This morning a gentleman picked up his ringing cell phone and was greeted by “Rachel at Cardholder Services.” Only she wasn’t actually employed by his credit card company. And the intended victim of this scam was actually the President and CEO of the Louisville, KY Better Business Bureau.
“If you’re never heard from Rachel, consider yourself lucky.” This is the opening line of a Moneyland post about the scam.
How it works: Con artists use a friendly female voice and generic name to try to get you to pay to reduce your credit card rates, some making as many as 2.6 billion calls per year. According to the Federal Trade Commission, almost 13 million people who got these robocalls were fooled into speaking to an agent in 2010.
Tips:
- Never give your sensitive personal information over the phone to someone who cold calls you. Get the name of the company they’re supposedly with, like Visa, and call that company using a number you know is legitimate—not one they give you.
- Ask cold callers for verification information. If they really are your credit card company, for example, they shouldn’t have to ask you what your CC number is, or what type of card you have.
Complaints:
Report robocalls like this one to the Federal Trade Commission at www.donotcall.gov or www.ftccomplaintassistant.gov. You can also call 1-877-382-4357. Be aware that scammers can “spoof” the number that shows up on your caller ID, so it may not be the number they’re using.
If your credit cards gets charged for a service you didn’t order, authorize or receive, and you can’t get a refund, dispute the transaction with your credit card company by phone, following up in writing. According to the FTC, the Fair Credit Billing Act gives consumers the right to dispute charges of this nature.
Thanks to VP Reanna Smith-Hamblin of the Kentucky BBB for this blog idea!
If you want information on this scam and the people behind it I recommend checking out these websites:
http://onthespotblog.com/the-hunt-for-rachel-at-cardholder-services .
http://www.dslreports.com/forum/r26458611-Scam-Card-Services-relentless-phone-calls-revisited .
These people are nothing more than common criminals with with a complete disregard for the law and they have no reason to be civil.
The players we know that are now involved, including names and cities are:
Ambrosia Web Design LLC, Chris Ambrosia, Mesa, Arizona, chris@ambrosiadesign.net, (888) 583-1956
American Debt Negotiators, Ran David Barnea, Boca Raton, Florida
AnswerNet, 2325 Maryland Road, Suite 150, Willow Grove, PA 19090 PHONE NUMBER (800) 411-5777
AnswerNet, Portland Call Center Location: 2951 NW Division Street, Suite 110, Gresham, OR 97030 Local Phone: 503-222-1327 Toll Free: 800-727-9144
Associated Accounting Specialists Inc., William R. Page, Port Saint Lucie, Florida
CAM Services, sales@camservices.us, 209 E Baseline Rd, Tempe, Arizona 85283, (800) 455-4503
Castle Rock Capital Management, Roy M. Cox, Laguna Niguel, California
Concord Financial Advisors LLC, Lee Cestine, Mesa, Arizona, lee@afbllconline.com, (602) 620-1460
Financial Services Solutions LLC, CEO Unknown, New York, New York
Key One Solutions, 7650 S. McClintock Dr. #103-119 (Ups Store), Tempe, AZ 85284, phone (888)599-7112 (or 7113), http://keyonesolutionsinc.com/
Max Direct, LLC, 2335 W. NOPAL AVE., MESA, AZ 85202, phone (480) 703-5818, fax (480) 292-8195
PHL International, Mark Burton, Deerfield Beach, Florida
Premiere Debt Solutions, CEO Unknown, Orlando, Florida
Red Leaf Capital LLC, Leroy Castine, Mesa, Arizona
I have now received more than 200 (I have them documented) calls from these scum sucking criminals. I have filed more than 50 complaints with the FTC, however due to the fact that they hide behind spoofed numbers, I doubt that they will ever be able to 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.”
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Re: “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.”
That worked for me only once, and maybe they got burned when I reported the number for a Do Not Call violation. Now they will hang up on you if you ask for a number to call back.
Another guy said he would send me an information package by E-mail, and I almost salivated at the thought of getting an E-mail with traceable header information I could turn over to the FCC and FTC, but it didn’t happen.
