fcc.gov/complaints - no help either. Been doing that for years.

Bank Card Services. Very similar to the "Rachel from Cardholder Services" from  A+ Financial Center, LLC aka Accelerated Financial Centers, LLC aka; Accelerated Accounting Services that was charged by the FTC with misleading consumers about their services, calling phone numbers on the Do Not Call Registry, illegally collecting up-front fees, and making illegal robocalls. The FTC imposed a judgment of $9,238,155 in August of 2013.It seems more than coincidental that "your second and final notice to lower interest" calls began just as "Rachel" calls were tapering off. I would be very surprised if "Cardholder Services" and "Bank Card Services" were not related ventures. Rather than complaining to the FCC I recommend filling out a Do Not Call online complaint at the FTC website. They seem to be far more effective with predatory phone scammers.

Also, it is Very Important that you file the FTC complaint as soon as possible after the call as this "company" changes the displayed phone number on a regular basis.

this is some sort of scam it is a lower your credit card balance and it never comes from the same area code twice and the message is the same your second and final notice to lower your balance I have got this message a dozen or more times in the last month and they will not take your number from the list    I have answered and talked to a person and that does no good wish there was a way to catch these scamers.

Thank you to everyone here who reports this type of call. This number has called every day this week - leave a message or your call must not be too important  :-)