DAILY PHONE CALLS
Complaint
bill singletary
Country: United States
Although I am on the no calls list, I get calls almost every day on home and cell phone. This is a recording, usually Rachel, wanting to lower my interest. How do I get this stopped?????
Comments
They are NOT associated with "Chase MasterCard". That is just another deception they may use to get you off your guard.
Register your phone number on the Do Not Call list, and file FTC complaints. If they are making deceptive claims, like they are with "Chase" or with "MasterCard", also report that to FTC.
They are the primary two using the "companies" that do the Rachel robo calls!!!!
They might not be the slimiest "banks" out there, but none of us will use them.
There ARE fraudulent telemarketing affiliates to Chase, Citi, BofA, Discover, and the rest, but they generally cram "disability insurance" or "credit protection" products, not "lower your interest rate" scams.
There is nothing in it for the banks to cold call you with "lower your interest rate" offers. You want to talk them down, you can call them directly and try it, but they aren't going to pass it off to a telemarketer, shady or not, and split some "sale" that actually costs them.
The lack of a connection shows up in the different fraud patterns between the "credit protection" cramming which IS affiliated with banks, and the "Rachel" phishing, which is NOT.
The "credit protection" (or "disability insurance", etc.) deceptive telemarketers commonly have complaints of fraudulent charges with no disclosure of accoutn information by the consumer, along with reports the banks actually interfere with attempts to dispute the charges by passing the consumer back to the telemarketing call center for another try. That indicates they are getting consumer account information from their bank marketing partners.
For example, see this thread:
https://complaintwire.org/complaint/9osBAAAAAAA/ip-smartstep
The "Rachel" robocalls do NOT have this capability, or you would see complaints of strange calls attempting to get pieces of "verification" like requests for partial card numbers, DOB, etc, like those that show up with the bank affiliates. The "lower your interest rate" scammers do NOT have consumer account information when they call.
Deceptive callers can say whatever they think works for their purposes, and they typically do so repeatedly enough for the pattern to be clearly visible in consumer reports. What they say is often false, but what they say tells us what they are trying to accomplish by the call, i.e. their "goal".
Their "goal", in turn, tells us what "capabilities" they have to use in their scheme (excuses to deflect law enforcement scrutiny, the ability to hide, experience in getting away with deception, already obtained card info, ability to run through credit card or bank account charges, pull credit reports, deceptive telemarketers boosting their commissions vs. systematic call center fraud with management complicity, or whatever), and therefore what missing pieces they need to fill in to complete the theft or con and get the intended payoff.
Missouri based Client Services Inc is at the center of this, however there are other groups such as "front company" Ambrosia Web Design's Concord Financial Advisors. American Debt Negotiators, First U.S.A.card services, and Pacific-Tel (Pac-Tel) have been reported also doing the "RACHEL-robo-calling". These "third party debt collection agencies" get around FTC -DNC Laws by operating as though they are "debt collectors" Not "telemarketing.
They are most reported as "collecting" for Chase and Citi-Bank.
Even you, Masterbilly must have read parts of that thread somewhere here, where the "collector employees" make posts from time to time.
Robocalls! They even admit to it!
A former "collector" writes:
"These are the degenerates that are calling you, folks...."
Lost track of the thread where sometimes the "employees", and former "employees" make posts.
"Cardholder services" is a multi-purpose scam.
It can be whatever "Rachel" want's it to be.
It's "telemarketing" until your demand it be stopped, and the crying begins- "it's somebody else using our name" or "your number has been completly removed from our system".
OR you fall for it- Then it instantly becomes "debt collecting,
The people that fell for it "payed a debt" at "6.9%", or will be soon, because they'er personal info is now compromised!!
All run by "third party debt collection agencys" with affiliate side business- "Capital" this & "Financial" that!!
Go figure!!!
You can watch FTC take steps to collect further information to build a case, vs. just routine logging of complaints.
The type of information they ask for, as reported by some consumers, can tell you what stage of filing a lawsuit they are at. Certain steps are a "predictive indicator" of a following step, i.e. to file suit, and prove certain aspects of violations of law, they must collect and document corresponding details from consumers. You can't guarantee you will always see these indicators, but when you do, it is usually clear not only that they are real, but what stage they imply a case is at.
You can therefore infer the activity necessary to lead to a lawsuit several months ahead of when it is filed.
I called 1-888-342-4273 to complain. They apologized and said they would put me on DNCL.
They are from this scam that pretends to be from your credit card company or bank. They are running a fraudulent "lower your interest rates" scam. It's really a "steal your money" scam.
They are liars.
https://www.chase.com/index.jsp?pg_name=ccpma ... page/contact_us
They are currently marketing mortgage refis of existing Chase home loans.
Such are the problems created by routine fraudulent telemarketing.
"There is no problem with your account" is part of a "lower your interest" scam script to step into the appearance of being "with your bank". You lead with a small piece of probable truth in setting up the premise for the lie.
It would fit into their scripts that pretend to be with your bank "calling to lower your interest rates".
Never call a bank using a number on caller id, or a number provided by the caller or robocaller.
Only call banks using numbers verifiable from your records, such as from your statements or credit cards.
? I get at least 4 0r 5 calls a week. Is there not a way to stop this insanity? I have no credit cards and certainly would never discuss on phone if I did.
“cardholder services" Tape 2 http://youtu.be/9FX_o3O71R8
I also agree that my interest rate is above 11% (or whatever they want to hear on that particular day).
I lead them on for as long as I can without giving them a particle of personal information. Then I either try to lead them in another direction, or admit that my story was completely false.
Now what does this do for me? It gives me the opportunity to WASTE THEIR TIME AND RESOURCES. If enough people just did this and led them on, perhaps this company would begin to see that running this scam is no longer worth their time and expense.
Every deceptive tactic has a countertactic.