I too, have been receiving these phone calls for years and have been ignoring/deleting their messages and am on the Do Not Call list, so a couple of weeks ago I decided to press #1 to get a live person to ask if they would take me off their list and to stop calling our number.  The guy answered the line, "Are you calling about the offer?"  I said no, I'm calling to see if you could take my number off your calling list.  He said, "Do you find it beneficial to lower your interest rates?"  I then said, No, but I do find it beneficial to have you stop calling us and telling us this is our last chance as it relates to the Financial Stimulus.  He then repeated himself asking me if I found it beneficial to lower my interest rates.  I repeated my self and asked him to take our number off their calling list.  He then yelled NOOOOOO, we won't  (in a very childish voice).  So I laughed and said **** You! and hung up.  So at the age of 53, I too can be childish!  LOL!  They are definitely lowlifes.

File complaints here:
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
https://complaints.donotcall.gov/complaint/complaintcheck.aspx?panel=2
http://www.consumerfinance.gov/complaint/

And new laws went into effect on the 16th of Oct:

http://www.tcpalaw.com/
http://www.kleinmoynihan.com/publication/new- ... ctober-16-2013/

They are also known as Financial Center, Lower Interest, Bank Card Services and the latest one they use is ECHO SYSTEMS. The same robot call about lowering you interest in your credit card.

When they respond, if the computer hasn't hung up already, a recorded voice tells you they have important info about your credit card account. Don't listen--HANG UP.

me and when  you speak with someone they are very rude and the foul lang was very up setting