Pr-recorded message; Ann from Account Services, 'press 1 for additional important messages', I did and was told I was 12th in line waiting, when I got to 3rd I hung up.
It is another credit card interest rate scam.
They've been calling me at least a couple of times a week since summer; I've given them their own ringtone so I'll know it's them when they call. An obvious scam, I've taken to making a game out of it to see how long I can keep them on the line. Just answer their questions; if you ask any questions, they'll hang up. They'll ask you if you have at least $3000 in credit card debt; answer yes, or they'll hang up. Then they want to know what your interest rate is; answer at least 13%, or they'll hang up. Then they'll ask for your name; if you tell them Pudding Tame, they'll hang up...that's as far as I've gotten with them.
Card Member Services. THEY WILL NEVER STOP CALLING, SO... “GET EVEN”.
When they call press (1) to be connected to “LIVE OPERATOR” (this will waste their time).
They will try and get as much personal information from you as they can – GIVE THEM FAKE INFORMATION. I usually tell them I have 2 or 3 credit cards with a balance of 7k to 15k and interest rates from 15% to 21%, using this method will keep them on the phone longer and you can waste more of their time. At some point they will ask the name of the credit card, toll free customer service number and credit card number with exp. date (many times they will ask for the last 4-digits of your social security number) REMEMBER, DO NOT GIVE “REAL” PERSONAL INFORMATION OUT TO THEM AS THEY STORE AND SAVE ALL INFO.
Rachel, Heather, Anne, Tiffany’s Florida Back Door
So, lets see which Florida non-compliant telemarketers are hiring the usually abusive, harassing, threatening, but most likely really stupid;
“L.I. (Lower Interest) Fronters“, AKA- live operator, or card service representative.
“L.I. qualifiers and closers” “L.I. Rooms, L.I. Reps, L.I.F.A (financial advisor, debt coach”. (Search in your area, they're hiding everywhere)
And they tend to disappear fast, so save screen shots now.
http://orlando.craigslist.org/csr/4128386473.html
Notice the way they try to hide FACTS regarding potential ignoramuses, aka “employees”. Hired to aid and abet a credit card laundering operation, violating TCPA, TSR and the RICO Act-
Racketeer Influenced and Corrupt Organizations Act U.S.C. Title 18, Chapter 96 § 1962:
Although its expired, notice the phrase “interest rate reduction program“.
We have a recorded “rep” posted on youtube saying that exact phrase!
http://orlando-fl.americanlisted.com/marketin ... s_23600085.html
http://www.youferral.com/jobpost/show/3628088 ... bary-lake-helen
Notice the same 407-272-1969
http://orlando.craigslist.org/gms/4077259236.html
Scumbag scamers calling from multiple numbers - each the same gimmick. All of which if you try to return the call you get a disconnected message.
"You have been chosen to receive better interest rates on your credit card - this is a limited time offer, press one to speak with a customer service representative."
Afterwards it rings through and they either immediately hang up or someone answers.
The information I have been able to get from them:
As to the specific banks they are working with "Oh we work with numerous to get you the best rates."
As to which credit card company they are representing "We represent all major credit card companies."
After being informed that I was on the do-not call list, that soliciting a cellphone is against the law, to take me off their list, they have either hung up immediately or as the gentleman on the other side of the line I was apparently a '[***]' for labeling them scamers.