815-514-1048 (Scammers)

  • Scam is known as: "Rachel from credit card services".
  • Has been around since 2009
  • Declared public enemy number one by FTC
  • Latest people reported the number as that of "Brenda, Erickson Cabrera"
  • Around 35% of people reported it as "Unknown"
  • Please comment about the number using the form below. It will help us learn more about the scam and raise awarness.

Did this number call you? Please leave your comment below.

3, Aug. 2012
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The number is currently on switch number HRVYILHADSZ (switch is a technical specification for phone hobbyists) . So what is a Phone Hobbyist? Did not leave message.

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dave
6, Aug. 2012
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called to lower credit card interest rate. i pressed 1 but no one every picked up the line.

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Jean Taylor
7, Aug. 2012
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looking for Latonya Taylor, this has been an on going situtation for almost a year....I have told numerous caller I DO NOT KNOW HER, NO RELATION TO HER, and have asked them to remove my phone number, of course, they haven't, so here we go again....

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David
8, Aug. 2012
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A robo-caller calling about lower credit-card interest rate...I hung up...

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tery
9, Aug. 2012
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It's the same company same voice that has called numerous times, "to reduce your credit card debt".

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Marilyn
11, Aug. 2012
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They Have called a few annoying times.No message .I called them back and goes directly to a voice mail which asks to leave a mesage but then said the mail box is full and try later.

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Jim
11, Aug. 2012
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815 514-1048 Annoying to keep getting these kind of calls. I hope responding on this site is not wasting my time. Do something if you dare.

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13, Aug. 2012
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Appears to be ROBOcall to help lower your credit card interests rates (thanks to another gov't program). Sure would be nice if the gov't put these people out of business.

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14, Aug. 2012
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This was a credit card interest reduction offer. My wife told the caller that we were on the Do Not Call list and was told that we had called them. We had defintely not called them.

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16, Aug. 2012
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You press 1 to speak to a customer service person they pick and then when you ask them about the card services they hang up. Message box is always full.

