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Cardholder Services

Updated on March 22, 2010

Has Cardholder Services called you?

You may have recently received a call from "Cardholder Services" offering you a lower interest rate. The calls are made by an auto-dialer which plays a pre-recorded message saying something along the lines of:

"Hello, this is Rachel (or some other name) from Cardholder Services. Although there are no problems with your account, but you have a limited time to take advantage of an offer to lower your interest rates."

You are then given the option to either press a button to talk to a representative, or press a different button to have your number removed from the list. Pressing the button to be removed from the list doesn't seem to work; the calls simply continue. If you press the button to talk to a representative and attempt to find out anything about the company - their phone number, where they are located, etc. - the representative will usually simply hang up on you. The caller ID number seems to invariably be fake.

There appear to be a number of illegal things about these calls:

1. They are often made to numbers on the national do-not-call list.

2. They keep calling you even if you tell them to stop.

3. They refuse to provide any information about who they are.

4. They call cellphones.

5. They use auto-dialers to play prerecorded messages.

Although this is very annoying, there appears to be little that can be done. Since they won't tell you who they are or what their real phone number is, there's no way to file a complaint with the FCC.

An internet search reveals that this behavior appears to have been going on for years, at least as far back as 2007: . It is astonishing that such behavior could go on for so long without anyone doing anything about it.

Do you have any experience with Cardholder Services? Do you know anything about them? If so, please leave a comment below.


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      Chris Miles 23 months ago

      5-7 times a day I get calls from them all somehow using my wife's cell number, imagine my surprise when it's a recorded msg. From cardholder services ... I'd love to file suit it's got to be identity fraud.

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      sam floyd 23 months ago

      federal court thats what state attorney told me as soon as we lock them down

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      23 months ago

      I just got a call from Cardholder Services, the rep. (Johnny Parker 1800-847-2911 -Call back #) out of Atl, GA, tried to verify that I was the legal card holder by requesting exp. date and card number. he was able to tell me what number my card started with but did not want to confirm the rest. I told him that I was not comfortable giving that info over the phone, so I asked if there was any other way to verify that my card was actually mine. I got as much contact info from him as I could only to research them on the internet and find out the are 16K+ victims of this fraud. glad I did not give him anything, BEWARE!!

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      Paul Kaldy 2 years ago

      Funny Real Cold Call from India w/ Eric Nelson 800 847 2911

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      charlie 2 years ago

      This "Card services" scam has been calling my cell phone 2-3 times per day for 23 months now and won't stop. I have asked them nicely to stop calling and they usually hang up before I can finish my request. Sometimes they cuss at me then hang up. Then they call again an hour later from another spoofed number. One time they threatened to call everyday... and they do. Call block does not work because they keep changing the spoofed number. AT&T is useless in blocking these spoofed numbers. FCC complaints are not effective. I have found a way to get them to stop for a week or so. Get them amped up like they are about to get your credit card number then tell them the meanest, harshest, and most degrading things you can say to a scumbag for harassing you everyday. Just don't make any threats. I am now getting scam calls from a fake life alert "Hello Seniors" and some of those calls are using the same spoofed numbers as card services.

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      chaz 2 years ago

      Get the calls twice per day.. We just hang up ,and,go about our business ...Dont get an ulcer over this !!!

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      Greg 2 years ago

      Pushed 9 this morning to see who this was, using my own name and number for Caller ID. Had the same experience as above. Hesitant to give me company name, kept saying "Experian" and "Visa & Masters." Told me they represented my bank, but could not tell me what the name of bank is. Did admit to the company name of "Card Member Services" in Atlanta. Got the "over $4,000 is debt" line. As I continued to push, I finally got a "Fuck off! Asshole!" out of the caller. I consider that a success.

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      Mae 3 years ago

      Got called from a Maine number thirty minutes ago: 207-738-5788. I'm sorry if that is a real person's real phone number. Spoke to "Paige" who explained that she is calling from Credit Card Holder Services in their qualifications department. She explained that I was put up for a review with Experian Credit Bureau ( as if this is a legitimate thing... Is it??), therefore my phone number is on some call list somewhere allowing unsolicited inquiries. She asked me if I have debt, I said yes, gave her the name of the debtor and dollar amount, just to see where this went.

      I have gotten this automated call with prompts before, but this time my curiosity on what bullsh** they were selling got the better of me.

      She states that there is no out of pocket expense for me if I qualify, and I qualify by them getting my account information and then asking Amex through their special corporation-corporation relationship. Apparently, they have more leeway than a corporation-consumer relationship would (if I were to just ask Amex nicely to reduce my rate to 6% on my own). To be sure, I don't see how what she explained to me gets them any benefit from my acquiescence on the surface, as if they are some volunteer consumer-friendly agency I have never heard of or asked for assistance...."Paige" said that their goal is to get my rates reduced, and thay they service 500 nationwide lenders, so based on my 6-month payment history, the rate reduction would be determined for qualification. So they wanted my balance and 6-month payment history. At this point, I put "Paige" on hold, read these complaints and hung up. Don't you know, "Paige" called me back from 1-800-847-2911, their customer service number! She said we got disconnected. I said, "I'm sorry about that but I'm not interested in your services at this time, please take my phone number off your list, thanks".

