Meet Rachel… Anne…Tiffany… from Card Holder Services


cc licensed ( BY NC SD ) flickr photo shared by cobalt123

Despite years of reporting this to DoNotCall, requesting help from my Congressional Representative, reading stories that these robo call spammers were stopped, it continues- now under the deceptive company name of “Consumer Law”- why can’t the NAS and FBI spend some of their effort pursuing these law breakers instead of spying on citizens? Notes continue to be added at the end o this post.

I am hoping the FCC can spray this one down. I am not hopeful. Every three weeks or so, Rachel, a recording, calls from random numbers around the US. She must get around. She keeps telling me this is the last time to get this offer from Card Member Services to lower the rate on my credit card.

She pretty much has take over for Cathy, who has been at this since 2008

When I wait to speak to a representative, as just happened an hour ago, I request to be taken off their calling list, Then they hang up on me. I’ve had about 20 of these this year, and each time I dutifully file a complaint at http://donotcall.gov. I have never done business with this company, and from what I understand, the government should be able to hit them up for a nice fine.

I am hardly alone

I did some googling and found this web site which seems to be associated with First USA Bank which is kind of dodgy since they do not seem to be even a bank according to Google. I went to their Contact Us page (more sketchy as their address is a PO box in delaware), and found a toll free number to call (1-877-999-3872 also reports as suspicious).

I called them (recording below) and got a phone menu with not many options to get to a human. I finally get generally enquiries and here’s where it gets funky – I found out I was speaking to someone at Chase Bank who had no clue why their number was connected to Card Member Services.

CogDog Sniffing Out Card Member Services

So its another dead end.

Where is our government agents on this? These folks are obviously scamming people to sign up for credit cards or at least reveal card debt information. They are clearly in violation of the FCC rules on unsolicited phone calling. They are clearly violating the Do Not Call guidelines.

Can it really be that hard to track down these roaches? I’d sure like to give them a kick with the steel toed boots.

FWIW, I am starting my own public log of these calls:

I am doubtful anything will happen, but from now on I am going to do what I can to phoen freak ‘em back because they are messing with the wrong dog.


cc licensed ( BY NC ) flickr photo shared by TomConger

UPDATE: August 30, 2012 Just got a robo spam call from Rachel, 10 days since the previous one. Since my congressman is always writing about what he is doing, I thought I’d ask for help:

(click for full size)

UPDATE Nov 15, 2012: I guess Rachel was fired, she was replaced by Anne, who called several times, from Wahpeton North Dakota and Kent Washington. When I called back te last number I was SPAMMED from (253)-236-2156 a computer generated voice claimed that to comply with FCC regulations, I could enter my phone number to be removed form their call list. This should mean if Anne or Rachel or Any Other MF-er from this company calls me again, they are in clear violation of FCC rules (which they have been for years). Here is proof of my compliance:

Anne Please Stop Calling Me! You Promise?

UPDATE Dec 18, 2012: Anne is gone, now the name is Tiffany (who sounds just like Anne and Rachel). She said I could press 3 to be taken off their list, but when I did that she just hung up on me.

UPDATE Jan 4, 2012: Tiffany called again, she called twice since the first of the year, but I missed her calls. This one I recorded. It’s kind of funny how this “limited time offer” has been going on for years. I did press “1” to try and speak to a human being and ask again to be take off their list. Nothing happened. I filed yet another complaint with http://donotcall.gov but I have zero faith that anything comes from that.

Tiffany called again!

UPDATE Jan 9, 2012 According to a November 2012 Story in the Christian Science Monitor, 5 of the companies behind Rachel were taken down (that makes sense why the bitch returned as “Anne” and now “Tiffany”

According to the FTC press release:

“At the FTC, Rachel from Cardholder Services is public enemy number one,” said FTC Chairman Jon Leibowitz. “We’re cracking down on illegal robocalls by bringing law enforcement actions and pursuing technical solutions to the problem.”

Rachel is gone, now aim those FTC sites in Anne and Tiffany, ok?

