Those unsolicited “robo calls” to both your home and cell phone are annoying, to say the least.
The calls are recorded messages offering to lower credit card interest rates. Consumers report that the message requests, “press 1 to speak with a representative.” However, when they do so, the caller hangs up on them.
Some receivers of these messages do not even own a credit card, yet they are receiving these calls.
Some of the calls appear to be coming from “Card Holder Services” though there is no such company at the phone number that the calls are allegedly coming from.
Likely, the perpetrator behind the calls is using a call “spoofing” mechanism. Spoofing is the practice of causing a telephone device to display a number on the recipient’s caller I.D. that is not the actual originating phone number. It is accomplished by using a spoofing device or software mechanism.
If you receive such a phone call, the BBB recommends that you report the call to the Federal Trade Commission: https://www.ftccomplaintassistant.gov/. Also, check with your cell phone provider. Many providers allow phone numbers to be blocked from calling you, at no additional charge.
The BBB reminds consumers not to give out any personal or financial information over the phone to any unknown caller.