      Haven't called back this 1-800 number to see if it's legit, but whatever...

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      Clyde M Sanford 3 years ago

      Ways to Deter Predatory Unlawful Debt Collection:

      Untrue, unfair, disrespectful, undignified, deceptive, and fraudulent practices imposing illegal, unfair and abusive debt terms on innocent victims that do not owe the debt the predators are trying to collect; therefore innocent victims are becoming “prisoners of debts that they do not owe.”

      (509) 982-4532 from Unlawful Debt Collector Predator, Fri. 10-3-14 11:19:22 AM Land Line Query ID: 1412352964,

      Caller ID indicated 509-982-4532 call from Washington (Spokane, City: Odessa, County: Adams) on 10-3-14 at 11:19:22 from a land line.

      The call was from the usual and typical radical bully parasite predators' Rogue "Isms'" State's masterminds' core and enterprise groups' co-masterminds, co-conspirators and/or inadvertently fooled and/or other facilitator traitors conspiring to repeatedly perpetuate patterns of prohibitive and other racketeering activities, including any act or threat involving robbery, bribery, extortion, embezzlement, extortionate credit transactions, obstruction of justice, obstruction of criminal investigations, obstruction of state or local law enforcement, interference with commerce, robbery or extortion, racketeering, interstate transportation of stolen funds from collection of an illegal debt, mail and/or wire fraud, financial white save trafficking, any offense involving fraud connected with a case, any act with is indictable under the Currency & Foreign Transactions Reporting Act, and prohibitive activities: It shall be unlawful for any person who has received any income derived directly or indirectly, from a pattern of racketeering activity or through the collection of an unlawful debt in which such person has participated within the meaning of the RICO Act, to use or invest, directly or indirectly, any part of such income, or the proceeds of such income, in acquisition, of any interest in, or the establishment or operation of, maintain, or to conduct of such enterprise’s affairs through a pattern of racketeering activity or the collection of an unlawful debt, any enterprise which is engaged in, or the activities of which affect, interstate and foreign commerce, and it shall be unlawful for any person to conspire to violate any of the provisions of the Racketeer Influenced Corrupt Organization (RICO) Act … subject to criminal mega fines, pleading guilty to felony(s), prison time, and under the RICO Act enter a judgment of forfeiture of all business and personal property to the United States and shall also authorize the Attorney General to seize all property ordered forfeited upon such terms and conditions as the court shall deem proper … and civil damages are triple (actual / compensatory damages and punitive) damages plus attorney fees and costs.

      The Rule of Law give us innocent citizen victims the choice of suing the above described parasite predators. Some of us are of the opinion that the $1,000.00 per violation of the Fair Debt Collection Practices Act is a scam designed to protect the criminals from being held liable for the actual/compensatory and punitive damages that far exceed the insignificant and immaterial $1,000.00!

      $1,000 per Fair Debt Collection Practices Act violation and for example:

      $1,000.00 Actual/Compensatory Damages per violation

      Times Two = It only takes two violations of the RICO Act as a minimum = a total of

      $2,000.00 or more Actual/Compensatory damages due to Fair Debt Collection Practices Act (statute of limitations is only one year)

      "When people have the right information, they will make the right decision." Abraham Lincoln

      But don't take anyone's word for anything, just follow the vital empirical Prime ("Prima-Facie" adj. Sufficient to establish a fact or raise a presumption unless disproved or rebutted) forensic evidence and related facts to discern the truth for ourselves by searching various sources ... and leave the judging up to His professionals!

      $10,000.00 Other Actual/Compensatory damages to credit or whatever

      $25,000.00 Punitive Damages

      $37,000.000 Total Actual/Compensatory and Punitive Damages

      Times There due to Triple Damages under the RICO Act

      $111,000 Total Triple Damages

      $39,000 Attorney Fees of $30,000 and Pro Se Litigation Fees of $9,000 = $39,000 Total Legal Fees

      $15,000 Other Legal Costs during discovery etc.

      $165,000 Triple Damages plus Attorney Fees and Costs

      Which makes the whole process of getting even worthwhile!

      But even more important … RICO Act makes the whole process of Collecting illegally not worthwhile!

      Notices: All are respectful additional information requests, questions, constructive criticisms opinions … And following vital empirical prime evidence and related facts to discern the truth for your selves certainly may lead to allegations …; All are Subject to errors and omissions … Therefore, consult your own professional because we are not professionals and are not giving professional advice!

