Receive  call from this number at least once every day and they hang up if I answer and don't leave a message on the answering machine

How does anyone every fall for this scam?

(360) 322‑6668 Robo call recorded 14 April 2014 (Triple message includes "Carmen at Cardholder Services...reduce your rate...consider this your final notice..." Credit Card SCAM)
Caller ID: "Arlington WA"

Also called recently from:  (360) 322‑6708 | (360) 322-6687 | (360) 322-6668 | (360) 322-6685 | (360) 322-6708 | (360) 322-6737 | (302) 764‑3176 | (757) 264-1254 | (310) 318-1250 | (310) 821-8963 | (385) 208-8809 | (706) 805-1776 | (616) 980-2164 | (616) 980-2063 | (616) 980-2030 | (616) 613-2228 | (215) 383-3414 | (415) 333-9999 | (281) 966-5793 | (616) 613-2199 | (305) 389-5335  (they seem to control the entire 360 322-66xx and 67xx phone number block)

Triple message, including "Carmen" only five days after their last call from a different number, even after assuring me, "...consider this your final notice..."

Yeah, I wish.

The recorded message is their usual patter (see below) but there's a pause, followed by a differently worded message on the same "lower your rate" theme. Then there's another pause, then the original voice and same message about lowering your rate is played. Finally they say "good bye" and disconnect.

Their total disregard of the Do Not Call list certainly tells us a lot about their business ethics, doesn't it?

Here is a transcript of their latest offering:

[female voice] "This is a very important message about your current credit card accounts. This is your second and final notice to lower your credit card interest rate and payments. Press 1 now to find out the terms conditions and associated changes before the next billing cycle. Again, this is your final notice as it relates to the financial stimulus. So press 1 now to take advantage of this today."

[8 second pause, then electronic tone followed by a different voice and different message]

[other female voice] "Hello, this is Carmen at Cardholder Services calling in reference to your current credit card account. It is urgent that you contact us concerning your eligibility for lowering your interest rate. Please consider this your final notice. Press the number 1 now to speak with a live operator and lower your interest rate or press the number 3 to discontinue further services. Thank you and have a great day."
[another 8 second pause, then the original message with original female voice repeats]

[female voice] "This is a very important message about your current credit card accounts. This is your second and final notice to lower your credit card interest rate and payments. Press 1 now to find out the terms conditions and associated changes before the next billing cycle. Again, this is your final notice as it relates to the financial stimulus. So press 1 now to take advantage of this today."

[7 second pause]  [female voice] "Good bye".


Thanks to Google Voice ( www.google.com/voice ) you can hear this recording on my Spam Calls web page:

http://home.comcast.net/~achx88a/spam/spamcalls.htm

Signup for your own free Google Voice account at www.google.com/voice and avoid telephone call spam

(360) 322‑6668 Robo call recorded 18 April 2014 (Triple message includes "Bridget & Carmen at Cardholder Services...reduce your rate...consider this your final notice..." Credit Card SCAM)
Caller ID: "Arlington WA"

Also called recently from:  (360) 322‑6708 | (360) 322-6687 | (360) 322-6668 | (360) 322-6685 | (360) 322-6708 | (360) 322-6737 | (302) 764‑3176 | (757) 264-1254 | (310) 318-1250 | (310) 821-8963 | (385) 208-8809 | (706) 805-1776 | (616) 980-2164 | (616) 980-2063 | (616) 980-2030 | (616) 613-2228 | (215) 383-3414 | (415) 333-9999 | (281) 966-5793 | (616) 613-2199 | (305) 389-5335  (they seem to control the entire 360 322-66xx and 67xx phone number block)

Triple message, now including "Bridget" and "Carmen" only four days after their last call from the same number, even after assuring me, "...consider this your final notice..."

Yeah, I wish.

The recorded message is their usual patter (see below) but there's a pause, followed by a differently worded message on the same "lower your rate" theme. Then there's another pause, and the second voice and same message about lowering your rate is repeated. Finally (none too soon) they say "good bye" and disconnect.

Their total disregard of the Do Not Call list certainly tells us a lot about their business ethics, doesn't it?

Here is a transcript of their latest offering:

[female voice] "Hello, this is Bridget with Cardholder Services calling in reference to your current credit card account. There are no problems currently with your account, it is urgent that you contact us concerning your eligibility for lowering your interest rate to as little as 1%. Your eligibility expires shortly so please consider this your final notice. Please press the number 1 on your phone now to speak with a live operator and lower your interest rate. Or press the number 3 to discontinue further notices. Thank you. Have a great day."

[9 second pause, then electronic tone followed by a different voice and different message]

[other female voice] "Hello, this is Carmen at Cardholder Services calling in reference to your current credit card account. It is urgent that you contact us concerning your eligibility for lowering your interest rate. Please consider this your final notice. Press the number 1 now to speak with a live operator and lower your interest rate or press the number 3 to discontinue further services. Thank you and have a great day."

[another 9 second pause, then the second message and female voice repeats]

[9 second pause]  [yet another female voice] "Good bye".


Thanks to Google Voice ( www.google.com/voice ) you can hear this recording on my Spam Calls web page:

http://home.comcast.net/~achx88a/spam/spamcalls.htm

Signup for your own free Google Voice account at www.google.com/voice and avoid telephone call spam

This scammer calls numbers on the national do not call registry in violation of the Telephone Consumer Protection Act. They further violate the TCPA by playing a recording when the phone is answered without having an operator on the line. Their recording outlines that their scam is to give you a discount on your credit card interest - down to 1%. When you try to connect to an operator, they hang up after about three minutes of horrible hold music. This is clearly a scam. If you do get through to an operator, do not give them any personal or financial information.