters, and the stalkers who spoof numbers are a brave bunch of people NOT. Anyone who starts trouble and flees is a coward in my book.

I now look forward to hearing from Rachel at Card Holders Services, because I came up with a plan: play  their little game, tell them you want to get out of debt. Make up a large amount you owe, and when they ask for the card number, tell them you have to go get it. Set the phone by a TV, or radio speaker and let it play into phone until they hang up! The company wants clients, so they will stay on the phone and wait for you to return until it becomes obvious THEY have been scammed!  If we all do this, perhaps Rachel will throw in the towel at CARDHOLDERS SERVICE!

609-318-9785 has been # du jour the last two calls. Last week kept a Card Services telemarketer on the line for 30 minutes, only 11 today, find using closed out accounts gets them frustrated when they find there's no available credit left to steal. The male caller today had a southern accent, then brought on "Timothy Hill," Qualifications Manager, who spoke w/o a noticeable [to this untrained ear] Southern accent. Hill accused me of pulling their leg and "wasting our time," and hung up when I asked for the real company name.

  Warning:  The initial callers very casually and quickly ask for the last 4 digits of the Social Security number and Date of Birth DOB, when I refused to give it out, "that shouldn't be a problem."

   They are also ID thieves and already have one's full name and correct address.

On a news website it said that they made about 18 million dollars, all money ripped off from vulnerable people. Now if people were to start blocking their calls and start reporting them, the crooks wouldn't make a dime. As long as people believe them and pay them, they’ll continue operating disguised as whatever.

I've done that one, and have a couple other ones.  If I have time (I am retired) I play along for as long as I can, making up stuff as I go.  When it comes to the card number, I just wander off like you say.  When I'm in a bad mood or don't have time to play, I just grab one of my trumpets that are always sitting on stands throughout the house.  I hit "1" to talk to someone, and when they come on the line I play my horn for them, loud.  I mean really loud. Probably doesn't help reduce the number of calls, but it feels good.  I've also told them my name was Rick Rowland, and when they ask for the card number (or SS#) I play "Never Gonna Give You Up" (on my computer desktop just for that purpose).

If I'm really crabby I just tell them to go get a real &*&^^%ing job and quit bothering people.

I am sure Rachel and her submissive rats are here reading what people type here but then they should grow a spine and post comments in Tagalog, Spanish, Hindi, Nigerian, African, or English like the rest of the frauds do. As long as they squirm in their seats and sweat in front of their screens while reading their scripts, they turn more [***] and transparent than they already are.

Just a note that WCA Subscriber Services is a different scam than the "Lower your credit card interest rate" scams. However they do share the same phone numbers, so who knows if there is some hidden connection.

They claim that you can go to their website and be removed from their calling lists:       wcaconsent
Good luck with that. The bad news is there are thousands of complaints about this company not stopping the calls not to mention the unresolved complaints from the BBB that can't find a legitimate address for the company. All that can be found is a UPS drop box (The UPS Store #4567 -   2643 Gulf Bay Blvd Suite 1560-411, Clearwater, FL 33759) or a virtual office in Las Vegas (Worldwide Commerce Associates, LLC  3651 Lindell Road, Suite D  Las Vegas, NV 89103) with a receptionist answering the phone for multiple non-existent companies.
http://www.virtualofficeslv.com
http://www.bbb.org/west-florida/business-revi ... ter-fl-90107305
http://www.bbb.org/southern-nevada/business-r ... -vegas-nv-82198

Here are some links to their scams:    http://www.itworld.com/internet/118181/beware-free-apple-ipad-scams-facebook
http://www.pcworld.com/article/203946/friends ... pad_events.html
http://consumer.blog.state.ma.us/blog

You are dealing with a company that is owned by a woman in India and registered in Cyprus. If you request to be removed from their calling list and the calls persist then you should continually file complaints with your 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 only option is to go after the companies that are outsourcing to overseas boiler rooms.

JACKSON — The Mississippi Public Service Commission has fined a Nevada company $20,000 for violations of the Mississippi “No-Call” law and rules associated with enforcing the law.
Public Service Commissioner Brandon Presley announced the fine. Presley says the fine was against Worldwide Commerce Associates, LLC of Carson City, Nev.
Presley says Worldwide Commerce Associates violated the law by failing to register and purchase the state’s “No-Call” list. The company also allegedly called people on the list and used an automated dialing system to communicate with consumers.
The company shall be prohibited from making any calls as a telephone solicitor in Mississippi until the fine is paid in full.

