Navigation Top
AGO Logo Graphic
AGO Header Image
File a Complaint
Contact the AGO
All Consuming
Return to main blog
Is that a legit credit card company calling, or just another scam?

Is that a legit credit card company calling, or just another scam?

(Scams, Identity Theft) Permanent link

womancreditcardToby Nixon recently contacted us about annoying robocalls from a company promising to lower his credit card rate. Here’s part of what Toby reports:

I’ve been receiving unsolicited telemarketing calls for several months on my cell phone, offering to “lower my credit card interest rate.” I have asked several times to be removed from their list – especially since it is a violation of federal law to make telemarketing calls to cell phones – but they have ignored me or hang up before I can even get the words “Please add me to your do not call list” out of my mouth...I continue to get these calls at least a couple of times a week.

Today, I finally got one of their agents to stay on the line long enough to give me some information. I offered them made-up information about my credit accounts, such as balances and interest rates, to sound like I was an attractive prospect. They then asked me for my credit card number, supposedly so they could talk to the credit card issuer to verify my credit standing (that my account was current and not over-limit, they said). Of course, I wouldn’t give my card number to someone who called me, and told them so. I said I wanted to look at their web site to verify that they are a legitimate company, and they told me it is

Let’s pause for a moment and point out a few things. First, Toby did everything right. Never give your personal financial or other information to random callers, no matter how legitimate they might sound. Second, the “Card Member Services” website is owned by First USA, a legitimate financial institution. A First USA representative tells me they are aware of, and frustrated by, those using their name to rip people off. But it’s not just First USA being drawn into this scam, when Toby asked the live agent for a phone number, she gave him a toll-free number for Discover cards.

Toby reveals these scammers are using contact information for both First USA and Discover. But here’s the deal: credit card companies don’t need your credit card number in order to “lower your interest rate.” When you apply for a credit card the bank runs a credit check, accessing a list of all your debts. That’s how they decide what products and rates to offer individual customers.

Shannon Smith, the AGO’s Consumer Protection Chief, also offers some personal experience with this very scam:

I’ve been called and I’ve stayed on the line to talk to an agent on a few occasions.  They tell consumers they work with the banks to lower the interest rate.  I don’t know what their ultimate purpose is – extracting personal information, charging the cards, or selling credit cards that will end up being more expensive for the consumer.

The last time I chatted with a live agent was Saturday. I said I was interested and she asked for my credit card number. I asked her to give me the credit card number she had for me and I would verify it because I didn’t like giving my card number over the phone.  She said it was against policy and reassured me she was trying to help me.  I said, OK, “Tell me my name.  You must know my name.”  She asked me to hold on and thanked me for my patience because the computer system was slow . . . after about a minute, we were disconnected.

 Here are few additional pointers to avoid such scams:

  • Never give out personal details like your social security number, mother’s maiden name, or account numbers to strangers who contact you via mail, Internet, and especially by phone. Thieves and scammers might impersonate bank representatives or government officials in order to steal your information. Real financial organizations would already have your information and would not ask for it by calling you. Regarding your credit card numbers, a good rule of thumb is to assume that anyone who calls and asks for your credit card number is going to charge your credit card.
  • Remove yourself from contact lists by registering your number for Do Not Call lists; remove your address from marketing lists by making a request to the Direct Marketing Association's Mail Preference Service online at; contact the three major credit bureaus and ask to “Opt Out” of pre-approved credit lists or fill out a form for this service at; and contact your credit card companies to request no third party solicitations.

