How can I complain? Because I have a load of complaints for each of those companies, and I want to turn them in to the FCC for spoofing their Caller ID, which is illegal.
No? Crickets?
The sole and only weapon we have is to waste the time of the call center people. In at least some of the "Rachel from Cardholder Services" calls, the call center people are in on the scam - they collect credit card number, last 4 of social, CVV and ZIP code of billing address, which is more than enough to use the credit card number without the cardholder's knowledge. In summary, they deserve what they get, and they know it.