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Personally I like to have fun with them.
Press 1 and wait for an “agent” them ask for fellatio.
There isn’t a single thing they can do about your request.
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Well . . . there is one thing you can do; that is, play the “Cardholder Services Game.” This is only useful and fun if your’re sitting around anyway, waiting for the dryer to finish or some such. The object of the exercise is to keep them on the line as long as possible with such ploys as “(You’re) looking for your glasses;” (You’re) down at the corral and have to go up to the main house;” and the like. My personal best is 14 minutes, but I bet that some of the more creative types can probably double that. Meanwhile, you are hanging up these con men and women and cutting into their useful time. In other words, you will make the angels sing!
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The only way this scam will be stopped is if phone companies develop technology to eliminate ghost calls. Then we’d have a real number to report. Where are all the congressmen in the US who could pass a law forcing it?
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I’ve been reporting these calls to the Federal do-not-call list for at least two years now. I receive numerous calls every month, and just received calls two days in a row. I really have had enough. When I do get through to a real person, they’re mean and hang up on you and will not take you off their list. These calls won’t stop soon enough!
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The way to stop “Rachel” is for all of us to always “press 1 to reduce our rate.” Then just set the phone down. Do NOT talk to them. If all of us do this, their boiler room will be jammed with useless calls, and they will soon be out of business.
Pass it on!
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You’re on the right track. You want to waste as much of their time as you can, both to keep the telemarketer’s time as unprofitable as possible (they’ll eventually be fired) and to tie up the company’s line.
But simply pressing 1 and setting down the phone won’t do enough; when they hear dead air, they just hang up and go on to bother someone else, and you’ve wasted only about 10-15 seconds.
Instead, go ahead and answer, and then tell them to give you a second to get your credit card bills. NOW set the phone down and go about your business. If you really want to screw with them, come back every few minutes to apologize for it taking so long, to say you need to find a pencil, whatever.
Of course, eventually, they give up, but played right, you can keep them going for quite a while, with no more effort than speaking for five seconds every few minutes just to string them along.
My personal best is just under 18 minutes… can anybody beat that?
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18 minutes ehh?
Sounds like a challenge has been thrown down!
Will report back with my best time…
These f-ers have been calling me every day for 6 months on my cell, and now i just got one on my office phone. I like to suck them in by pretending to look for the info. Then I set the phone next to my keyboard as I go back to work, and check in with them every few minutes – have not thought to time it though….
I have done it enough that they must have some notes on my number because in some cases as soon as someone picks up the phone, they hang up.
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I have a home phone but never answer it. Now Im getting all the calls on my cell phone. The stupid thing is that cell phones have a delay and we almost never get a live caller.
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I have a home phone and never answer it. Now Im getting the calls on my cell. I dont answer the cell unless it is a familiar phone #.
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It doesn’t work to put down the phone as they just hang up on you. I either blow a whistle when a person answers or scream obscenities at them. My thought is that if the employees are abused enough by those they call, perhaps they will think about another line of work. Probably wishful thinking, but it makes me feel better
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One of the people I talked with after pressing 1 said something that led me to believe that one way they get working phone numbers to call is by trolling CraigsList for ads that include phone numbers, so i recommend not posting your phone number in CraigsList ads. It’s too late for me; I’ve gotten way too many of these calls already.
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“One of the people I talked with after pressing 1 said something that led me to believe that one way they get working phone numbers to call is by trolling CraigsList for ads that include phone numbers,”
I never posted an ad to Craigslist for anything, and they call me repeatedly.
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I receive sometimes 10+ calls per day from random numbers. I literally have programed 50+ numbers in my cell phone as “Dont answer”. Every now and then i will play along for 10 to 15 minutes acting like an idiot. I LOVE the feeling I get when they really belive they have just gotten luck and found themselves a sucker only to be shot down. It may not do anyone any good but it sure feels good to me to waist a little of thier time. I have went as far as threaten to KILL the person who is calling just hoping they would file a terroristic threatening charge on me. Then i can find out who they are. Play games with them. I gave them the BBB number one day when i told them i was busy and they should call me back. Pretending to only speak spanish is alot of fun too.