UPDATE Dec 5, 2012: Received a few letters and calls in response from my US Congressional Representative, Paul Gosar, to whom I wrote a letter of complaint some months ago. They suggested reporting to DoNotCall (not useful) but did send some info pointing to efforts the FCC was doing with robospammers. Bottom line- no one can do much to stop them.

UPDATE Jan 18, 2013: Rachel is back from the dead. She moved to Alberta or British Columbia, I get calls from both. Will the FTC call some Mounties to ride their mooses out there and bring her in? Oh she is a slippery b****.

UPDATE Jan 29, 2013: A commenter shared a little tidbit when he tried to goad the person on the other end. Dana gets rather loud and says bad words at the end.

Dana is Not Nice

UPDATE June 8, 2013 And they are back! Two calls in a month. Now her name is Kelly, and her new company name is the cleverly slippery name “Consumer Law”- same ole robo calls from numbers that cannot be redialed. Hey, NSA, use some PRISM to find these bastards!

UPDATE Nov 18, 2013 It’s been a quiet few months, only a handful of robo spam calls, but guess who is back doing the robo spam calls? Yep, the original, the only and only Rachel. Now she is in Tennessee. The FCC is totally useless.

UPDATE Dec 27, 2013 Now Anne is back on the calls. She has called three times in a week. On one occasion I waited for the operator, and used a slow fake voice at every question to say, “WHAAAAAAAT?” After 3 questions, the operator cussed me out in Spanish and hung up.

UPDATE Jan 6, 2014 They finally got a guy recording the calls; his name is Scott. Same sales pitch, except a new twist of lying- he states that Credit Card Services is a non-profit company. It’s time to keep a recorder nearby handy so I can record these intrusions of my privacy.

UPDATE Jan 10, 2014 A call came in bearing the same number and location (McPherson, Kansas) as one in December, so I did not answer. I do not know anyone in McPherson, or actually all of Kansas, who would call me. Its interesting they are repeating use of numbers. You can test these, by calling back, and you will get an error message about the number not being allocated:

Now here is something the deadbeats in DC ought to be having the FTC cracking down on the phone companies- no one should be able to transmit phone calls from an un-allocated number. Well, that’s what I think.

UPDATE Jan 28, 2014 There have been at least 4 more calls since last report from unidentified numbers, from cities I do not know people. Today I managed to turn on my audio recorder. When the operator answered, I was asked how much credit I need help with. To engage the call, I said “So much I do not even know.” There was a 3 second pause, and then he hung up on me. My hunch is that they have records on my phone number and how I am probably combative. This means they have records of numbers called. This means they are breaking the law. Reported again to DoNotCall, for what little that ever does.

UPDATE Feb 4, 2014 Someone new on the recording, “Heather” from “Account Services”, same offer. There was an option to press 2 to stop receiving notices. Yeah, like that does anything. I pressed that many times over the last few years. Reported yet once again to donotcall.gov Also, about a week ago I got a call back from the office of my congressional representative, Paul Gosar I contacted him a second time reporting this as a nuisance and a violation of FCC rules. I was told there is really nothing they can do. Sigh.

UPDATE Feb 12, 2014 Holy cow, “Barbara” from Credit Card Services sounds like a MAN! But she’s got the same recorded message going that I have hear maybe 100 times. Reported to DonotCall.gov which frankly is a waste of time and I am done doing that.

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Meet Rachel… Anne…Tiffany… from Card Holder Services by CogDogBlog, unless otherwise expressly stated, is licensed under a Creative Commons Attribution-ShareAlike 3.0 Unported License.

43 Responses to “Meet Rachel… Anne…Tiffany… from Card Holder Services”

  1. Barbara says:

    Good for you. I spent most of last summer trying to track down these calls at my parents’ house. My folks are elderly and any incoming call is a potential new best friend as far as they are concerned and my dad got suckered into far too many scams just by answering the phone.

