I had a very instructive conversation with them today. I pretended to look for my credit card but left them on speakerphone, and I could overhear the background conversation. A very rude and pushy individual was telling somebody something about a $690 fee to be applied to a credit card. This may be their scam. On the other hand, law enforcement could probably trace them through the bank through which this fee is processed if they try to collect it, so maybe their real agenda is to steal credit card numbers.
Insight into Rachel from Cardholder Services Scam