Wednesday, November 26, 2008

Nov 26: Recording of "this is an important message regarding your current credit card account" scam

Woman's voice: "This is an important message regarding your current credit card account. We have made several attempts to reach you. This is your final courtesy call before we are unable to lower your credit card interest rate. Press one to speak to our member services department. Or press two and your eligibility to lower your rates will expire."

This sounds like more lies.

Nov 26: Miscellaneous crap

There was a least one hang-up call.

Nov 26: Recording of "please listen carefully" automobile warranty scam with "third and final notice" lies

Woman's voice: "Please listen carefully to this important notice regarding your automobile. This is your third and final notice. That the factory warranty on your vehicle may have expired. And should be reactivated to protect you against the cost of repairs. If you have not responded to this notification, it's not too late. You are still eligible to reactivate warranty coverage. This is the final call before we close the file. Press one now to speak with an agent. To permanently remove your vehicle from eligibility for future coverage, press three now."

Nov 26: Recording of "Michael" calling in regards to Dish, the satellite TV company scam

Man's voice: "Hi. This is Michael. Calling in regards to Dish, the satellite TV company. Over the next few weeks, we're in your area installing a number of systems. And have a promotion that will get families a new satellite TV system totally free. That's right. Free installation. Free equipment for up to four rooms. And a free DVR. And if you don't know what that is, press one and our reps will tell you about it. Basically, if you still have a cable provider for your television, we want your business, and we're going to great lengths to get it. Today, we'll even give you a hundred bucks back. So with no obligation, press one and be connected to a customer service representative. It doesn't hurt to at least talk to us and learn more. I'm confident that we can save you money and improve the way you watch TV. Give us a chance. Press one now. Press one and be connected to a customer service representative. Press one now."

Tuesday, November 25, 2008

Nov 25: Recording of "congress passed the mortgage cancellation relief act" scam

Woman's voice: "Congress passed the mortgage cancellation relief act to help protect homeowners like you. If you do not want to learn how to lower your principal balance, and get rid of your adjustable rate mortgage. Without refinancing. Press two now, and you will be removed from our program. Time is running out. If you would like to learn how to take advantage of this special legislation, press one now, and you will be immediately connected to one of our friendly debt counselors."

I doubt that pressing one would result in talking to someone friendly. I imagine I'd be talking to someone who would hang up on me the second I said something they didn't like or not in their script. So I think that recording is full of lies and is a scam.

Nov 25: Miscellaneous crap

There was a telemarketer that said "Hello" for about fifteen seconds before hanging up. There were also at least two hang-up calls.

Nov 25: Recording of "please listen carefully" automobile warranty scam with "third and final notice" lies

Woman's voice: "Please listen carefully to this important notice regarding your automobile. This is your third and final notice. That the factory warranty on your vehicle may have expired. And should be reactivated to protect you against the cost of repairs. If you have not responded to this notification, it's not too late. You are still eligible to reactivate warranty coverage. This is the final call before we close the file. Press one now to speak with an agent. To permanently remove your vehicle from eligibility for future coverage, press three now."

Monday, November 24, 2008

Nov 24: Recording of "loan modification center" scam

Woman's voice: "Hello. Are you currently late on your mortgage payment? If so, this is an urgent message from the loan modification center. For more information on how to reduce your mortgage payment, press the number one key now. Recent economic conditions have resulted in the government bailout providing an opportunity for homeowners to reduce their monthly mortgage payment. For more information on how you can benefit from this program, press the number one key now. To be removed from this list, press three."

Nov 24: Recording of "are you paying too much for your TV service" Dish network retailer scam

Woman's voice: "Are you paying too much for your TV service? Switch to Dish Network now and get the lowest per-channel cost in the industry. You can get over one hundred thirty channels. Including local channels. You also get a free satellite system. Free installation. Free DVR equipment. And free high-def equipment. To hear more about this special offer, please press one on your phone now. Or press two to be taken off this special list."

Friday, November 21, 2008

Nov 21: Recording of "annual diabetic supply order reminder" scam

Man's voice: "This is your annual diabetic supply order reminder. Press one now to get your refill on all your supplies, including upgraded alternate site testing, where you don't even have to prick your finger. We now also offer shoes and insulin pumps. If this is your first order, remember that this could be free with your current health care provider and will be shipped and in your hands within one to three days. Press one to place your order. Or press three to cancel your annual reminder."