    I wrote about it here: http://barbarasawhill.net/2011/07/08/scamming-the-elderly/

    The other phone scam that is particularly evil (and targeted at the elderly) is the “Hello this is the US Embassy in XXXX and we have your grandson and he needs money.” My mom has received a couple of those this year.

    There are some mean, evil people out there.

    Keep up the good fight!

    Woof!

    • Michael Lonewolf says:

      Rachel is at it again, this time she’s spoofing you own phone number. This can be taken to your phone company now, as well as local police. I suggest 1st contacting your phone company and ask them to trace the last call (call right after you hang up on Rachel). If you have the service included with your landline, they would do it and send you the true information. (cost:$5.95 for the trace. (Well worth the cost.)) They will then do a trace to the real number and give it to you. 2nd way (free) same as above call your local PD, and they will dispatch an officer, who will then from your residence call into the local phone company, and they will trace it to the computer I.P.address, and get the name of the ISP (Internet Server Provider. Contact them with the I.P. Address, and time the offense happened, and get that person’s real name, address, city, and state (If outside your state.) You will fill out a complaint and then your police department will contact the one in that city/town and will request a arrest warrant be issued, and the person picked up. (NOTICE: This only applies if the caller(s) is within the United States.) Elsewise you can contact the state department with the information you have gathered and have a complaint submitted to the country where the caller called from.

  2. Planetann says:

    You have described my own experience exactly. Lately, I hang on to talk to a rep and then try to creep them out with some crazy talk. Not necessarily effective but allows me “process” some things…

  3. Goober says:

    If I have the time, I try to talk to a representative and keep him or her on the phone as long as possible.

    Sometimes I tell the rep I have to go find my credit card and it will take a couple of minutes, then I set the phone next to a computer speaker and play porn sounds (from a free porn video website) for them to listen to.

    My record is 13 minutes 30 seconds. I’ve found that the key to keeping them on the phone for a long time is to make them think I’m seriously considering doing what they want. I always start out skeptical and get them to try out their sales pitch – so they are more vested personally in the outcome.

  4. ej hranicka says:

    I’ve been getting these calls (last one on 11/13/12 at 900AM) for quite a while. I’ve tried everything, been sworn at hung up on, told I had a bad phone, needed a new phone (to stop getting these calls), pressed one, pressed nine all to no avail. So, I took another persons advice a while back and went to the dollar store and purchased an air-horn. I press whatever key to speak with the Rep and give them a toot. I still get calls but it is more entertaining now, giving back a little

  5. I hate card holder services they are POS’S

  6. Tiffany says:

    Same people have called me for years even before I ever had a credit card! Just want them to stop calling!

  7. Kevin Averett says:

    In hopes of stopping cals from “CardHolder Services”, and since reading blogs claiming that “CardHolder Services” has relocated overseas to avoid prosecution…. I GOT WITH AT&T and have had them shut off any international calls…..SURE HOPE IT WORKS!!!!!

  8. Jean says:

    I’ve been getting these calls for at least 6 years, with one move and phone # change. Just today I started looking around online for more info. There was lots of hoopla about FTC action last fall, shut down (supposedly) 5 of them.
    I also found this, now closed, contest seeking ideas.
    http://robocall.challenge.gov/
    The best idea I’ve seen was a lawyer who was planning to give a card #, follow up on who collects, and then file suit. I like that idea, but have no intention of trying that at home.

  9. Chris says:

    I’ve been dealing with these calls for years (they only increase the more you press 1 and talk to them, so be warned of that).

    Like others, if I have the time I will talk to the rep and waste as much of their time as humanly possible. I’ve done this for well in excess of 30 minutes on several occasions (observing their rise in frustration levels throughout the call is really a treat). I strongly recommend using something like the following site to quickly generate an alias and few fake credit cards to use, bonus points when the card number in question is a debit card (they will get really frustrated with this).

    http://www.fakenamegenerator.com/

    There doesn’t seem to be much we can do about this. The FCC claims to care but is largely powerless to do anything (that much is apparent) and no pleas to local law enforcement or any political figure that I’ve ever reached out to has resulted in anything other than: “Sorry, we can’t help you. You should change your phone number.”