If you cant stop them you might as well have a little fun on thier dime. They always like to point out to me they get paid by the hour so i am not bothering them by jacking around. Well ass holes I get paid by the day so keep them coming. Sara, Ann and Rachel can all kiss my…..
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how about not giving any info at all when they call, even if the info they give you , on what ever question you ask, you still never give any info back, i dont care if they are right , just write all the shit they say , then hang up.
and then call your credit card company direct, the number is on the back of your card. tell them every thing, they will look at your account and then they can monitor any strange activity.
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Do not ever give your credit card account numbers to a cold caller. If you do, expect to suddenly have your credit card numbers popping up on counterfeit cards all over the country. That is a headache you do not want.
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507-540-0492
Another robo call from a “Cardholder Services” – this company that has hold music on when you pick up & when you try hitting zero to get an operator so you can tell them to take you off their call list (especially since you are already on the Do Not Call List) you cannot get anything but the hold music! When you google their phone #, all you get are websites for reporting harassing calls! Also, they change their number & call back regularly even though anyone with half a brain would never do business with them (they come off as scam artists because most legitimate companies do not harass people with robo calls!)
Report them to the federal government at: https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2
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I talk to their reps, who may just be people who have gotten what they think are honest part time jobs, and tell them that they are probably working for credit card thieves and identity thieves, and that they might not want to be around when law enforcement finally shows up.
I think it is reasonable to assume that somebody who calls from a spoofed phone number to ask for credit card information is a credit card thief. Also, if they can spoof a phone number, they can spoof YOURS when they call the service number from your credit card, thus making your bank think you are placing the call. They don’t need the complete credit card number to access your account under those circumstances.
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I thought that might work as well, but it is possible that these people are just minimum wage employees who think they are doing honest work–like the ones who get “jobs” processing payments (money laundering).
I am now telling them that they are working for credit card thieves, and that they might not want to be around when law enforcement finally shows up. It is reasonable to assume that anybody who calls from a spoofed phone number to ask for credit card information is a credit card thief.
By the way, the reCAPTCHA system is a real problem; many of the words are not readable by humans.
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Re: “I have went as far as threaten to KILL the person who is calling just hoping they would file a terroristic threatening charge on me. Then i can find out who they are.”
NEVER make a physical threat, because that IS illegal. Some people use profanity, which would probably constitute a harassing telephone call–if they had originated the call, which they didn’t. It’s more effective to string “Rachel’s” people along by pretending interest, and then telling them you have to find your credit card because this wastes their time (and “Rachel’s” money) while it doesn’t waste yours.
Another technique is to tell the person he or she is working for credit card thieves–what else can one say about somebody who asks for credit card information from an anonymous number? If the person is some innocent mope at the bottom of the food chain, maybe he/she will quit, thus costing the real scammers the cost of a turnover.
I gave the one I spoke to today the example of people who take “jobs” processing payments through their bank accounts, which is almost universally money laundering. The people who take the jobs find out they are involved in a crime only when the Feds show up at their homes with search warrants. It wouldn’t surprise me if the same could happen to “Rachel’s” telemarketers.
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I’ve had calls from “Rachel” 3 days in a row now. i do like to mess with a bit and i always ask them for a number i can call back. Often they say “hold on one moment please” and then when they ask someone else there what to do the phone suddenly goes dead. I wish the cell phone providers would get off of their butts and do something about it. If you contact ATT and ask to have a number blocked do to harrasing calls they say its no problem. Then they tell you that you have to PAY EXTRA for that service. I’ve tried this more than once with ATT. What a joke.
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They do not remove you from their call list by your pressing “3″ – and I am already on the “Do Not Call List”, which they continue to ignore.
This time, I pessed “1″ and when I demanded of “Steve” that he immediately give me to his supervisor, he replied with “Seriously? – F**k You!” and hung up, as they always do when they get any hint that you’re not playing their game.