I've never ordered diabetic supplies. I've never been diagnosed as diabetic. Why the fuck are they calling me?

Nov 21: Recording of "loan modification center" scam

Woman's voice: "Hello. Are you currently late on your mortgage payment? If so, this is an urgent message from the loan modification center. For more information on how to reduce your mortgage payment, press the number one key now. Recent economic conditions have resulted in the government bailout providing an opportunity for homeowners to reduce their monthly mortgage payment. For more information on how you can benefit from this program, press the number one key now. To be removed from this list, press three."

The voice sounded very similar to the voice used in lots of other scam recordings, such as the ""Hello. Zeller, Bloomingdales, Macy's and even Target now have their winter displays up..." Cancun Mexico vacation scam.

Nov 21: Recording of "Eve" with yet another loan modification scam

Woman's voice: "Hi. This is Eve. You may be unaware that congress recently passed the emergency mortgage loan modification act of two thousand eight to provide safe harbor for Americans who seek to restructure their mortgage payment with their lenders. A mortgage loan modification can benefit a borrower that is currently unable to refinance, cannot afford the current mortgage payment by fixing a mortgage payment that was about to adjust or has adjusted, or reducing a consumer's current interest rate without refinancing to a payment they can afford. Many Americans have already enjoyed the benefits and long-term security a loan modification can bring. Simply put, the sole purpose of this piece of legislation is to make your loan more affordable, and keep Americans in their homes. Press one now to be connected to a loan modification specialist. Or press two to be added to our do not call list. Again, press one if you would like to get more information about how you can take advantage of this emergency legislation."

Wednesday, November 19, 2008

Nov 19: Miscellaneous crap

There was at least one hang-up telemarketer call. The one one the answering machine consisted of about ten seconds of call center noise.

Nov 19: Recording of "please listen carefully" automobile warranty scam with "third and final notice" lies

Woman's voice: "Please listen carefully to this important notice regarding your automobile. This is your third and final notice. That the factory warranty on your vehicle may have expired. And should be reactivated to protect you against the cost of repairs. If you have not responded to this notification, it's not too late. You are still eligible to reactivate warranty coverage. This is the final call before we close the file. Press one now to speak with an agent. To permanently remove your vehicle from eligibility for future coverage, press three now."

Nov 19: Recording of no money down brand-name computer scam

Man's voice: "Congratulations. You've been prequalified for a brand-name computer with no money down or credit check. You can even get a free printer and free LCD TV with your order. Press one now to take advantage of this exciting offer. Again, press one now. Or press three to decline this offer."

Nov 19: Recording of "if you're a homeowner struggling" scam

Woman's voice: "Hi. If you're a homeowner struggling to meet your mortgage payments, stay on the phone. If not, press two to be removed from this list. If you're falling behind on your mortgage payments or are currently behind, we can help. And if you're in an adjustable rate, or have been declined a refinance, we can help. To be connected with a financial adviser who can further assist you, press the number one now."

There was a bunch of distortion in the recording.

Tuesday, November 18, 2008

Nov 18: Recording of "if you're a homeowner struggling" scam

Woman's voice: "Hi. If you're a homeowner struggling to meet your mortgage payments, stay on the phone. If not, press two to be removed from this list. If you're falling behind on your mortgage payments or are currently behind, we can help. And if you're in an adjustable rate, or have been declined a refinance, we can help. To be connected with a financial advisor who can further assist you, press the number one now."

Nov 18: Recording of "Janie" from the "loan servicing department" scam

Woman's voice: "Hi. This is Janie from the loan servicing department. The federal government has asked lenders to work with their clients to help them save their homes and reduce their payments and or eliminate negative equity due to decreased home values. Press one now to speak with a specialist about this exciting new program. Or nine to be removed. If you're currently experiencing hardship, behind in your mortgage, or your loan is recently recasted to a higher interest rate, you are eligible for this program. Press one now to speak with an associate. Or press the nine key to be removed from our database. This is not a new loan, but a negotiation of your existing loan terms. And or a reduction of your principal balance. Press one now to learn more. Or nine to be removed."