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      Michelle 3 years ago

      I answered my house (saw a local #) it was a recording Hello this is Rachel with Card services ....blah blah blah so I hung up!!!!!! Double checked my caller Id it showed my own name and number calling. WTH

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      DeletedMedia 3 years ago

      “Richard the qualifier” says Experian "the Credit Bureau has turned us over” say WHAT ? ? in excess of four grand in debt ! ? (@approx 4:27)

      More “cardholder service” fronter, closer youtube buffoons argue with soundboards.

      Cardholder Services Wav 5

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      CarlNRitaRiggs 3 years ago

      Our experience has also been that they use numbers that are local...when you call that number you find that it is a disconnected number...just yesterday we received one that our caller ID identified them as Century Link.... this is not only annoying , disturbing, false advertising... but since it's been going on in our home for 2 years... harassment .... we should be able to sue these people,,,, we are so tired of Rachael..."Act now, this is your final call".... FOR 2 Freaking Years... blocking calls does not work..... Class action would be a good thing if we can make it work....

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      Johnc413 3 years ago

      I like this site its a master peace ! Glad I observed this on google. The definition of a beautiful woman is one who loves me. by Sloan Wilson. aefdkddeaefd

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      jerrold gunter 3 years ago

      They called using my own land line number

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      Barack 3 years ago

      The National Do Not Call Registry is a joke. They apparently have no more power to stop these calls than any of us do., because I get three or four calls a week, every week!

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      rcreek00 3 years ago

      when i hit "9" for an operator the rep asked for my name and info. i asked "why dont you have that info in front of you?" he said "you were transfered to me" when i told him i wanted my # off he asked what my # was!

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      rcreek00 3 years ago

      i just received this call for the 1st time on my cell phone. came in as an unknown number. i am on the national do not call list w/ this number. i asked what company this is and he replied "card holder services for visa/mc." i insisted he take me off his list. he said he would after multiple times asking why.

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      Laura Andrews 3 years ago

      card holder services is the same company as the medical alert scam company. they've called me from the same number and the rep that i talked to actually said they were.... hope this helps shut them down

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      AW 3 years ago

      Just got the daily (often more than once) call from 'name' at "Cardholder Services". Ask who they are and they give the usual BS answer with no real information.

      Also did a *69 (last call svc) and got a number very close to mine, but which has been disconnected or no longer in svc.

      Just happen to have a New Years horn handy and it just happened to honk while on the phone -

      One of the few things you CAN do to minimize this is to have your calls go to your ans. mach. - pick up if you recognize the caller or else call the person back later.

      There doesn't appear to be anything legit about whoever is making this

      unending stream of UNwanted calls.

      Get a New Years horn and have it handy!

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      Mary 3 years ago

      We have been receiving these calls from "Rachel"for a while . Today, I did a star 69 and it gave me my own phone number. How do these crap ass creeps do this?

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      Sandy 3 years ago

      I get a call everyday at work on my cell. I have ask to be removed but they still call. I have pressed 1 to speak with someone and as soon as I tell them I want to be removed they hang up on me. What can we do to stop these calls?

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      stacy 3 years ago

      I keep getting these calls from 'carmen' calling from a local number. I finally called that number and got a really nive ol

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      ronald rollings 3 years ago

      Any one that get a call from card holder call your own bank and give them the information and they will handl it. rollings

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      ronald rollings 3 years ago

      Any one that get a call from card holder call your own bank and give them the information and they will handl it. rollings

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      patriot pride 4 years ago

      I am so disgusted with their daily calls as many as 5 times a day. It is to harassment stages since 09. You can't get rid of them. Have reported at least two dozen different numbers and names, Rachel, Ann, Sheryl etc., only to have the calls through a different number. If you stay on the line and someone answers, you may say. Let me speak to your manager. Instantly the click from haning up is heard. I would like to hunt them down and crap in their face.

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      Brooke 4 years ago

      I would say today takes the cake on "Cardholder Services"...they call me almost on a weekly basis...I have to say I have had about a month break but today I guess it was my turn, the last couple of times I started to ignore since they will hang up as soon as you ask to be removed, or you have great credit, or anything besides your card number. I do occasionally get bored and try and give them fake information just to see how far they will go. So today was one of those days, this is the first time I got someone who was not white. He actually was "nice" given the circumstance that he was trying to steal my credit card information! I went along until he asked for my credit card number then I told him I just didn't feel comfortable giving him that number (I always thought about giving him one off the top of my head but my luck that would actually be someone's card number). I asked him to give me his credit card number and he gave me a number (who knows who's that was!!) After we had a discussion on to why I still didn't feel comfortable I started asking more information regarding "Cardholder Services", he gave me the name but as soon as I asked for a contact number he filled the script. He asked if I was playing games. Which I responded yes because that's the only option I have since they will not remove me from their list and they practically harass me. WELL he wasn't happy here is how the rest of the conversation went:

      He asked me if I was a virgin, which I laughed and asked him the same question which he replied yes. Then he said that he f@cked my mom last night, I laughed again and told him those jokes were lame and old. He then proceeded to ask me if I f@cked n***as...which I then replied that he was a racist and that I was recording the phone call (I wish I knew how to do that on my phone, but when they call from a Private Number there is not much you can do!!) He kept on with the insults as I proceeded to laugh put him on speaker phone and let my co-worker listen. I was mostly talking over his immature a$$ but then HE SAID...the joke was on me and that I was really being charged $20 per minute for this call...I have a call into our At&t person to make sure that statement wasn't true. THIS IS SO AGGRAVATING I WISH THEY WOULD PUT A STOP TO THIS COMPANY. I KNOW NOW TO NEVER ANSWER PRIVATE NUMBERS. I HONESTLY HATE THIS COMPANY! Sorry for the length but HAD to post this story...I guess they really have some twisted people working for them!

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      Lee Anne 4 years ago

      Rachel from cars services has harassed me for several years. We have been awakened, had our childrens naps interrupted, meals interrupted and I have jumped out of the shower numerous times thinking it may be our pediatrician returning my call. I have tried replying yes to get a person on the line who I inform that we are on the National do not call list and request that our names be removed from their list which they always say they will do but still we get these calls daily. I find it hard to believe with all the amazing technology that our government can't find a way to protect its citizen from such intrusions. I bet they don't get these calls at Congressional offices andother such places.

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      Connie 4 years ago

      They are driving me crazy. Now they are calling my cell and it is suppose to be unpublished so they say. How can I make them stop?

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      Jerry 4 years ago

      They hate being kept on the line. Lead them on they are paid by how quickly they can bait and hook you. Ask stupid questions. Confuse them.

      One told me that she would not take me off of their list and hung up on me.

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      elvira 4 years ago

      Every day, for years, I've gotten calls from Cardholder Services; the calls stop, then start again after a few months. I managed to talk to a "supervisor", faking "gosh I owe thousands of dollars, you can really help?", then, after ten minutes of Lisa avoiding questions, I announced "uh, dimwit, I don't have credit cards. If you're this stupid, why would I think you could help lower interest rates?". Calls stopped, but started again. Found this info on the BBB website in FL:

      Cardholder Services, Inc.

      Find a Location

      Phone: (877) 888-9955Fax: (954) 377-0072View Additional Phone NumbersPO Box 550160, Fort Lauderdale, FL Additional Web Addresses! There is an alert for this business ! It's rated F by the BBB.

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      STEPHEN MICHAEL 4 years ago








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      Sandy 4 years ago

      We have been receiving these calls as well. If you attempt to talk to anyone, you can't. If you do, and you ask to be removed from their list, they can be rather crude and the language. OMG. Now we are getting letters from these people, I guess hanging up on them is not enough. They seem to have some information about you.

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      Tito 4 years ago

      I Literally Hate These People.

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      rhovo1 4 years ago

      i use to get those calls too. i tried the nice route. i tried asking to be removed. i decided to stop answering to numbers i don't recognize. the calls finally stopped.

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      angry 4 years ago

      They just calle dme for the umteenth time . Always a defferent number. same rigamarole blah blah blah. I pressed the number to speak to a rep and I guess I talked to "Rachael" or whomever. I told her to stop F$#*ing calling me you whore!!! And she told me that I have sex with my mother and if I didnt want to talk to them I shouldnt have answered the phone. LMAO!

      The thing that pisses me off is dumbasses out there wanna take a gun in and shoot up a theater or a school. Why don't these same idiots go shoot up the card holder services call center?? They would be a national hero!!

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      Fran 5 years ago

      I have been getting calls from this company for years. I have tried to communicate with them to no avail. I have 4 phones - I have no way to know which one they are coming in on, but Ioubt that it matters - they are all listed on the do not call list. I thought I recently read that the Government issued them a cease and desist order. Is there no way that the order can be enforced? why bother adjudicating it if nothing is going to be done?

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      Sharon 5 years ago

      I receive these calls frequently on my cell phone. Attempting to find out what company they work for, or anything about them, the caller hangs up. It is always from a different number. Since I receive calls from families out of state related to my work, I do answer them, only to find a telemarketer, not a family member.

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      A Noyd 5 years ago

      Judging by everyone's responses on this post, depending on our government to help us is futile. Threats don't work either. The only way to get back at these scammers it to hit them where it the pocketbook. They only make money if they can convince someone to use their services, otherwise they are wasting their time. So WASTE THEIR TIME. Give them fake numbers, lead them on a wild goose chase, ask them to hold while you clean up the kids spilled milk...anything to keep them from trying to scam another person.

