Who calls from 2129910001

I get a recording that the number is disconnected.

(212) 991-0001 Live screening & sales call recorded 20 July 2017 (unnamed caller from "Card Services", "reduce your credit card interest rate...") SCAM!
Caller ID: "Domain Companies LLC"

A misleading live screening and sales call suggesting that the call is from the credit bureau Experion, saying I may be eligible to reduce my credit card interest rate to one half or one third the current rate.

Their "shotgun" approach to making mass phone calls, and their total disregard of the Do Not Call list certainly tells us a lot about their business ethic, doesn"t it?

The best way to prevent these scammers from calling you is to make them NOT want to call you in the first place. The best way to do this is to sound like you"re interested in their offer, but waste their valuable time while you pretend to go along with their offer. The following call was over 23 minutes long and I managed to put them on HOLD with hold music for nearly six minutes before they disconnected.

Here is a transcript of their unwanted, intrusive, insulting screening and sales call:

"This call is now being recorded."

male voice: "Card Services, how are you doing today?"

me: "Uh, very good, thank you."
male voice: "That"s great sir. I see that you were responding to get a lower rate on your existing credit cards. Is that correct?"

me: "To tell you the truth, I answered the phone and dropped it. I did not hear. It sounded like a recording so I don"t know if you were on the line, or it was a recording. So what is this about?"
male voice: "Sir, that was a recording with this place to you by the credit bureau Experion, to get yourself a lower rates on your existing credit card."

me: "Oh, now that sounds interesting. Yes."
male voice: "Because sir you do understand that you have been making your monthly minimum payments on time and in fact sometimes you try to pay more, correct?"

me: "Yes."
male voice: "Which makes you eligible to get a lower rate on your credit card. Now, for the qualification purposes on which credit card that you think you carry the largest balance with a high interest rate?"

me: "Oh, uh, I guess that would be my Visa card."
male voice: "Sorry?"

me: "I think that would be my Visa card."
male voice: "And it shows me the interest rate you"re getting charged at 12% average on all of your credit cards, correct?"

me: "Uh, I hate to admit this I think it"s actually a little bit higher than that."
male voice: "Right sir, make sure the rate will be cut down to half or one third for the rest life of your credit card account, okay?"

me: "I didn"t understand you can cut it in half? Is that what you said?"
male voice: "Yes sir, it will be cut down to half or one third for the permanent basis, okay?"

me: "Well, yeah, that would certainly be a help."
Uh hmm. Now I want to make sure sir the Visa card is still valid for the lower rate. male voice: "Would you go ahead and reconfirm me the expiration date the month, and they"re only?"

me: "Yeah, I uh, have to get it, uh..."
male voice: "Sure."

me: "...my wallet is in my coat pocket. Just hold on for about 30 seconds, please." [HOLD music]


me: "Ok, I have the Visa card."
male voice: "When does the card expired?"

me: "Uh, let me see here. Just getting my classes, my reading glasses. Okay, it expires uh July of 2018, July two oh one eight."
male voice: "And, and the card number, starting with four?"

me: "Uh four five three two, four nine one seven, seven one four six, three one nine seven."
male voice: "Can you repeat that?"

me: "Yes. Four five three two, four nine one seven, seven one four six, three one nine seven."
male voice: "From which bank this card, your Visa card?"

me: "It comes from First Trust, Wilmington, Delaware."
male voice: "Okay, and are you the primary and authorized signer on the account?"

me: "Yes."
male voice: "To maintain the security verifying it"s the last 4 digits of your social, just the last four."

me: "Uh, the last four, nine two one five."
male voice: "And your ZIP Code?"

me: "Oh eight seven five three."
male voice: "And lastly sir, are you the one who take care of your own finances?"

me: "Am I the one who takes care of my own finances?"
male voice: "Uh hmm."

me: "I"m not sure I understand the question."
male voice: "Why, you have a power of attorney in your hand, right? You pay the bills for the part?"

me: "Oh, yes, yes."
male voice: "Verify me your date of birth."

me: "Uh, I"m, my date of birth is October 22nd 1944."
male voice: "God bless you, you don"t sound that old."

me: "Thank you. I, I certainly feel that old. Heh heh."
male voice: "Heh, heh. So sir, let me go ahead and blow up those statements for your Visa card, and I will be right back with the recent billing statements. Can you hold on?"

me: "Yes."
male voice: "It will take one minute. Do not hang up. I will be right back with the recent billing statement. Thank you."

me: "Ok." [HOLD music]

male voice: "Sir, you with me?"

me: "Yes I am."
male voice: "Sir, the card number was provided to me. It"s not matching with my records. Can you repeat that card number once more?"

me: "Oh, uh, yes. Let me get it out. I just put it back."
male voice: "Sure."

me: "Okay. Ready?"
male voice: "Uh huh."

me: "Four five three two, four nine one seven, seven one four six, three one nine seven.
male voice: "Let me go ahead and pull up this statement and the last 4 of your social is 9215, correct?"

me: "Correct."
male voice: "And on the back of the card sir you will see the 1 800 customer services toll free number. Can you see that?"

me: "Uhhh yes."
male voice: "On the on the right top corner, verify me that."

me: "I"m I"m sorry on the right top what?"
male voice: "On the right top corner you will see the 1 800 customer services toll free number."

me: "Oh, uh yeah. It"s kind of rubbed off. It"s hard to read, but yes, I see it."
male voice: "Can you verify me that?"

me: "Ok, uh, I"m going to need my magnifying glass. Can you hold for a second, I"ve got to get a higher magnifier. Just just a second. I"ll be back in a moment."

male voice: "Sure." [HOLD music. He remains on the line for nearly 6 minutes]

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