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Kwitcherbellyakin
19, Aug. 2012
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How it works: http://onthespotblog.com/on-the-spot-blog-stirs-up-rachel-at-cardholder-services/ http://onthespotblog.com/tag/cardholder-services/ People should continually file complaints with their Attorney Generals office and also file with: http://www.fcc.gov/complaints https://www.ftccomplaintassistant.gov If enough people keep complaining then maybe something will get done. The calls are being made from outside the US however most of the call centers (where you actually talk to someone after pressing 1) are in the US and the companies making the money from the scam are owned by people in the US. Asking to be removed from their calling list only verifies that they have a working phone number. They continue to call because it is a criminal operation and these criminals do not care about the law. Many of these calls are coming from Costa Rica and India and they are using spoofed (false) numbers, which in itself is illegal. They do cold calling for or sell the leads to numerous companies in this country and they know that what they are doing is illegal. Tomorrow this same number may be selling Cruises, Timeshares or Security Systems but if you follow the money it usually ends up in the hands of an American LLC. Keep complaining to the FTC and FCC, and start bugging our politicians to pass laws to make it punishable in criminal court instead of handing out fines that they don't pay. Another course of action is to contact phone companies to find out why they won't block spoofed numbers. With today's technology that should be an easy thing to do, unless they are somehow profiting from the use of their systems. For anyone thinking of using Special Information Tones (or as they're called in the industry SIT tones) to fake a non working phone number, they won't work. Since around 2001-2002, the costs of "digital" business lines have dropped dramatically, along with Voice over IP (Internet) telephone service. Neither of these use the SIT tones as the call information is carried separate from the audio. This separate call information tells the calling party digitally if the call was answered, busy, voice mail, forwarded, rejected, etc. This renders SIT tones useless. Also the "TeleZapper" products that used to be on the market used this method as well, and were rendered ineffective for the same reasons. It is also through this separate call information message that the spoofed caller ID information is transmitted. Robocalls are illegal unless you have given them prior permission in writing (not worded into some small print contract from a 3rd party) and are absolutely illegal to a cell phone. The Telephone Consumer Protection Act permits individuals who have received certain unlawful telemarketing, such as junk faxes or telemarketing calls, to sue the violator in state courts where they may be awarded up to $1500 for each violation. http://www.ftc.gov/bcp/edu/microsites/robocalls/ http://www.ftc.gov/opa/2012/07/robocall.shtm http://transition.fcc.gov/cgb/policy/TCPA-Rules.pdf Check here first to see if it is one of their phone numbers: http://telemarketerspam.wordpress.com Pacific Telecom Communications Group Follow JD's recommendations in the blog and stop them at the source. Many of the disposable numbers come from Pacific Telecom Communications Group and they are currently under investigation and in the midst of various lawsuits. (The principles involved have been part of actions by the FCC under other business names).These businesses have ripped people off for millions of dollars, yet have paid only a couple of thousand dollars in fines. The only way to stop them is to throw them in prison for a few years to make this criminal activity less attractive. The Oregon Public Utilities Commission has revoked Pacific Telecom's certificate to provide telecom services in Oregon. The Indiana Attorney General’s Office filed lawsuits against: Consumer Credit Group and Proactive Planning Solutions of Arizona for violating Indiana’s Do Not Call Law and Auto-Dialer Act known as the robo-call law. Both companies violated the Credit Service Organization Act and Deceptive Consumer Sales Act by not obtaining $25,000 surety bonds with the state and collecting money upfront without performing any services. Debt Zero of California for collecting money up front, failing to provide services or a refund and operating without a $25,000 surety bond. Clear One Advantage of Maryland and Credit Arbitrators of Texas for violating the Credit Service Organization Act and the Deceptive Consumer Sales Act by not obtaining the required surety bonds. Arkansas sues robocallers: http://www.arkansasonline.com/news/2012/aug/09/arkansas-sues-5-telemarketing-firms/ Missouri sues robocallers: http://www.legalnewsline.com/news/236974-koster-sues-five-companies-over-calls Proof that current laws mean nothing to these scum suckers, these same people under different companies have been sued in the past and have only paid a minimal fine. Here are just a few: http://www.ftc.gov/opa/2011/12/roycox.shtm http://www.ftc.gov/opa/2010/06/asiapacific.shtm http://www.ftc.gov/opa/2012/03/asiapacific.shtm http://www.ftc.gov/os/caselist/0923193/111219roycoxcmpt.pdf http://www.ftc.gov/bcp/edu/microsites/donotcall/mediacenter.html http://www.ftc.gov/opa/2012/02/afl_financial.shtm http://www.ftc.gov/opa/2012/02/voiceblaze.shtm http://www.ftc.gov/opa/2010/03/voicetouch.shtm http://www.ftc.gov/opa/2009/05/robocalls.shtm http://www.ftc.gov/opa/2009/12/robocall.shtm http://www.ftc.gov/opa/2009/09/twi.shtm http://www.ftc.gov/opa/2011/02/robocall.shtm http://www.ftc.gov/opa/2009/05/robocalls2.shtm http://www.ftc.gov/opa/2010/12/jpm.shtm http://www.ftc.gov/opa/2010/08/voicetouch.shtm http://www.ftc.gov/opa/2011/11/sonkei.shtm http://www.ftc.gov/opa/2010/05/ams.shtm http://www.ftc.gov/opa/2011/01/khalilian.shtm Write your Congressmen and Senators. We need CRIMINAL penalties against the companies that are profiting from these calls. Follow the money, slap them in prison, no one left to outsource to overseas boiler rooms, problem solved. Since they are operating across borders it should become a federal felony and should be handled by the FBI under the RICO Act.

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Mad Bob
21, Aug. 2012
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I get a recorded message that says this is my final call to lower my credit card interest rate. They are tring to get as much info about your credit card so they can run charges up on it. I have told them to get a real job instead of scamming people and they have told where I can go. I would like to have these calls stopped but until they are, I'll continue to hang up on them.

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richard
21, Aug. 2012
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The guy started his "We can lower your interest rate" spiel. I said "Just so you know, this call is being monitored for your protection." He hung up

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Ed
22, Aug. 2012
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Caller ID: Cabrera, Erickson Robocall about Credit Card and Rate, asked to press 1 (I hang up every time)

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24, Aug. 2012
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Called, but left no message.

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24, Aug. 2012
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just called left no message as my machine wasn't on...

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Danielson, CT
26, Aug. 2012
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Says "Cabrera, Ericks" in Caller ID. Never leaves message ... has called numerous times. I would add to my blocking list, but phone company only allows six! I don't know why.... ?

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anonymous
27, Aug. 2012
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Yes they have hit me too...I have been getting these calls for years but they just rotate numbers. It does not matter if it is 7 am or 9 pm. Have called phone company, complaints with FCC and local government to no avail. What scares me is that they started with my elderly parents. Please just ignore these people and give them no information.

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30, Jul. 2013
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Said she liked my abnormally long dong.

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12, Oct. 2017
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Credit Card Service has been calling to offer a reduced credit card interest rate. Said her name was Kristy. It was coming from a 952-484-9509 number. Fraud! Scammers!

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