-Dan Sytman and AGO Volunteer Rachel Vinson- 



Posted by Public Affairs Unit at 08/03/2012 11:56:29 AM | 

I am on the National Do Not Call list on my cell phones and home phone and STILL get these calls, sometime twice a day. It is so bad that I only answer calls if I recornize the number.
Posted by: Dave L. ( Email ) at 8/3/2012 7:02 PM

This company has been calling me. the area code is 425 which shows as a state of Washington number. The number is (redacted for now). I am sure some people are falling for this scam and this should be taken very seriously by the Washington Attorney genearal.
Posted by: David ( Email ) at 8/6/2012 12:26 PM

David - I tried that number a moment ago. The recording gives me an opportunity to be put on their do-not-call list. Did you enter your number? Do they continue to call?
Posted by: Dan Sytman, AG's Office ( Email ) at 8/6/2012 1:33 PM

I get a call from Credit Card Services (360-474-3977, Arlington, WA) about once every three days, at my home phone in Renton, WA. The home phone has been on the do-not-call list since 2007, and we have repeatedly used the option to press 1 to be put on their do-not-call list. Yet the calls continue! I've just filed a complaint with the FCC. Now I would like to find out how to file an official complaint with your office with the goal of ending this harrassment.
Posted by: William Sexauer ( Email ) at 8/6/2012 2:02 PM

William S. - Go to our website,, and look to the top right side. Click on the link to file a complaint. I hope this problem is resolved soon.
Posted by: Dan Sytman, AG's Office ( Email | Visit ) at 8/7/2012 10:37 AM

Ive been recieving phone calls everyday once a day for the past two weeks, today i just got fed up so i call the lady back to find out what this is, she called me Robyn , before i said who i was, i ask her why she called me by name not knowing who it was that was calling her, she went to say it was about my mastercard balance and i needed to get it taken care, i told her i dont have a mastercard and she just went on asking me to pronounce my last name, i told her no and that i would be contacting the Attorney Generals Office. the phone numbers they would leave were 757-296-0116 & 0081 which iam sure were pre-paid phones i did call back the number on my caller ID which was from seattle 206-445-6606 when i called i could hear someone and then hung up so i called again and the phone answered to a recording ( which iam sure was a live person)saying they were away from there phones to leave my name and phone # and they would get back to me i just hung up. Iam sure i wont be hearing back from them again I just wonted to let people beware of these scams.
Posted by: Robyn ( Email ) at 8/10/2012 12:16 PM

I have been receiving phone calls from RLV & assoc. collection agency out of Florida concerning a delinquent account they claim I have for a Visa card I never applied for. What is so scary is that they have my history, addresses and personal information on top of that. I have looked over my own credit report and no such reports stated, nor is the supposed card.
When I told them that they have invaild information concerning my account, that I never applied for that card, and the bank it is said to be under does not exist, I asked what store it was applied through. "mama, we cannot tell you that information" and "we cannot mail you a copy of our report". They continue to tell me that the report is only showing up on one of the credit bureau's files. He continues to tell me that I have a valid claim to say that the debt is not mine and that I should contact a lawer if I do not wish to pay them $600.
After talking with them later, I am told that it should be on all of them, I cannot check my own credit score monthly, and that they cannot send me the information, but they can to my lawer if I so chose to go down that path. WHen I asked to talk to the supervisor, "sorry mama but he is out of the office" and upon asking for him to call me back asap, "he is here, just in a conference call at the moment". Then they proceed to hang up on me.

It seems a bit odd that you cannot tell the person owning the money any information that could help to alievate the problem, and more so to continue to ask for money that the person clearly does not owe. [ALL CONSUMING MODERATOR'S RESPONSE: This sounds like the Phishing scams that were going around earlier this year. A person’s name, address, email, and phone numbers are all public and available through a variety of resources. Every consumer is entitled to one free credit report per year from each credit bureau from Consumers can call, or go online and request a complete copy of their reports. Credit scores are not free or included in the free report.

If this is a legitimate debt, the collection agency is required to send a letter stating what the debt is for, the amount and any interest/fees added to the account and information on how to dispute the debt, they are also required to give their full business name, address, and phone number. If the collection agency is unwilling to provide this information chances are they are probably a Phisher.