Nov 18: Recording of "announcement" scam about governmental "economic stimulus home loan program"

Woman's voice: "This announcement concerns your eligibility for the government's new economic stimulus home loan program. And the new home loan limits with Freddy Mac, Fanny Mae, and the FHA, the federal housing administration. This stimulus package will help homeowners save hundreds, and possibly thousands of dollars each month by lowering their present interest rate. And help those homeowners that need to get out of an adjustable and into a thirty year fixed."

Man's voice: "Please note. This is a temporary program. And is only available until the end of two thousand eight. So press one now to find out if you are eligible for the government's new economic stimulus home loan program. These government home loans are federally insured. So they are regulated. Which means they cost less than traditional home loans. With the the new guidelines, you may be eligible to refinance your existing home loan and save money no matter what your credit score. Press one now to find out if you are eligible. Press three if you wish to be removed from our marketing list."

Nov 18: Recording of "public announcement" H.R.3221 scam

Nov 18: Recording of "public announcement" H.R.3221 scam

Woman's voice: "This is a public announcement regarding the American housing rescue and foreclosure prevention act HR three two two one for homeowners in mortgage distress because of high-rate adjustable loans. For information and eligibility on interest rate and loan amount reduction, press one on your phone now to be connected with a live counselor. To be removed from our list, please press two now. Again, to contact a counselor, press one now. Or to be removed, press two now, as our counselors will not be able to remove you from this list from this point on. Thank you."

Nov 18: Recording of "Cathy" with "card services" scam

Woman's voice: "Hi. This is Cathy with card services calling in regards to your credit card account. It appears that you are now eligible for interest rates as low as six point nine on your account. However, this offer is about to expire, so if you still owe at least two thousand five hundred dollars or more in total credit card debt and would like to qualify for the lower rate, press one now to be transferred to a live representative who can further assist you before the lower rate is no longer available to you. Again, if you still owe at least two thousand five hundred dollars or more in total credit card debt and would like your interest rate lowered, press one now to be transferred to a live representative who can further assist you."

Monday, November 17, 2008

Nov 17: Recording of "Sheila" with "credit card services" scam

Woman's voice: "Hi. This is Sheila with credit card services. And I'm calling with an important announcement about your credit card account. This is our third attempt at reaching you. Our records indicate that we can now settle your credit card balances for as little as forty to fifty cents on the dollar. And reduce your monthly payments by as much as fifty percent. This is your final chance to participate. So press the number one key now on your telephone. To speak with a live operator. To substantially lower your monthly payments. Again, press the number one key now. Or press three if this call was made in error."

Nov 17: Recording of "Sally" with "satellite services" scam

Woman's voice: "Hi. This is Sally with satellite services. And I have a question. Are you tired paying too much for cable or your current provider? If so, save up to fifty percent with all digital satellite television for twenty-nine ninety-nine a month. Plus, the digital equipment and installation is completely free for up to five TVs. And for a limited time in your area, get free upgrades to HD and DVR and twenty premium movie channels free. Press one to learn about our best promotion of the year. And are you prepared for the digital conversion coming soon? Talk with a satellite advisor to find out what your options are by pressing one now. There's never been a better time to lower your bills with discount digital satellite TV. Get a fast and accurate quote in less than five minutes by pressing one now. Or to be removed from our calling list, press nine."

Nov 17: Recording of "please listen carefully" automobile warranty scam with "third and final notice" lies

Woman's voice: "Please listen carefully to this important notice regarding your automobile. This is your third and final notice. That the factory warranty on your vehicle may have expired. And should be reactivated to protect you against the cost of repairs. If you have not responded to this notification, it's not too late. You are still eligible to reactivate warranty coverage. This is the final call before we close the file. Press one now to speak with an agent. To permanently remove your vehicle from eligibility for future coverage, press three now."

They must have "closed the file" zillions of times now, because they keep calling.

Nov 17: Recording of "if you place one of our signs" home security scam

Man's voice: "Hello. If you place one of our signs in your front yard, we will place this home security system in your home for free. And if you act now, we'll include two keychain remotes, a ninety-nine dollar value with your system. As I said, there's no cost for this equipment or the installation whatsoever. There is no obligation whatsoever. So if you'd like to hear more about the system, press number one. If you want to be placed on our do not call list, press number three."

