If you want information on this scam and the people behind it I recommend checking out this website: http://onthespotblog.com/the-hunt-for-rachel-at-cardholder-services/ The players we know that are now involved, including names and cities are: Ambrosia Web Design LLC, Chris Ambrosia, Mesa, Arizona American Debt Negotiators, Ran David Barnea, Boca Raton, Florida Associated Accounting Specialists Inc., William R. Page, Port Saint Lucie, Florida Castle Rock Capital Management, Roy M. Cox, Laguna Niguel, California Concord Financial Advisors LLC, Lee Cestine, Mesa, Arizona Financial Services Solutions LLC, CEO Unknown, New York, New York PHL International, Mark Burton, Deerfield Beach, Florida Premiere Debt Solutions, CEO Unknown, Orlando, Florida Red Leaf Capital LLC, Leroy Castine, Mesa, Arizona I have received more than 150 (I have them documented) calls from these criminals. I have filed more that 50 complaints with the FTC however due to the fact that they hide behind spoofed numbers I doubt that they will ever stop any of them. They ask for up front fees and charge your credit card without performing any services.