You should not give or verify any information if they call again but simply request their full name, address and phone number so you can check through your records and send them a dispute letter. You should not argue with them as some Phishers can become abusive and threatening. Also, you cannot be arrested or put in jail for this debt, this is a common threat recently with Phishers.]
Posted by: Kim ( Email ) at 8/14/2012 2:21 PM

I live in Indiana with a 317 area code. I'm receiving mutiple calls from this creditservices company in your state. At least the calls are originating in your state. What are you doing to shut these people down. I've read on the internet that this has been going on for some time now. I've gotten calls for over a year now. This seems to be a huge problem. And yes I'm on the national do not call list. let me know what the deal is. [ALL CONSUMING MODERATOR'S RESPONSE: These issues are handled by the Federal Trade Commission. You can file a complaint with them at:]
Posted by: Chris Madsen ( Email ) at 8/21/2012 9:49 AM

A company called me. And told me i was selected for a grant. They said i applied a couple months back. So i agreed to it. And gave them my debit card number. they said the charge was 3.87. so i said okay. but now they took 20 extra dollars. i am cancelling my card tomorrow.
Posted by: Frank McConkey ( Email ) at 9/19/2012 11:02 PM

Whatever you do, don't click on option that removes your phone number from their do not call list. This just alerts them that they will get a response from your phone number. It will not stop them from calling.
Posted by: Elizabeth Allen ( Email ) at 10/24/2012 2:21 PM

SEGAL BENNETT & ASSOCIATES 250 Delaware Avenue Suite 3 Buffalo, New York 14202 Called me threatening to send a sheriff to my house to arrest me for a debt. Can they do this? Is this company real? Please help me. [ALL CONSUMING MODERATOR'S RESPONSE: A collection agency can’t threaten to have a debtor put in jail for bad debt. You can find more information about a collection agency can and can’t do on our website at:]
Posted by: Adrian ( Email ) at 11/26/2012 10:56 AM

I also have been recieving these calls for a while. I think the best way to combat these calls are to target the employees. I answer '1' and get the live operating, I tell them I have 2 cards w/ about $25,000 balance. Sometimes they will ask for the phone # of the credit card company, and I give that, then usually the ask for the credit card number, MANY times when I hesitate, they will immedicately hang-up, the newbies will try to work me, that is when I kick my plan into gear! I tell them I just got a letter that day from my credit card company warning me NOT TO GIVE MY credit card number to SCAMMERS that are trying to get it. This makes them think the credfit card companies are FINALLY attacking backat them, and I am sure if they keep getting this response, the employees will quit much soone than later! Eventually these companies will have a harder time finding suckers to work on their commissioned sales calls. PLEASE SPREAD THIS AND I AM SURE IT WILL EVENTUALLY DO THESE SCAMMERS IN. These poor employees will realize working at McDonald's is better than this scam!
Posted by: Sam Spade ( Email ) at 11/26/2012 8:08 PM

I was just contacted by a "collection agency" who is trying to collect on a card That I Thought I paid off ten years ago. The person said that it was in collections and I had to make payment arrangements. I have not had that card for over ten years and never heard of any debt owed on it.I told them I did not believe them. I was told they bought this debt last year and this is there first attempt to collect on the outstanding debt. I have 14 days to comply or action would be taken. What is going on? thank you for your time. [ALL CONSUMING MODERATOR'S RESPONSE: Request the company’s full name, address and phone number so you can check through your records and send them a dispute letter. If you continue to have a problem, file a complaint with our office at:
Posted by: Scott Perrin ( Email ) at 11/28/2012 11:52 AM

I have been getting harrassed by cardservices for over a year. Can't your office do something about these calls as we have a do not call option? [ALL CONSUMING MODERATOR'S RESPONSE: These types of calls are handled by the Federal Trade Commission, who administers the Do Not Call Registry.]
Posted by: Robert Cleveland ( Email ) at 12/4/2012 10:23 AM

I got a call saying that they are calling from visa cards that was the first time i received call for this credit card stuff. I gave them all my details and they charged me 690$ but that seems to be some legit company and they send me a cd and assigned a lawyer on my behalf. I don't know what is the current scenario
Posted by: Raheel ( Email ) at 12/5/2012 7:36 PM

