card
credit
scam
missed
interest
lower
rate
disconnected
cell
problems
rates
(516) 453-5645 claimed to be from SOS
nope
 Apr 01st, 2011
I am not going to leave my real name. But, I just got a call from this number. I am on a number of do not call lists, but it appears to be of no avail.
Mary Burt
 Mar 31st, 2011
I received a phone call from 1-516-453-5647 twice about 2 hours apart. The first caller said that my phone number was picked to win a $50 gift certificate from wal-mart. After that I hubg up. The seond time they called I told the caller that they are a scammer and I am reporting that number as a scammer. He said go ahead and do that.
Derek
 Feb 11th, 2011
I got a call from this number 244pm PST on 9/14/2010. What is weird to me is at the same time and a little beofre this my computer had major problems with viruses. I wonder if someone can get into your computer and phone at the same time?
Candace
 Sep 16th, 2010
When I answered I got a recorded message: "This is (can't recall the exact name) from card holder services. There are no problems currently with your account. It is urgent that you contact us concerning your eligibility..." At this point I hung up. Obvious scam or solicitation for another card.
Frank
 Sep 16th, 2010
called at 3:46, I didn't answer. didn't leave a message.
In Washington state.
E
 Sep 15th, 2010
Left this voice mail:

There are no problems currently with your account. It is urgent that you contact us concerning your eligibility for lowering your interest rate to as little as 6.9% your eligibility expires shortly, so please consider this your final notice press the number one on your telephone now to speak with a live operator and lower your interest rates. Thank you.
D
 Sep 15th, 2010
YOU MUST REPORT THEM EITHER TO FTC.GOV OR DONOTCALL.GOV.

If you get a recorded message when you answer - you can file complaints with DONOTCALL.GOV even if you are not registered on the donotcall list.

