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The FTC gets Rachel the Robocaller… again

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Have you gotten pre-recorded sales calls from Rachel from Cardholder Services? Or Bank Card Services or Credit Assistance Program? You’ve been reporting these illegal calls, and the FTC continues to take action.

Today, the FTC and the state of Florida announced a lawsuit against Life Management Services, a company that the FTC says is behind hundreds of thousands of these calls.

According to the FTC, Life Management Services swindled people out of their money by offering two types of phony debt relief: credit card interest rate reduction services and credit card debt elimination services. The company promised lower interest rates or government funds to pay off debt, and asked people to make initial payments ranging from $500 to $20,000. But almost no one got the help that was promised.

This is one of six recent FTC cases that focus on illegal robocalls. How does the FTC build these cases? One critical tool is the FTC’s honeypot -- a large bank of phone lines designed to attract robocalls. That lets FTC investigators interact with robocallers, record the calls, and make undercover purchases. The FTC uses its honeypot to identify companies placing illegal calls and collect evidence of their illegal activities. It was particularly useful in the Life Management case announced today.

So, what do you do if you get another unwanted robocall?

  • Hang up. Don’t respond in any way. Pressing buttons to get you taken off a list could result in more unwanted calls.
  • Block the caller’s number. You have a few options for blocking unwanted calls, including call-blocking devices, mobile apps, cloud-based services, and services provided by your phone carrier.
  • Report it to the FTC at or 1-888-382-1222.

Read on for more info and tips about robocalls.


These will never stop. Don't matter if you don't do anything or try to talk to operator to get taken off list. Government don't care either or it would be totally illegal

Found this posting about finally getting these Credit card scammer calls. I see the article is dated June 2016, over a year ago. Interesting because I am still getting these calls all the time -- 2 - 3 times per week. So, what has happened.

Does anyone ever go to jail, or is this just a waste of time?

I was getting them like crazy and just realized I haven't heard from "Rachel" or "Veronica" in a while(a few months) so I googled. I was assuming the FTC had got them and they had stopped. Sorry to those still getting them...I'm hoping they lost my number:)

I get 4 or more calls a day and I am on the do not call list. What is the FCC doing? We need to start our own class action lawsuit. Lots of hungry lawyers out there.

Just got another call from credit card services...sick of these calls...the numbers are spoofed. I looked this one up and it's from my area. Our numbers are on the DoNotCall list which blocks most calls, but this one gets through. I hope someone catches them soon.

This country can send a man to the moon, but apparently cannot stop robo calls.

I have blocked, reported and done everything I thought possible to get these calls to stop..Then I heard about the lawsuit, but I think that is a joke as the calls are still coming

I have been ROBO STALKED by Rachael and Bridgette from Card Holder Services for so many years that I can’t remember how long ago it started. It probably started over 10 years ago with thousands of calls at all hours of the day, multiple calls per day and many per week. It is relentless. I’m so tired. I’ve tried all the procedures several times. Nothing works. Feds, please help us.

I have been ROBO STALKED by Rachael and Bridget from Card Holder Services for 10+ more years than I can remember. I’m so tired because my sleep is always interrupted. They call multiple times per day, all hours of the day on my cell and home phones. I’ve tried all the procedures several times to get rid of these harassing calls. Why is it taking so long to put Card Services and others out of business. They can send men into the depths of outerspace but can’t stop Rachael from stalking me. She has got to be the most hated woman in this country. It’s time to get rid of her

Well today is a new day for Me & Rachel at card holder services. I have been labeling all my calls as spam BUT TODAY SHE HAS HIGH_JACKED ONE OF MY SONS NUMBERS & IT SHOWED UP AS HIM CALLING ME, SO I ANSWERED IT, NOW tell me somebody can do something about this, PLEASE.

Got a call from veronica just a few minutes ago. Have not heard anymore from Bridget and Rachel.
veronica needs to go as well.