It doesn't do any good to ask to be put on their do not call list, or press a button to do so - they will continue to call even if you are on the Federal or a state list. The only thing that may work and that will at least give you some satisfaction, is to press 1 and then abuse the hell out of them.
Posted by: Not Chicken Little ( Email ) at 12/21/2012 12:14 PM

Credit Card Services call me several times a week even though I am on the Do Not Call List and have requested they not call me. I believe this is harassment, can the AG contact them? [ALL CONSUMING MODERATOR'S RESPONSE: These types of calls are handled by the Federal Trade Commission, who administers the Do Not Call Registry:]
Posted by: Greg ( Email ) at 12/27/2012 12:13 PM

To the All Consuming Moderator in reference to 'Greg's comment above. The DO NOT CALL list is irrelevant to the caller showing on Caller ID as Card Services. It is neither a card issuer nor a debt management company. I've spoken to a live operator from this business once, and it was clear that his intent was to obtain personal info and card numbers for fraudulent purposes. He could not tell me what company he represented (other than "Card Services", nor could he tell me which card issuer he represented (other than, "VISA, or MasterCard.) The burglar doesn't care much about the lock on your door, Card Services cares about as much about Do Not Call. Based on the mode of operation -- phone call with spoofed number on caller ID, a recording with a request to press 1 to take advantage of their "offer," followed by a delay and finally contact with a live human, it is pretty clear that this an autodialer calling random numbers. If the autodialer gets an answer (valid number) and a key press (live person at the called number), it relays the call to a bank of live operators to attempt the scam. Otherwise, the dialer disconnects and moves to the next number. This is not simply a Do Not Call violation. It is criminal attempt to defraud and uses the illegal tactic of caller ID number spoofing. Washington State citizens are under attack by these crooks; it seems that our state government would have an interest in investigating and prosecuting these crooks.
Posted by: RG ( Email ) at 1/9/2013 11:58 PM

This is not just a problem, I live in PA. and have been having the same issue with the same company for more than a year. Yes I have reported it to the above mentioned authorities with help. Do you think if we have managed to capture BinLaden and Hussein that someone can capture "Credit Card Services" for fradulent business conduct?
Posted by: Barbara tino ( Email ) at 2/9/2013 10:06 AM

We are having the same problem in NH. Question: Can the attorney general's offices in each state or group of states not take the FCC to court for not doing their job properly? How else can we compel our reulatory agencies to enforce the laws on the books? Note: we need to keep an eye on congress, (read GOP) which is in the process of dismantling consumer protections that have been put in place in the last twenty years! It is also writing laws that prevent either re-issuing regulations or preventing people from collecting information and statistics to prove the regulations are needed! Take note of current law preventing the collection of gun statistics. We are being whacked on both sides!! our own government (read GOP) and predatory criminals.
Judy from NH
Posted by: Jay FORD ( Email ) at 3/25/2013 9:11 AM

After rejecting the call from "card holder service" by telling the operator that is was an illegal call she goaded me and said "what are you gonna do about it?" to which I hung up. She called BACK! Not once but 8 times until I got my cell phone company to block the number. While I had my cell phone off she left me a voice mail stating she would continue to call me the rest of the day and tomorrow morning just to brighten my day. I have that voicemail for evidence if anyone wants it. I get this crap on my cell phones and land lines and ALL of my lines are NO CALL phones. This has been reported to the FTC.
Posted by: Keith Morgavi ( Email ) at 4/16/2013 3:36 PM

We have the same problem with these bottom dwellers. My lines and all of my family members have their cell phones and landlines on the DO NOT CALL LIST... I know because I listed them for them. These people are so annoying and giving the middle finger to the DO NOT CALL laws. When you stay on the line for them to answer and ask them to stop calling you they either hang up, start pressing buttons, laugh evil and something else weird and continue to call day after day, week after week.
Posted by: Cynthia Bradford ( Email ) at 5/7/2013 12:07 PM

We experience these scammers too here in Canada. They call from various fake telephone numbers that when you call back you can "Number not allocated" message.
I believe that they are after your card number to get your money. Don't fall for it . No one mas gifts, but many try to scam you.
Posted by: Bogdan ( Email ) at 7/8/2013 4:06 PM

