Then just mention that you like to have a conversation while you masturbate.
Oddly enough, they don't seem to call back. Go figure.

i just got a call on my cell phone. The number that called was 815-730-4900. They said my credit card had been compromised. That i needed to answer 3 questions. The first was they wanted my credit card number. I immediately hung up. Do not give out any information.

Thanks to the stories shared on this thread, I was able to avoid exactly this scam this afternoon. I wrote a blog post about it in case it's helpful to others and linked to this thread. Find me on Wordpress blog called Fizgiggery if you want to read more. (Can't put URL due to spam filter.)

NEVER GIVE OUT YOUR ZIP CODE AND CREDIT CARD NUMBER - the scammers place you on hold to call your bank, and can get all sorts of automated info about your account (current balance, remaining credit line, payment date, minimum payment) which lull you into a false sense of security! HANG UP!

see my site at www.cemiller.com for all their contact information.

I am at home today with the day off just got done with the call. Pressed 1 and it rang and rang. So I hung up. About 15 minutes later they called and I got sucked into the call. I have a card that won't change the rate...they won't close the account, they won't work with me and I've been trying for a while now...so the thought of getting 6.9% would be great!

So, I hung up and started thinking about the call and thought why, if they are going to help me would they need a card to have an available balance on it other than to charge me for their services - It hit me = SCAM! I called my credit card company (who I think is a scam in itself for the rate they jacked up on my account) and had my account number changed. My new card is in the mail. I just hope they, the scammers, don't find any other way to scam me with the information I gave them.

And now I am sadly disappointed in myself because I surely hope they don't hound me. I think finding those FBI phone #'s and Chat line phone #'s is what I will have to have on hand for the next call ...or when they call I'll tell them I have contacted a local credit counselor and no longer need their service in hopes they leave me alone.

So, that's why I'm here...I called the #877-659-9935 they gave me - (because I said I would make a payment to my card because "I wouldn't qualify unless I had a $1000 available on my card!!!")....and asked them who they were and the gal said Amercian Life Solutions and they've been in business for 10 years.

Well, everything that everyone has said here so far is what has happened when they called so I know for sure they are a scam.

Thanks to all for writing here! This helps so much. I've been scammed before and that's why I have the ridiculously high rate on the credit card because I took a cash advance to pay a scammer...and then the credit card company raised my already ridiculously high rate to a higher rate and now I have no way to get out of it because no lenders will touch me right now. It's a terrible mess. And to think I almost got scammed again. That would be like getting scammed three times on the same money.

WOW! Watch out everyone! Do not send anyone any money! Even if they seem legitimate and have their ducks in a row - like the guy who scammed me in the first place. I was working on a business deal to purchase a local car wash with a business broker who actually helps people find lenders...(I had plenty of credit - just no cash) and We All Got Duped! So, don't believe ANYONE!!! Just don't do it. Now I will be paying on this for many years to come. And then these scumbags "American Life Solutions" calls to help! This world is full of SCAMS...One after the other!

Candace
from Minnesota

The lifetime of this scam is impressive.
I've dealt with these guys several times over the last 2 years.
Don't waste effort reporting to any agencies, you'll get nowhere.
If you upset them in some way, i.e. get irate or threaten them, you'll receive a barage of calls from different numbers from them, requiring you to block them, one by one, until they stop.
Best way I've dealt with them is to play along until they ask how much your CC balances are: tell them a low number, say $100. They'll hang up and not call back for months/years.
There is no permanent solution (so far) so they never call back.
Several folks have attempted to waste over an hour of their time (and, by all means, if sacrificing your time like that brings comfort to you, then do it) but months/years later they still call back.
If law enforcement reads this, please allow these scammers to charge your card, trace the charges to a physical location, and then post the physical location here. We want an exact address please. We'll take care of the rest.

They are now using (626) 666-2000 as their number, at least for now. They called me this morning, but my cell phone was on "vibrate" mode, so I didn't hear it. I noticed that I had a missed call, so I called the number, however, the message stated, "You have reached Card Services. Our office is now closed." What office is closed at 10:00am? I googled "card services" and found your blog. THANK YOU so much for having this blog! Spread the word.

"Card Members Services, Inc." has been calling me incessantly despite attempts to be removed from their call list. Next time they call I am going to string them along awhile until I get a "supervisor" and then tell them I will be happy to give them all of my information if they will give me a sign of good faith: "Please give me YOUR social security and credit card numbers!"

I had always suspected they were a scam - probably just phishing for personal info. This is the first time I have looked online for other peoples' experiences.

