5164535645

According to my credit card company this is a scam and your credit card interest rates can not be renegotiated by an eternal company like this.

The key to knowing this is a scam is...
1. They charge your credit card before services are rendered.
2. They are calling your cell phone and your credit card company only has your land line.
3. They ask for your name... Your card company already knows your name ...
4. They claim to represent hundreds of credit card companies.
5. They ask you for the last 4 numbers of your social security number.

Remember once you confirm the $500+ charge they are putting on your card its done. You will not e able to get hat back because you confirmed it.

Never give out your personal information over the phone!!!!

YOU HAVE NO IDEA WHO YOUR TALKING TO!!!!!

Jus got a call from this number. I did not lift. No voicemail left!!

516-453-5645 called me on my cell, claiming to be calling because they got my number from Experian. Then they contradicted themselves by implying I was one of their existing customers.

The call started with a recorded call asking me about lowering my rate on an existing card and that I had a limited time frame in which to do it. They asked me to press 1 if I were interested. I did so to inquire/enquire why and how they got my address.

During the call, I reminded her that it was illegal to call wireless numbers unsolicited. She did not give me any way of proving that she was who she said she was, continually claiming she was from "Cardholder Services". I have worked in a legitimate bank outgoing call centre and I know that you only say that when you do not get the accountholder on the phone (for privacy reasons), but you give the full trading name once you establish you are talking to the accountholder. They also didn't offer something like the last four digits of one of my credit cards or my birthday to prove themselves either.

I consider that I stayed quite calm during the call, but she became belligerent during the progression of the call and eventually chided me by saying I was being rude and that it wouldn't get me anywhere in life. She said to have a bad day and hung up.

If they were a legitimate call centre, I would be asking for a supervisor about now. However, they appear to be a shady outfit, so there wouldn't be any point doing so.

On a related note, the number she called was recently issued to me. I give virtually everyone my Google Voice number instead of any of my past or present cell or landline numbers. She claimed she got the number off Experian, but they'd be the last of the people I'd ever give it to, and she then went on to say that I must not be telling the truth. That all said, it's possible they got my number of CNAM data from my (new) cell telco (I believe I saw my cell CNAM and address data already on Intelius's website). But within the space of three weeks? It seems a bit of a stretch to me, even if it is possible.

what does it really mean for you that they have time to complain about something so dumb and you have time to complain about them complaining?  But anyway, I didnt answer this either but my phone got compromised during a job search and some fakey applications netted my number. I've received 'lower your interest rate' style messages and offers for magazines. How dare they.

hahaha best response ever

They called me about lowering interest rates.  I pressed "1" to talk to a representative to tell them not to call me and ask where they got the number.  They hung up before I could say anything at all.

received call, listed as 'disconnected' didn't answer, no voicemail, called on a DO NOT CALL registered phone #

My phone number is 608 797 5039 STOP CALLING ME!

got this # on my cell.  I ignored the call and they didn't leave any voicemail.  I don't have this number listed, and I don't give it out to any credit companies.  It seems like they have a computer dialing random numbers and trying to get information.

i have a missed call from this #, no message.I called back and it rings busy

YOU MUST REPORT THEM EITHER TO FTC.GOV OR DONOTCALL.GOV.

If you get a recorded message when you answer - you can file complaints with DONOTCALL.GOV even if you are not registered on the donotcall list.