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      Holly 5 years ago

      I receive these calls on a regular basis - Almost always when my 18 month is taking a nap, who most recently had 3 different surgeries in the last 3 months. I cannot express how frusterated I am with this company/person! Leaving the phone off the hook is not an option for us with a sick child, therefore, we are forced to turn down the ringers during nap time - seriously.......this is crazy!

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      Lynda 5 years ago

      I get them almost daily now. Harrassment.

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      shelia 5 years ago

      a working call back number is 415-825-6637 It will give you real info to the federal no call list. It will give the option to speak to someone, but you never get to a person. it goes back to the machine for you to leave a name and number. I called the number after i reported them to the police. also did an official complaint to the attourny general. They ever do catch them they will be charged for sexual obscenity within a business call.

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      Wass 5 years ago

      I was wondering what had happened to these calls since they had stopped a week ago. I submitted 3 complaints in as many days to the Do Not Call people. Looks like the feds finally got them:

      FTC cuts off 'Rachel from Cardholder Services'

      Hurrah! (Until the next one)

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      ken 5 years ago

      Credit Card services has been calling me two sometimes three days a week for months now.I have filed numerous complaints with the national do not call center and have never been given a response.I have asked to speak to the managers since pushing the take me off your call list option button does not work.One of the managers i did get to talk to,his response was quit whining like a little girl.Most attempts to talk to a manager get responded to with a quick hangup.I even told them i was now tracking their calls now with dates and times so i could turn this over to my lawyer for harassment and they tell me ok i will take you off our list and then 3 more calls in the next 7 days.I hope this company gets shut down for good.

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      Wass 5 years ago

      These jackasses have been calling almost every day. I wish them the worst.

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      justmike48 5 years ago

      Been getting calls for these clowns close to 5 years now, they must have easily raked up close to 8 million in fines along calling my house alone. Its not like these people care. Just part of the scam. Oh they will claim they are helping people, but according to a piece I found on these clowns by the LATIMES there number is blocked even to caller ID. the master company is in Arizona, but call centers in various places Flordia I know has a call center, since that office has at least 112 complaints maybe more. Next time I get a chance getting a whistle and blowing it.

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      trbear 5 years ago

      I have been getting calls from "Card holder services" for over 3 years. I am on all the lists, and have reported them to the FTC, FCC, at least a hundered times. I have talked to them, only to be scoffed at when I asked to be removed. I have cursed them, threatened them, I told one guy that if I could ever find him, I would blow is friggin head off. I finally bought a new Panasonic phone system that allows me to block 30 callers. This has been effective. They do change their numbers occasionally, so every 4 months, I clear my block call register, and start over again. This has kept my blood pressure down, but I wouild truly like to know where they are physically located. A little visit is in order.

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      Henry 5 years ago

      For a few years I have been getting about one or two calls per week with a recording of a caller claiming to be an employee of card holder services. I don't even have a credit card, just a debit card. I have a rotary phone in the room I spend most of my time in I am in when these calls come in so I could not press any keys to speak with a person. By the time I got downstairs to the touch tone phone to press a key on it to ask to be taken off their list they have hung up. I was just about ready to bring the touch tone up to the room I am usually in so I could press the key to speak with a person and ask to be taken off list, then I got the idea to do an online search for card holder services. According to what I have read, pushing a key and speaking to a person accomplishes nothing and may increase the amount of calls from them. Glad I did not bother bringing the touch tone phone up to the room I am usually in. Not sure it will do any good but I figure the next thing for me to do is update my registration with the do not call list so I can make best use any opportunity for legal action that comes my way.

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      jondoe 5 years ago

      Rachel must be getting desperate got 2 calls from them this week, Monday and Today, boy I must be special. Using what Information I found here just filed a complained, hopefully something is actually done.

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      highlarious 5 years ago

      so i have been getting these calls for years when i called the number above posted by sam ( two years ago) about a year or so ago the calls stopped for about six moths.... now i get calls two or three times a day, and i have found out i am on a training list for new employees..... i keep em on the line as much as possible but most times a supervisor comes though and disconects our call... i called back the number posted by sam and i got a gentel man who claims no association with cardholder services and went on about some of the simmilar comments above and what not..... is there any way people have found to make thise jerk holes stop?

    • profile image 5 years ago

      I've been getting these call too. I tried to stop them but they just keep coming. I'm very frustrated about it. After hereing that it has been going on for some time now, I wonder what else I can do about it. I would like to lead them on. Today I pressed 1 to talk to a rep, but I got disconected. I wonder if there is a way to put a trace on the call in order to find a location where the call is comming from.

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      nonstopjoe 5 years ago

      Get a live person on the phone and respond to a question or two - then ask what to do about the problem of jerking off in front of your kids.

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      Fed Up 5 years ago

      Got one of those annoying calls today from 813-444-5700

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      Gene Stevens 5 years ago

      "Since they won't tell you who they are or what their real phone number is, there's no way to file a complaint with the FCC."

      NOT SO! You know who they are. They're Cardholder Services. And you don't need their phone number to file a complaint with the FTC or the FCC.