At one point, they called me 1-2 times per day for 2 weeks (most of the time I didn't answer). Reported them to the FTC repeatedly, but I knew the caller ID numbers were bogus. I even had the phone company "mark" the number of the call - a service for which you are charged (only $1 or so). Unfortunately, they don't give you the number, but have it available for the authorities if they request it. I'm sure the FTC never followed up on it.

Finally, I played along with them. The guy asked me for my card number and I told him I thought he had that information - he explained that he was not the card company, but that they work WITH the card companies. I asked what company he was with and he said "Card Services". I acted like I was convinced. He asked again for my card number and I told him that I didn't have it with me because I was in so much CC debt that I wasn't using it and that my wife hid it from me but if he gave me a few minutes that I thought I might be able to find it. He agreed. I left the phone and did something else. Came back after 10 minutes or so and he was still waiting. Told him I couldn't find it but that I would look for an old bill and call him back. He wouldn't give me a number and gave some story that he was hard to reach but said he would call back. He never did - in fact the calls stopped for months!

Now recently, I have started getting them again at home and on my cell phone. They don't seem to have any of my personal information.

I'm prepared though - I won't answer my cell from numbers I don't know. At home I will just answer and put them on "indefinite" hold while I'm "looking" for my card. I'd get more creative, but if I waste my time, I somehow feel like they win. Maybe I should answer the calls on the cellphone and use my bluetooth earpiece while conducting on my daily routine. Maybe I could talk to them while I'm checking out at a store and talk to them like I'm an addict calling his sponsor while scoring. LOL!

I gotta say they're not that smart. You would think that an internal "do not call" list would help them. I mean if they call your number and you don't fall for their scam, what makes them think that if they keep calling with the same scam, that you will fall for it. The fact that they are willing to waste their own resources trying to scam people who know better offers a small amount of consolation.

I just received yet another phone call from "Card Member Services." First, an automated voice asks if I want to lower my interest rates and that I am receiving this call due to President Obama's "Credit Relief Protection Act." If I do, press # 1. I know this is a scam, but I press # 1 anyway just to mess with these thieves/waste their time because I cannot stand the fact that:
Number 1- they are trying to scam me.
Number 2- how stupid they think we "customers" are.
Then a man comes on and asks me if I want to lower my high interest rates on my credit cards. I ask him what credit card company he is affiliated with and he states that he represents many different credit card companies. I then ask him if he needs personal information such as my S.S.# or credit card numbers because if he does, I am not interested. He states that if I will not give him my S.S.# then yes, he needs my credit card numbers. I tell him that I am not comfortable giving him this information. I also tell him that I have received this type of phone call before and that I contacted my credit card companies (ie. Chase) to find out if they are affiliated with "Card Member Services" or similar companies. I told him that the companies told me that these types of calls are scams and to NEVER provide personal information to someone contacting me on their behalf, that I would never receive a phone call from "Chase" asking for any personal information.
I then ask him if he is working on behalf of my bank and/or credit card companies, why doesn't he already have the information that he is requesting. He sounds annoyed and states that he can do nothing with just my credit card numbers and that he is not requesting the pins or 3 digit security numbers on the backs of my credit cards. He also states that he can give me a number to call and verify that he is calling from a legitimate company. He states that if my interest rates are above 12%, he can "help" me. I tell him that I only have 2 credit cards and that both of my interest rates are below 12%, and in fact, the interest rate on one of my credit cards is at 0%. He then asks me if the rate is a promotion or did I "earn" it. I tell him that I earned it. Click. He hangs up on me.
The number he called me from is 1-206-397-1563- always a red flag when a large company does not call you from either an 800 or 866 phone number. I try to call back and get an automated voice, which thanks me for calling back and then asks me if I would like to be removed from their calling list. If I do, press # 1, which I did (however, I know they will call again). I do a reverse look-up of the phone number and the company is based in Seattle but there is no name or address.
People, PLEASE, tell everyone you know about this scam from "Card Member Services" or "Credit Card Services." I cannot tell you how many people I know that have fallen for this particular scam. A red flag should be raised immediately if someone contacts YOU asking for ANY personal info such as your S.S.#, credit card(s) numbers, etc. These calls are NEVER LEGITIMATE!!! I HOPE THESE THIEVING BASTARDS GET CAUGHT-A LONG SHOT I KNOW- AND PROSECUTED!!!

P.S.- today is a holiday, banks closed. Why would a credit card company call today of all days?

Kimberly C.
Oakland, CA.
7/5/2010

Call was from a Tony Seals from "Card Services". The long a short of it was that he needed my credit card number and 1.800 number so he could call the card company and reduce my interest rates. I bullshit them around until "david" his supposed manager got on the phone and I told him to get bent and that I was calling the FTC. All of the information I collected is below:

Tony Seals - Said he was an Account Rep. Not sure what that means...
He said he could be reached at 1.888.568.5274. No direct extension but he said the receptionist would put my call through to him.
Said he has 6 kids. I guess he needs to steal from people to feed them.
Said he was calling from and lived in Atlanta GA.

