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The national pandemic of telephone terrorism perpetrated by desperate criminal collection agencies is because they are trying to terrorize people who are naive enough to answer and submit to unsolicited telephone calls or written "collection" letters that have no legitimate legal debt****ociated with them or any of the companies, universities, or whomever else they claim to represent. Because most "little guys" were bankrupted by the criminal Wall St/Congress/Big Oil/Big Bankers/Big Business/Military/Robber Barons, so the desperate collection agencies are attempting to collect unpaid debts from innocent people by terrorizing them into submission.Word of advice. NEVER answer any calls you don't recognize or are not expecting. Use selective call rejection service if available, or switch to an Internet-based telephone service which provides comprehensive call rejection options. If rogue calls become chronic, turn off all the ringers on all of your phones except one, and set its volume to the minimum setting. If you don't answer the call and the caller is legitimate, they will usually leave a voicemail after the first or second try. Rogue callers never leave voicemail messages because that could be used as evidence a***nst them if it came to a lawsuit. If you receive a rogue letter in the mail warning you of some "collection" action a***nst you, if you don't actually owe it, reply with a short letter stating that you don't owe it. Or if you do owe all or part of it, reply with so****ing like "You claim I owe you a debt. Under §809 FDCPA, I request validation of this debt."Only give them your name as THEY have written it to you (e.g. “John Doe” not “Jonathon Q. Doe” or however you normally sign your own name), address, and the account number they report. But if you do not owe the debt (zombie debt, aged debt, mistaken or stolen iden***y, forgery, etc.) state that you have never done any business with them or with the (alleged) original creditor of any kind and you expect the collection agency to close the matter, stop harassing you and take any bad credit marks they've caused off of your credit rating, and furthermore, that any further contact from them must be in writing on their official business correspondence letterhead. Send your letter to them a.s.a.p., always within thirty days, first class certified mail return receipt requested. If they refuse it and you get the letter back unopened, leave it unopened and save it in your files as evidence a***nst them should they pursue legal action a***nst you. If they did receive it and continue to pursue action a***nst you, let them. The judge will throw it out of court. If the rogue collection agency sells your account to another rogue collection agency just tell them the claim has been proven invalid and offer to send them a copy of your letter to the previous rogue collection agency. Warn all your friends about this rash of desperate collection agency terrorism, and how to combat it. Knowledge is power. The more you learn how to combat rogue collection agencies, "lower your credit" scammers, back-taxes scammers, phishing scammers, and other criminal flimflammers, the more you will learn how easy it is to do.Above all, keep a record of everything, of every rogue call w/ caller ID information displayed including time and day of each call. Maintain a complete file on any snail-mailed intimidation from rogue collection agencies, including copies of all correspondences and postal receipts. Reporting rogue calls on sites like800notes.com, whocallsme.com, phoneowner.info is a great idea too, because many people find these sites by googling for the rogue number(s) after receiving calls from them.--S**** Here:http://www.privacyrights.org/fs/fs3-hrs2.htmhttp://www.google.com/search?num=50&q=%C2%A7809+FDCPAhttp://www.google.com/search?num=50&q=zombie-debthttp://www.google.com/search?num=50&q=slander-of-credithttp://www.google.com/search?num=50&q=limited ... llection-agencyhttp://www.privacyrights.org/fs/fs27-debtcoll.htmhttp://www.ehow.com/way_5849463_do-up-certified-dispute-letter.htmlhttp://hubpages.com/hub/How-to-Defeat-a-Collection-Agencyhttp://hubpages.com/hub/Battling-Consumer-Debt-Collectors-Part-2-I-Do-Not-Owe-This-Debthttp://hubpages.com/hub/Sample-letters-for-disputes-to-creditors--collectors-and-credit-bureaushttp://en.wikipedia.org/wiki/FDCPAhttp://www.fair-debt-collection.com/Disputing ... ute-letter.html (most say the above sample letter is too long and should be much shorter)http://www.fair-debt-collection.com/statue-limitations.htmlhttp://www.s****tel.com/  <= !Credit Report:https://www.annualcreditreport.com/cra/index.jspUSPS:http://www.usps.com/send/waystosendmail/extra ... mailservice.htmhttp://www.usps.com/send/waystosendmail/extra ... eiptservice.htmOther links:http://www.cnn.com/2008/LIVING/personal/02/29 ... tors/index.htmlhttp://hubpages.com/hub/How-to-Defeat-a-Collection-Agencyhttp://clarkhoward.com/shownotes/category/12/103/358/http://clarkhoward.com/topics/drop_dead_letter.html--Information for filing complaints a***nst rogue telephone calls,telephone harassment, false "bill collector" harassment, etc.,in the United States and Ca***a:UNITED STATESUS National Do Not Call Registry, file complaint: https://www.donotcall.gov/complaint/complaintcheck.aspxFederal Trade Commissionhttp://www.ftc.gov 1-877-382-4357File complaint online: https://www.ftccomplaintassistant.govhttps://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enthat is at www.ftc.govFederal Communications CommissionTelephone toll free:  1-888-225-5322http://www.fcc.gov/contacts.htmlFile complaint online: http://www.fcc.gov/cgb/consumers.htmlhttp://esupport.fcc.gov/complaints.htmFCC Abandoned Calls Complaint form:http://www.fcc.gov/cgb/consumerfacts/1088D-R.pdfemail:  [email protected] Business Bureau, Check out a Business, find owner, contact info; file a Complaint:http://www.bbb.org/us/INTERNET CRIME:File report for Internet Crime at:Internet Crime Complaint Centrehttp://www.ic3.gov/default.aspxCA***ARCMP Phone bustersTelephone toll free: 1-888-495-8501Mon-Fri 8:30-5:20 pm (Eastern Time)E-mail: [email protected] Website is at: http://www.phonebusters.com  File complaint online:  https://www.recol.ca/intro.aspx?lang=en(Register with a password and then can continually file complaints)Ca***a National Do Not Call Registry:Ca***ian Radio-Television and Telecommunications Commission (CRTC)Telephone toll free to File A Complaint: 1-866-580-3625(to withdraw a complaint is 877-249-2782)CRTC online complaints form: https://www.lnnte-dncl.gc.ca/pfplin-fccoin-engthat is at  www.crtc.gc.caBetter Business Bureau, Check out a Business, find owner, contact info; file a Complaint:http://www.bbb.org/ca***a/