      I've been sending complaints to the FTC (through the Do-Not-Call Registry) about Cardholder Services for years.

      And I also send complaints to the FCC.

      This is not an overnight process, though. We have to be perpetual nuisances until these departments, who are funded by our tax dollars, finally do something to earn our money. Or else, when the federal government finally decides to start cutting spending, they'll be on the chopping block.

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      Ben119 5 years ago

      I have been getting regular calls several times a week. Today after the 4th call in 2 days , I spoke to the subhuman pos that answered and proceded to ream him a new one. He told me he knew who I was and that I would regret it. Very soon afterwards my phone was ringing nonstop with angry people who wanted to be taken off the call list. I spoke with a few of them and this steaming pile of dogshit was giving out my number to the angry mob. I think at this point as much as I hate to admit defeat, I may have to change my number. I'm sure they will eventually find that one too.I did try the wasting their time approach, but I think it's not worth the effort as I do not need my number out there associated with these idiots. Good luck everyone and take care

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      coreilly 5 years ago

      It is hard to believe in this great country of ours we cannot put an end to these nonending harrassing calls. It has been going on for years, and broke my heart when my mother was dying and they kept calling multiple times a day. In my mind they should go to hell.

      I have filled complaints with the attorney general of Idaho, writtten to 60 minutes and renewed the home number on the do not call list.

      I have been told there is nothing the government or the FCC can do

      Again I find this very hard to believe.

      This morning the calls started up again.

      I want to cry.

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      Ross 5 years ago

      They call me a lot - always same message from different places. It's always a male that answers if I press 1. I ask what he is wearing. If he doesn't hang up, I ask about his privates. If he doesn't hang up, I ask about performing sex acts. By that time, I ask If I can call him later, he hangs up - with an erection as evident from his heavy breathing.

      You can't beat them - so have some fun.

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      Charlie 5 years ago

      Your best move and best move for all of us is to push 1 and talk with them maybe long winded nonsense to take up their time. They wont stop and FCC wont stop them, make them unprofitable and infuriate them by being chatty and zero revenue.

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      Joe 5 years ago

      airhorn or whistle won't work. they have noise cancelling head sets.

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      Gary 5 years ago

      What could, or would, happen if I got a portable air horn and blew it into the telephone once somebody answered or if they refused to give any info about the company.

      Maybe I will listen to them and have them send me some info via e-mail or US Mail. At least I would have a company name.

      They may just be fishing for credit card numbers to scam people.

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      kathleen 5 years ago

      I wonder if this is them? This Business is not BBB Accredited

      Card Holder Services

      (405) 200-7641Unknown, Oklahoma City, OK 73102

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      kathleen 5 years ago

      I am in the same boat. I get constant calls from these people and when i DO get a real person and infom them I am on the national do not call list they laugh at me...grrrrr and apparently reporting them to the national do not call registry does no good either, apparently they can't find out who they are either. I am sick to death of this mess, I don't have unlimited minutes on my cell phone and am leary of not answering the phone just in case it is something important. That kind of leaves everyone in a "damned if I do and damned if I don't situtation huh =[

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      mike 5 years ago

      i receive these calls daily , have asked them to stop i block the number and tomorrow theyy call from a different number ? I have 25 numbers from them on my blocked caller list only 5 left then what ? I surely wish someone could find a remedy to this very harrassing problem !!!!

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      Jane 5 years ago

      I am receiving these calls daily for close to a year and continually push three to stop them but to no avail.

      Today I pushed #1 and after 15 rings a hispanic lady answered and asked me if I was interested in lowering my rate on my credit card. I said NO, I want these calls to stop and she said no problem I will take you off the list from my office. I asked where she was and who was credit card services and she told me she is in Tempe Arizona but the caller ID says Florida #1321-740-9999, when I tried to find out more she hung up on me. Wish we could get this resolved I am tired of running for the phone for this BS.

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      Margaret 5 years ago

      Received a call today, I asked them where they were located and the guy asked me a very nasty question. I was in shock! How can they (in broken English) talk dirty on the phone? Such a jerk!!! I am ready to sue!!!

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      ken 5 years ago

      I've been getting these automated calls and when I press the number and get a human and ask for the supervisor they hang up. But it is a waste of their and my time. How do I get off their call list? Will the FTC really do something after 2 years of this??

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      sam 5 years ago

      Well after what seems like 2 years of these call (at least 5 a week) they win. I am going to disconect my phone and hope they do not find me.

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      Whitle Ha 5 years ago

      Whistle lol, I agree 100%. Waste their time, or ignore. Anything else potentially profits them, especially if named companies above are involved.