Can the phone company trace and assist with shutting these people down?
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I understand they are using voice over IP (VoIP) on their end. While they may be able to spoof phone numbers. Seems to me that their IP address or address range could be traced back to the provider and said IP addresses shut down. The FTC needs to get some hot shot techs involved and shut the idiots down.
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Like most victims of harassment by Card Holders Services I’ve played their game of “press 3 to remove your number from our list”, verbally told their agents to stop calling me, and filed complaints with the FTC. To date nothing has happened to stop these calls and I’m convinced we’re on our own.
Do any Internet search and you’ll find thousands of complaints with detailed information about who is calling and why. The Feds can blame technology as the reason why they can’t stop this, but that’s clearly not true. For years telephone calls and traffic have been monitored by the NSA and their friends so they can data mine it for so-called terrorist activity. They can connect the dots back to whoever is making these calls if they wish. It’s time the government starts to focus on the real bad guys and prosecutes the creeps behind these robo-calls.
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I like to play with these people. I will hit 1, talk to the “agent” and play along. When it gets as far as the point where they need the credit card number, I give them a number I know to be bad. They try to run it and it fails. They come back on the phone and ask to verify the nummber, I give the same number, they try again, Finally a supervisor will get involved and I play with him.
I figure that the longer I waste thier time, the less time they have bothering someone else.
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Here’s an idea. Get one of those air horns that are capable of raising the dead like people bring to ball games. When you get a dirtbag on the phone, cut loose with it right next to the mouthpiece. With any luck you’ll blow out some ear drums and they’ll quit their job.
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This is SO SO irritating. And you can’t stop them because they spoof the caller ID number (if it comes across at all). If the FTC and FBI can’t do anything about this, then they just ought to turn off the lights and go home.
On a lighter side, if you want to hear a citizen ‘scam Rachel’ in a manner of speaking, then go to you tube and search in the youtube box ‘rachel scam the scammer’ and hear what a fellow did with Dr. Phil sound clips conversing with a live scam operator from ‘card services.’
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II got another call today !! If I could get my hands around this little F-ing JEW who owns this outfit, I’d stick a ice pick in his ear !!!
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I think if the FTC really wanted to stop this they would come up with a way to trace these calls. Sounds like it wouldn’t be hard to find volunteers to allow their phones to be tapped if this was even necessary. Sounds like we have this to look forward to until they get tired or make all the money they want.
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Please remove ‘Tommy’s’ comment made on Sept. 26, 2012. Thank you.
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Pardon me- my error. That would be ‘Randy’s’ comment.
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Played along with the guy from cardholder services today…asked to speak to his manager, said I could not. I said I would wait, he said no, we went round and round, finally I cussed, he said and I quote, “My manager is F***ing someone.” Seriously?
This is such a waste of my time to continually be answering the phone for “Cardholder Services” and the scammers calling from “Windows Technical Support.” Multiple times a day!!!
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I called my phone service provider to see if I could get a tracer. They WILL NOT do it unless you have already contacted the police department and filed a formal harassment complaint. I bet if EVERYONE started calling their phone providers and wasting THEIR time, they would find a more efficient way to eliminate the problem. I don’t see Verizon, Comcast, or ANY carrier wasting their time with upset customers. AND they have the resources and funding to handle the issue.
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I work from the home and use the land line as my primary work #. These calls come in sometimes three times a day. SOOOO frustrating! I have a nice Bose system on my computer. I just blast them with deafening All Classical WGBH! LOL I don’t think they like it. lol Finding these arses has become somewhat of an obsession. NOT HELPING MY TIME MANAGEMENT!
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Here’s a thought. We know some of the players; see above. Is the equipment they use to make electronic cold calls affordable? If so, hunt down the rest of their personal, private phone numbers, and program multiple calling machines to phone them every five minutes, all day long. Maybe they’ll get the message.
