yes, it's a spammer - I have a of contacts on my cell phone called "Spam1, Spam2, Spam3"...etc and each one holds 4-5 numbers so I added this one to list and now when they try to call again they are identified as SPAM. :-)
1900 the Exchange is a real building in Atlanta, on the Northwest side in the Marietta area as I recall. "Card Services" is related to Cross Country Bank, a sub-prime credit card scam that offered people credit cards with a $300.00 limit and $295.00 in fees until being busted by the FTC. Along with Capital Management Services, CCB has now moved on to issuing "credit cards" which are really nothing more than an affirmation of an otherwise time-barred debt (also known as Zombie Debt). For example, CCB will issue a $300 "credit card" for an 8 year old $295 hospital debt which otherwise is time-barred by the FCRA and FDCPA. CCB is also now in the "consolidation" or "reduction" business where they convince people to lower their credit card exposure by "negotiating" debts (I know, a lot of quotes here, but these are CCB terms of art, not mine). The trick in the consolidation shell game is that CCB will convince people to purposely miss payments to become delinquent and THEN try to "renegotiate" the debt(s). Of course, at the same time, CCB often receives fees from other creditors for "collecting" on the delinquent accounts. A very slick scheme by sub-prime creditors and debt collectors for sub-prime creditors and debt collectors.
Saw most of the posts are pretty old. This number has been showing up on my caller ID for about a week now one call before noon and one call later in the day. I do not answer calls that I do not know and they do not leave a message. Curious if anyone out there has picked up ( I hate the usual time wasters that call) to find out what the deal is.