    I’m not going to change my phone number, I might however consider suing my phone service provider for colluding with Cardmember services to try and up-sell me on call blocking features I shouldn’t have to pay for, however.

    • Jenny says:

      When I have nothing to do I waste their time too. For example, I say I need to find my wallet to get the number then I play some computer games. Then say it must be in my husbands car so I need to call him. They say they will gladly wait. Then I start laundry. Back to phone to then say I am on hold as he is in a meeting. You get the idea. They also seem to put on mute until they hear me back on the line so I put the phone by the noisy running dishwasher so they get to listen to that. Oh yeah and since I am hard of hearing I make them repeat a lot, tell them to talk slowly and loudly which they do. In the end I tell them I know they are a scam which has been confirmed by the attorney generals office in my state and the a.g says there is nothing they can do. So in the meantime if I can waste their time calling innocent victims…I do.

      • TJofGPW says:

        Jenny.. I do the same thing, but I make it a game for myself (See how long I can keep these jerks on the phone). I’ll pretend to be feeble-minded and ask them to “patiently” wait as I look for my credit card and bank info… In one instance, I had a person on hold 4 different times as I made tea, sat down to watch a little TV, went to the bathroom (the tea, you know), and went outside to talk to my neighbor. Each time I “returned” the person was still holding… Near the end, I would let them have it with some choice language… finishing with “Now you know how it feels to have your )($#&(# time wasted, you $()&$#(!. Please DO NOT remove my number for your do-not-call list, because I WANT you to call me, so I can waste MORE of your time! Childish of me? of course. But I decided that instead of being ticked off and frustrated because the GOV/FCC can’t or won’t do anything about it, I may as well turn this into a sick, if not sadistic diversion for my amusement. And yes, I provide a service by tying these $*)&)(&$ from calling more people than they otherwise would.

        • I tried to play along when they called recently, acting like I was interested, but they hung up on me within 30 seconds. My hunch is they track the numbers that play back at them (?). Since then, the frequency of calls has increased; I get more than one per week. I don’t even answer, just see unrecognized numbers left calls in my history. It’s not worth it to file it with DoNotCall because they DoNotDoAnything.

          The FCC will do nothing. I cannot believe that they cannot do more to track down these bastards. There has to be a money trail; they are taking money from the suckers who fall for the scam, and that money goes somewhere. There is always a trail.

          My Congressional [Un]Representative said so. I think pressure needs to be put on the carriers. They are allowing transmissions across their systems from phone numbers which are not in service.

  10. Joe says:

    For what it’s worth, First USA was a real credit card company in the ’90s, and I had a card with them. They were bought by Bank One, which in turn was bought by Chase. I still have a card with Chase through this chain of acquisitions. I wonder if they let the ‘firstusa.com’ domain go inactive and it was picked up by these scammers?

    However, I use an email alias service that allows me to give a unique email address to each company I do business with. I recently received spam from ‘cardmember services’, linking to the firstusa.com domain, on the email address I use for Chase. Since this email address is only used with Chase, it is clear that ‘cardmember services’ has access to Chase’s customer database.

    Perhaps they just buy the data from Chase through Chase’s marketing arm, though I keep my ‘privacy choices’ up to date and as tight as I can get them so they should not be selling my data. This selling of marketing data is yet another scam that all the credit card companies are in on, and they aggressively lobby for rules that make it as hard as possible for customers to block the selling of their data.

    Chase uses ‘Cardmember Services’ to refer to their customer services branch, but does not appear to own the business name ‘Cardmember Services’.

  11. Joeshico says:

    Card Member Services is accredited by Visa and MC. Why don’t authorities go after them?
    Your story is the same as mine, although it has been three months since I last heard from them, until today. Today, I pressed one to talk to a rep and as soon as I mentioned No Call Registry she hung up. As I always do, I sent in a complaint, but as you know, that is becoming a waste of time.