The congressassholes who sold us all to the telemarketers, a few years ago, as though we were their chattel property? Same for them–until we get the opportunity to hang them for their many treasons and tyrannies, large and small. People, realize something; you can be (virtually, which is as close to I ever want to get to the place) in Washington, DC as fast as you can boot up a PC. CONGRESS IS OBSOLETE! We the people actually ruling ourselves could not do a worse job; we don’t need congress screwing us anymore.
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How can you stop this? I get a call from Rachel at Cardholder Services every single day! I do not have caller ID and I do not want to have to screen or block calls, but I am sick of this non stop harrassment!
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I just asked “Pam” at Cardholder Services why she prostitutes herself for this bunch of shysters. She responded, “Takes me off the streets, dude,” and hung up.
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Or do what I do. Drop by your local Lowes or Home Depot, find the section where telephone and cable parts are sold, and get yourself a toner (telephone tracing tone generator) with a modular jack. Plug it in and leave turned off until Rachel calls. Then press 1, turn on the toner and wait until they answer and hear the blast of high-volume warble tone in their ear. Enjoy the profanities they will utter as they reach for the disconnect button. Turn off toner and wait for the next call. Repeat as necessary.
Keeps their lines tied up, annoys the agents, and makes them frustrated that they can’t get to play their game.
Better yet, tell your Congress critted you’re sick and tired of passing laws that willl never get enforced, and ask for some “teeth” in the laws that will result in jail time rather than uncollectible fines.
Make carriers legally liable to deliver accurate caller ID and calling numbers on their networks. You can bet that if Verizon, AT&T, Sprint and CenturyLink, to cite a few, got hit with massive fines, this crap would stop instantly. The technology already exists within the switching systems, and has for years. The carriers just have it turned off to lower their costs and gain additional revenue.
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EVERYONE:
Since the FTC & phone companies are useless try what I do if I have the time.
When “Rachael” calls and someone gets on the line give them any name you want.
Then when they ask for your credits card balances tell them $12,000 or anything above their minimum. Then when they ask for your rate tell them at least 11.99% or anything above their minimum. At that point they will ask for the phone number of the bank on the card or some other verification. Tell them you need to get your card from your wallet/purse. They will hold on. Then I leave the phone off the hook and walk away.
If you have the time and don’t need your phone right away leave them hanging. Time is money to them. Waste their time while they hold which also ties up their lines.
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When I get the calls, I just ask them “what are you wearing?” They are sometimes very quiet while listening. I have breathing problems so I always sound like a perv on the phone. My friends just laugh when they are over and I get a call.
I also have a call blocker I got off Ebay,. I always block the call and yes, they spoof another one but I think it is great when I see my phone light up and no ring.
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I get three or four calls a day. If you want to get back at these scumbags. Play along and milk the phone call out. Tell them you have to go upstairs roger your wallet. Rememember the longer you keep them on the line the less money they make. I started to ask the women if they like to suck….. Well you know I know it’s not politie but if there not going to remove me then look out the gloves are off
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These people will never go to jail…It’s just like the mafia who pays off people and the paid keep their mouth shut…my guess is that is what is going on…their just padding pockets of the FTC and getting fined now and then with their billions of money laundering incomes…hell they probably are the mafia…I hate these bastards calling our house constantly and hope the Mfckers go to jail instead of getting fined and told not to call anyone…
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A couple things: First, the FTC & Do Not Call site specifically states they don’t enforce, but just collect data. WE have to report the calls to local law enforcement. The DNC list is a farce. Second, I once asked for a phone number as suggested and heard in reply “sure… 1-800-eat Sh!+” – which I’ve edited. Nice! Finally, don’t bother hitting “3″ to be taken off the list… it doesn’t work and likely never will. These people are beneath contempt.
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Since choosing #3 to opt out doesn’t work , I press #1 to talk to a human and keep them on the line as long as possible if everyone does this it will drive their phone bills through the roof, including tying up their phone line and employees.
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I am a representative of AnswerNet, one of the companies that have been mentioned in the complaints on this website. The calls that the complainers have been receiving are NOT from our company. AnswerNet appears to be a victim of caller ID “spoofing.” Caller ID spoofing is the ability to change the telephone number that appears on a caller ID display when they receive a phone call. Many scam artists deliberately falsify their telephone number to disguise the true identity of the calling party in an effort to present fraudulent offers of a variety of goods or services.