I get this call almost every day and these people are all very rude, I tried pressing 3 to stop the calls,and when that didn't work I pressed 1 and everytime I try to explaine I want them to stop calling they get rude swear and act like ****s - I wish I could find them.        from about 2 weeks ago I s****ed to play along and pretend I was interested - this part is good.the first person you talk to takesyour info and I make it sound like I have a lot of debt, then you get to a second person who confirms the info - they don't ask for personal data yet, just asking how many cards, how much money, and the banks.  So I keep it going making it sound like I really want their help.After the second person confirms the info youu get to third person who quickly asks about the info, and then seems like he is going to setup the arangments....then I tell him to go f*** himself and I was just wasting his time because they won't stop calling me.  He got so ****ed off I could hear him yelling at the person who ttransferred my callto himand then I ***g up.I was called back by the second person and I then told him what I was doing and why,Everyone shoould do tis to waste their time, it's the least we can do, and it will cost them money and they will not be able to bother as many people that way.

Received the exact same call yes****ay 7/27/11 at 1:00pm . Different number 1-407-358-9999 "Florida Call". This time it came in as "UNASSIGNED" . They are definitely using a computer to set-up s**** numbers. Don't press three or comply with any "directions" that can be used to I.D. you. This entire scenario is a phishing scam to rip you off. Any legit organization will identify itself and will gladly give you a valid phone number to call back to. Furthermore they will generally ask you if your account ends in specific numbers, they will not ask for any complete number to any account. As a general rule the legit companies won't talk to an answering ma****e, wastes time and money because they can't talk the ma****e into the product or service they are pushing. Only legit companies obey the law. So turn the calls in to your Attorney Generals Office as the first step. This provides the Feds with a verifiable complaint trail with times dates and number of occurrences, as well as a state by state pattern. I've gone this route before and it works! It requires patience in gathering enough info to make the complaint solid and worth filing both for you and the A.G.'s office. Happy creep ***ting.

