440-617-5677

(440) 617-5677 Live call recorded 29 December 2014 ("Britney Lopez, Cardmember Services" offering lower credit card rates SCAM)
Caller ID: "Survey"  

also called from: (205) 632-0015 on 20 December 2014

"Britney Lopez" calling from "Cardmember Services" to inform me that I qualify to reduce my interest rate between zero and six per cent.

At one point, she was reading text to me from her computer screen that was really instructions to her and not intended to be read over the phone (see below, when I balked at giving her my ZIP Code, lol).

When anybody calls, I know they're scamming as I'm on the Do Not Call list, but what clinched it was when she announced that I qualify "due to Experian" and because I pay my credit card on time, and I "always pay a little more than the minimum due each month". How could she know that? Ha! I never carry a balance. Nice try, Britney.

And please don't tell me that some callers are exempt from the Do Not Call rules. I put my number on Do Not Call because I don't want   a n y   calls. Although some are legally exempt from the DNC rules, they have a moral obligation to not call me because they already know that I don't want their call. So I waste their time as a "thank  you" for calling me.

I wasted over 16 minutes of Britney's time. Sixteen minutes she wasn't bother some other poor dumb b*stard. Believe me, it felt good!

Here is a transcript of this "lower your credit card interest rate" SCAM telemarketing call:

Note: all "personal data" (name, Social Security digits, numbers, etc.), fake and provided by FakeNameGenerator.com

[me] Hello? Hello?
[they] Hello, pleasant goodmir, hello?

[me] Hello?
[they] Yes, hi, good morning, this is Britney Lopez calling you from Cardmember Services, how are you doing today?

[me] I am just fine Britney.
[they] Am I speaking with Kenneth Williams?

[me] Yes you are.
[they] Ok Mr. Williams I'm giving you call back in regards to uh lowering your interest rate on your credit card debts. I spoke with you sometime last week regarding lowering your interest rate. Ok, well do you like hold like tree thousand dollars in overall credit card debt?

[me] How much?
[they] Do you hold that much on credit card, tree thousand dollars because in order for you to be qualified for da rate reduction you'd have to have a balance of at at least three thousand dollars in overall debts. You do owe that much?

[me] Yes, I owe more than that.
[they] Pardon me? How much do you hold in overall credit card debts? Four tawsand? I'm not hearing you.

[me] It's more like five thousand five hundred.
[they] Ok and are you carrying dat balance on one or two cards?

[me] One card.
[they] Ok you're owing dat on one card no problem. Ok Mr. Williams do you have like a pen and a piece of paper nearby?

[me] Yes I do.
[they] Ok I'm gonna go ahead and please remind you dat this call is also being recorded for your protection as a customer as well. I'm gonna go ahead and provide you wid my name as well as my ID number, ok?

[me] Ohhh kay.
[they] Wonderful. Dat's Britney Lopez...

[me] Ok, Britney Lopez...
[they] Uh hmm, my ID number is tree eight six six one five.

[me] "Tree" eight six six one five?
[they] That's correct.

[me] Now, you said "tree".
[they] There's no out-of-pocket expense for you, you have to be merely qualified to receive it so dere's no out-of-pocket expense. Ok?

[me] I see.
[they] The lowest we would take your interest rate to would be zero per cent, the highest would be six percent, ok? And the reason why you're qualified for it is is because you always make your payments on time as well as always tries to pay a little more than the minimum on a monthly basic, ok? What I'm going to do right now is just to read, pardon me?

[me] I'm curious. How do you know that?
[they] How do I know what? If we work with the bank Mr. Williams that is how we get the information, from the bank. But this is the department that deals with lowering your interest rate on your credit card debts, ok, but in order for us to go ahead and to ensure that you are the primary card holder we have to hax you to reverify some information wid us that we have in file for you, ok?

[me] Ok.
[they] And this is just to ensure that you are the primary card holder. Ok, can you verify your date of birth please?

[me] Uh yes, what do you have?
[they] Your date of birth. Can you verify dat?

[me] Uh yes I can but what do you have in front of you?
[they] If it's the case that you refuse to verify the information der is nothing that we can do to help you, ok? We're not howlowed to verify the information like dat. We have to have you to reverify because there's a lot of fraud going on so we have to protect you as a customer, so we have to hax you verify just to ensure dat you are da primary card holder for these accounts.

[me] Ok, I think I understand. My birthday is January 26th, 1980.
[they] Ok, tank you for that information, that is the first local statistic, 1980. Ok, thank you for that information. Ok, ok, can you verify your ZIP Code please?

[me] My ZIP Code, yes, what do you have?
[they] You keep haxing what do I have and I explain to you dat we have to hax you to reverify da information dat we have in file and this is just for yours...your protection as a customer and for security purposes.

