Bank Card Services. Very similar to the "Rachel from Cardholder Services" from A+ Financial Center, LLC aka Accelerated Financial Centers, LLC aka; Accelerated Accounting Services that was charged by the FTC with misleading consumers about their services, calling phone numbers on the Do Not Call Registry, illegally collecting up-front fees, and making illegal robocalls. The FTC imposed a judgment of $9,238,155 in August of 2013. It seems more than coincidental that "your second and final notice to lower interest" calls began just as "Rachel" calls were tapering off. I would be very surprised if "Cardholder Services" and "Bank Card Services" were not related ventures. Rather than complaining to the FCC I recommend filling out a Do Not Call online complaint on the FTC website. They seem to be far more effective with predatory phone scammers (if enough complaints are made) so it is VERY IMPORTANT to file ASAP after the call as they change phone numbers on a regular basis.
 Nov 19th, 2013
Same crap, different day. They also call from 616-613-2227, 616-613-2228,616-613-2100 and probably a wealth of other numbers. They keep changing them and repeatedly call from new numbers. I just can't block them all, but that is their plan anyway. Fraudster/scammer weasels, trying to obtain credit card info from idiots who seem to keep them in business. Bunch of wankers!
 Aug 15th, 2013
Problem is the govt. won't do anything about it. There is no penalty for violating the do not call registry, and the telemarketers know it. Do not call registry is worthless, and waste of taxpayers' money. THEY DO NOTHING about complaints. Waste of time even reporting violations. Get a call blocker, because the do not call registry is just a giant phone book for telemarketers.
Me Too
 Aug 15th, 2013
Refused to give me the company name or her name. I asked for the number she called from and they gave me my number. Hung up when I told her I was recording the call.
 Jul 05th, 2013
no mess. bank card srvcs
 Jun 28th, 2013
They will try to get your credit card number to rip you off..... CROOKS!
 Jun 26th, 2013
Quit calling...we are on the no caller list and the gov will know about this pretty darn one wants your stupid calls
 Jun 25th, 2013
Caller ID reads bank card srvcs. I did option # 1 and ask to be taken off list since I am registered with the 1-800 do not call list.
Man on other end rudely hung up. This is second time in 2 days.
Delores Lynch
 Jun 25th, 2013
Received a call from this number - automated message. "2nd warning - final notice to lower your credit card interest rates"
 Jun 13th, 2013
Did not leave a message.
 Jun 11th, 2013
Now receiving one call a week despite repeated requests to opt out. Took option 1, and when i informed them they were calling a cell phone, and i wanted t o opt out she said, "then change your number" and hung up.
Brian S
 Jun 07th, 2013
I receive calls from this number periodically and this week, I received two calls. I stay on line to specifically request my phone number be removed from their list and the person hangs up on me. This has happened on several occasions. I reported them to today. If I let the call go to the answering machine, the recording is the same each time; --this is your "final" opportunity or notice to receive lower interest rate on credit card… I wish it was the FINAL call from them. It is most annoying when they rudely hang up without acknowledging request.
Julia Shaver
 May 31st, 2013
This company needs to be investigated for nuisance.
 May 30th, 2013
I keep getting these calls from this company supposedly Bank Card Services. So many recorded messages that it is my final call to lower my interest. They call every week with this recorded message. If it's my final notice, why do they continue to call. I am on the Do Not Call List. Seems that's a waste of time. I pressed 2 to be removed from their list. Hopefully it will stop. I then called back to speak with a customer rep and it sent me to voice mail.
 May 30th, 2013
We got the call on our answering machine @ 10:00AM on the MEMORIAL DAY HOLIDAY! They have called MANY times before over the last 5-6 years. Always a 'PARTIAL' message on the machine or even when you answer yourself.

Other numbers they use are:


Not to mention DOZENS of OTHER numbers in different area codes and exchanges, as well.

ALL are SPOOFED (FAKE, to cover up the REAL number) NUMBERS.