AnswerNet is a full service call center provider that produces telemarketing campaigns on behalf of our clients. We do not engage in direct-to-consumer calling programs for AnswerNet itself. AnswerNet follows strict FCC guidelines, and scrubs all calling lists against the National Do Not Call Registry (DNC). Additionally, our model is business-to-business only.
AnswerNet does want to assure consumers that we are doing our best to correct this situation. Please continue to contact the FCC when called by these individuals.
Should you wish to contact our corporate office about this matter, please call 800-411-5777 and you will be directed to the Communications department.
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Personally I like to have fun with them.
Press 1 and wait for an “agent” them ask for fellatio.
There isn’t a single thing they can do about your request.
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“Rachel” informed my elderly mother that she is going to phone her every day to harass her. This was about three weeks ago and sure enough she is getting these calls several times a day. It is truly despicable and there seems to be nothing that can be done to stop these calls.
Thank you all for your informative posts, ideas, advice!
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Is it true that Rachel Maddow is the voice for the phone scam company that calls saying “This is Rachel from Cardholder Services…”?
If you have not been attacked by Rachel – you are very lucky…
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There is “NO” do not call Registry and there is “NO” F.C.C. and there is no Judicial System in this country that gives a God Damn about you, me or “anybody” else. I will find Rachal… and I will end Rachal! Case soon to be closed!!!!
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For all my friends who also keep getting those “We are calling you about your credit card account” scammer Robo calls, here’s a tactic to get them to stop if you have the time: Press whatever # they say to get a live person, and then KEEP THAT PERSON ON THE LINE FOR AS LONG AS POSSIBLE! it’s easy, just give them completely bogus/fake info about your balances and card interest rates, etc… but keep them on the line! They will try and get your C card info, so of course do not give it, but chat it up with them, tell them you have $50k in credit card debt at 22% interest, whatever it takes! They are NOT going to stop calling you on thier own, and you can have some fun (at thier expense) if you drag out the converstation for as long as possible with thier Rep!
Every minute you stay on the phone with that person tying them up, you have saved antoher 5-10x other folks because they cannot answer. Additionally, if enough folks do this, the economics of this tactic will bankrupt them when they eat up their call rep hours and costs, with zero dollars to show for it.
As an added bonus, you get the last laugh since you will inevitably have to tell them at the end – YOU ARE SCAMMING THEM — They will hang up right away (because they have to answer another call) but you should be laughing at that point.
They ‘should’ eventually stop calling you because you are placed on THIER “Do not call” list due to the fact you ate up so many minutes of thier time having your own fun! Enjoy!
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For all my friends who also keep getting those “We are calling you about your credit card account” scammer Robo calls, here’s a tactic to get them to stop if you have the time: Press whatever # they say to get a live person, and then KEEP THAT PERSON ON THE LINE FOR AS LONG AS POSSIBLE! it’s easy, just give them completely bogus/fake info about your balances and card interest rates, etc… but keep them on the line! They will try and get your C card info, so of course don’t give it, but chat it up with them, tell them you have $50k in credit card debt at 22% interest, whatever it takes! They are NOT going to stop calling you on thier own, and you can have some fun (at thier expense) if you drag out the converstation for as long as possible with thier Rep!
Every minute you stay on the phone with that person, you are tying them up in a good way, because you have saved 5-10x other folks because they are tied up with you and cannot answer. Additionally, if enough folks do this, the economics of this tactic will destroy them as they eat up their call rep hours and costs with zero dollars to show for it.
As an added bonus, you get the last laugh since you will inevitably have to tell them at the end – YOU ARE SCAMMING THEM — They will hang up right away (because they have to answer another call) but you should be laughing at that point.
They ‘should’ eventually stop calling you because you are placed on THIER “Do not call” list due to the fact you ate up so many minutes of thier time having your own fun! Enjoy!
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