Here is the info about the court order
FTC 1, Robocalls 0
(Monday, May 24, 2010)
At FTC’s Request, Court Stops Deceptive Telemarketing Calls Pitching Credit Card Interest Rate Reduction
At the request of the Federal Trade Commission, a federal judge has put a stop to three companies’ allegedly deceptive telemarketing calls, including robocalls, that promised to reduce consumers’ credit card interest rates; frozen their assets; and appointed a receiver to take control of the business.
According to the FTC’s complaint, over the past two years, the defendants made or authorized calls to consumers nationwide, claiming that they could negotiate with credit card issuers to substantially lower the interest rates on the consumers’ credit cards. They also allegedly delivered prerecorded “robocalls” that consisted of urgent-sounding messages from “Card Services” or “Financial Services,” stating that consumers needed to “press one” to speak to a representative about their credit card interest rates. Many consumers believed the calls were from their credit card issuers.
Consumers who signed up for the defendants’ services were charged from $499 to $1,590 up-front and promised their money back if the callers failed to deliver at least $2,500 in interest rate savings, the FTC alleged. Instead of arranging reduced interest rates, the complaint states, the defendants sent consumers instructions to pay down their credit card debts early, thus saving money on interest. Consumers who complained and demanded refunds allegedly were denied outright, got the run-around, or had a $199 “nonrefundable fee” deducted from their refund.
“The last thing debt-ridden consumers need is to be deluged by illegal robocalls – especially when all the calls are offering is a scam,” said FTC Chairman Jon Leibowitz.
The FTC’s complaint alleged that AMS, Rapid Reduction, PDMI, and their owners violated the FTC Act and the Do Not Call and other provisions of the Telemarketing Sales Rule by:
•    deceptively promising consumers they could reduce their credit card interest rates;
•    misleading consumers about their refund policies;
•    illegally calling numbers on the National Do Not Call Registry;
•    failing to honor consumers’ requests not to be called again; and
•    making pre-recorded telemarketing calls to consumers without their express written consent. Nearly all such calls have been illegal since September 1, 2009 (see press release at: http://www.ftc.gov/opa/2009/08/robocalls.shtm).
U.S. District Judge Lonny Suko has issued an order appointing two receivers to take over the businesses, and freezing the assets of Advanced Management Services NW LLC, doing business as AMS Financial, Rapid Reduction System’s [sic] LLC, and their principals Ryan Bishop and Michael Rohlf, all of Spokane, Washington, and PDM International, Inc., doing business as Priority Direct Marketing International, Inc. (PDMI) of Bedford, Texas, and its principal William Fithian, of Colleyville, Texas.
The FTC vote approving the complaint was 5-0. It was filed under seal in the U.S. District Court for the Eastern District of Washington on May 10, 2010. The court granted an order temporarily barring the alleged conduct on May 10, 2010. The seal was lifted on May 11, 2010, the day the Commission served the temporary restraining order.
The FTC acknowledges the assistance of Better Business Bureau of Eastern Washington, Northern Idaho, and Montana, and the BBB of Fort Worth, Texas, the U.S. Postal Inspection Service; the Bedford, Texas, Police Department; and the attorneys general of Illinois, Minnesota, North Carolina, North Dakota, Washington, and West Virginia. The FTC also acknowledges that the Internal Revenue Service, the Federal Bureau of Investigation, and the U.S. Secret Service are conducting a separate but parallel criminal investigation and that they executed search warrants on one business and one individual’s home when the FTC served the temporary restraining order.
NOTE: The Commission issues a complaint when it has “reason to believe” that the law has been or is being violated, and it appears to the Commission that a proceeding is in the public interest. The issuance of a complaint is not a finding or ruling that the defendant has violated the law.
Copies of the stipulated final order are available from the FTC’s Web site at http://www.ftc.gov and from the FTC’s Consumer Response Center, Room 130, 600 Pennsylvania Avenue, N.W., Washington, D.C. 20580. The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, click: http://www.ftc.gov/ftc/complaint.shtm or call 1-877-382-4357. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to more than 1,800 civil and criminal law enforcement agencies in the U.S. and abroad. For free information on a variety of consumer topics, click http://ftc.gov/bcp/consumer.shtm.
MEDIA CONTACT:
Mitchell J. Katz
Office of Public Affairs
202-326-2161
STAFF CONTACT:
Mary T. Benfield
FTC Northwest Region, Seattle
202-326-4472

Just called me, didnt answer in time, didnt leave a vm. Called back and got a message saying the call couldnt go through

I got a call today 9/15/10. Didn't answer. They didn't leave a voicemail.

Lower my interest rates? Call me again and I'll lower my boot onto your face.

Weird the name that popped up was disconnected. I didn't answer and when I tried calling back it kept saying all circuts busy. This is just a phone spam number.

Called at 12:30PM, Went to answer, dead line, called back and its for a police academy donation line... FRAT ORD POLICE showed up on the caller ID.

Sean has every right to be mad.