  12. Tim says:

    Last time they called me I just told them that if they didn’t stop I was going to hunt them down and kill them all. If they turn my a$$ in, then we will find out who they really are and where they are.

  13. Dan says:

    No way to stop them.

    What I do for fun is similar to the same thing other writers have mentioned … Keep them on the line as long as you can.

    If you say nothing … They seem to stay on about 30 seconds

    You can also try what we did in the old telemarketer dinner time days … When they make their pitch … Say “huh?” ….
    Each time they repeat … Say “huh?” Louder. See how many times they will try before hanging up.

    Or hand the phone to a toddler …

    Or … Say … “Wait a sec and let me get my mom!”
    Then set the phone by the tv

    Enjoy!

  14. john says:

    Just another example of govt Not working for people. Uncle Sambo is not here to protect its citizens in any way, just as your local authorities only want *super easy convictions*.

  15. John says:

    I am really disapointed in our enforcement agencies’ lack of ability to control this SPAM. This is exactly what they are paid to do! It seems the phone companies should be able to identify these robo scams and stop them as well. The phone companies ought to have some liability for allowing these illegal phone calls to transpire.

  16. Brenda says:

    I talked with Tiffany who qualified me for an interest rate reduction. Qualifications are: Have open credit card in good standing with at least $1000 credit available. She then passed me to Anthony Manello who processed a $995 charge to my credit card promising to reduce the interest rates on all of my credit cards once I have completed a membership profile in 7 to 10 business days.

    I don’t know if this is a scam or not but I pray that the $995 price tag at least stops the calls.

  17. Ryan says:

    This is also on the credit card companies, they have some obligation to stop scamming of their cards, I am tempted to give out a card with a $1000 credit limit and dispute the charges. The trick is setting up the card where they cannot get any personal information from the account.

    There is no real incentive for the phone companies to try to find them, they simply do not care it is using more minutes on their network. The government is mostly useless in these, but if credit card companies have to pay out for fraud enough, they will investigate. I know everyone likes to hate on financial institutions, but they can be an ally as we all know they hate losing money.

  18. Sam says:

    I HATE THESE PEOPLE!!!!! OMG they have been calling my cell for TWO FREAKING YEARS!!!!! WHY DOES THE GOV. NOT CRACK DOWN ON THESE SCUM BAGS???
    I swear on everything, If you can get me an address for these worthless slobs I will drive/fly to that call center and personally cut their phone lines. IT’S TIME FOR VIGILANTE JUSTICE!!!!
    They are an American company too with American workers- INSIDE AMERICA making these calls!! I would have a little more understanding if this was some India or Nigeria internet call scam, but my personal research shows they use landlines from AMERICAN phone companies in AMERICAN cities. WHY THE F CANT THE FBI, NSA, CIA, LOCAL PD’S, US MARSHALS, IRS, PUT AN END TO THIS MADNESS???
    I guess they would rather be harassing Johnny pot smoker (who’s hurting nobody but his brain) rather than stop REAL criminals that STEAL REAL MONEY from REAL innocent people.
    Our gov. is absolutely worthless. Any state AG that tells victims “sorry cant do anything” is a waste of human flesh.

  19. Carol says:

    I have been trying to locate the “real” Card Member Services company web site and phone number (I am sure a few other folks would like to find it as well). I would love to start a petition to flood their complaint lines/emails, but I do not want to target an incorrect company.

    A few years ago I had received info about what I thought was another spam company, contacted what I thought was that company, and they turned out to be a company with a very similar name suffering from the blow back of the spam company.

    I did eventually track down the correct spam company info, reported them, and shared the spam company info with the company that was often mistaken for them.

    Any ideas what the correct company name/info is for Card Member Services? And if we can verify?

  20. Ken says:

    I just had a call from them. I’m taking the number they called me from and going to put it on Terrorist websites all over the globe. namely Al Quaida, Let’s see how they like it.