Time to send the Navy Seals into JAMAICA, the DOMNICAN REPUBLIC, NIGERIA and other such places, smoke them out and ANNIHILATE these SCUMBAG THIEVES.
Caller: "BANK CARD SVCS" on Caller ID
Call Type: Telemarketer
 May 28th, 2013
I work from home; had a work-related call when this call from 616.613.2100 came in. My voice mail took the message, which is (in part): "... so press 1 now to take advantage of this today." Because it came in on my voice mail, I didn't get to see the Caller ID, which is why I put a question mark in the field above. You might note that I reported this back on 05/13/2013 (they had called me twice: 04/18/2013 and 05/06/2013), and now again today, 05/23/2013. Ruthe's comment below mentioned that "this is your final notice"; if that's the case, I should never have received this call today since I had two previous "final notices"!
 May 23rd, 2013
Had this number for five days and 2nd call is a solicitation. Great.
 May 20th, 2013
Last chance to get lower interest rate on my card. (Not trustworthy)
 May 17th, 2013
Final notice to save on some credit card interest deal.
 May 17th, 2013
Bank Card Srvcs. Recorded message " changes before the next billing cycle. Again, this is your final notice" [devoutly to be wished!] "as it relates to the financial stimulus. So press one now to take advantage of this today."

As with all of you, keep getting call after call from this and other numbers with this caller ID. Thanks Who Called and Why for all the information. I've done the "paperwork" on the ftc site but it sometimes seems like a waste of time. And I usually report to DNC for all the good that does. But, when I get mad enough ....

And, for those of you who asked, you can use your computer to get calls and/or block area codes as someone else said.