They call me time-to time. yesterday it was a US border and custom and asking my home address. Although I provided them my address but all of a sudden when I realized them being scam, I hung up. Some how they had a very old address of mine, my DOB, and email I dont know from where?
Posted by: sharma ( Email ) at 7/22/2013 9:57 PM

Credit card Company asking to lower rates. As soon as I ask any questions they hang up. Is there anything besides changing my number? Very frustrated.[All Consuming Moderators Response: Thank you for your question. The phone calls you are receiving are part of what is known as Phishing. Unfortunately, these calls are often generated outside the United States and use software that allows the caller to program a variety of official looking caller id numbers and names. The best course of action for consumers is to not answer or respond to these types of calls. If you do not recognize the caller id number or name let the call go to voicemail. If you do not have caller id and pick up the call, do not respond or press any buttons just simply hang up. For further information regarding Phishing you can read the information on the Federal Trade Commission’s website at]
Posted by: William ( Email ) at 8/14/2013 1:47 PM

I got a call from a woman saying she was withthe Spokane County District Attorneys Office and to call her back as soon as possible. I figured it was a scam since she pronounced it Spo-Cane. I called the number back and it. Was to Segal, Bennet and Associates out of Amherst NY. The man had knowledge of a six year old debt(that I'm 95% sure I took care of) and my email address but when they wanted my debit card number I refused to give it. They finally hung up saying that it would have to go to court. To any moderator this is a scam right?

Blog Post Manager Comment (KD): Most likely this was an attempt to effort to extort money out of you with the use if scare tactics. If, in fact it was a collection agency, the agency violated both state and federal law regulating collation agencies by threatening to take action they cannot take- they do not have the authority to have you arrested and cannot threaten to do so. Furthermore, every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. I would strong suggest directly the caller to your attorney if this persists.
Posted by: Dan ( Email ) at 11/5/2013 11:19 AM

Can someone recommend a legitimate company who can help me get out of credit card debt without ruining my credit? I am not behind but will be soon!

Blog Post Manager Comment (KD): While I cannot recommend a specific company to you, I would suggest contacting Solid Ground which is a non-profit organization that provides information and classes intended to promote financial freedom. You can contact them at 206-694-6864 to sign up for classes and you can find more information here:
Posted by: Ellie ( Email ) at 12/3/2013 8:05 AM

Has anyone attempted to file a lawsuit against the companies that supply phone numbers and other info to the scam telemarketers like credit card services?
AGO Blog Manager Comment (lw): It’s entirely possible but we don’t have any specific information we can pass along.
Posted by: carol ( Email ) at 12/28/2013 6:10 PM

I wish there was some way to stop these calls. Even though I pride myself on being "aware" I almost gave out my credit card number. Is there a reputable service to safe guard against phishing?
AGO Blog Manager Comment (lw): The best, and quite frankly only way to eliminate unwanted telemarketing calls of all kinds is to register your number with the National Do not Call registry. Most telemarketers should not call your number once it has been on the registry for 31 days. You can register your home or mobile phone for free.
Posted by: Cindy ( Email ) at 1/6/2014 12:16 PM

I have repeatedly tried to get the calls stopped. Today's call had more than three on the line laughing and making fun of me. They thought harassment was funny! After 5 minutes they hung up when I said they should stay on the line while I got the police department to come over and listen to their B.S.
AGO Blog Manager Comment (lw): You can report these calls to the Federal Trade Commission at 877-382-4357
Posted by: Donna McClellan ( Email ) at 2/7/2014 1:54 PM

They call me almost everyday on my cell. Im on the do not call list, I have tried asking them to remove me, i have reported them. What do I have to do to end these calls? This has gone on for years now. Why can't our government shut these guys down. Its a scam, they steal, they lie, they cheat and bilk people out of thousands of dollars. WHY HAS WASHINGTON STATE NOT GONE AFTER AND PROSECUTED THESE PEOPLE? They obviously have a call center, in todays world of technology why hasnt the FBI been able to trace them down and end this?
AGO Blog Comment Manager (lw): Please contact the Federal Trade Commission to report any continued phone contact if you are on the Do Not Call Registry. Their number is 877-382-4357
Posted by: Sam J ( Email ) at 3/26/2014 9:38 AM