Here is the info about the court order
FTC 1, Robocalls 0
(Monday, May 24, 2010)
At FTC�s Request, Court Stops Deceptive Telemarketing Calls Pitching Credit Card Interest Rate Reduction
At the request of the Federal Trade Commission, a federal judge has put a stop to three companies� allegedly deceptive telemarketing calls, including robocalls, that promised to reduce consumers� credit card interest rates; frozen their assets; and appointed a receiver to take control of the business.
According to the FTC�s complaint, over the past two years, the defendants made or authorized calls to consumers nationwide, claiming that they could negotiate with credit card issuers to substantially lower the interest rates on the consumers� credit cards. They also allegedly delivered prerecorded �robocalls� that consisted of urgent-sounding messages from �Card Services� or �Financial Services,� stating that consumers needed to �press one� to speak to a representative about their credit card interest rates. Many consumers believed the calls were from their credit card issuers.
Consumers who signed up for the defendants� services were charged from $499 to $1,590 up-front and promised their money back if the callers failed to deliver at least $2,500 in interest rate savings, the FTC alleged. Instead of arranging reduced interest rates, the complaint states, the defendants sent consumers instructions to pay down their credit card debts early, thus saving money on interest. Consumers who complained and demanded refunds allegedly were denied outright, got the run-around, or had a $199 �nonrefundable fee� deducted from their refund.
�The last thing debt-ridden consumers need is to be deluged by illegal robocalls � especially when all the calls are offering is a scam,� said FTC Chairman Jon Leibowitz.
The FTC�s complaint alleged that AMS, Rapid Reduction, PDMI, and their owners violated the FTC Act and the Do Not Call and other provisions of the Telemarketing Sales Rule by:
� deceptively promising consumers they could reduce their credit card interest rates;
� misleading consumers about their refund policies;
� illegally calling numbers on the National Do Not Call Registry;
� failing to honor consumers� requests not to be called again; and
� making pre-recorded telemarketing calls to consumers without their express written consent. Nearly all such calls have been illegal since September 1, 2009 (see press release at: http://www.ftc.gov/opa/2009/08/robocalls.shtm).
U.S. District Judge Lonny Suko has issued an order appointing two receivers to take over the businesses, and freezing the assets of Advanced Management Services NW LLC, doing business as AMS Financial, Rapid Reduction System�s [sic] LLC, and their principals Ryan Bishop and Michael Rohlf, all of Spokane, Washington, and PDM International, Inc., doing business as Priority Direct Marketing International, Inc. (PDMI) of Bedford, Texas, and its principal William Fithian, of Colleyville, Texas.
The FTC vote approving the complaint was 5-0. It was filed under seal in the U.S. District Court for the Eastern District of Washington on May 10, 2010. The court granted an order temporarily barring the alleged conduct on May 10, 2010. The seal was lifted on May 11, 2010, the day the Commission served the temporary restraining order.
The FTC acknowledges the assistance of Better Business Bureau of Eastern Washington, Northern Idaho, and Montana, and the BBB of Fort Worth, Texas, the U.S. Postal Inspection Service; the Bedford, Texas, Police Department; and the attorneys general of Illinois, Minnesota, North Carolina, North Dakota, Washington, and West Virginia. The FTC also acknowledges that the Internal Revenue Service, the Federal Bureau of Investigation, and the U.S. Secret Service are conducting a separate but parallel criminal investigation and that they executed search warrants on one business and one individual�s home when the FTC served the temporary restraining order.
NOTE: The Commission issues a complaint when it has �reason to believe� that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The issuance of a complaint is not a finding or ruling that the defendant has violated the law.
Copies of the stipulated final order are available from the FTC�s Web site at http://www.ftc.gov and from the FTC�s Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, click: http://www.ftc.gov/ftc/complaint.shtm or call 1-877-382-4357. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to more than 1,800 civil and criminal law enforcement agencies in the U.S. and abroad. For free information on a variety of consumer topics, click http://ftc.gov/bcp/consumer.shtm.
MEDIA CONTACT:
Mitchell J. Katz
Office of Public Affairs
202-326-2161
STAFF CONTACT:
Mary T. Benfield
FTC Northwest Region, Seattle
202-326-4472
John
 Sep 14th, 2010
This is a scam regarding credit cards; do not give them any info! Block the number!
Samantha
 Sep 14th, 2010
Just got a missed call - 9/14 at about 3:30pm. Glad I looked it up and saw it's a scam - thanks to all who have posted. Any idea how they got this number??
Kelly
 Sep 14th, 2010
Missed call at 1:56 9-14, West Coast.
M
 Sep 14th, 2010
I was called by the number 516-453-5645 on my cell phone multiple times, when I finally got fed up enough to answer it, I got a recording that said please press one to talk with a live agent to reduce your credit card interest rate. I pressed one, wanting anwers... well when the woman answered all she said was "you calling about lowering your interest rate?" when I said what credit card are you talking about? she hung up. I tried to call back a few times and the number won't connect and my cell says the call was rejected. WTF?! I wish there was a way to PROTECT our privacy once and for all!!
jewell
 Sep 14th, 2010
Missed call at around noon 9-14-10. No message. I'm on the west coast.
teledude
 Sep 14th, 2010
Called my cell phone, automated voice saying they were calling from my "credit card company" and were offering to lower my interest rate, was asked to call the number back to discuss. I never give my cell phone number out.
JC
 Sep 14th, 2010
9/12/10 - Got home, saw this number called. Called back it said disconnected. How can it be disconnected?
lori
 Sep 14th, 2010
scammer. asks you to fork over a CC number on my ANSWERING machine.
alin0s
 Jun 29th, 2010
Scam. Vague message. Automatic message does not say which company or credit card.
B
 Jun 23rd, 2010
Phone number keeps calling me on my work cell. No one ever on the other end.
TJ
 Jun 22nd, 2010
got a call from this number at about 7pm today. missed it and called back, a robot said the number or code i dialed was incorrect but i just hit the redial button! very confusing most likely just a shitty scam
kristen
 Jun 21st, 2010
Just got two calls in a row from this number. Missed one. Said they could lower my interest rates. I don't even have a credit card.
Alex
 Jun 21st, 2010
called on 6/18/10 - did not leave a VM. when called back, it says call cannot be completed as dialed/non-working number. called around 11 am on a Saturday. Very suspicious.
nick
 Jun 19th, 2010
Definitely a scam i got this call and I don't even have a credit card (or ever had one) report it immediately!
j10
 Jun 18th, 2010
Got a call from this number on 6/17/2010. Received an automated response from the robot on the other end and then was forwarded to "Rhonda". I asked to be removed from the list and got hung up on.
Steve
 Jun 17th, 2010
they just called @ 6:10pm on June 17, 2010. I didn't answer, hit ignore and they didn't leave a message. I called back and it said "you have reached a none working number" Very odd, i'm sure its a scam.
R
 Jun 17th, 2010
Definitely a spammer.
D
 Jun 17th, 2010
Missed call on 6-15 rang back to disconnected #. Sounds like a credit card scam from what I've read so far.
Steve
 Jun 16th, 2010
happened to me tonight 6-15-10.. just this evening.. said they would lower my credit card to a whopping 6%.. when i asked the lady which card this was in reguards to.. guess what?? she hung up!!
vld
 Jun 16th, 2010
Did not answer but found it odd that the number came up with the name "Disconnected" on caller id
dee
 Jun 15th, 2010
I had a missed call from 5164535645 on my cell, they called back I answered no one said anything. I called back and it said the number was disconnected. I don't what's up with that number, but I won't be answering it again.
C
 Jun 14th, 2010
I just got a new number, seems the previous owner owes money all over town so getting credit card calls and the like is pretty regular. Hit 1 to talk to a person to get removed off the list, when I asked who they were trying to call she immediately hung up.

Either scam or really shitty debt collector.
X
 Jun 09th, 2010
this rings back to a disconnected number.
Lynn
 Jun 08th, 2010
Definitely a scam, robo caller mentions lowering your credit card interest rate, never tells you company name. Asks you to press 1 for more info, this just leads to a person who tries to get you to fork over any credit card number. I asked "Which card is this about?" Man on the line answered with "What cards ya got?" Don't fall for this, report it to the fcc.
D
 Jun 08th, 2010

32 Comments