SCAM! Totally FAKE "your personal/business/payday/VA/student loan, hardship loan, mortgage or home equity loan, debt relief, debt consolidation, tax debt, or government grant application has been pre-approved/approved or needs to be finalized" scam by criminals phoning from India. This is a massive fake financial services loan and debt collection scam by madarchod criminals calling from India, stealing your credit card numbers, Social Security number, bank account and personal information. There are thousands of these India scams where they pretend to be fake debt collectors threatening you for debts that you do not owe, offer to lower the interest rate on credit cards or a fake student loan that you do not have, offer you a fake home equity loan based on a request that you did not inquire about, consolidate all your credit cards and debts at 0% interest, or give you an unsecured $100,000 line of credit. This call may begin with a huge variety of pre-recorded messages generated using text-to-speech AI translation software to disguise the origin of this India scam. This scammer uses hundreds of fake company names, speaks your full name to try to gain your trust, and may falsely tell you that they previously mailed you a loan application or that you had previously applied for their loan. The scammer tells you that because of your good credit history, he can offer you lower interest rates on personal and business loans. He asks for your SSN "for verification purposes" and asks for your credit card or bank account number "so they can deposit your (fake) loan". Or the scammer says that to prove your credibility, you must first buy a prepaid gift card and give him the card number and PIN code. This India scammer also uses these same thousands of phone numbers to run many other scams including offers of fake Medicare, health insurance, auto insurance and car warranties, pretends to be debt collectors, pretends to be fake fundraisers collecting for various charities but they keep all charity donations for themselves, and impersonates Google, AT&T DirecTV or Comcast. About 57% of North America scam calls come from India, 22% from Philippines, 14% from China/Myanmar. Foreign scammers run thousands of fraud, extortion, 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, debt collector threatening you for fake unpaid bills, fake bank/financial/FedEx/UPS/DHL scams, posing as utility/phone/internet companies, 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, 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 scams, fake solar and home purchase offers, fake fundraisers asking for donations, fake phone surveys, and the scammers try to phish your financial and personal data. Indian scammers often rotate through fake tech support, fake auto-renewals/charges, fake pharmacy, many loan and tax/debt relief scams, and fake charity donation scams on the same day. Filipino scammers run many Social Security and Medicare identity theft, and auto/home/health/life insurance scams. Scammers use disposable VoIP phone numbers (e.g. MagicJack) and telecom software to spoof fake names and numbers on Caller ID. Scammers spoof thousands of fake 8xx toll-free numbers. CID is useless with scam calls unless the scam asks you to phone them back. CID area codes are never the origin of scam calls since scams use spoofed CID numbers from across the US/Canada, numbers belonging to unsuspecting people, invalid area codes, and fake foreign country CID numbers; e.g. fake women crying "help me" emergency scams spoof Mexico and Middle East CID numbers. Scammers often spoof the actual name and number of businesses such as banks to trick you into thinking the 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 Medicare or Social Security number; offers debt relief, loan services, Medicare assistance (people who are old or desperate in debt often fall for scams); offers a free gift/reward; threatens you with arrest/lawsuit; asks you to access a website, download a file, wire transfer money or buy prepaid debit/gift cards; claims your account is frozen or has suspicious activity; says a subscription is refunded or auto-renewed/auto-debited; and all recorded messages. Recordings are far more likely to be malicious scams and not just telemarketer spam. All unsolicited callers with foreign accents, usually Indian or Filipino, are mostly scams. No other countries are infested with phone room sweatshops filled with criminals. Most Filipino scammers speak better English than Indian scammers. Filipinos speak English with a subtle accent that may sound Hispanic. To hide their foreign origin, some India scammers use non-Indians in their phone room. Scams often falsely say that you previously contacted them or visited their website. Indian scammers play fake Amazon recordings. Amazon account updates are emailed, not robo-dialed. Many banks use automated fraud alert calls to confirm a suspicious purchase, but always call the number printed on your credit card to verify if the fraud alert is real or fake. Scammers impersonate phone/cable/internet companies, offering fake discounts or service upgrades. Indians impersonate the IRS and Social Security Administration. The IRS/SSA never make unsolicited calls and never threaten to arrest you; they initiate contact via postal mail. Real lawsuits are not phoned in, especially not using recorded threats lacking details; legal notices are mailed/couriered. The police, FBI, DEA never phone to threaten arrest; they show up in person with a warrant. Scammers try to gain your trust by saying your name when they call; your name, address, birthday are public data. Many scammers, especially female Filipinas, use "romance scam" tactics of sounding really friendly as if they are your best friend or lover to try to gain your affection and trust, hoping that you let your guard down so they can easily steal your identity and money. Scammers often play recordings speaking English, Spanish, or Chinese that is easily generated using text-to-speech AI translation software to disguise the origin of their overseas phone room. Some speech synthesis sound robotic, but most AI speech sound very realistic. Scammers often use interactive voice response (IVR) AI/NLP software that combines voice recognition with artificial intelligence, speaks English with American voices, and responds based on your replies. IVR calls begin with: "This is fake_name, I am a fake_job_title on a recorded line, can you hear me okay?"; or "Hi, how are you doing today?"; or "Hello? 