I get these "Card Services" calls sometimes twice a day. I called a couple of the numbers back and they were innocent people that got their numbers hijacked. These card services jerks are ruthless burger flippers who can't find a legitimate job and their IQ's are very low. Just say you want to talk to someone then blow a whistle in the phone.
Posted by: Ken ( Email ) at 6/3/2014 5:01 PM

I get these calls all the time, when i tell them i have no credit card debt they start to ask another question and hang up mid sentence.
Posted by: Dan ( Email ) at 6/24/2014 9:01 AM

has any one go any if fo on these people--iget calls ever daywould like to stop them--thanks
Posted by: teacupp ( Email ) at 7/1/2014 8:41 AM

My complaint mirrors all of these. I've reported Credit Card Services to the National Do Not Call Complaints, but these calls are among a few others which do not stop. I've tried calling the number listed for their call and it is in my area - a private residence. How could this be? I've also pushed 3 to be taken off their list - It does NO good! I've tried pushing 1 for more information from a real person only to have him hang up on me when I began with please stop...!
Posted by: June Aldridge ( Email ) at 7/11/2014 4:03 PM

I'm getting 2 or 3 calls a day...every day...from these people. When you talk to them and ask to be taken off they hang up on you. When you talk to them and play along they ask for your credit card number. It's clearly a con. Is there really nothing we can do?
AGO Blog Comment Manager (lw:) You can report these calls to the FTC at 877-382-4357
Posted by: Bruce Fischer ( Email ) at 7/16/2014 10:21 AM

I have not only received these type of calls, but one of them is using my business name and number in a Caller ID Spoofing to get people to pick up the phone. A woman call me angry that I keep calling them and hanging up at all hours of the day and night. I told her that it wasn't me, we don;t even advertise and definitely don't cold call. I told her someone had hijacked our number. She called me back today and said they called her again so she played the game to get info from THEM. Of course it was about credit card rates, etc. I am going to the Sheriff's office and file some kind of report since the FCC nor AT&T offer any help or way to combat the problem. The people buy Caller ID Spoof programs online. Just Google it and see how easy it is - Outrageous.
Posted by: Amy ( Email ) at 7/17/2014 10:50 AM

Stayed on line to get a person to talk to about not calling anymore and was told I am a witch, with a B, and belonged in a insane institution . Do I have to take this?.Staying online to talk to representative they hang up the phone, after they made the pest call.
Posted by: Eileen Callarman ( Email ) at 7/21/2014 2:58 PM

Daily I get 3. calls between 10 a.m. and 10:44 a.m. from Credit Card Services about lowering my interest rstes. Also, every evening between 3 p.m. and 6 p.m. I get. 3 more calls from them.
Previously, I tried. speaking with them and asking to be removed from the. call list, but one of them said that it does not help, because next day the numbers are reinstated in the list. So now I let the machine answer. But this is very annoying. Hope you can find a solution to stop this harassment.
Posted by: Kim ( Email ) at 7/25/2014 7:48 AM

I have had several calls lately from "credit card services" and I hang up on them immediately -- they are recordings, or robocalls. This afternoon I received a call from them with same recording and the caller id showed MY cell phone number! AT&T suggested I change my number which imo is a big inconvenience.
Posted by: lois ( Email ) at 8/1/2014 5:10 PM

