If you want information on this scam and the people behind it I recommend checking out this website:  http://onthespotblog.com/the-hunt-for-rachel-at-cardholder-services/The players we know that are now involved, including names and cities are:Ambrosia Web Design LLC, Chris Ambrosia, Mesa, Arizona American Debt Negotiators, Ran David Barnea, Boca Raton, Florida Associated Accounting Specialists Inc., William R. Page, Port Saint Lucie, Florida Castle Rock Capital Management, Roy M. Cox, Laguna Niguel, California Concord Financial Advisors LLC, Lee Cestine, Mesa, Arizona Financial Services Solutions LLC, CEO Unknown, New York, New York PHL International, Mark Burton, Deerfield Beach, Florida Premiere Debt Solutions, CEO Unknown, Orlando, FloridaRed Leaf Capital LLC, Leroy Castine, Mesa, ArizonaI have received more than 150 (I have them documented) calls from these scum sucking criminals. I have filed more that 50 complaints with the FTC however due to the fact that they hide behind spoofed numbers I doubt that they will ever stop any of them. They ask for up front fees and charge your credit card without performing any services.A special thanks to a reply from MGD at dslreports.com which gives great insight as well:"Some on your list have already been the subject of FTC action, such as Roy M. Cox of Castle Rock Capital Management. Not surprisingly, many are habitual repeat offenders, and are the subject of multiple FTC actions. FTC action is grossly inadequate in these cases. The millions of unsolicited "Heather" "Rachel" et all, Card Services robo calls will not begin to subside until these criminals are charged with Federal Felonies, are convicted and subjected to significant jail time.Civil action by the FTC against such criminals is totally ineffective. All of those involved know that they are violating FTC regulations. The FTC prohibits unsolicited calls for any kind of debt / interest rate reductions which require up front fees, period, and that is what these robo calls are about. The FTC civil actions have been nothing more than whack-a-mole interference. Which is why numerous individuals are the subject of repeated actions, despite signing prior agreements that prohibit future involvement. 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. The entire operations are clearly criminal, intent to defraud, etc, and should be dealt with in criminal court and not by civil actions.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 another angle in the conversations. 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.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.In a follow up post I will document one group associated with the Rachel "Card Services" and the pond scum, including a lawyer behind one of the operations. Follow the money ..... track the recipients ... and take a close look at the processors and banks involved."

If you want information on this scam and the people behind it I recommend checking out this website:
 http://onthespotblog.com/the-hunt-for-rachel-at-cardholder-services/

The players we know that are now involved, including names and cities are:
Ambrosia Web Design LLC, Chris Ambrosia, Mesa, Arizona
American Debt Negotiators, Ran David Barnea, Boca Raton, Florida
Associated Accounting Specialists Inc., William R. Page, Port Saint Lucie, Florida
Castle Rock Capital Management, Roy M. Cox, Laguna Niguel, California
Concord Financial Advisors LLC, Lee Cestine, Mesa, Arizona
Financial Services Solutions LLC, CEO Unknown, New York, New York
PHL International, Mark Burton, Deerfield Beach, Florida
Premiere Debt Solutions, CEO Unknown, Orlando, Florida
Red Leaf Capital LLC, Leroy Castine, Mesa, Arizona

I have received more than 150 (I have them documented) calls from these scum sucking criminals. I have filed more that 50 complaints with the FTC however due to the fact that they hide behind spoofed numbers I doubt that they will ever stop any of them. They ask for up front fees and charge your credit card without performing any services.

A special thanks to a reply from MGD at dslreports.com which gives great insight as well:

"Some on your list have already been the subject of FTC action, such as Roy M. Cox of Castle Rock Capital Management. Not surprisingly, many are habitual repeat offenders, and are the subject of multiple FTC actions. FTC action is grossly inadequate in these cases. The millions of unsolicited "Heather" "Rachel" et all, Card Services robo calls will not begin to subside until these criminals are charged with Federal Felonies, are convicted and subjected to significant jail time.

Civil action by the FTC against such criminals is totally ineffective. All of those involved know that they are violating FTC regulations. The FTC prohibits unsolicited calls for any kind of debt / interest rate reductions which require up front fees, period, and that is what these robo calls are about. The FTC civil actions have been nothing more than whack-a-mole interference. Which is why numerous individuals are the subject of repeated actions, despite signing prior agreements that prohibit future involvement. 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. The entire operations are clearly criminal, intent to defraud, etc, and should be dealt with in criminal court and not by civil actions.

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 another angle in the conversations. 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.

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.

In a follow up post I will document one group associated with the Rachel "Card Services" and the pond scum, including a lawyer behind one of the operations. Follow the money ..... track the recipients ... and take a close look at the processors and banks involved."

I'm also on the DNC list, but not much good it's doing.

I do get many legit calls from this area code, so i picked it up. Normally I do not answer calls where i don't know the number.

This call today was a low-life telemarketer robocall with a recorded message trying to sell a way to lower interest rates on your credit card. It said "Press 9 to remove from list", which I did and the call ended, but I think all i did was verify for them that my phone number is valid, and the creeps will call again, probably from a different number.

When the revolution comes, telemarketers will be the first to be shot.

Those kind people offering to reduce my credit card load again.  Sigh, sorry I missed them.  They do work SOOOOOO  hard.

I give 2 chances to answer when I say hello then I hang up. I got no answer in time so I came to this site to find out who called. I am on the Do Not Call List like all the other complainers which means telemarketers in Canada are not supposed to call me. Is it possible someone who has access to the list is selling our numbers to fraudsters. I keep getting them in just as much since registering as before if not more. Obviously neither the govt. nor the police does nothing to stop these people and even hanging up on them doesn't stop them. It is the same credit card scam time after time just a different number and slightly different spiel.

Answered the phone and the pause before the (robo called) recorded message told me that it would be some criminal on the other end of the line.....

"This is an important message to all Canadians" ...if you agree to our credit scam, we will suck as much money out of you as we can before passing your name/number on to other criminals who will try to do the same thing.

This is a spoofed number and I suspect they match the area code to whatever region they are scamming today (like ... who picks up the phone anymore when the caller ID shows an out of area phone number, this meaning 99.99% of the time that the call is coming from some bottom feeders?)

I would never have answered the phone had the area code been something other than mine.

This criminal scam is so pervasive .... does anyone really fall for it anymore???

Give it up you bottom feeders and get an education and a real job!