I really hope someone does something about these people.

Feel free to call both Tony Seals and his manager David.

Found this Company that keeps calling me. For two years I've told them to stop calling and that I'm on the do not call list.

Debit Erasers
San Diego, CA

http://www.debteraser.com/

I just got a call from this same group using a cell phone. this did not strike me as wrong at first but once it did I KNEW A LEGIT. COMPANY WILL NOT CALL USING A PRIVATE CELL PHONE. This one came from Grorgia from a male who got mad when I told him to quit calling and that I was on the National do not call list. His statement was to go ahead and report him. This was clearly another scammer trying to get money for doing nothing but stealing from others, This guy recording when I called back was Matt.

I got a call recently and pushed 9 to get a live person, asked what company it was and got the canned credit card services, told him I was on the do not call list, he did something where he verified my number, but of course he said what sounded like "lawn" instead of eight, at that point I wasn't sure the guy was saying there so I asked him and he blew up (obviously 'lon' means eight). The guy claimed to be in pakistan, which is probably true, acted like he was superior because his company is bailing stupid american's out of debt and how we're dumb for using credit cards (not necessarily wrong about that in the general sense...). He also said his company didn't work for an american business, I'm sure he was lying about that, but mostly his spent his time swearing and calling me a "dumb nuts" with an occassional actual swear word or two, but generally being extremely unproffessional. The guy also did a pretty good american impression, not the kind where he talks without an accent and sounds american, more like the kind a comedian would do on stage if he was doing an impression of jeff foxworthy, I actually found this part pretty funny (though I'm sure it was probably an attempt to mock my missouri accent... which ahem... is now bad enough I hear my own accent, not sure how that happens).

Just for the record, I don't think there is anything remotely legitimate about the company, but don't expect them to honor any no call list, particularly one where the rules are supposed to be enforced by the US government, as these people are not operating in the US and probably have learned not to divulge the company they are working for under any circumstances.

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implant mammaire

Just got calls on both of our phone lines, both from "Rachel at cardholder services" and both telling me to press 9 to lower my credit card interest.

I've been getting these calls for years. When I've tried to ask for information about who they are they go into a loop response that they are cardholder services, as though I were a moron for not knowing who they were. Today I pressed 9 twice. The first time they asked if I was calling to lower my interest rate. When I said "No, I want my number taken off your list" they hung up around the time I said "No." For the second call I gave them a first answer of yes, and could hear the operator settle as though he was getting ready to take lots of notes. When I said I'd like to have my number taken off their lists he told me he couldn't understand what I was saying. When I repeated the request, using only church-suitable one-syllable words, he hung up.

I'd love to report these people, but I've never gotten a phone number or a business name out of them. If they call at a time when I can waste a bit of effort I'll see if I can learn anything useful enough for me to report their sorry asses to the FTC and the FCC.

Thanks for the info. I called back the number that called me (they said they were "Card Member Services") and got some completely different kind of spam! A black guy telling ladies to leave him a message and he would take them to lunch. lol.
I filed a report with the FTC.

http://www.ftc.gov/os/caselist/1023060/index.shtm for info.
https://complaints.donotcall.gov/complaint/complaintcheck.aspx to file a complaint.

Ha, these clowns started calling me a while back when I was traveling in the N. VA region, I played the press 2 to be removed game, it actually worked for a while. Then it started again, I got an obviously young slacker type on the phone, explained to him that I worked on a joint task force w/ several U.S. Gov't agencies and that we were actively tracking him via his auto dialer serial number and had isolated his location to within 2 square miles, to be patient and an associate of mine would be knocking on his door momentarily, he panicked ((I was shocked as I was b.s.-ing like a champ)) he actually apologized and ended the call politely, the calls after that point stopped for several months, unfortunately they've started again so now it's time to begin lying to them again, FYI NEVER give these idiots anything they ask for.

888-293-4792 - Just received an UNSOLICITED, UNREQUESTED, and ILLEGAL Automated Auto-Dialer Phone Call from "Annie" at "Account Services". She was calling to offer to lower my interest rates on my credit cards. Call offers NO Opt-Out Option whatsoever, which is also ILLEGAL. "Annie" also states that I have to call this number immediately to receive this special offer from them. Reporting to the FCC and BBB immediately. Yet another scam company violating numerous Federal Laws. ALL of my numbers are on the DO-NOT-CALL List.

A reader sent this link to me:

http://www.tulsaworld.com/business/article.aspx?subjectid=15&articleid=2...