I have been following these calls for several years. I have noticed that the phone number has changed frequently. I wonder if that so that they can avoid the Do Not call List requirements. Lately it seems to be more often an 800 number. They come every day (today, a Sunday, 3 times already and more likely later). It is incredible to me that no government agency or bank credit card association will take it upon themselves to shut these predatory people down! Thank goodness that we have caller ID but nevertheless these calls are VERRRRY irritating.
Posted by: Jim Tobin ( Email ) at 8/3/2014 4:25 PM

wE ALL KNOW THAT THIS IS A SCAM. Isn't that the reason we are on the DO NOT CALL LIST? We get these credit card/interest rate calls day and NIGHT. This last one, told my husband to shut the f### up and then went into a cuzzing rage. They called us!! With all of the technology we have and the controls that the government has on everything else... can't something be done?? HELP (Am I just ranting on here or will someone actually do something?)
The Federal Trade Commission oversees the National Do Not Call Registry list. The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at this Website. You can register your home or mobile phone for free. To file a complaint please go to
Posted by: Cheryl ( Email ) at 8/5/2014 11:57 AM

They are calling my house every single day monday thru friday 10-15 times a day .. saturday and sundays they call as late as 10 p.m ..they are spoofing other numbers and there is no way to call back. I had asked them over and over again why is my caller id reading a number that is no longer in service and the person from card services tells me that my caller id is broken when I ask them what is the number they are calling from ..they curse me out and hang up only to call me again 20-30 minutes later. These people are "brilliant" because they know they can't be found when they spoof a phone number. Believe me I called up the cops and that is what I was told. So it don't matter if you're on the do not call list or not because they are using disconnected resident lines .. I hope they choke on their dinner 2nite
Posted by: krystyne ( Email ) at 8/7/2014 11:24 AM

I just got a call exactly like this but then we got disconnected when I told them I didn't have any credit cards at all. I called the number back and the message said to press any digit to be removed from the calling list. Not sure yet if it legitimately removed me but it's something to try at least.
Posted by: Julia ( Email ) at 8/14/2014 1:19 PM

Why cant any of the state or federal government shut these scammers down. They have been doing this for years.
Posted by: Harold James ( Email ) at 8/14/2014 3:11 PM

Seems WA is doing something about this. I live in California, I receive phone calls daily from them. I tell them to take me off their list, they hang up. I push number 2 to opt out, it doesn't work. I asked the service person on the line to speak with a manager they quickly hang up. It is annoying and flat out wrong. I know it is a scam.
Posted by: Daniel ( Email ) at 8/14/2014 5:15 PM

What I do is engage them in prolonged conversation. You know that while they're talking with you they can't be ripping some other person off. Just when they think they have me hooked, I tell them the door bells is ringing and I'll be right back. I put the handset on 'speaker' and just lay it down. Some hold on for half an hour! Can't be too smart to have a job like that☺
Posted by: Earl Kennedy ( Email ) at 8/27/2014 11:53 AM

I just received ANOTHER credit card service calls & it said to press 9 & no other option to be removed so i tried 0 instead & it took me to a rep, well i told him i was sick of these calls & wanted my # to be removed immediately!! He than says I can bill your phone # $25 for it to be removed & I said i don't think so!! He says you don't think so, i said this is a bunch of crap & I'm tired of getting scam calls & he hung up! so i never know if my phone # can be charged by them or not, kinda worried now! but he really took me by surprise when he said that cuz normally when i press to talk to someone & i say remove my #, they just hang up! anyone else have this happen or know???
Posted by: Ginger ( Email ) at 8/30/2014 11:52 AM

These credit card services scammers called me using my own phone number. How can they do that?
Posted by: Randy Cook ( Email ) at 9/20/2014 10:04 AM

Today i have received a call from +919268688485 he said i am calling from visa master and he said you are using your card very with good limit and your billing is on time. So visa master has selected your card as lucky card and we'll send you offer package. My first impersonation was wow!! than i listen that idiot and suddenly he asked me.
"Sir can you please tell which logo is on your card like master card, visa card."

But i refused to share anything, then he started explaining that sir we are from visa master and this call is under recording so don't worry.

Again i refused and said him if you have my card details you are from master card than you must have everything. First check that than call me.

Than again he said sir, i just need to know logo on your card, its just for verification, refused again.

After few minutes of talk he ends call very politely, "Thanks for talk."