[me] Alright, well I can understand that...
[they] If you refuse to verify da information, dere's nothing dat we can do to help you take you out of debts. Ok how are we gonna be able to help you...can we confirm these...[she's obviously reading this "heading" which is not meant to be heard over the phone] by verifying these security questions we can confirm dat you are da primary card holder but widout verifying them we don't...we are not sure if you are.

[me] All right, well, I can understand that for birth date, but for something as public as a ZIP Code, that seems strange...
[they] Ok, that's no problem, we have the ZIP Code on file, no problem, because if you refuse to verify da ZIP Code, ok, what is your ZIP Code?

[me] 07102.
[they] Ok. One moment please. And this is Kenneth Williams [unintelligible] correct?

[me] That is correct.
[they] Ok, one moment Mr. Williams...Ok Mr. williams, for security purposes as well as for your protection, can you verify only the last four of your social please.

[me] Yes. 7259.
[they] Ok, one moment...Seven two...five nine.

[me] Correct.
[they] Ok, thank you...ok, can you reverify the ZIP Code again please, sorry about dat.

[me] Uh, yes, it has not changed since I last gave it to you.
[they] Can you...

[me] 07102.
[they] All the information that you're providing has to match the information dat we have in file in order for you to get the rate reduction, ok. The card that you're owing on which financial institution issued you dat card?

[me] It's a Master Card.
[they] Is it Bank of America, Chase Bank, Citi Bank? Which financial institution issued you da card that you're owing on?

[me] Oh, um...I'm not sure. [the click of her microphone is heard here] I would have to look at the card. It would be on the card, wouldn't it?
[they] Yes, it's located on the card. How is it you're not sure which bank you're with? these are security questions. How is it you're not sure?

[me] Uh because I usually pay it by Internet and I haven't used it...
[they] Oh, but you...ok, no problem, can you look on da card and verify the financial institution dat isued you da card?

[me] Uh, yes I can but I don't have my wallet right here, I'm gonna have to go find my wallet.
[they] Ok, I'll hold the line.

[me] Yeah, if you can hold, I'm gonna put the phone down and go look for my wallet...
[they] Ok sure...sure...

[me] I'm sorry, what?
[they] Yes, I'm on the line, I'm waitin' on your Mr. Williams.

[me] Oh, ok, yes, I was walking away, I heard you, ok, just a moment, I'm gonna go find my wallet and get my card.
[they] Ok, sure. [silence then her mic cuts in at minute 8:55 with background noise]

[me] Hello? Hello? [I return at minute 9:55]
[they] [unintelligible] still on the line. Yes I'm still here. Ok?

[me] Hello? Is this Britney?
[they] Yes, I'm still on the line with you.

[me] Ok for verification purposes could you please verify your last name for me.
[they] It's Lopez.

[me] And how do you spell that?
[they] El oh pee e zee.

[me] Ok, I'm back. Now, what was I doing?
[they] Which financial institution issued you the card that you're owing on?

[me] Oh, my American Express card, uh yes, hold on, let me go find it, just a minute...
[they] But you said you went for the card, so what happened, why didn't you get the card when you just, when you came off the phone... [silence, minute 11:10 to 11:15 when I return]

[me] Uh, hello?
[they] Yes, I'm still here...

[me] Ok, now now what card is it that you want?
[they] You keep haxing the same question when we have a discussion about the card that you owin' on. The card you owin' on. This is not a joke. The card that you owin' on, that is the one that we can lower da interest rate on.

[me] And how far can you lower it?
[they] The lowest will be zero per cent, the highest would be six per cent.

[me] Well, that's lower than I'm paying now at 18%...
[they] Ok...

[me] How can we make sure we get down to zero?
[they] That is what I'm doing right now, I'm verifying da information, as soon as I finish verify the information, if the information match the information dat we have in file, then you're qualified, I transfer you over to the account manager for the bank, he's the one who's gonna inform you of how much the new interest rate will be. And the greatest thing about this is that it's not for a month or two, it's for a lifetime as long as you remain with the bank and you don't change your account. Ok?

[me] Ok, just a minute.
[they] Ah hmmm. [her mic remians open, background call center noise, she laughs at moment 14:13 and 14:22, her mic is off at moment 14:41]

[me] [I return at moment 15:09] Hello?
[they] Yes, I'm still here.

[me] Yes, just a moment please. [again I walk away at moment 15:15]
[they] [unintelligible, moment 15:20. Her mic comes on again at 15:51. unintelligible at 16:17, sounds like "keelem dah"]

[me] [at minute 16:46 I repeat what I thought she said..."keelem dah"] Hello? Hello? [moment 18:49, 19:21 and 28:32 but she's long gone]

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