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. One myth is that saying "yes" to IVR lets scammers use your voice sample for other scams. IVR understands basic replies and yes/no answers. To test for IVR, ask "Is the willy fuzzy box open?" since IVR cannot answer complex/odd questions. IVR usually transfers you to the scammer, but some scams entirely use IVR with the robot asking for your credit card or SSN. Phone/email scams share two common traits: the CID name/number and the "From:" header on emails are easily faked, and 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 will see you as fresh meat and prey on you even more. This is why some receive 40+ scam calls everyday while others get only 0 to 2 calls per week. If you provide your personal data to a phone scammer, lured by 80%-discounted fake drugs or fake loan and debt services, you receive even more phone scams and identity theft can take years to repair. Scammers often shout profanities at you. Google "Hindi swear words" and memorize some favorites, e.g. call him "Rundi Ka Beta" (son of whore) or call her "Rundi Key Betty" (daughter of whore). Scammers ignore the National Do-Not-Call Registry. Asking scammers to stop calling is useless. Scam recordings often tell you to press a keypad number to be placed on their Do-Not-Call list or to unsubscribe from their scam texts/emails, but those keypad commands are fake and they say that just to sound legit. Scammers often provide a toll-free callback number to look like a real business, but they regularly shed old callback numbers so you can never reach the scammers once you have realized that you were scammed. Scammers tell you their callback number just to gain your trust long enough to steal your identity and money and then they frequently switch to using new callback numbers. You do these scammers a favor by quickly hanging up. YOU SHOULD SCAMBAIT ALL SCAMMERS - slowly drag scammers along on the phone call, provide fake personal and financial 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.

February 17, 2026

SCAM! Totally FAKE "your personal/business/payday/VA/student loan, hardship loan, mortgage or home equity loan, debt relief, debt consolidation, tax debt, or government grant application has been pre-approved/approved or needs to be finalized" scam by criminals phoning from India. This is a massive fake financial services loan and debt collection scam by madarchod criminals calling from India, stealing your credit card numbers, Social Security number, bank account and personal information. There are thousands of these India scams where they pretend to be fake debt collectors threatening you for debts that you do not owe, offer to lower the interest rate on credit cards or a fake student loan that you do not have, offer you a fake home equity loan based on a request that you did not inquire about, consolidate all your credit cards and debts at 0% interest, or give you an unsecured $100,000 line of credit. This call may begin with a huge variety of pre-recorded messages generated using text-to-speech AI translation software to disguise the origin of this India scam. This scammer uses hundreds of fake company names, speaks your full name to try to gain your trust, and may falsely tell you that they previously mailed you a loan application or that you had previously applied for their loan. The scammer tells you that because of your good credit history, he can offer you lower interest rates on personal and business loans. He asks for your SSN "for verification purposes" and asks for your credit card or bank account number "so they can deposit your (fake) loan". Or the scammer says that to prove your credibility, you must first buy a prepaid gift card and give him the card number and PIN code. This India scammer also uses these same thousands of phone numbers to run many other scams including offers of fake Medicare, health insurance, auto insurance and car warranties, pretends to be debt collectors, pretends to be fake fundraisers collecting for various charities but they keep all charity donations for themselves, and impersonates Google, AT&T DirecTV or Comcast. About 57% of North America scam calls come from India, 22% from Philippines, 14% from China/Myanmar. Foreign scammers run thousands of fraud, extortion, 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, debt collector threatening you for fake unpaid bills, fake bank/financial/FedEx/UPS/DHL scams, posing as utility/phone/internet companies, 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, 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 scams, fake solar and home purchase offers, fake fundraisers asking for donations, fake phone surveys, and the scammers try to phish your financial and personal data. Indian scammers often rotate through fake tech support, fake auto-renewals/charges, fake pharmacy, many loan and tax/debt relief scams, and fake charity donation scams on the same day. Filipino scammers run many Social Security and Medicare identity theft, and auto/home/health/life insurance scams. Scammers use disposable VoIP phone numbers (e.g. MagicJack) and telecom software to spoof fake names and numbers on Caller ID. Scammers spoof thousands of fake 8xx toll-free numbers. CID is useless with scam calls unless the scam asks you to phone them back. CID area codes are never the origin of scam calls since scams use spoofed CID numbers from across the US/Canada, numbers belonging to unsuspecting people, invalid area codes, and fake foreign country CID numbers; e.g. fake women crying "help me" emergency scams spoof Mexico and Middle East CID numbers. Scammers