Friends, Be aware from this kind of persons or phone calls or messages. Don't share anything about your privacy even on small to big or big to small discounts
Posted by: Manish ( Email ) at 10/1/2014 3:47 AM

Just got one of these calls earlier today, you're the top result on Google. When I called back, they hung up on me within 2 seconds when I asked if it was a one-time offer or if I could call back!
Posted by: Florida, Winter Haven ( Email ) at 10/3/2014 12:09 PM

I Just got caught with this scam. When the agent was able to give some personal information about my account, I thought it was legit. So I gave me card info. After the call, I felt uncomfortable and call my bank. Who confirmed it was a scam so I cancelled my cards. I am so embarassed to have fallen for this. He called from 603 913 0091, I called him back to confirm he gave the phone 321 214 0997 and someone answer and tranfered me to him. They the phone saying card service.
Posted by: Lisa ( Email ) at 10/14/2014 11:16 AM

ive been getting calls to lower my interest on credit cards for 10 yrs now even tho pre recorded message says this is yr 2 nd and final notice usually out of state even tho for a while it was local number close to mine. theres another message that says to hear terms and conditions to press 1. i have yet to hear terms and conditions even tho i asked many times . they hang up. they are violationg numers laws even before you get to speak to live person and many lies. robo call , fake caller i.d etc. 1 caller asked why i picked up since i was going to get called regardles if i picked up or not. not to mention there is no way they can lower yr credit int rate. the people calling are not yr credit card co. i do know someone who gave out his personal info. he had 3 items on his credit card for over 1500 and not legit. and they tried to get cards in his name . do not ever give out personal info.
Posted by: DAVID RIEF ( Email ) at 10/23/2014 4:11 PM

just received the call. it went like this.
Operator: hi, do you want to take advantage of the lower interest rate?
Me: what company are you with?
Operator: Credit Card Service.
Me: I mean, What Company are you with?
Operator: CREDIT CARD SERVICES, do you want me to spell it for you ?
Me: Yes Please.
Operator: GO TO HELL! and hangs up
Posted by: joe ( Email ) at 11/26/2014 9:13 AM

Now they are calling your home like it is your self calling other wise on the caller ID your own number shows up....
Posted by: Joe ( Email ) at 11/29/2014 10:30 AM

Why is this not a priority for our government? It is obvious that this criminal network is conducting business as usual in all states of the Union without anyone targeting their systems and causing them a massive burnout or drone strike. These financial terrorists are defrauding our neighbors and our friends and family, let's unite and put an end to this sophisticated telephone thieves. It is a shame that such place has not been located and we as the world,s Empire have not taken the freedom to put a massive effort in to making these efen pilgrims suffer for their transgressions.
Posted by: Long John Silver ( Email ) at 12/8/2014 7:11 PM

best podt in the best Blog thanks for sharing and good luck :)
Posted by: Daniel ( Email ) at 12/10/2014 1:47 AM

I like pay with my accunt paypal and thanks for sharing
Posted by: mobile cell ( Email ) at 12/12/2014 1:43 AM

I spoke with a representative from card member services. The man on the line swore at me when I asked to be taken off of their call list. He then told me I had a seductive voice proceeded to ask me about my "boobie size." When I asked him what he gained from all of this, he hung up. Is there an agency out there that can protect us from this type of harassment?
AGO Blog Manager (lk): The Federal Trade Commission oversees the do not call registry list. If you are on this list please contact them at 877-382-4357
Posted by: Samantha ( Email ) at 12/29/2014 5:25 PM

i receive these calls from all over the country.ask them to stop and they hang up.reported them to donotcalllist.what do we have to do to get them to stop.i thinnk we should trck them of omaha is what the web site says.SUE,SUE,SUESUE,THEM. THANKS
Posted by: Brian ( Email ) at 1/12/2015 2:16 PM

Leave a comment
Name *
Email *

All comments are reviewed to ensure compliance with our Blog Comment and Use Policy. Comments are generally posted within two business days. Send Feedback
Content Bottom Graphic
AGO Logo