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May 16, 2023
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Fake Midland Credit, Genesis Credit, Credence, Comenity Bank, Synchrony Bank, Recovery Services, Discover Financial, Capital One, PayPal, American Express, Chase Bank, Bank of America, Transworld Systems (or another fake or real credit agency or bank name) phantom debt collection scam by madarchod criminals phoning from India This is what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a debt collector, bank or credit agency, billing department, lawyer, or law enforcement and threatens to sue or arrest you using lies, harassment, and intimidation to collect on fake debts that you do not owe. The India scammer asks for you by your name in order to sound like a personal phone call to gain your trust, but they are auto-dialing thousands of numbers. The scammer may say "I am calling on a recorded line" just to sound official, but it is fake! The scammer either mentions an unpaid debt and past due amount that must be paid immediately or says that they have frozen your account due to fraudulent activity. The scammer then asks for your online banking login credentials, Social Security number and date of birth "for verification purposes", and either tells you that you can settle the debt by paying with a credit card or demands that you wire transfer the payment for the fake debt or asks for your bank account/routing number. More than 95% of North America phone scams come from India scammers who operate hundreds of fraud, extortion, and money laundering scams every day such as posing as a fake pharmacy; fake Social Security officer saying your benefits are suspended; IRS officer collecting on fake unpaid back taxes; bill collector threatening you for fake unpaid debts; fake bank, financial, Fedex/UPS/DHL scams; pretending to offer fake health insurance, car warranty, student loan forgiveness, credit card and debt consolidation services; posing as Amazon to falsely say an unauthorized purchase was made to your credit card or your Prime membership was auto-debited from your bank; posing as Microsoft/Dell/HP/Apple to say your account has been hacked or they detected a virus on your computer; fake "we are refunding your money" or "your account has been auto-debited" scams; fake Google/Alexa listing and work-from-home scams; posing as an electric utility or Verizon/AT&T/Comcast to say your service is suspended; fake solar panel and home purchase offers; fake fundraisers asking for donations; fake phone surveys; and the scammers try to steal your credit card, bank account/routing number, Social Security number, and personal information. One India call center may rotate through a fake Social Security, computer subscription auto-renewal, pharmacy, and credit card offer scam during one week. Scammers use disposable VoIP phone numbers (e.g. MagicJack devices) or they spoof fake Caller ID phone numbers. Anyone can use telecom software or a third-party service to phone using fake CID names/numbers. India scammers often spoof fake "8xx-" toll-free numbers. The CID is useless with scam calls unless the scam asks you to phone them back and the CID area code is almost never the origin of the call. You waste your time researching CID numbers since scams use spoofed CID numbers from across the U.S. and Canada, totally invalid area codes, and also fake foreign country CID numbers; e.g. fake women crying "help me" emergency scams from India often spoof Mexico and Middle East CID numbers. India scammers also spoof the actual phone numbers of businesses such as Apple, Verizon, and U.S. banks to trick you into thinking that a call is valid. How can you avoid being scammed by phone calls? NEVER trust any unsolicited caller who sells something (most unsolicited calls are scams so your odds of saving money are very poor); asks for your Social Security number; offers a free gift or reward; threatens you with arrest/lawsuit or says you need to reply back soon (pressure tactic); asks you to access a website, download a file, wire transfer money or buy gift cards; claims suspicious activity on your account; says your subscription is being refunded or auto-renewed/auto-debited; and all pre-recorded messages. Recorded messages are far more likely to be malicious scams, and not just telemarketing spam. Any unsolicited caller with a foreign accent, usually Indian, should immediately be treated as a scam. Many scams tell a lie that you inquired about a job, insurance, social security benefits, or that you contacted them or visited their website. A common India phone scam uses a fake Amazon recording about a purchase of an iPhone, but Amazon never robo-dials and Amazon account updates are notified in emails. Many banks use automated fraud alert phone calls to confirm a suspicious purchase, but always verify the number that the recording tells you to phone or just call the number printed on your credit card. A common India scam tactic asks for your credit card for purchase of their fake product or service. The scammer calls you back one day later to say their credit card machine is broken, so you must wire transfer the payment to them. After you have wired the money to them, they still overcharge your credit card after they change phone numbers, so they have robbed you twice before disappearing. Wire transfers laundered through foreign bank accounts are untraceable. Scammers try to gain your trust by saying your name when they call, but the autodialer is automatically displaying your name to the scammer or saying your name in a recording when your number is dialed using phone databases that have millions of names and addresses. Scammers often phone with an initial pre-recorded message speaking English, Spanish, or Chinese that is easily generated using text-to-speech translation software to disguise the origin of their India phone room, but then you speak to the scammer when you press 1 or call them back. Some speech synthesis software sound robotic, but others sound natural. To hide their foreign accents, some India scammers use non-Indians in their phone room. India scammers use interactive voice response (IVR) robotic software that combines voice recognition with artificial