Or buy a wireless phone that you can assign ring tones to (like 1 for family number, 2 for other phone numbers of people I KNOW, 3 for pests, none for all those other guys .... :-) ). Some phones (Panasonic) also have stems that flash colors and you can assign different colors to numbers in your phone book. (green for family, yellow for friends, red for pests, no color for phone numbers that aren't in the phone's book - easy to see at a glance if you want to get up to answer!). OR NEVER answer the phone - screen your calls by listening for messages or reading the caller ID. If it's someone that WANTS to talk to you, they'll leave a message. And answering machines are VERY inexpensive - you can often get them at a thrift store.
 May 15th, 2013
I received two calls from these people from telephone number 616.613.2100. The first call came on 04/18/2013 - 2pm from 'Lower Interest'. The second call came on 05/06/2013 - 6pm from 'Bank Card Srvcs'. Who are they really? And if they are legitimate, why don't they leave a voice mail message?
 May 13th, 2013
This number 616-613-2100 came through on caller ID as Bank Card Services. When I answered it was an automated robot telling me that this was the second attempt they have tried contacting me and that they needed to discuss my account. I thought they were from my card company so I called. The first thing I asked, was what company is this? They hung up on me. When I called back, they put me to voice mail. I reported this company. You should too. At first they come across as your credit card company, but who knows what they're really up to. Surely, no good.
Report it at
Report it at
 May 08th, 2013
Jeanne Ratigan
 Apr 29th, 2013
Recording was talking before my machine started recording. What my machine recorded was "....notice to lower your credit card interest rate & payments. Press 1 now to find out the trem conditions & assoc changes B4 the next billing cycle. Again this is your final notice as it relates to the financial stimulas. So press 1 now to take advantage of this today."
Card Services. Same woman's voice recording as I got from 616-613-2100
 Apr 26th, 2013
Rachel is alive and well. Blocked via Ooma blacklist.
 Apr 12th, 2013
Mosaic Networx is who is behind the curtain.
Tom Wierimaa is the name on the business license in most of the states they are
Patrick the lawyer who writes the license
 Apr 04th, 2013
Received 2 calls on the same ay from this number an a number I think is related 616-613-2100). Will report this number also to the ftc (see below). Maybe if we keep reporting this scum we'll get some of them prosecuted.
Dana W.
 Mar 27th, 2013
Based on reports from others here is another number to report to the (see below for irections). Hope since I'm reporting all these people that something will be done to stop them.
Dana W.
 Mar 27th, 2013
2-3 calls a week for ever!!! they hang up when you ask them questions. Do they generate a lot of business? they also change the number they call from on a regular basis.
 Mar 26th, 2013
Call the # back and you will get a recording giving you the option of pressing 1 and talking to someone to "lower your interest rate" or you can press 2 and be placed on their do not call list. Hope it works!
 Mar 26th, 2013
 Mar 22nd, 2013
Daily calls over a few months. Two calls today.
Anne Brown
 Mar 21st, 2013
Why do we fund the FTC and FCC and the rest of the government when it is so easy to block these calls after about 10 minutes? Waste of a government agency.... I can cut 10% today and no change in "services".
 Mar 20th, 2013
Never answer these. Where is the FCC when you need them?
 Mar 20th, 2013
They claim they can lower interest rates. The caller claimed an affiliation with "". They lied (that domain is owned by JP Morgan Chase).
 Mar 19th, 2013
I got 6 calls at 9:05 am had my cell off so didnt hear it. If they dont hear you say do not call list they dont have to put you on it. That is why they hang up so fast if you get it out they have to put you on the list. Next time Im gonna yell do not call list fast and hang up. I hope it works.
 Mar 17th, 2013
I am on "no call list" #973-589-6684. Stop calling or I will take further acctions
 Mar 15th, 2013
Card services booo
 Mar 15th, 2013
I get between two and ten calls a week !!! Please shut these people DOWN. I'm on the DO NOT CALL LIST this didn't help either. Their very rude and have called as late as nine at night !!!!
 Mar 14th, 2013
Recording, not able to catch it
 Mar 12th, 2013
I pushed 1 and asked to have my # removed from their list. The guy, who had greeted me with a question about the size of my outstanding loan balance, immediately hung up.
 Mar 11th, 2013
Unsolicited call to cell phone to lower interest rate on credit card; never gave company name or option to opt out.
 Mar 08th, 2013
Simple, i don't respond those calls
 Mar 07th, 2013
Pressed 1 TO stop the message and they answered when I told them to remove me from the call list they hung up on me
 Mar 07th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
It's great when you push "1" and then talk to them & they hang up!!!
 Mar 06th, 2013
On DNC list and of course they ignore it. I've learned to block area codes.
 Mar 06th, 2013
When you get the live person, just blow a whistle as loud as you can until they hang up. It stops the calls for a couple of weeks and it makes me happy!
 Mar 06th, 2013
Filed complaint after 'operator' told me that I could "kiss his ass" when asked about company name, pheen number, address
 Mar 05th, 2013
Say they are with Card Services, but won't say what company. Very unprofessional on phone. Scam artists.
 Mar 05th, 2013
Credit card scam - probably a ruse to steal your identity.
 Mar 02nd, 2013
Reported as a DNCL violation.
 Feb 28th, 2013
i get this call numerous times a week. have option to remove from calling(have done this option many times), or speak to a rep. i ask the rep the name of company, they always hang up. i am on the do not call list.
 Feb 26th, 2013
Received a call for the 2nd time in three days from 616-613-2100, caller ID says lower interest. I am on the No Call List. Why do I keep getting these calls.
Vivian Durham
 Feb 26th, 2013
They phone us several times a wk although we are on the Do Not Call list.
 Feb 20th, 2013
Previous folks have posted that they were told "This is the LAST day" to take advantage of Yadda, Yadda. Interesting, because here it is Feb. 19th,... and it's STILL the last day! surprise.
 Feb 19th, 2013
I pushed 1 and a guy came on and I asked him if they have a do not call list, and he immediately hung up on me.
 Feb 14th, 2013
I have been getting calls about lowering my interest rate on my credit cards. I did push #1 to speak to someone -- His name was Sean -- I asked to speak to a supervisor -- he said 'wait one moment' while I waited I could hear people talking. He then came on the line again and I politely asked to be taken off their calling list -- he slammed the phone down. Very unprofessional.
Martha A. Smith
 Feb 14th, 2013
I got a message from this number too!! They were saying call now so i don't miss out on the stimulus package. Today is the LAST day!! Really??? Then why is this the same call for the last 2 weeks??
The caller id shows it as "out of area". I won't answer calls from numbers i don't know.
 Feb 14th, 2013
Mon 2/11/13 3:56pm called my cell phone. I did not answer. I called the number back and got a recording "Welcome to our Customer Communications Management Platform. It is likely one of our representatives contacted you.......
 Feb 11th, 2013
Buy a phone with a call blocking feature. There's no way to stop these calls from being sent to your phone but, once you program a an unwanted, they will get stopped in mid-ring.
 Feb 09th, 2013
This number calls me almost everyday and i know of no way to stop Them, they are forever harassing me with their calls. Please is there anyway to block or stop these calls. Being on the do not call list doesn't mean anything to solicitors or of course scammers
 Feb 07th, 2013
Woke me up. Didn't answer. Why can't this crap be stopped?
 Feb 07th, 2013
From the FBI website:

Mass Marketing Fraud
General Overview
Mass marketing fraud is a general term for frauds which exploit mass-communication media, such as telemarketing, mass mailings, and the Internet. Since the 1930s, mass marketing has been a widely accepted and exercised practice. Advances in telecommunications and financial services technologies have further served to spur growth in mass marketing, both for legitimate business purposes as well as for the perpetration of consumer frauds. They share a common theme: the use of false and/or deceptive representations to induce potential victims to make advance fee-type payments to fraud perpetrators. Although there are no comprehensive statistics on the subject, it is estimated mass marketing frauds victimize millions of Americans each year and generate losses in the hundreds of millions of dollars. The following is a brief description of some of the key concepts and schemes associated with the mass marketing/advance fee fraud crime problem.

Advance Fee Fraud: This category of fraud encompasses a broad variety of schemes which are designed to induce their victims into remitting upfront payments in exchange for the promise of goods, services, and/or prizes.

The predominantly transnational nature of the mass marketing fraud crime problem presents significant impediments to effective investigation by any single agency or national jurisdiction. Typically, victims will reside in one or more countries, perpetrators will operate from another, and the financial/money services infrastructure of numerous additional countries are utilized for the rapid movement and laundering of funds. For these reasons, the FBI is uniquely positioned to assist in the investigation of these frauds through its network of legal attaché (legat) offices located in over 60 U.S. Embassies around the world. By leveraging its global presence and network of liaison contacts, the FBI has successfully cooperated with other domestic and foreign law enforcement agencies to combat, disrupt, and dismantle international mass marketing fraud groups. The FBI participates in the International Mass Marketing Fraud Working Group (IMMFWG), a multi-agency working group established to facilitate the multi-national exchange of information and intelligence, the coordination of cross-border operational matters, and the enhancement of public awareness of international mass marketing fraud schemes. The current membership of the IMMFWG consists of law enforcement, regulatory, and consumer protection agencies from seven countries, including Australia, Belgium, Canada, the Netherlands, Nigeria, the United Kingdom, and the United States.

Despite the best interagency enforcement efforts to combat mass marketing fraud, the FBI remains cognizant of the fact that the only enduring remedy for this crime problem lies in consumer education and fraud prevention programs. Toward this end, the FBI has not only produced its own mass marketing fraud prevention materials, but coordinates on other public information efforts with the DOJ, FTC, and the USPIS, among others. The FBI also supports a consumer fraud prevention website in conjunction with the USPIS which can be located on the web at: Additionally, further information on mass marketing fraud schemes can be found at,,, and

Any criminal activity can be reported to the FBI here:
Report it at
Report it at
People should continually file complaints with their Attorney Generals office.
Who Called
 Jan 31st, 2013
Nothing that you do will stop them from calling you. The major players behind this have made millions of dollars, which means that they are too big to fail.
One of the major players specializes in aiding the rich with tax evasion and shell corporations set up in Belize. You can bet that the well to do in this country are not getting lower your credit card interest rate calls and due to that fact our government just considers a few phone calls a minor annoyance.
The FCC has temporarily halted 5 of the minor unprofitable boiler rooms. They will receive a slap on the wrist and be back at it within a few days.