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      WHISTLE LOL 5 years ago

      Guys and Gals... It does not matter how loud your whistles or horns are LOL.. The ear speaker on a phone is only so loud.. Just Sayin :)

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      GAK 5 years ago

      I just reported them to the FTC after getting many calls from them in the past. The best way to handle them is to just hang up immediately when you hear that SAME OLD RECORDING. Sooner or later they will be doing some serious jail time.

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      C Z 5 years ago

      I have been getting calls from them for years. Each time it comes from a different number on the caller ID at least. Still have not figured out how to block them.

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      Davey Bob 5 years ago

      These people are scum. We get numerous calls each week. I am fed up with the FCC doing nothing.

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      Donna 5 years ago

      The person I spoke too, I asked them why they kept F** calling me and he said because you F**king aren't pushing the right button. I could not believe he cursed me back! Anyway so the next time which was 30 minutes later they call back I push the take me off the list button. They called back about an hour. So I purchased a loud whistle and I always push the button to speak to a live person when they answer, I blow the whistle as loud as possible in the phone. I still get the calls but not as often and they seem to be slacking down a bit.

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      Frank Dzielski 5 years ago

      I told the person answering the phone that I wanted to use their services and they transfered me to Victor.

      His number is 1-800-392-8664. You have to wait until victor answers the phone. I just hang up. I hope they age the message!

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      Karen 5 years ago

      I got one on my mobile phone today, from Rachel, and when I got a live person, I told him to take me off his list. He kept yelling "Listen to me! Listen to me!" and I kept saying "Take me off your list." He finally called me a f**king bitch and hung up on me.

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      Ruthe 5 years ago

      I agree that the DNC list seems to be a joke - a pacifier for the public. The site is a joke. So if you really care, try the *57 solution someone already suggested. Write to your Congress(wo)men and complain that DNC is not being enforced. I've had many of these calls this month, from several different phone (spoofed) numbers but the same message.

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      patti carden 5 years ago

      I keep getting them, what if we all band together and get an attorney to go after them???? They are really making me get angry! We are on the do not call list, I ask to be taken off their list and the callers are VERY RUDE!

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      Vinnie 5 years ago

      The Nation Do Not Call Registry is fake. Much like our elections, it gives people the illusion that government cares and are on our side. They don't care. We have no choices and freedoms. The only choices we have is paper or plastic or 31 different types of ice cream. If you believe in the American dream you must be sleeping. Fight fire with fire. Call them back, keep them on the phone when they call you...waste as much of their time as they do ours. Your rights must be earned and owned, not granted by our rich white owners who could care less about we the tax payers.

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      JIM N.J. 5 years ago


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      Barry 5 years ago

      Someone mentioned this number in a comment and gave all the information they could. So I called the American Debt Negotiators which is the parent company 866-969-4236. I wasn't nasty to him, and he spoke with as much concern and reassurance that they will get these guys. He was a lawyer within the firm and they are getting calls from screaming and concerned people like us constantly, and it is keeping them too from getting their work done. He said they will get these guys. I believed him and I hope they nail these guys good! You can call them too, that may make them move a little faster. But be nice, they are as mad as we are and working on it.

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      Betty 5 years ago

      They have been calling at least 2 years now. I got mad and cussed the out that wasa huge mistake. He told me he would make my life a living hell and call me twice a day for the rest of my life. If anyone knows how to get them to stop I would like to know

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      Colleen 5 years ago

      I just reviewed and compiled the above comments and then placed the applicable info on my facebook page for others who may be having this problem with the constant phone call. Maybe this will get the ball rolling!

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      angela 5 years ago

      The ones that are calling me are using software called DialIt - it connects to ACT telemarketing software and allows them to change their phone number to anything they wish. Another of my calls appears to have originated from Sri Lanka.

      My most recent call:


      As you can see, not even a legitimate local US phone number, obviously using the software.

      I took the advice on here and called *57, which for me allows for a customer initiated trace. Then I called my phone companies security hotline (it was given to me after the trace). He said to keep hitting *57 (free service) to create traces and that if they threaten me in any way to call the local police. It takes about an hour for the trace to come through at their end.

      In the meantime,the 2nd to last call they made to me,I whistled a sad tune which believe it or not, kept the idiot on the phone for at least 3 minutes. He finally said f*** you and hung up.

      The last call was about a half hour later and I decided to just put the phone next to a youtube soundtrack playing "Harmonica -sad instrumental music can make you cry" . the other youtube sound tracks I have cued up are The "Israel siren of the Gulf War" and "Big Alert". I really have no interest in engaging these people in conversation although I do like the idea of wasting their time for longer than 3-5 minutes.

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      Josheee 5 years ago

      As I was reading this I got my third call in the last half hour. I hate them. I HATE THEM. This has been going on for at least the last 3 years. I wish I knew where they lived so I could go to their house and ring their doorbell 15 times every 10 minutes and honk an air horn at their window all night. AM on DNC, filed complaints, called the phone companies associated with the numbers that call me, called every number I've found on various complaint pages; all to no avail. I hate them. Uggh.