Nov 17: Recording of "Heather" at "account services" scam and harassment

Woman's voice: "Hello. This is Heather at account services. And we're calling in reference to your current credit card account. There's no problems currently with your account. It is urgent however that you contact us concerning your eligibility for lowering your interest rate. To as little as six point nine percent. Your eligibility expires shortly. So please consider this your final notice. Please press one now on your phone to speak with a live operator and lower your interest rate. Or press two to discontinue further notices. Thank you and have a great day."

I pressed one and asked when my eligibility expires. The woman said some nonsense about working with five hundred credit card companies. I asked why they'd say my eligibility expires shortly if they didn't know when it expired and she hung up on me. Next time, I'll just feed them lies and waste their time instead of saying things that cause them to hang up on me.

Friday, November 14, 2008

Nov 14: Recording of "please listen carefully" automobile warranty scam with "third and final notice" lies

Woman's voice: "Please listen carefully to this important notice regarding your automobile. This is your third and final notice. That the factory warranty on your vehicle may have expired. And should be reactivated to protect you against the cost of repairs. If you have not responded to this notification, it's not too late. You are still eligible to reactivate warranty coverage. This is the final call before we close the file. Press one now to speak with an agent. To permanently remove your vehicle from eligibility for future coverage, press three now."

Nov 14: Recording of "attention all homeowners" S.B.1137 scam

Woman's voice: "Attention all homeowners. Stay tuned for a special announcement regarding your current mortgage. In accordance with bill S.B. eleven thirty-seven, effective as of September eight, two thousand eight, California law now requires and has your(?) writ(?) mandatory that all banks, savings, and loan institutions must contact delinquent homeowners prior to N.O.D. notice. Press one now to see if you qualify for our loan workout. Currently, these work(?) coalition, in accordance with bill S.B. eleven thirty-seven, is saving thousands of homeowners through loss mitigation and foreclosure prevention workouts. If you are a homeowner, and currently are in an N.O.D. situation, and have not worked out a lower payment with your current bank, press one now. If you are behind on your payments, or possibly behind on your payments, press one now to find out your rights regarding home ownership and foreclosure prevention. Press one now to speak to a hardship analyst to see if you qualify. Press two to be taken off our home saver list."

I have no idea what N.O.D. means. The recording was distorted or something when they were talking about the something coalition, but I think it's a scam anyhow. If I had a mortgage and I had problems paying, I'd be talking to my lender, not some fucking telemarketing scam like this one appears to be.

Nov 14: Recording of "this call is regarding your mortgage payment and foreclosure" scam

Man's voice: "This call is regarding your mortgage payment and foreclosure. Our loss mitigation department is here to help by restructure(sic) your loan and lowering the payment up to fifty percent without having to refinance. You must act now. Please push one to speak with a specialist. Please push one now."

Thursday, November 13, 2008

Nov 13: Miscellaneous crap

There was one telemarketer who did not identify who was calling or for what reason who asked for me by name. There were at least two hang-up calls.

Nov 13: Recording of "public announcement" H.R.3221 scam

Woman's voice: "This is a public announcement regarding the American housing rescue and foreclosure prevention act HR three two two one for homeowners in mortgage distress because of high-rate adjustable loans. For information and eligibility on interest rate and loan amount reduction, press one on your phone now to be connected with a live counselor. To be removed from our list, please press two now. Again, to contact a counselor, press one now. Or to be removed, press two now, as our counselors will not be able to remove you from this list from this point on. Thank you."

Nov 13: Recording of "Lisa" with "Dish Network" scam

Woman's voice: "Hi. This is Lisa with Dish Network. And we have you scheduled today to receive your new satellite entertainment TV system. Our records indicate that you should be receiving this system along with DVR in several rooms of your home. Your installation and equipment are already paid for. And it looks like you have one hundred dollars cash back coming to you. Plus. For pressing one now, you will receive a free Disney planning resort vacation to Orlando, Florida. Remember. Everything has already been paid for. So press one now."

Wednesday, November 12, 2008

Nov 12: Recording of free digital equipment scam

Woman's voice: "Hello and congratulations. Your house has been selected to receive free digital equipment. The government is requiring every household in America to have digital equipment before two thousand nine. You will receive free digital equipment, free installation for up to four rooms. Also, free DVR service. Plus HBO and Stars, free of ___ three months. Now this is a limited time offer, so press one now to hear mer___. Press three to be taken off the list."