I decided to look up how I could spoof my number and found the company who is making this living hell happen to all of us. Their name is I think we should petition the government to make their service illegal. I can't imagine any other way to end this. I run a business and can't answer my phone at all. When I come in after the weekend my answering machine is loaded, so customers can't leave a message. It is hurting my business, we should be able to sue. If we can't use our phones, they are essentially stealing from us for their profit. Would any of you be willing to sign a petition?

I just watched the video and it ends with the man saying we should hang up and report the number that called. Why? If the number is spoofed what good will that do? needs to be shut down, they are providing the scamers the ability to spoof.

The FTC should use the full force of its power to stop robocalling in the US. Why can't the FTC require AT&T and other carriers to terminate offshore companies who abuse phone services by robocalling? It would seem simple to analyze phone lines that use bandwidth for this purpose. AT&T could then terminate the account and phone line for abusers.

Well, it did not work because I just got two of Racheal's calls on two different cell phones.

I never got robo calls with Consumer Cellular but I moved and couldn't get reception from them anymore. It's a rural area and only US Cellular works here so I switched by number over to them.

Been getting calls non stop since I switched. Someone at US Cellular must be feeding them phone numbers from their company.

This policing is inadequate. We need laws that you can not hide a number from the person you are calling unless you have a residential phone. The complaints need to be automated just like the calls. When you get a robo call you should be able to hit a few numbers to report the call. The automated complaint lists should be acted upon by FTC within hours to shut them down. This law suit will only get the biggest abusers and will be calculated into their cost of doing business. It is not a fix for the problem.

I am still getting these calls about two times per month on my cell, I block the number each time, but they just call back from a different number. I hope your case is successful and i wish your "honey pot" to catch scammers was bigger.

Giving them a stupid lawsuit and that's it does nothing. They need to be locked in jail, hard labor, and the rest of their lives forced to work and it goes into paying those they scammed or robocalled. Not a 1 year or less or nothing and they have millions hidden and stashed away. Or maybe if people get cousin Vinny to pay them a visit so they never walk or talk again.

Another great idea, post the public information of those doing these calls. Post their personal home, name, photo, phone, everything.

These people are now spoofing local area code and exchange numbers so blocking numbers is no longer effective. I am stunned that the phone company or cell company can't catch these bad actors in seconds. I have offered to have my phones tapped by phone company, police, DOJ, FTC and I'm sure other citizens would do the same. There is no need for a "honey pot", I get 3 of these calls every day

They are relentless ... calling my cell and interrupting business. They continually change phone numbers so you cannot keep them blocked. I have spoken to their representatives at least once a month - answering their questions, only to find out I am NOT qualified. I ask them to take me off their list. Some employees say they will while, most just hang up on you. I have even had them use profanity when I do not qualify.

I just got a call from Rachael about credit card debt reduction. My mom and dad got the same call today from different numbers. I’m tired of blocking numbers. It’s out of control and it has to stop.

Why cant they do something about this???

I've traced some of these calls & found most of them originate through regional service providers. Why can't the FTC crack down on these providers who are also profiting from the scams; and what about the technology used to "spoof" the numbers? Companies that knowingly provide service/equipment allowing the scammers to perpetrate the crime are equally guilty and should be held responsible as accessories.

This needs to be taken out of the FTC's hands. I'm sure they are a nice group of people, but they are not known for their enforcement abilities. First off I don't care about them suing robocallers. These losers need to do jail time. Back in the 90's ISP's would disable entire blocks of IP addresses if they found port scans or SPAM flooding on their network. It wreaked havoc, but you can be damn sure those people made sure they didn't have any open mail relays on their network. If as a carrier you get complaints about robocallers you should be compelled by law to disable all numbers associated to that account. If the numbers are on a different carrier then that responsibility should be shifted to the other carrier. Any carrier that is negligent in these responsibilities should be fined HEAVILY (i.e.Millions of dollars) or in the case of overseas carriers have communication blocked. If that doesn't work then the carriers need to start using a blacklisting service to block phone numbers.

