FTC Finally Stops (well, not really) The Most Annoying Robocallers Ever: “Rachel from Card Services”

According to the FTC, the agency has reached a settlement with the people behind the “Rachel from Card Services” robocalls. The individuals mentioned are Emory L. “Jack” Holley IV and Lisa Miller. Going after the source of these obnoxious robocalls was one the most useful activities of the FTC in 2013. Unfortunately, however, it didn’t work. I received a call from Rachel on December 16, 2013.


FTC’s announcement:

Final Six Defendants in ‘Rachel Robocall’ Scheme Settle FTC Charges – They Will Be Permanently Banned from All Telemarketing and Debt Relief Services – The final six of 10 defendants named in an alleged “Rachel from Cardholder Services” scam have agreed to settle Federal Trade Commission charges that they misled consumers with bogus claims that they would lower their credit card interest rates.The FTC settlement bans Emory L. “Jack” Holley IV, Lisa Miller, and the remaining corporate defendants from telemarketing and marketing debt relief services or assisting others in such conduct, prohibits them from misrepresenting any products or services, and imposes a partially suspended $11.9 million judgment. The FTC filed its complaint in this matter in October 2012, alleging that the defendants violated Section 5 of the FTC Act and the agency’s Telemarketing Sales Rule (TSR) by charging illegal up-front fees during telemarketing calls in which they made false promises to reduce the interest rate on consumers’ credit cards and save them thousands of dollars.”


  1. How did they get away with it for so long?
  2. Will they really stop?

Case Documents:


Rachel from Card Services is back at it as of December 16, 2013!


Call from Rachel from Card Services (December 16, 2013)


Filed under Uncategorized

2 responses to “FTC Finally Stops (well, not really) The Most Annoying Robocallers Ever: “Rachel from Card Services”

  1. Mark

    They have not stopped – they called my cell today 12/16, with the caller ID saying 785-446-8470 (you can Google it – many others called too). “Rachel” and her slimeball friends should all be in jail.

  2. I agree. Jail is the only answer at this point.

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