Nov 12: Recording of "Good news help is here" refinance scam

Woman's voice: "... homeowners. Good news. Help is here. The federal housing administration has just raised the mortgage loan limits. To make it possible for people to refinance their existing jumbo mortgages to a low thirty years(sic) fix(sic). It is for a limited time only, so you need to act now to take advantage of this special offer. Regardless of your credit scores or financial situation, we can help you to get qualified and lock in this low FHA rate. Please press one to speak to one of our specialists. Or press two to be deleted from our marketing list."

Nov 12: Recording of "Heather" at "account services" scam and harassment

Woman's voice: "Hello. This is Heather at account services. And we're calling in reference to your current credit card account. There's no problems currently with your account. It is urgent however that you contact us concerning your eligibility for lowering your interest rate. To as little as six point nine percent. Your eligibility expires shortly. So please consider this your final notice. Please press one now on your phone to speak with a live operator and lower your interest rate. Or press two to discontinue further notices. Thank you and have a great day."

Woman's voice: "Hello. This is Heather at account services. And we're calling in reference to your current credit card account. There's no problems currently with your account. It is urgent however that you contact us concerning your eligibility for lowering your interest rate. To as little as six point nine percent. Your eligibility expires shortly. So please consider this your final notice. Please press one now on your phone to speak with a live operator and lower your interest rate. Or press two to discontinue further notices. Thank you and have a great day."

Woman's voice: "Hello. This is Heather at account services. And we're calling in reference to your current credit card account. There's no problems currently with your account. It is urgent however that you contact us concerning your eligibility for lowering your interest rate. To as little as six point nine percent. Your eligibility expires shortly. So please consider this your final notice. Please press one now on your phone to speak with a live operator and lower your interest rate. Or press two to discontinue further notices. Thank you and have a great day."

The recording played three times.

Tuesday, November 11, 2008

Nov 11: Miscellaneous crap

There was a live telemarketer asking for me by name. He did not identify why or who was calling.

Nov 11: Recording of "please listen carefully" automobile warranty scam with "third and final notice" lies

Woman's voice: "Please listen carefully to this important notice regarding your automobile. This is your third and final notice. That the factory warranty on your vehicle may have expired. And should be reactivated to protect you against the cost of repairs. If you have not responded to this notification, it's not too late. You are still eligible to reactivate warranty coverage. This is the final call before we close the file. Press one now to speak with an agent. To permanently remove your vehicle from eligibility for future coverage, press three now."

Nov 11: Recording of "public announcement" H.R.3221 scam

Woman's voice: "This is a public announcement regarding the American housing rescue and foreclosure prevention act HR three two two one for homeowners in mortgage distress because of high-rate adjustable loans. For information and eligibility on interest rate and loan amount reduction, press one on your phone now to be connected with a live counselor. To be removed from our list, please press two now. Again, to contact a counselor, press one now. Or to be removed, press two now, as our counselors will not be able to remove you from this list from this point on. Thank you."

Monday, November 10, 2008

Nov 10: Recording of "Eve" with yet another loan modification scam

Woman's voice: "Hi. This is Eve. You may be unaware that congress recently passed the emergency mortgage loan modification act of two thousand eight to provide safe harbor for Americans who seek to restructure their mortgage payment with their lenders. A mortgage loan modification can benefit a borrower that is currently unable to refinance, cannot afford the current mortgage payment by fixing a mortgage payment that was about to adjust or has adjusted, or reducing a consumer's current interest rate without refinancing to a payment they can afford. Many Americans have already enjoyed the benefits and long-term security a loan modification can bring. Simply put, the sole purpose of this piece of legislation is to make your loan more affordable, and keep Americans in their homes. Press one now to be connected to a loan modification specialist. Or press two to be added to our do not call list. Again, press one if you would like to get more information about how you can take advantage of this emergency legislation."