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      Bondoman 5 years ago

      We have all read tons of these complaints. HERE IS A GREAT IDEA! Most of us know how great a job the TV stations do when they investigate businesses, cheats, scams and the like. If ANY station were to realize that they would literally be HEROES if they got to the bottom of this, they would take on the job. Please call your local "consumer advocate" or "we are on your side" department at your local station. I truly think that they do NOT give up. Once they realize that on this site alone there are many HUNDREDS of victims of this crazy organization. I wrote to two of them tonight and gave them my phone number and this website also. LETS PUT AN END TO THIS SCUM AND HAVE IT TELEVISED!

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      gr33mind 5 years ago from Pa.

      I have been getting calls for the last two weeks, from a credit card debt reduction service for the past two weeks. I've told them that I am on the do not call list, and to please stop calling. Today I spoke wt a person, and again explained that I was on the "do not call list," and to please stop calling. From their accent they appeared to be from India, and what they said next was completely outrageous. The guy said, "your do not call list is up your'e a**. I immediately requested to speak to their supervisor, and the person then said, he say's "f*** you." I said that I had advanced caller id, and I will be reporting this call to the authorities, and your supervisor tomorrow. I don't have any caller ID, as if it would have done me any good, but somehow the man believed me, and begged me not to tell his supervisor . What the heck can be done about these kind of calls. I was only able to trace the call using *57.

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      susie 5 years ago

      I have gotten numerous calls from the automated out fit,but the other day a human called.She tried like hell to get my card #. She kept saying that if I gave her all numbers except the last 4 no one could use the card. When I told her I was not going to give her any of the #'s she hung up. Legit? I think not! But whst to do?

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      Ruth Lane 5 years ago

      I am frustrated with the repeat calls from Cardholder Services. From reading all the comments, I see I am not alone.

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      Gene 5 years ago

      Ok My Name is Gene and im also tired of this Crap There a Group of hackers call anonymous im going to See if there a way to contact this group and ask for there help. they are not the deviant criminals every one talks about. they might be willing to help.....

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      Brooke 5 years ago

      Ooops I forget to post the link so here it is:

      You have to scan all the way down & a couple of people have full information to these company who the scammers clients actually.

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      Brooke 5 years ago




      Also read this blog it has some interesting and good information about a few different companies to contact who these scammers are using as a service to make their robo-dailer calls.

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      steve 5 years ago

      everytime they call just waste there time, go along with what theyre saying as if youre actually interested. I promise that will piss them off more than the calls piss you off.

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      Tim 5 years ago

      I get several calls a day. I"m on the do not call list. If I ask questions they hang up. If I find em bad things could happen

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      FED UP!!! 5 years ago

      They've already called here twice today! What a bunch of scumbags!!!

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      Perry 5 years ago

      Calls from CardHolder Services - I preseed (1) with my guitar amp pegged to the max. When the rep came on - I hit the hightest note possible with the phone pressed to the amps speaker. They havn't called back for weeks. I'm waiting for you - sucker!!!!

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      dude 5 years ago

      What I don't get is how they are profiting from calling the same people over and over again.. ?? They just think it's fun to harass people?

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      Craig 5 years ago

      This is from Racheal at Cardholder Services



      SBN Peripherals, Inc., and Repo, B.V.

      Owners JohanHendrik Smit Duyzeritkunst, Janneke Bakker-Smit Duyzentkunst

      3230 Cornell Road, Agora, California 91301

      Go to the FTC and search for any/all of these

      Please File a complaint with FTC 1-877-382-4357

      They have and on going investigation

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      Ray 5 years ago

      I tried everything and finally wised up. I got out my boy scout whistle and waited for the call. Then I pressed option one to speak with a representative. When I heard Hello I blew the whistle long, hard, and hung up. Now that felt good!

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      Jay 5 years ago

      They called my home tonight at 11:40pm!!! I wasn't annoyed by it until then, I usually just let it ring. Pressing one to speak to a rep didn't work so I hung up and started googling them. Then I found this.

      Local law enforcement agencies don't have the ability to handle this type of thing. The government might, I don't know. If I ever find out they do I'll start handing out phone numbers for senators and reps.

      I've thought about playing along with fake info, but I'm not sure if I will. Air horns sound like a good idea but aren't as loud for them. Wasting their time seems like a good idea if you already get a lot of calls.

      When I win the lottery I'll pay to trace the number or something to catch them.

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      Sherry 5 years ago

      The lovely Rachel called me again today. Twice yesterday but only once today. They have been calling me since 2008. I am on the do not call list. I get about 5-7 calls per week. I have placed a formal complaint with the FCC. She is still calling. I have phone blocked at least 11-12 different numbers from Card Holders Services. I am 73 years old and can't tell you how pissed I am at these people. This is such an invasion of privacy. Think I will place getting these calls stoped at the top of my bucket list.