Hey Rachel from Cardholder Services

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Let’s cut to the chase, Girlfriend.  You’re one annoying you-know-what.  And according to multiple lawsuits filed by the FTC, those robocalls you’re placing are big-time illegal.

We’ve got your number, Honey.  Your name isn’t Rachel.  You’re not affiliated with our credit card company.  And you can’t lower our interest rates to zero.  What you’re really up to is getting your hands on our credit card so you can bill us hundreds, maybe even thousands, for deceptively advertised “services” that don’t stand much of a chance of reducing our bills. In some cases, the FTC says you charged people even when they told you no dice.  Other times you billed them without bothering to disclose the hefty fees.  All this you did to people already struggling to make ends meet.

We tried to tell you nicely to quit calling, but you just didn’t take no — or the Telemarketing Sales Rule’s ban on robocalls like yours — for an answer.  So you took things to a new low, monkeying with Caller ID so we can’t even screen out your incessant calls.

So here’s the 411, Rachel.  Now that the FTC has filed lawsuits against a bunch of companies the agency says are behind your antics — Treasure Your Success, Ambrosia Web Design, A+ Financial Center, The Green Savers, and Key One Solutions — we’re hanging up on you.  And we’re not alone.  We’re working with law enforcement partners as part of a federal-state crackdown on illegal robocalls pitching deceptive credit card interest rate reduction schemes.

Thanks to temporary restraining orders issued by federal courts in Florida and Arizona, it’s TTFN, Rachel.  But we’ll continue the fight until it’s TTFEver.

Buh-bye.  (click)



CARD holder services are calling me one to three times a week!
Yes, they call me several times a week and now the calls are starting to come in on my cellphone. If it is my final call like they say shouldn't they not be calling me anymore. the other day when they called I punched in the number 1 and when they answered I literally screamed at the top of my lungs at them.
I get 4-5 calls per day on my cell phone. It really infuriates me
This card holders are calling me three to four times a day from my house phone to my cell phone and even using different telephone numbers I have asked them over and over again to stop calling. I have told them I'm not interested in their product. Both of my telephone numbers have been on the DO NOT CALL use and I still get the calls they are running me crazy.
Despite the FTC's settlements with these folks, they continue to call me repeatedly. Does anyone know what else we can do aside from registering ourselves on the Do Not Call Registry?

It’s helpful to learn today that this “Cardholder Services” is not a single company but a trend by many scammers. If someone thinks this is a single company, the new scammer calling with the same vague name can fool the consumer. Learning about the trend helped me: A new scammer uses a vague name that sounds like a department or service company for your bank when he doesn’t quite know what the name of your bank is. The scammer looks for a defensive response with this vague introduction, heavy accent and generalist business title that could be anything. A report of something that needs to be changed or verification puts the consumer on the defensive who delivers information. Now that I see the trend, if some party ever calls with this generalist name, Cardholder Services, Verification Services, I’ll know it’s just garbage and I’ll hang up. Anyone using a vague name will be a scam and complaining to them will just bring more problems. Report the incident to the FTC so they can track statistical trends.

The FTC touts success against Rachel, but she and her friends continue to call unimpeded. I would say she's even more active than before (3-4 calls/day). This is just another example of impotent government bureaucracy. I’m sure someone at the FTC got their hefty bonus based this success narative, but there aren't any real results on Main St. I don't want to read anymore FTC success stories about Rachel until the calls actually stop.
I guess getting a conviction much less making the law is about as good the toilet paper it was written on.

I am getting 4-5 calls a day. Please make it stop!

If there is a class action law suit or a judgement against these scum bags I want in on it - I've been receiving harassing calls from these criminals for about 7 years now and quite frankly I don't condone mass murder except where these people are concerned ! I would like to see them bleed up close and personnal !

Love the fact that now "Rachel" has found a way around the "Blocked" number and spoofed my own number....Now "Rachel" from Card Holder Services calls me using my own name and number...that's right folks....when the phone rings it is MY name and MY number on the Caller ID.....

Isn't this stalking?? I don't like Rachel and I never even met the B....

I find it amusing (and extremely frustrating) that we can target individuals and kill them thousands of miles away yet the incessant criminals cardholder services continues for years and years to harass nearly everyone with a phone, even after the "victories" of the FTC. Settlement? That was very effective.

The calls have finally stopped at my house and cellphone.


Please share how you got these stopped!

NOW Rachel somehow got my cell phone. Party horns work great to slow down the frequency but still annoying. How can we prevent these??