Nov 10: Recording of "public announcement" H.R.3221 scam

Woman's voice: "This is a public announcement regarding the American housing less(?) gin(?) foreclosure prevention act HR three two two one for homeowners in mortgage distress because of high-rate adjustable loans. For information and eligibility on interest rate and loan amount reduction, press one on your phone now to be connected with a live counselor. To be removed from our list, please press two now. Again, to contact a counselor, press one now. Or to be removed, press two now, as our counselors will not be able to remove you from this list from this point on. Thank you."

Nov 10: Recording of "Heather" at "account services" scam

Woman's voice: "Hello. This is Heather at account services. We're calling in reference to your current credit card account. There are no problems currently with your account. However. It is urgent that you contact us concerning your eligibility for lowering your interest rate. To as little as six point nine percent. Your eligibility expires shortly. So please consider this your final notice. Press one on your phone to speak to a live operator. Please press one now to lower your interest rate. Or press two to discontinue further notices. Thank you and have a nice day."

Friday, November 07, 2008

Nov 7: Recording of "Eve" with yet another loan modification scam

Woman's voice: "Hi. This is Eve. You may be unaware that congress recently passed the emergency mortgage loan modification act of two thousand eight to provide safe harbor for Americans who seek to restructure their mortgage payment with their lenders. A mortgage loan modification can benefit a borrower that is currently unable to refinance, cannot afford the current mortgage payment by fixing a mortgage payment that was about to adjust or has adjusted, or reducing a consumer's current interest rate without refinancing to a payment they can afford. Many Americans have already enjoyed the benefits and long-term security a loan modification can bring. Simply put, the sole purpose of this piece of legislation is to make your loan more affordable, and keep Americans in their homes. Press one now to be connected to a loan modification specialist. Or press two to be added to our do not call list. Again, press one if you would like to get more information about how you can take advantage of this emergency legislation."

Nov 7: Recording of a "public service message" scam from the "national health care association"

Woman's voice: "This is a public service message from the national health care association. We have found a health care program for a low as three dollars a day. This complete medical benefits program includes unlimited hospitalization, doctor visits, and hearing benefits. Plus people who call today receive free dental benefits, free vision benefits, and a generic prescription copay card for the entire family. At no additional fee. To speak to a health care specialist, please press one now. Again, to speak to a health care specialist, press one now. And your family can have this complete medical benefits savings program. Or if you'd like to be removed from our call list, press two. Thank you and have a great day."

Thursday, November 06, 2008

Nov 6: Recording of "Dave" with an "authorized Dish Network dealer" scam

Man's voice: "Hi. This is Dave calling with an authorized Dish Network dealer in your area. I'll get right to the point. If you feel like you've been paying too much every month, and getting very little for your cable TV, I have a great deal for you. We will give you free satellite TV equipment and installation for up to four rooms with the lowest and best monthly price in the country. Sign up today and we'll also give you a free two room DVR system, which will allow you to skip those annoying commercials and never miss your favorite TV show again. Lower prices, better channels, and better service for you and your family. Press one to hear more."

Nov 6: Recording of "This is a very important message about your current home loan" scam

Woman's voice: "This is a very important message about your current home loan. We have some great news for you. Right now, we are offering our customers a chance to lower their monthly mortgage payment and rate without having to refinance regardless of credit, income, late payment, or if you are facing foreclosure. This is a free approval process and only takes a couple minutes. To see what your new payment and rate would be, please press one now to speak with our customer benefits department. To not be contacted again about this special offer, please press two."

Some of the phrases seemed subtly off, as if they were spliced together from multiple recordings or maybe just some crap was spliced out. The end result is still crap.

Nov 6: Recording of "Kelly" at "credit card services" or "debt pros" scam

Woman's voice: "Hi. This is Kelly at credit card services. I'm calling with an important announcement about your credit card account. This is our third attempt at reaching you. Our records indicate that you have been overpaying interest. Right now, we have you qualified to reduce your interest payment. To as low as two point nine percent. And cut your monthly payments in half. If you want to cut your monthly payment, lower your interest rate, and consolidate to one monthly payment, press one now. Again, this is your final chance to participate. So press one now. Or press three to be removed."

Nov 6: Recording of "Jen" with satellite TV scam

Woman's voice: "Hi. This is Jen calling to set up delivery and installation of your new digital home satellite TV system. Because we're doing installations in your neighborhood right now, you can get free installation and a four room digital satellite TV system for free. This system also includes free DVR receivers. You know, like tivo? Which is awesome. To learn more, press one on your phone right now. This is by far the best deal, saving you on average over four hundred dollars per year compared to cable rates. Once again, to learn more and to be connected to one of our agents, press one on your phone right now."

