Jan 3: Answering machine spam: Recording of Rachel at "cardholder services"

The fraudulent sounding recording of Rachel at "cardholder services" called Sep 15, Oct 4, Nov 16, Dec 19, and at work on Dec 2 and 30. The fraudulent sounding recording of Michael called Nov 18.

"Hello. This is Rachel at "cardholder services", calling in reference with 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 to as little as 6.9%. Your eligibility expires shortly, so please consider this your final notice. Please press the number one on your phone now to speak with a live operator and lower your interest rate. Or to be removed from further notices, press two. Thank you. Have a great day."

The "Or to be removed from further notices, press two" was patched in with a different voice. It used to say press three to be removed.

That's the eighth "final" notice that's called my phone numbers.