Who Called Us

Automated phone message from 305-000-4656, claiming to be from "Account Services." Pressed "9" to speak to operator, who claimed to be from "Cardholder Services." Told them to stop calling my cellphone.

Pressed 0 to get to operator, a guy who said he was in the billing department called me hon and said there was nothing he could do to help me get onto a do not call list, laughed and then hung up on me.

I have learned how to deal with these calls. Reporting the number that is on your Caller ID to the FED or your state’s Attorney General does no good because it is usually either a forged number or it is a number that can not be associated with the caller, and therefore cannot be used to identify the real caller.

You need to get a REAL number that can absolutely identify the caller in order for the FED or your state Attorney General to be able to sue the real culprit. The only way to get that real number is to talk to the caller and turn the tables on him!


When you get this type of call feign interest. That means that if the recorded message asks you to press 9 then go ahead and press 9 to talk to a live person. While they give you their pitch, keep feigning interest. Sound excited that you may be able to have your interest rate reduced. Keep them talking. If they ask you a question, answer it, but don't answer it truthfully (and NEVER give them your Credit Card number or anything else that is real).

After a couple minutes you will have them hooked. That is when you have to go to the bathroom, or check the oven, etc. Ask them if you can call them back in a few minutes and get a phone number from them. Chances are they will give you a real number (and their name). Call that number back a minute or two later and ask for the person that you were speaking to. Talk to them just long enough to ensure that you are talking to the same person and that the same conversation is being continued. At that point, tell them that you are on the Do Not Call List and that you want to be placed on their own internal DO NOT CALL list. Also, let them know that you now have a valid phone number to report to your state of the FED.

I did this a month ago after receiving dozens of calls offering me to reduce my interest rate. When I asked if I could call back I got the number ‘1-866-942-6441’ along with the company name ‘Sapphire Financial’. I called back a minute later and spoke to the same person and the conversation picked up where it left off.

I was able to report all this to my State’s Attorney General and because they have a verified bonafide phone number, the AG can sue the company, which they are in the process of doing so now. Now when they call (and they continue to call) I feign interest so that I can get a verified, bonafide number that can be used to SCREW them both legally and royally 

Until you can get a verified bonafide number, there is nothing that you can do. If you can get a verified, bonafide number, the FED or your state’s Attorney General can do something,

By the way….If you do feign interest and they don’t give you a number when you ask….just tell them that you will just call 1-866-942-6441 and ask to speak Jennifer Sallies instead. More than likely they will be calling for Sapphire Financials and hearing their real number and the owner’s name will really BLOW their mind.

Have some fun at these jerks expense rather than getting aggravated 

Pressed 9, talked to Jeff, he hung up on me, 3rd time they've called AFTER I told them I'm on the no call list and no credit card.

Left message....Credit card sales to lower your interest rate.....Message asks you to PRESS 9.....

Bastards rang my cell and home lines simultaneously. That's a new one for me.

This is the same scam as the car warranty renewal calls. This kind of thing falls under those little banners on the internet you see that say "Mom working from home makes 65K a year!".

I wondered about who this might be, so I tried to look the number up on Yellowpages/whitepages websites. Both sites came up with caller unknown, and that I didn't have a sufficient number to pull the information.

I pressed nine and when the lady picked up advised her that I was on the "Do Not Call List" and asked what bank this was. She advised that this was not a bank it was cardholder services and imemdiately hung up on me. Definitley a scam...

THESE FOLKS WERE VERY RUDE! I pressed nine to talk to a "Customer service representative" and asked to be taken of their call list, and noted that this phone was on the DO NOT CALL list. The agent was VERY RUDE said I had to do that myself and HUNG UP ON ME.... THEY ARE SO RUDE!

Scam! Beware of any company that doesn't display a full phone number on caller ID when soliciting.

It is very interesting that it has the '000' exchange. You couldn't return the phone call, even if you wanted to!

Caller ID said Unkown with the number 305-000-4656. It was automated from "Card Services" and asked if I was interested in lowing my Credit Card interest rate. I was prompted to press "9" which I did. When the girl came on the phone I asked if the name of the company was "Card Services" she hung up....