Wednesday, November 05, 2008

Nov 5: Recording of "Heather" at "account services" scam

Woman's voice: "Hello. This is Heather at account services. We're calling in reference to your current credit card account. There are no problems currently with your account. However. It is urgent that you contact us concerning your eligibility for lowering your interest rate. To as little as six point nine percent. Your eligibility expires shortly. So please consider this your final notice. Press one on your phone to speak to a live operator. Please press one now to lower your interest rate. Or press two to discontinue further notices. Thank you and have a nice day."

Nov 5: Recording of "American Residential" warranty scam

Woman's voice: "Hello. If you own your own home, you need to protect it against all major appliance breakdown. American Residential can warranty everything including your heating and cooling systems, all your appliances, regardless of age, even pool room spas. Press one now to a warranty advisor. Your home is your most important asset. One breakdown can put you back thousands of dollars. Our plans have zero deductible and is never a service call charge. We have plans starting as low as nine ninety-five. Press one now to find out which plan works best for you. Or press two to be remove."

Tuesday, November 04, 2008

Nov 4: Miscellaneous crap

There was at least one hang up call with call-center background noise. Based on the date, it might have been a get-out-the-vote operation, but it might also have been a scam.

Nov 4: Recording of "Janet" from the "mortgage note department" scam

Woman's voice: "Hi, this is Janet from the mortgage note department. The federal government has asked lenders to work with their clients to help them save their homes and reduce their interest rates to a new low fixed rate. Press one now to speak with a specialist about this exciting news. Or press the nine key to be removed from our list. We're here to assist you with your mortgage payment modification. This is not a new loan, but a negotiation of your existing loan terms. Press one now to learn more. Or press the nine key to be removed. With a simple modification, you can get a lower payment, but keep your existing loan company. Especially if your loan has recently recasted to a higher interest rate, you may be eligible for this highly desired program. Press one now to speak with an associate. Or press the nine key for removal from our database. This is fast and easy, so press one to begin your modification. Please. Press one now. Or press nine to be removed. Press one to see about this simple change to your existing mortgage note. Press one now."

Nov 4: Recording of "don't be alarmed" credit scam with "this is your final notice" lies

Woman's voice: "Hello. Don't be alarmed. But this is your final notice for lower interest rates on your current account. This offer expires today. Press one and speak to your account manager and reduce your rate. Again, press one now. This is the last offer of the season. Or press two to discontinue further notices. Thank you and have a great day."

Monday, November 03, 2008

Nov 3: Recording of "don't be alarmed" credit scam with "this is your final notice" lies

Woman's voice: "Hello. Don't be alarmed. But this is your final notice for lower interest rates on your current account. This offer expires today. Press one and speak to your account manager and reduce your rate. Again, press one now. This is the last offer of the season. Or press two to discontinue further notices. Thank you and have a great day."

Nov 3: Recording of "please listen carefully" automobile warranty scam with "third and final notice" lies

Woman's voice: "Please listen carefully to this important notice regarding your automobile. This is your third and final notice. That the factory warranty on your vehicle may have expired. And should be reactivated to protect you against the cost of repairs. If you have not responded to this notification, it's not too late. You are still eligible to reactivate warranty coverage. This is the final call before we close the file. Press one now to speak with an agent. To permanently remove your vehicle from eligibility for future coverage, press three now."

Nov 3: Recording of "this is your captain speaking" scam

Man's voice: "Hello. This is your captain speaking. You will receive two free boarding passes for an all-inclusive cruise to Nassau, Bahamas in exchange for your answers to ten questions. This is a public opinion poll. The process is automated. Just press the keys on your telephone keypad for your answers. You will receive two free boarding passes for an all-inclusive cruise to Nassau, Bahamas when you're finished. This process only takes a minute. Press one to start the automated survey and receive two complimentary cruise passes."

"Don't miss the boat. Press one now."

The last time this recording called, which was three months ago, I pressed some numbers that made a recording say my phone number was removed from their system. Evidently that doesn't stop this fucking scam from eventually calling again.