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.

Registrant:
     REVENUE PATH E-CONSULTING PRIVATE LIMITED
     Sarita Somani
     IDE Ioannou Court Office No. 203 13 & 15 Gr Afxentiou Str
     Mesa Yeitonia, Limassol 4N CY- 4003
     CY   (Cyprus)
     Phone: +91.2032930242
     Email: sarita@fecdirect.net
588 Domain(s) Use sarita@fecdirect.net As Whois Email       http://www.webboar.com/whois-email/sarita@fecdirect.net
Her Internet hosting service:
Administrative Contact:
    pamei, pouchunlung fecdirect@gmail.com
    FecDirect Pvt Ltd
    Pushpajali Apts
    Flat no 10, Gydney Park
    pune, Maharashtra 411037
    India
    912040072689

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

The FTC is having Robocall Summit on October 18th.  For more info go to:
http://www.ftc.gov/opa/2012/10/robocalls.shtm
http://www.ftc.gov/bcp/edu/microsites/robocalls

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
Register your phone numbers online at http://www.donotcall.gov or call (888) 382-1222 (must call from # you want removed).

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.
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.


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

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.

If only people would use Caller ID to see who is calling before they answer the phone, this could save a lot of grief. If a name and/or number show up that you don't recognize, don't answer the call. It is that simple. Let it ring itself out. Do copy down the name and number information, and the date and time also. Report that to the FTC DNC.

These things go through cycles; every so many weeks, such calls hit, then there is a lull (at least that is how it works on my land line phone). No one should think that no matter what they do, that they are safe by using blocking or other "tricks". The scum will be using a whole new slew of numbers and will be right back on people's phones before you know it.

The best way to be safe is to get rid of the phone. Ofcourse, people shouldn't answer these calls. Call blockers are a gem which it comes to blocking entire area codes and it even lets you programs numbers that you want to let through and ring you. The gentleman above is right. Better write to your local politicians to take care of this mess, and make sure you report all the spoofed and real numbers.

I worked at one of several places that use rachel....there were 30 of us....and i never scammed anyone....if there wasnt substantiol savings...... i told tje customer......urdoing great on ur own.

now my roommate and i and her 3 kids.....despite finding new jobs....are facingeviction due to the ftc withholding a week and a half of pay.

wow...all because you couldnt ignore a phone call.
whatever will u do with ur time now....and investments in whistles and blow horns...

rachel sucks....and the companies that mis charged or charged for nothing....i agree with u folks....
however....proof from ftc report....we scammed no one

so thank you.....

i hope ur happy....

and of course not all calls from tachel have stopped....
theres countless others usuing that prerecorded message.


enjoy

Hey, "employee" ...

You worked for the scammers that used "Rachel"!!! Ever hear of guilt by association? Those you worked for had you and those others make those scam calls!

Nice try, but that claim in your post is false!

http://www.ftc.gov/opa/2012/11/robocalls.shtm

"“At the FTC, Rachel from Cardholder Services is public enemy number one,” said FTC Chairman Jon Leibowitz.  “We’re cracking down on illegal robocalls by bringing law enforcement actions and pursuing technical solutions to the problem.”
The FTC gets more than 200,000 complaints each month about telemarketing robocalls, including calls from “Rachel” that pitch consumers with a supposedly easy way to save money by reducing their credit card interest rates.  After collecting an up-front fee, however, the FTC believes that the companies do little if anything to fulfill their promises.

At the recent Robocall Summit, the FTC issued a challenge to the public offering a $50,000 cash prize for the best technical solution to block illegal robocalls on landlines and mobile phones.

Rachel from Cardholder Services

In the robocall cases announced today, the FTC alleges that the defendants place automated calls to consumers, typically with a prerecorded message from “Rachel” or someone else from “Cardholder Services.”  The calls purport to have an “important message” regarding an opportunity to reduce high credit card interest rates.  Consumers are urged to “press 1” to connect with a live representative, or “press 2” to discontinue getting such calls.  Consumers who press 1 are connected to live telemarketers.  Most consumers have no way to screen the calls using Caller ID, as the incoming number allegedly is often “spoofed,” or displayed as a false number.  In many cases, the name displayed on the Caller ID is so generic, such as “Card Services,” that it provides little information about who is calling.