Sorry it just isn't true. Got a call from Rachel last Night on my land line and she has called my mobile device and land line many times.. I have lost confidence in the FTC and notified my Congressman Elijah Cummings. I just don't think you folks will ever get a handle on this/


I've been getting calls from "Rachel" for years and have asked them to stop calling but they just hang up on me which is what I heard they do to a lot of people. I finally begged someone to listen to me and they promised I'd be removed from their lists which seemed to work for a few months but I starting to get the calls again. They are calling several times a day from different numbers, two on my cell phone at work today. How are they still getting away with this!

we are getting these calls2-3 times a day. Just got another 2 minutes ago. I always press the number to "not be contacted again or remove my name" however they keep calling. I want them to stop!

These people call me DAILY sometimes up to 3 times a day. It is Rachel from card holder services and they have been calling me DAILY for about 3 almost 4 years now. I REALLY want these people to STOP calling me. I have told them NOT to call yet they do. I report them yet they call. The caller ID says Info Survey a majority of the time. They have sold my phone number to several others. Now I am getting phone calls about my computer, cruise ships, Political surveys, and SEVERAL other that call EVERY DAY!

I've received calls from "Rachel" for years, but not nearly as frequently as reported by others here. My parents have been getting them more frequently. They got one the other day while I was visiting. My own tactic at home when I have time is to answer the phone and push the button to talk to someone, then keep them online as long as possible, to prevent them from calling someone else, to (hopefully) lower their success rate, and maybe either discourage them to the point of quitting their "job" or being fired for not pulling in enough marks. This works better with computer help scams than it does with Rachel, because I know well how my computer works and how the help scams work, but I've never owned a credit card, so I'm not very familiar with how they work.

I just received a robocall from "Beth" - sounds like "Rachel" may have changed her name.

I just got a call from them yesterday. I'm buying a whistle and next time they call I'll wait until someone gets on the line, then blow the whistle as loudly as possible. Maybe if they go deaf they can't make any more calls.
Too bad the FTC hasn't done more to stop this, and the phone companies could be more cooperative as well.

I continue to get these calls from "Bridget" at Cardholder services. Frustrating!

I just got the second call this month from "Rachel". Does this scam have operations in the USA? If so, why can't the FTC shut it down? And why isn't The Phone Company held responsible for stopping known illegal use of their equipment and services?

I was blocking these calls, but now when they call people I know are showing up in the caller ID. Has this happened to anyone else?

Hi, Brady. Yes, scammers have been known to "spoof" CalledID systems -- hiding their real number and instead displaying a number you're familiar with. Here is a post from the FTC's Consumer Blog that warns people about just what you've experienced: www.consumer.ftc.gov/blog/scammers-can-fake-caller-id-info

Regretfully, these unsolicited, unwelcome automated robo calls from Rachel or whomever at "Cardholder Services" continue after years of harassment, frustration, and inconvenience. The "Do Not Call" list and daily complaints to the FTC do not appear to be effective. Certainly the telephone companies can and should be forced to stop such nonsense and unwanted intrusions.

I'm getting Rachel Cardholder Services calls 5-6 times A DAY!!!!!!!!

FTC Is a joke. All bark and no bite. I continue to get these call and there is nothing that the FTC is going to do about it.

I'm receiving multiple phone calls a week from "Rachel at cardholder services" for many months now. This scam has sunk to a new low and is now spoofing real telephone numbers just to get you to answer. I read an article that claimed they've decided to just keep the telemarketer busy and waste their time and am thinking I will probably resort to this as well. They're crazy if they think I'll divulge any of my information to them. I wish the FTC could take this scam out for good but realize it is probably futile because of technology advancements.

Is this blog serious? The FTC is to cardholder services as 911 is to Public Enemy. A joke! You can't catch, we're too strong to stop. You're dumb, we're smart. We like that you give the suckers lip service how you're going to stop us but my boss made $15.6 million last year and my portion was just over $200K. YOU CAN'T STOP US BECAUSE YOU'RE WEAK AND INEFFECTIVE!! MWAHAHAHAHA

The FTC does, indeed, seem to be a joke on this issue. I've been receiving calls from these people for over a year now, despite the fact that a settlement was reached as far back as 2013 or 2014. I've reported at least 10 of the different numbers they use to the FTC, yet the calls don't stop. So what I've been doing is returning the phone calls and, using my mute feature on the phone I just let them waste their time answering the call. Then I hang up and call them back again. The idea is to make the telemarketers waste their time answering dead calls instead of making new calls. An added bonus is that it really seems to piss them off as well!

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