Get any calls from cardholder services ?

  1. turbo

    turbo 7,366
    Gold Member

    Get any calls from "cardholder services"?

    Every week, I get one or more of these. Am I that much of a geezer? That much of a clueless dolt? Just got another one, and I'm ticked off.

    At least the calls from Arizona have stopped. The calls came from a company that collects bad debts on student loans. Problem: I paid my own way through college and never had any loans at all. Plus that was ~40 years ago.

    Why are scammers like these allowed to operate? Is "capitalism" and the so-called "free market" so precious that we can't crack down on scammers? [/rant]
     
  2. jcsd
  3. Re: Get any calls from "cardholder services"?

    Never had any loans? College must have been cheeeep back then.
     
  4. turbo

    turbo 7,366
    Gold Member

    Re: Get any calls from "cardholder services"?

    Nope! But I had worked and saved all summer even when I was maybe 14 or younger. Also, I worked all through college buying, restoring, and re-selling guitars and amplifiers and playing music for frat-parties every weekend. My parents were not well-to-do and could only offer me some basic help. I was the very first person in my extended family (both sides) to attend college, and I wasn't about to screw it up!
     
  5. Re: Get any calls from "cardholder services"?

    I don't mean to derail your thread, but did you go to a state or private school?

    The typical tuition of a private school these days is around $40,000, but state schools are about 1/4 of that or less. Sometimes I wonder if I'd have been better off going to a good state school.
     
  6. turbo

    turbo 7,366
    Gold Member

    Re: Get any calls from "cardholder services"?

    I went to the University of Maine at Orono. A land-grant college with probably the best engineering school in the whole state.

    I got early acceptance to MIT, but the financial aid package was insufficient. I also got early acceptance to Michigan State and the University of Arizona, and I never applied to either of them. I really couldn't afford travel/housing, etc, so I stayed in-state.
     
  7. D H

    Staff: Mentor

    Re: Get any calls from "cardholder services"?

    Those calls from Rachel, or Heather, or whoever robocalling calling from 1-800-TheJokesOnYou? Haven't had one. I've had dozens. You're on the do not call list? They don't care. You've pressed 2 to be removed from their list? Doesn't work. You've pressed 1 to talk to a real person just so you can waste their time? That doesn't work, either.

    It's very annoying.
     
  8. turbo

    turbo 7,366
    Gold Member

    Re: Get any calls from "cardholder services"?

    And what can we do about it? It's hard to see how reporting offending telephone numbers can be effective. With huge phone-banks, and computer-generated phone numbers, how can you track those miscreants and fine them?
     
  9. Re: Get any calls from "cardholder services"?

    I have a recording system on my phone. I never answer it unless the person leaves a message. Then I can tell who it is and pick up. I know some people don't like to speak to the answering machine but I am willing to filter out any call that isn't important enough to override that dislike.
     
  10. Evo

    Staff: Mentor

    Re: Get any calls from "cardholder services"?

    Be sure to register all of your telephone numbers here. I did when it first opened and haven't had a single solicitation in years. I got a few the first few months until they got used to the registry, but all you do is tell them you're on the "do not call list" and they'll be gone before you can blink. A $25,000 fine for each person they call that's on the list.

    https://www.donotcall.gov/
     
  11. PAllen

    PAllen 5,735
    Science Advisor
    Gold Member

    Re: Get any calls from "cardholder services"?

    Doesn't work. I re-register there regularly, report all violators religiously, yet get 5 calls a week from 'card holder services'.
     
  12. turbo

    turbo 7,366
    Gold Member

    Re: Get any calls from "cardholder services"?

    I'm on that list, Evo. There is a huge loophole that allows people to call you pretending to be a pollster. What can you do? The GOP is phoning and push-polling already, and the 2012 election is a year away. Is there any way to stop all unwarranted calls? Short of unplugging the phone, I don't know of one.
     
  13. Evo

    Staff: Mentor

    Re: Get any calls from "cardholder services"?

    Sounds like you both got on some list through affiliations. PAllen, do you have accounts with these companaies? If you've had an account with them, they can legally call you. It's brand new solicitations from companies you've never dealt with or that don't act on request from a company or association that you did/do business with.