You may be interested in this August 2017 press release which explains how, each business day, the FTC releases lists of the numbers consumers report as robocall and Do Not Call violators to telecommunications providers that work on call blocking solutions. Many of those solutions rely on blacklists -- databases of telephone numbers that have received significant consumer complaints -- as one way to determine which calls should be blocked or flagged before they reach consumers’ phones.


I've been getting these *** calls for two (2) years! Tried everything from blocking the number(s) to sending a string of characters to taking the call and insulting the caller. Nothing works!! I still get up to three (3) a day. Don't promise me tax relief - promise me robocall relief and I will vote for you. A Floridian.

Looks like the lawsuit is about as phony as Rachel and the card services. The calls have never stopped or slowed down.

still getting calls.

Rachel’s credit card service they have been calling me sense 2005
The phone numbers change every day. Tow to three times a day. I am sick they somehow got my cell number they can change it to look like my first three digits I am at the end this has to stop now. Can someone please help me someone to call report them for harassing me everyday none stop. Plus someone calling saying that my Windows needs fixed. I know better then that. HELP!!

Have had calls from them for years and when my business is closed in the winter and calls forwarded to me in another state I have to pay for every one of them, They are coming from V numbers that can spoof local numbers. Until they can trace the V numbers there is not much that can be done. I even had a woman call me to complain as my number turned up on her scam call!

I wait for the "live" person & string them along (it's often the same Indian sounding guy) and it has become a game for me. Can I waste 5 minutes or so of their time, or will they wise up & hang up? Or will they call me an obscene name? (For which I award myself extra points!). My record time so far is 4 minutes 36 seconds. If all of us getting these call wasted their time it would at least make us feel better & irritate them!

I was fooled by the local number, so I answered phone. Hung up after part of robocall message.

Now they're robocalling me from what looks like local number. What will they try next?!

Lexington Law is behind many of these calls, talked to a representative from India and then was forwarded to a rep from Lexington law. Big scam.

I don’t understand why a country with 19 aircraft carriers in its military can’t stop Rachel. The government could stop robo calls by passing a law making the phone companies charg a tax on robocalls. I suggest $10.00 per call

They just called me from Delaware.

I get on the phone with them and string them along and waste their time. Every minute with me is a minute they don't have to pester you guys. What is odd is the fact they apparently have financial information on you and what cards you have...I wonder where they get this?

Rachel called again today. Problem not fixed!

Why should I have to pay for a phone service only to receive dozens of unwanted soliciting and harassing phone calls every single day?
The amount of calls made constitutes harassment and stalking. If an individual called anyone's phone number this many times for no reason after repeatedly being told to stop, they would be arrested.
My only option to stop this harrasment is to cancel all phone service.
When will something really be done to protect my rights?

Almost 2 years later and it is even worse. Fines are a joke for these people. Need new laws with mandatory prison time. !0 years min for management. 1 year for employees. 30 years for owners.

Everybody contact their congressman and senator and tell them you want a law to stop any "for profit" company/organization calling no call list homes to be subject to big fines and big jail time. Also fund policing needed to make them stop. Flood them with calls, texts, e-mails, tell them its time to do some work we want.

I get these type calls at least 6 times day I am sick have cancer I hate answering phone for these scammers wish someone would stop these calls and robo calls

ug. "Rachel" just called. I haven't heard from her in a long time.

These bottom feeders have harassed me in three states over ten years. They change their numbers to your local area daily no way to stop them.

Shouldn’t they arrest or fine these people for violating the “do not call list” law? My guess is that nothing is done because these businesses make large contributions to politicians’ re-election campaigns. Congress--the best law makers money can buy!

I get calls from "Rachel" all the time, always different numbers that are almost certainly spoofed (faked). I utilize Nomorobo on my VOIP line, but that doesn't do squat for spoofed numbers. You'll find most of the scam calls end up connecting you to someone in India. There are technological solutions that involve validation, but whether or not they'll ever be implemented is another matter entirely.


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