In the meantime the calls will continue since the major money is being made with what is called a CNAM revenue-sharing program through companies like and
In their own words: 'Every day your company makes thousands of outbound phone calls. Every one of those calls generates revenue for many companies, why not yours? Our CNAM revenue-sharing program helps you make money every time a Caller ID request is made by a phone carrier. A high-traffic call center can lose hundreds to thousands of dollars a day to phone carriers by allowing them to charge for access to your own data.'

You can now see why the criminals keep calling even though they know you won't fall for their scam. They are making money even if you don't answer the phone. If someone does make 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. The only way to stop this is to contact the FBI and ask why this crime family is allowed to operate and facilitate the ongoing criminal operations. This is one of the reasons that the RICO act was put in place, so why aren't they using it. Is this because this isn't a high profile, news worthy operation or is the FBI too understaffed and busy with Homeland Security issues. Maybe if we were rich they would take this seriously, but then if we were rich we would be using that criminal organizations services and protecting them instead of trying to shut them down. It is alleged that they launder money from Pacific Telecom through a trust bank account in Oregon and into foreign accounts at Scotiabank in Belize and other destinations.

Why hasn't the FBI used the RICO act and gone after this organization? On October 15, 1970, the Racketeer Influenced and Corrupt Organizations Act (18 U.S.C. §§ 1961–1968), commonly referred to as the 'RICO Act', became United States law. The RICO Act allowed law enforcement to charge a person or group of people with racketeering, defined as committing multiple violations of certain varieties within a ten-year period. The purpose of the RICO Act was stated as 'the elimination of the infiltration of organized crime and racketeering into legitimate organizations operating in interstate commerce'. S.Rep. No. 617, 91st Cong., 1st Sess. 76 (1968). However, the statute is sufficiently broad to encompass illegal activities relating to any enterprise affecting interstate or foreign commerce.

Any criminal activity can be reported to the FBI here:

What To Do When You Get an Illegal Robocall;
1. Hang Up. Do not press 1 or any other numbers to get off the list and NEVER call them back
2. Consider blocking the number or on a cell phone add it to a contact list and assign NO ring tone
3. Report it at
4. Report it at
5. People should continually file complaints with their Attorney Generals office
Register your phone numbers online at or call 888-382-1222 (must call from # you want removed).

There is a blog site that has information on one of these operations:
 Jan 31st, 2013
Added the number to the 'black list' for Kaspersky on my smartphone. I don't even HAVE any credit cards.
 Jan 26th, 2013
I got a call on my cell phone from these people. My number is on both the Wisc. and Federal "DO NOT CALL" lists. They even left me a voicemail - when I listened all I heard was "to take advantage of this special offer now, press 1" SO ANNOYING!!!
 Jan 25th, 2013
Recorded message, very annoying!
 Jan 23rd, 2013
Some jerk just called me. I'm on the don't call list. I hate scammers.
scammers suck
 Jan 23rd, 2013
I am on the DND list but for several months I received numerous calls from other numbers with the Caller ID "Card Services" and the same message as the recorded message that played from this number. I think they just switched numbers after there were several complaints to the FTC.
 Jan 21st, 2013
These callers are calling illegally because they are not offerring a legal service - they are all SCAMS.
Never answer or give them any information.
Hates scammers
 Jan 17th, 2013
Card Services keeps calling and calling and calling. My number has been on the DNC list for many years, yet Card Services seems they are exempt from Federal Law concerning the privacy of individuals who don't want these calls. If I want to purchase a service, I will go through the phone book - I don't need idiots calling me all the time. It's against the law and its high time that this harassment stops once and for all.
 Jan 17th, 2013