    So some solicitations are legal. I closed all of my accounts and changed my phone number and registered. MUWAHAHA.
     
  14. PAllen

    PAllen 5,735
    Science Advisor
    Gold Member

    Re: Get any calls from "cardholder services"?

    I'll share two things my father does (yes, as old as I am, my father is still alive). He has a beeper of the type used in smoke alarms. Answers call, and fires beeper. His other tactic is simply answer and say 'please hold', and put phone in a drawer and go about his business. Time is money for these fraudsters.
     
  15. PAllen

    PAllen 5,735
    Science Advisor
    Gold Member

    Re: Get any calls from "cardholder services"?

    No affiliations with these companies (by my research, they are not legitimate companies at all; they escape penalties by re-organizing and moving regularly). Do I have credit cards? Yes. Do I want to change cards - no way - I have grandfathered terms which have not been offered in 25 years (which by some miracle they haven't changed). For example, my main credit card has:

    - no late fee
    - no foreign transaction fee
    - no penalty interest rates
    - no annual fee
    - 1.25 % rewards
    - no cash advance fee (not that I've ever used it)
    - modest interest rate (nice if I miss a payment by a few days)
    - mind boggling credit limit
    - great exchange rates when I travel (much better than banks)
     
  16. Borg

    Borg 1,264
    Gold Member

    Re: Get any calls from "cardholder services"?

    Whenever I get calls for numbers that I don't recognize, I check them against this site: 800notes.com. People leave comments related to each number and often leave extensive research about the companies and their scams. You can usually get hits on non-800 numbers also.
     
  17. Re: Get any calls from "cardholder services"?

    Someone probably used your phone number to open a credit account or something. Or, they either had that number before you tied to an account, or the debt collectors simply found some clue somewhere that maybe they are at your number.

    I get calls all the time, 3 times a day sometimes from someone trying to collect a debt. They leave voice mails that go "This call is for <guys name>, if you are not <guys name> please hang up now, (pause for a second)... <guys name> we need you to call us back over this important matter...", and so on...

    I talked to them a few times, informing them that I am not this guy, but it makes no difference. I have no outstanding debt, and I don't know this guy they keep calling for. I would change my number if it wasn't such a hassle.
     
  18. turbo

    turbo 7,366
    Gold Member

    Re: Get any calls from "cardholder services"?

    I'd change my phone number, too, QC, if it wasn't such a bother. I have elderly relatives (including my father who is 85+) that really need to be able get 'hold of me from time to time, and I can't just unplug this land-line, at least for their sake. What can I do? I need to be available to them when they need me, and I don't want to change phone numbers for my convenience when it might make it tough for these older loved ones to get in touch. My father calls me at least once a week to "touch base" if I haven't called him. I got him a TracFone cell so that he can call toll-free whenever he'd like to talk, and he's piling up the minutes because he hardly ever uses it unless he calls his "baby sister". He will never use those minutes!
     
    Last edited: Dec 10, 2011
  19. Re: Get any calls from "cardholder services"?

    I'm in the same boat. Why should I have to change my number, that I have had for 15 years, update my banks, schools, and other such accounts, inform my friends and family, over this. I looked into the company that calls a long time ago, and found accounts of dozens of people filing complaints with the BBB and FCC to no avail.
     
  20. Moonbear

    Moonbear 12,265
    Staff Emeritus
    Science Advisor
    Gold Member

    Re: Get any calls from "cardholder services"?

    It won't matter. They just random dial I think. When I moved a few years ago and got a new number, I got the calls almost immediately. At first I thought it had to do with whoever had the number before me, but now I've realized it's just scammers who don't care what the laws are. They aren't supposed to use robodialers, they aren't supposed to call if you're on the do not call registry (I registered my number the day I got it) and do anyway, etc.

    Mostly, it's back to relying on caller ID again...if I don't recognize the caller or it shows up as unknown, I just let voicemail take it. Every once in a while I do pick up and give them an earful of expletives about why they are breaking the law and that I will be reporting them. They probably don't care because they're probably operating through some offshore front for their scam, but I do report every one that I can identify with a phone number off caller ID. You can report them on the do not call website.

    The calls do seem to slow down for a while if I can get a live person to tell that I'm reporting them. Can't do anything about the robocalls since you never get a person to yell at.
     
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