credit
card
services
interest
rachel
lower
rate
ftc
complaint
wrong
holder
i have received many calls wanting to lower my credit card interest rates and when i request to be taken from their call list they disconnect. calling back only gets electronic noise
bruce
 Sep 01st, 2012
Who makes these calls!
RW
 Aug 22nd, 2012
hang up as alwasy and found out they are not good
ben
 Jul 26th, 2012
"lower your interest rate" scam call. no opt out option on the menu.
Eric
 Jun 07th, 2012
Rachel is using 6 different phone numbers folks, and the Attorney Generals of several states have told me there is NOTHING they can do Rachel simply changes numbers every 2 weeks. Verizon will do NOTHING because they make money selling thousands of numbers to scammers in Hong Kong, who then re-sell the numbers to Rachel. There is no way to find out who the scammers are in Hong Kong. However......
You can call your Congressman EVERY DAY, that's what I do. State and Federal, and I suggest you do it too. Call them every day, they'll get tired of it.
The DO Not Call registry is a joke, it has never worked, it's just a way to vent. I have been keep extensive records, and the Do Not Call program DO Not Work
timbo
 Jun 06th, 2012
Guess Rachel didn't get caught by the FTC yet. She still trying to lower my credit card interest rate. This is the third call from the same phony phone number. Sorry about the pun. Rachel made me do it. Anyway I'm off to the FTC site again to file another complaint. Maybe someday the FTC will actually make Rachels statement about this being the last call I receive from Card Holder Services, a reality. Unfortunately another reality is that they must be making big bucks from some people otherwise it wouldn't be worth making the calls.
Craig
 Apr 19th, 2012
Seems that I was wrong about Rachel. I got a second call from the same number on 03/25/12. I did pick up on the call but the line was dead. Hmmmm, maybe the FTC caught them in the act and shut them down before they could complete the call. Probably dreaming but who knows. Got to keep positive thoughts.
Craig
 Mar 26th, 2012
Yet another call for Rachel at Card Holder Services. She says there is currently nothing wrong with my credit card but they are offering a lower interest rate. Guess it's time to make another complaint to the FTC although it could be a major challenge for them as Rachel and Card Holder Services seems to be a moving target. Don't think I've ever received a call from Rachel from the same phone number. Wonder if she is on the run trying to keep 1 step ahead of the FTC although it is more likely they are spoofing their caller ID information. Got to be technology available to trace these calls back to their source. The thing that is really amazing is that they must be making a profit by finding people who actually fall for this scam otherwise there wouldn't be any reason for them to continue the calls.
Craig
 Feb 26th, 2012
The company calling is Card Member Services. They are based in Atlanta Georgia. I got a call from another number out of Texas 972-300-0001), the person identified herself as Sara. I asked for a last name, she told me Marshall. I asked for a toll free number to call the main office and where were they based. She said Atlanta and 800-847-2911. This was the first rep who seemed to listen to what I had to say and that was plenty about the company she works for scamming people. She was surprised when I informed her my phone is on the "do not call registry" and that I don't even have a credit card.
Steph
 Feb 17th, 2012
Caller refused to take us off their calling list until we listened to their pitch. He was very rude and I'm sure they won't be taking us off the list. They sure seemed to enjoy the phone call.
Ronda
 Jan 31st, 2012
These idiots call and try to tell they know your credit is good, so they want to give you a lower interest rate. I told the crook to get a real job and he hung up on me. It never does any good, but I'm turning them in to the DoNotCall.gov site.
MarketerHater
 Dec 29th, 2011
ditto
me
 Nov 19th, 2011
There was a robo call yesterday to my house some business about reducing credit card payments. It sounded really sketchy to me.
rb
 Sep 18th, 2011
These calls have started again... Automated/pre-recorded... "Hi, this is Rachel from card holder services. There is nothing wrong with your account." Then it goes on to say something about lowering interest rates on my credit cards. I have hit the button to "talk to a live operator' and told them I don't have any credit cards, filed bankruptcy, remove my number, and 'can you say lawsuit?' The person asked me why I would sue my credit card company. I said, "I do not have any credit cards, filed bankruptcy...let me talk to your supervisor..." *dial tone* When I did deal with CitiCards/CitiBank, I actually talked to a Rachel, who sounded like this one, about trying to work something out. A bit too late, eh? I am on the DNC list!
KatatonickKat
 Sep 01st, 2011
same recoding from rachel, at cardholder services.
Ted
 Aug 03rd, 2011
called around 6 pm EST. Recorded message from Credit Services. Will report to Government DNC List. Do the same.
VigilantUser
 Aug 01st, 2011
HAVE RECIEVED SEVERAL CALLS FROM SAME NUMBER AFTER TELLING THEM WE ARE ON NO CALL LIST. TODAY CALLER CALLED MY WIFE A VULGAR NAME. I WILL BE FILLING A COMPLAINT WITH THE ATTORNEY GENERAL AND FTC.
RAY
 Jun 19th, 2011
had something to do with lowering credit card debt or something to that effect. i hung up on them
Michelle
 Jun 05th, 2011

18 Comments