This company persists in calling repeatedly - ostensibly to offer a program to reduce interest rates to current credit card holders. Options are offered to  #3) "discontinue received calls , or #1) "speak to a representative".As option #3 never worked, I selected #1 yes****ay and spoke to their representative, asking that he identify his organization. He did not. After determining the actual parameters of their program (which I did NOT qualify for, lacking sufficient indebtedness) - before I could ask to be removed from their incessant calling list, their agent summarily ended the conversation by ****ing up on me, mid-sentence.Today, they called a***n: Pressing option #1, I immediately asked for a supervisor. The woman who answered asked me to "hold", then simply went away... no transfer, no return to the phone, After 10 minutes, I ***g up.. but in truth, the call had probably been disconnected the minute I asked for a supervisor.AUTHORITIES NEED TO STOP THIS HARASSMENT AND SUE THIS COMPANY OUT OF EXISTENCE!

Called and offered me so****ing about a credit card. I ***g up because I don't have a credit card. When I called back it was a very irritated dude who said "I didn't call you." and ***g up. Seems like they are blocking their real number and somehow putting someone else's number in when they call. You can do that with android apps so I am sure they figured out how to do it for their benefit. That poor guy is probably getting screamed at by people today.

Hit 1 to speak with a representative. He stated the requirements to be eligible for a 0% interest rate and asked if I would be qualified. I asked him which on of my cards was he referring to. Line goes dead. I think I'm going to resort to a trick my old man used to pull when he would get constant wrong number calls. He kept a whistle by the phone and when it was an obnoxious wrong number out came the whistle!

This number has been calling me every morning!! I have pressed "3" twice now to be removed from their calling list yet they still keep calling. I've called this number back and was placed on hold for 16 minutes while I went down from being caller #19 all the way down to caller #2 and then it said I was caller #20 and going down a***n!! What the heck!?!? This is rediculous! I'm also on the do not call list.

Just got a call from this number. Yup! They offered to lower my credit card rates. I pressed 1 to speak to a representative. Asked how I go about getting my number out of their database, Bob ***g up on me. Reported the call to Do Not Call Registry. Called the number back only to get a message from Jennifer Leach telling me I probably called the number because of a phishing email and it's a scam. DUH!

Me too - just a few moments ago... same number same ordeal.. i like making them sweat a bit.. if the people WORKING for them - when they try to sell me... realize they're working an illegal scam and otherwise illegal actiivty (violating the DNC registry - for which we've been on CONSISTENTLY without gaps for past 5+ yrs) they get fr***led and (HOPEFULLY) they'll quit!

Just got a call from this number and didn't answerFor some reason it went to my voice mail and when I played back the message, it was exactly as stated by other posters....press 1 to talk to a rep or 3 to no longer receive callsI never answer numbers I don't recognize....sometimes I don't even answer calls I DO recognize!

Got 3 calls this morning. Rachael calling to lower my interest rates. I ***g up and called number back and got a recording from Jennifer Leach, FTC, explaining phishing and referring you to FTC web page. Sounds like the feds are on to these low life scam artists.

I am daily called by this number at the same hour even though I am on the "do not call list". It always say private caller. How do I get rid of it?Thanks ahead for some good tips if you know any. :))

Unwanted call.  Our phone is number is registered on the Missouri "No Call List".  I am unable to reach anyone when I return the call and no  message is left.

Rachel has been calling me for 3 years. I have repeatedly asked not to be called any more to no avail. How do I stop these calls?

Receive constant annoying calls, "hi this is Rachel" calling about your credit card. I receive these bogus calls quite often

DONOTCALL.GOVIf you dont report them, nothing will happen to them. Never talk to them over a phone.

Lower your rate BS. Who do we report these low life s*** to?

credit card..interest rates... calls from all different numbers three times per week...est...

lower your interest rate credit card scam

"Racheal" calling with yet another lower-your-credit-rate scam

Lower-your-credit-card rate scam.