From the article:

The FTC complaint alleges that in the past two years the defendants called consumers nationwide claiming the companies could negotiate with credit card issuers to substantially lower consumers' credit card interest rates. They also allegedly sent "robocalls" with urgent messages from "Card Services" or "Financial Services." They told consumers to "press 1" to speak to a representative about their credit card interest rates. Many consumers believed the calls were from their credit card issuers.

Consumers who signed up were charged $499 to $1,590 up front and promised their money back if the callers failed to deliver at least $2,500 in interest rate savings, the FTC alleged. Instead of arranging reduced interest rates, the defendants sent consumers instructions to pay down their credit card debts early, thus saving money on interest. Consumers who complained and demanded refunds were denied outright, got the run-around or had a $199 "nonrefundable fee" deducted from their refund.

Could this be the end of our (not so) dear friend, Heather With Account Services?

310.568.6007 Call it and mess with them! The guy i spoke with is really stupid!

I have received over 200 calls from cardmember services. The recorded message goes something like "hello, this is Rachel" Would you like lower credit card interest rates as low as 6.9%. If so press this number or press this number to be placed on our do not call list.
I found a website that seems to be theirs (https://www.cardmemberservices.com/ccp/index.jsp?pg_name=ccpmapp/cms/exp...). Ironically the site is about protecting your identity! I called the number for personal cards (877-999-3872) I was asked to key in my 16 digit credit card number so I pressed 0 and got the "invalid response" reply. I then pressed 0, 16 times, I was transferred to a live person. Her voice had an accent and I am sure she has recorded a similar message that "Rachel" uses.
She asked me for my credit card number, after I explained to her that someone, with them, had been calling me repeatedly asking for my credit card number and social security number... She asked me for my credit card number and I told her I didn't have a card with them. She then asked me for my social security number!!!!!!!!! I told her she was doing what the callers do too often and I wanted it to stop. She said she could put me on their do no call list and I explained they had done that over 200 times already. I told her that her lack of concern bothered me and I asked her for a number to her legal department and she said she could give me a fax number. I said ok. I asked her for the name of the contact person. She asked me to hold... When she came back she said there was no fax number nor name but I could call this number 212-552-5043 and leave a message and someone would call me back... I believe this is the one calling us.

I also received a call from Card Services, a nice chap who quickly built up trust. I almost bit, but decided to "think about it" and call him back, especially when he pressed for the number of a credit card that was not maxed. Having read some of the experiences on this site, I'm glad I didn't comply with his request. If their scam is to charge a fee to our cards, then perhaps the solution is to innocently say our cards are maxed and ask if they can still help reduce our interest rates.

"No? Oh crap! Your offer was sounding so good. Thanks anyway."

Hang up the phone and smirk.

Has anyone tried this tactic?

Yes, they are at it again. I am on a do not call list, but they still keep calling.
The number that showed up on my caller id is 402-982-0419. They knew where I lived and the type of credit card I have. They tried to sell me fraud insurance for $17.99 a month. They said that they are contracted with my credit card company. I declined and the caller got angry and wanted to know why I wouldn't buy anything. I hung up. I called my credit card company which told me that is a scam. People illegally obtain your credit card information and then try to pose as a contractor for the credit company and sell you things that you don't want. I believe the caller company said they were Senergy Solutions. BEWARE. In this time of economic crisis- people are trying anything and everything.

They are at it again, but these guys must be amateurs - they don't even pretend to be legitimate. When I asked who he was he said "I am the credit card rate reducer". Asked what company he was with: hung up.

Pretty sad. phone number he called from was 659-000-5617
Caller ID said "name not found"

I have been getting this scam call every few days for a while now, so I had some fun the last time they called. I played with them for about an hour! First I got Juan (extension 254). I told him I had 6 cards with at least 30K of debt. He said that's perfect and asked for my card number. When I questioned him, he directed me to the BBB, but refused to give his company name or website. I gave him a made up card number. He asked for the bank's phone number, and I gave him the number of an FBI field office. He put me on hold for 5 minutes, and came back and said they had never heard of that card number before, and asked if I had a different phone number. I gave him the number of an adult chat line. Hold for another 5 minutes. This was the best part: he came back on the line and had DEFINITELY called the chat line. He asked if I was joking, and I said I must have misread the phone number on the card. I asked to speak to a manager. I got Allen, who seemed drunk, and was very rude and kept interrupting me. After 10 minutes back and forth, he gave me their website and phone number. By that point, I was bored, so I got off the call.

Their website is:
http://www.aplusfinancialcenters.com/

Their "real" phone number is:
(877) 748-2626
That should actually go through!

310.568.6007 it rings to a person. they dont know you called them