According to the FTC, consumers who reach a live telemarketer are then pitched allegedly deceptive offers to have their credit card interest rates substantially reduced, sometimes to as low as 6.9 or even zero percent.  The telemarketers allegedly guarantee that lowering card interest rates will save the consumers thousands of dollars in finance charges in a short period of time and will allow them to pay off the balances more quickly.  Some telemarketers allegedly claim that consumers will 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.

In some cases, according to the FTC, 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.

After consumers have been “approved” for the program, according to the FTC, the telemarketer informs them that there is an up-front fee, typically ranging from several hundred dollars to nearly $3,000.  To convince them to pay the fee, telemarketers often say that it will be more than offset by the money the consumer will save through the program.  In some cases, the FTC alleges that consumers’ credit cards were charged even if they did not agree to pay for the service.  In other cases, the defendants allegedly do not disclose a fee at all, or claim there will be no fee.

The companies allegedly often claim to have a no-risk guarantee, saying that if they don’t provide consumers with the promised rate reductions and finance charge savings, they will refund the fee.  However, consumers who later complain to the companies find it difficult, if not impossible, to get their money back.

After consumers pay the up-front fee, the FTC alleges, they typically find that the companies do little or nothing to lower their credit card interest rates.  The only thing that some companies do, according to 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.  In some cases, the companies may also apply in the consumer’s name for a new credit card with a low- or zero percent introductory interest rate.  But according to the FTC, even if a new card is issued, the consumer is unlikely to see the promised savings, as the credit limits likely are low and the introductory rate often goes up after six or 12 months.  Consumers often find that they cannot transfer their balances to these new cards."

http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt178.shtm

"The companies behind the sales pitches claim to have special relationships with credit card issuers. They guarantee that the reduced rates they offer will save you thousands of dollars in interest and finance charges, and will allow you to pay off your credit card debt three to five times faster. They claim that the lower interest rates are available for a limited time and that you need to act now. Some even use money-back guarantees as further enticement.

The FTC says that the companies behind these robocalls can't do anything for you that you can't do for yourself — for free. You have just as much clout with your credit card issuer as these companies, and you are just as likely to get turned down for a rate reduction regardless of their promises or supposed efforts to negotiate on your behalf. Indeed, FTC investigators found that people who pay for these services don't get the touted interest rate reductions, don't save the promised amounts, don't pay off their credit card debt three to five times faster, and struggle to get refunds.

...

Amendments to the FTC's Telemarketing Sales Rule prohibit companies that sell relief services like these rate reduction scams on the phone from charging a feebefore they settle or reduce your debt. If you do business with a debt relief company, you may be required to put money in a dedicated bank account, which will be administered by an independent third party. The account administrator may charge you a reasonable fee, and is responsible for transferring funds from your account to pay your creditors and the debt settlement company when settlements occur."

http://www.bbb.org/blog/2012/07/it-isnt-reall ... older-services/

"How it works: Con artists use a friendly female voice and generic name to try to get you to pay to reduce your credit card rates, some making as many as 2.6 billion calls per year. According to the Federal Trade Commission, almost 13 million people who got these robocalls were fooled into speaking to an agent in 2010."

Anyone who were fooled by this scam was scammed ... The FTC did, in fact, state that 13 million were!!!

What will we do now with our time now that you and your scam service win't waste our time, disrupt our lives and invade our privacy? Simple! Rejoice in the freedom from your bs calls!!! Get on with our lives!!! Live free of such crap!!!

And you go on about us not ignoring a 'call'? You [***] wouldn't let us alone, you wouldn't take no for an answer!!! You repeatedly and harassingly not to mentioned blatantly called numbers on the National Do Not Call Registry .... a clear violation of the FTC laws (i.e., TCPA laws)!!!

I smell a shill in your post!!! Any relation to "TeleScammer" or "Board with it all" by any chance? Take a hike shill! No one here is buying your crap!!!

Same approach as last two shills, blame the victims and blame those trying to help them not get scammed!! 

Just another feeble failed attempt on your part! No one's impressed!