Rachel usually says something along these lines: "Hello. This is Rachel at cardholder services calling in reference to your current credit card account. There are no problems currently with your account. It is urgent that you contact us concerning your eligibility for lowering your interest rate. Your eligibility expires shortly so please consider this your final notice. Please press No. 1 on your phone now to speak with a live operator and lower your interest rate. Or press No. 2 to discontinue further notices. Thank you."

So who's Rachel? And what does she want?

"These are robocalls. In other words, you pick up the phone and you don't hear a human, you hear a prerecorded message. Usually they're claiming that they can reduce your credit card interest rate substantially and because of that you'll be saving thousands of dollars. Advances in technology have also made it easy for them to do what's called 'spoof' the caller I.D. information that the consumer sees on their telephone. So it might say the name of your bank or it might say cardholder services and trick consumers into thinking that they are talking about their own accounts when really that is not the case," says Kati Daffan, a staff attorney in the Federal Trade Commission's Division of Marketing Practices.

If you manage to click No. 1 and speak with a live human, he or she will try and see if you are eligible for the scam. If you meet certain criteria, you will forwarded to the next person in the chain, which is someone who will make charges to your credit card and claim that they will reduce your interest rates. But that doesn't happen and consumers may lose their money, get locked into a new credit card, or face recurring charges.

This is one scam, caller ID says it is CONSUMER SVCS and they have multiple phone numbers. 205-409-0895 robotic message says she is 'Hi, this is Beverly', but the rest of the message is word for word what Rachel says.

All these calls are from CONSUMER SVCS as identified by caller ID. But they have different telephone numbers.
12/29 205-409-0895 call time 12:48PM I asked if there was any way possible to get off their calling list - They hung up.
12/24 205-409-0895 called at 11:31PM No one answered - No message was left.
12/23 205-409-0895 called at 04:27PM No one answered - No message was left.
12/22 205-409-0895 01:31PM No one answered - No message was left.
12/19 205-409-0895 04:41PM I asked to talk with a manager - man said Yes sir and hung up.
12/17 205-409-0895 08:25PM They was told not interested and stop calling.
12/16 205-409-0895 05:01PM No one answered - No message was left.
12/16 205-409-0895 11:41AM I said "I'm just curious how many of these last time calls are we going to get" - she said ok and hung up.
12/15 205-409-0895 04:13PM I asked to be removed from their call list-they just hung up on me.
12/11 205-409-0895 05:58PM No one answered - No message was left.
12/09 205-409-0895 07:30PM No one answered - No message was left.
12/02 515-207-3384 10:23AM I told them I was tired of them calling and they just hung up on me
12/01 478-721-4143 01:12PM I told them this number was on the national no call list-they just hung up on me
11/24 478-721-4143 01:56PM I asked them to please stop calling-they just hung up on me
11/24 515-207-3384 01:30PM No one answered - No message was left.
11/21 432-214-2759 12:01PM No one answered - No message was left.
11/20 432-214-2759 01:05PM No one answered - No message was left.
11/19 432-214-2759 03:14PM No one answered - No message was left.
11/18 515-207-3384 01:26PM Pressed # 2 to be removed from call list.
11/18 432-214-2759 12:23PM Pressed # 2 to be removed from call list.
11/17 505-221-5912 12:26PM No one answered - No message was left.
11/17 432-214-2759 11:32AM No one answered - No message was left.
11/14 505-221-5912 04:39PM Pressed # 2 to be removed from call list.
11/14 505-221-5912 10:12AM No one answered - No message was left.
11/13 505-221-5912 02:29PM No one answered - No message was left.

Pressed # 2 to be removed from call list. Does seem to work, not always right away. But as you can see only 1 number is still calling. And if you have a brain you will Press 2 or ignore the call. It is a SCAM!!!! DON'T FALL FOR IT.

I recommend you file a complaint with the Federal Trade Commission at http://www.ftc.gov/faq/consumer-protection/submit-consumer-complaint-ftc