intelligence, speaks English with American voices, and responds based on your replies. IVR calls begin with: "Hi, this is fake_name, I am a fake_job_title on a recorded line, can you hear me okay?"; or "Hi, this is fake_name, how are you doing today?"; or "Hello? (pause) Are you there?"; or "Hi, may I speak to your_name?" IVR quickly asks you a short question to elicit a yes/no reply so it hangs up if it encounters voicemail. IVR robots understand basic replies and yes/no answers. To test for IVR, ask "How is the weather over there?" since IVR cannot answer complex questions and it keeps talking if you interrupt it in mid-sentence. IVR usually transfers you to the scammer, but some scams entirely use IVR with the robot asking for your credit card or SSN. A common myth is that IVR calls record you saying "yes" so scammers can authorize purchases just using your "yes" voice, but scammers need more than just a recorded "yes" from you - credit cards and SSN. Phone/email scams share two common traits: 1) The CID name/number and the "From:" header on emails are easily faked; and 2) The intent of scam calls is malicious just as file attachments and website links on scam emails are harmful. Scams snowball for many victims. If your personal/financial data are stolen, either by being scammed, visiting a malicious website, or by a previous data breach of a business server that stores your data, then your data gets sold by scammers on the dark web who then see you as fresh meat and prey on you even more. This is why some receive 40+ scam calls everyday while others get 0 to 2 calls per day. If you provide your personal and financial data to a phone scammer, lured by fake 80%-discounted drugs or scared by fake IRS officers, you receive far more phone scams and identity theft can take years to repair. Most unsolicited calls are scams, often with an Indian accent. No other country is infested with pandemics of phone room sweatshops filled with criminals who belong to the lowest India caste and many are thieves and rapists who were serving jail time but released early due to prison overcrowding. India scammers shout profanities at you. Just laugh at their abusive language. Google "Hindi swear words" and memorize some favorites, e.g. call him "Rundi Ka Bacha" (son of whore) or call her "Rundi Ki Bachi" (daughter of whore). Scammers ignore the National Do-Not-Call Registry; asking scammers to stop calling is useless. You do these scammers a favor by quickly hanging up. But you ruin their scams when you slowly drag them along on the phone call, always give them fake personal and credit card data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said to waste their time and energy.
July 27, 2020
debt
July 9, 2020
Midland credit
April 15, 2020
String 4.9 Location: ???? [Vex constructed prison of some sort?] Day 5 "I wonder why they allowed you to keep your weapons," the ghost said to its hunter, MLGesus[_13] as they wandered the tunnels of the vast prison. "There will be enemies... mayhaps," replied the hunter. | And then they came upon a great room. | "This looks just like the Tribute Hall Calus created!" the hunter exclaimed. "It's just a little... different. And way taller to showcase that giant statue at the end?" Throughout the room, instead of the typical tributes, there were statues of guardians in various sizes. Some were as small as a coin. Most were life sized. The largest statue seemed to be roughly the same height as The Tower. MLGesus looked at a one of the coin sized statues. "This one is labeled TtoP-_-. Do you know any guardians by that name?" "I cannot say that I do," the ghost stated. "It says here, 'Most notable accomplishment: Assisted MLGesus and the accompanying fireteam by expelling five hydra during their raid in the Garden. Disappeared from the fireteam during the raid through capture. 51 days. E.C.' Wait, I am supposed to know this guy? I do not remember him at all." "What about this other one here, it's a little bit bigger." "'P3NC1LV3ST3R. Most notable accomplishment: guided MLGesus and the accompanying fireteam in ending Insurrection Prime. Disappeared from the fireteam after farewell through capture. 5 years, 42 days. E.C.' According to this description, I should know this person as well." "This one over here does not mention you at least," the ghost used a laser to point to a life sized guardian. "Lycantheropa. Most notable accomplishment: defeated 403 Vex during a single offensive. Disappeared after the accomplishment while leaving to orbit. 10 years. E.C." "Okay, so what about the giant one at the end?" As the hunter walked towards the formidable statue, the features made sense as he had gathered the theme of the room. He looked up at the statue's helmet, down to the cloak, the armor... the pants, "'MLGesus_13. The Beast. The Vex Slayer. Library Lookup code P 5-001. Disappeared from Project Dreaming City 2.0 through capture. 5 Days Ongoing. Processing.' Wow. They could not fit all of my accomplishments on a plaque so they just put in the code for how to look me up. That's fantastic." "MLGesus... I have been looking around. E.C. stands for 'Erasure Complete.' I think that's why we can't remember these other guardians." "Whoa. Interesting." "You're their biggest Tribute. And they're erasing you from history while you're down here. Those time stamps at the end of each of the descriptions also seem to be how long each of these guardians lasted. So, maybe that answers why they allowed you to keep your weapons..." "This is... dark. I admit, things are looking a little bleak."
October 13, 2019
Called me at 9:01am Sunday morning. I have stage 4 cancer and grow tired of endless phone calls w/o ever leaving message. I will never answer my 35 unknown calls I get somedays. I do return messages. Think about it.
October 13, 2019
I hope they all die from the most excruciating form of cancer.
October 13, 2019
please stop this call!
October 12, 2019
Unknown number, rejected call, search revealed plenty of SPAM information.
October 11, 2019
they have called me 6 times today, i am at work so i dont answer. they just keep calling
October 11, 2019
October 11, 2019
Scammers!
October 10, 2019
They call all day long and I’m on the do not call list
October 10, 2019