    • I understand but that won’t do anything. The numbers that they appear to call from do not really exist (when you call back you get an error message).

      The question to ask the FCC and the Telecommunications industry is, “how does a system work that allow entities to call me who I cannot cal back?”

    • Ellie Hjemmet says:

      I also just got a call. I called the number on my caller ID. It was a local number. The woman who answered ALSO gets calls from Cardmember Services. She had not even used her phone today. I’ve been getting SEVERAL calls a week for about two years. So it is obvious your action, Ken, will not harm the real culprits. Just started to do some research and can see the writing on the wall, no action results in stopping this. (I have tried hanging up, being rude, asking to be taken off the list, just like everyone else. They always just hang up, and the stupid interruptions continue.) All I can do is hope you savy-er people who are smarter than me can finally find a way to block this. I am 70. This pisses me off to be so helpless to do anything useful. “Don’t Call” registry… Yeah… Right… as interested in protecting constituents as the rest of our corporate owned government.

  21. Greg says:

    I would be happy to get only one or two calls a week. These losers have been calling me EVERY single weekday for months now. I have tried everything from cussing them out to playing along to offering them a reward for turning in their company. I have even looked through ads online for telemarketing jobs to try to find the company. There have to be people who have worked for this company who would be willing to turn them in!

  22. rocco says:

    I have been getting these calls also people with indian(india)accents today they said card services and that my interest rates would be lowed just keep what iam doing and that my total credit card debt is 3000.00 well that is definatly not true when i told them that they hung up.Iam really getting worried about this 1st how they get my number second how in the hell when they called my phone number came up on caller id.Please help!!!!

    • Ward says:

      Don’t worry about it. Just don’t give out your credit card number to anyone, except when you are buying something online. They don’t know how much credit card debt you have or what your account number is. They’re just phishing. They could have gotten your phone number any of several ways. Your phone number coming up on your caller id was spoofed. They could have put any phone number on your caller id; they just used yours, maybe by mistake.

  23. Kathy says:

    My calls are now from BRENDA. She has been calling TWICE A DAY for the past week…and it was three times today.

    It comes in as a local number, but I cannot call them back. I’m just going to start hanging up immediately, because I think they’re calling more often when I press “1”…after which I whistle very loudly into the handset (that piercing whistle using your fingers).

    This is, of course, after asking them sooo many times to please take me off their list and stop calling…only to be hung up on.

    I’ve been getting these calls (started with Heather I think) for years. I think it stopped for a few months…but it’s back in full swing right now.

    • The FCC, FTC wont do anything. Your Congressional Rep cannot do anything.

      Don’t waste your time, just keep hanging up. Never talk to them. Just hang up. Its annoying, but you will just waste your time and energy.

  24. honesttalk says:

    Of course, I too have lost count of the number of times “Cardholder Services” has telephoned me.

    In addition, I assume many of the “dead line” pickups I experience are because of “Cardholder Services.”

    At first, I STUPIDLY was polite and pointed out that I was on the DO NOT CALL LIST.

    “Laughably Stupid” is probably more accurate.

    Next, I started “applying” for “relief” to waste their time.

    I now “press one” and “treat” the agent with a blasting radio. That does not help.

    I SUGGEST THAT EACH ONE OF YOU BEGIN TO APPLY FOR RELIEF AND GET AS FAR AS YOU CAN WITHOUT UNTIL THEY FIGURE OUT THAT YOU ARE GIVING FAKE INFORMATION. We too can waste people’s time.

  25. Rodney says:

    get these calls so frequently, that i am close to changing my phone number of 17+ years!! have already gotten 4 today(its 4:30p).

    now i make a game of it, and yank them around for a bit and waste thier time. I like when i get someone that you can tell is new(they are reading the flip chart at a slower rate than usual), and i really get them going. I found a credit card from 20 years ago, and give them that info(fake name and address) and invert a few numbers. after they try to validate i invert 2 other numbers, and they try again… sometimes this is a welcome break in the day. Since they are on the phone with me, they cannot rip off anyone else

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