often spoof the actual name and number of businesses such as banks to trick you into thinking the 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 Medicare or Social Security number; offers debt relief, loan services, Medicare assistance (people who are old or desperate in debt often fall for scams); offers a free gift/reward; threatens you with arrest/lawsuit; asks you to access a website, download a file, wire transfer money or buy prepaid debit/gift cards; claims your account is frozen or has suspicious activity; says a subscription is refunded or auto-renewed/auto-debited; and all recorded messages. Recordings are far more likely to be malicious scams and not just telemarketer spam. All unsolicited callers with foreign accents, usually Indian or Filipino, are mostly scams. No other countries are infested with phone room sweatshops filled with criminals. Most Filipino scammers speak better English than Indian scammers. Filipinos speak English with a subtle accent that may sound Hispanic. To hide their foreign origin, some India scammers use non-Indians in their phone room. Scams often falsely say that you previously contacted them or visited their website. Indian scammers play fake Amazon recordings. Amazon account updates are emailed, not robo-dialed. Many banks use automated fraud alert calls to confirm a suspicious purchase, but always call the number printed on your credit card to verify if the fraud alert is real or fake. Scammers impersonate phone/cable/internet companies, offering fake discounts or service upgrades. Indians impersonate the IRS and Social Security Administration. The IRS/SSA never make unsolicited calls and never threaten to arrest you; they initiate contact via postal mail. Real lawsuits are not phoned in, especially not using recorded threats lacking details; legal notices are mailed/couriered. The police, FBI, DEA never phone to threaten arrest; they show up in person with a warrant. Scammers try to gain your trust by saying your name when they call; your name, address, birthday are public data. Many scammers, especially female Filipinas, use "romance scam" tactics of sounding really friendly as if they are your best friend or lover to try to gain your affection and trust, hoping that you let your guard down so they can easily steal your identity and money. Scammers often play recordings speaking English, Spanish, or Chinese that is easily generated using text-to-speech AI translation software to disguise the origin of their overseas phone room. Some speech synthesis sound robotic, but most AI speech sound very realistic. Scammers often use interactive voice response (IVR) AI/NLP software that combines voice recognition with artificial intelligence, speaks English with American voices, and responds based on your replies. IVR calls begin with: "This is fake_name, I am a fake_job_title on a recorded line, can you hear me okay?"; or "Hi, how are you doing today?"; or "Hello? 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. One myth is that saying "yes" to IVR lets scammers use your voice sample for other scams. IVR understands basic replies and yes/no answers. To test for IVR, ask "Is the willy fuzzy box open?" since IVR cannot answer complex/odd questions. IVR usually transfers you to the scammer, but some scams entirely use IVR with the robot asking for your credit card or SSN. Phone/email scams share two common traits: the CID name/number and the "From:" header on emails are easily faked, and 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 will see you as fresh meat and prey on you even more. This is why some receive 40+ scam calls everyday while others get only 0 to 2 calls per week. If you provide your personal data to a phone scammer, lured by 80%-discounted fake drugs or fake loan and debt services, you receive even more phone scams and identity theft can take years to repair. Scammers often shout profanities at you. Google "Hindi swear words" and memorize some favorites, e.g. call him "Rundi Ka Beta" (son of whore) or call her "Rundi Key Betty" (daughter of whore). Scammers ignore the National Do-Not-Call Registry. Asking scammers to stop calling is useless. Scam recordings often tell you to press a keypad number to be placed on their Do-Not-Call list or to unsubscribe from their scam texts/emails, but those keypad commands are fake and they say that just to sound legit. Scammers often provide a toll-free callback number to look like a real business, but they regularly shed old callback numbers so you can never reach the scammers once you have realized that you were scammed. Scammers tell you their callback number just to gain your trust long enough to steal your identity and money and then they frequently switch to using new callback numbers. You do these scammers a favor by quickly hanging up. YOU SHOULD SCAMBAIT ALL SCAMMERS - slowly drag scammers along on the phone call, provide fake personal and financial 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.

February 17, 2026

800-213-5124 800-219-9042 800-227-3863 800-228-0442 800-230-1241 800-238-2727 800-238-2747 800-240-8151 800-245-7254 800-249-0647 800-256-0934 800-257-1620 800-261-6739 800-264-5654 800-266-6932 800-272-1514 800-279-9032 800-282-2881 800-282-7083 800-289-2647 800-289-8004 800-290-3079 800-292-7508 800-299-0523 800-310-5587 800-314-8231 800-320-0525 800-321-9637 800-325-3930 800-327-8543 800-331-8859 800-336-0958 800-339-0034 800-341-1437 800-342-5775 800-344-4124 800-346-0775 800-349-0151 800-351-9596 800-355-0610 800-373-0804 800-423-0896 800-424-9595 800-435-1415 800-446-8848 800-449-8767 800-453-2044 800-456-6622 800-463-3339 800-467-5654 800-477-4747 800-508-9404 800-530-3790 800-531-8722 800-536-1584 800-543-3562 800-555-0433 800-556-0573 800-562-6223 800-568-0156 800-592-1160 800-618-2247 800-624-7082 800-624-9066 800-638-1005 800-642-0895 800-656-2685 800-687-3016 800-713-0744 800-733-2767 800-735-1903 800-741-1969 800-745-0572 800-752-6633 800-752-8533 800-777-4001 800-780-6451 800-800-3599 800-800-4310 800-808-0037 800-828-7959 800-833-1292 800-845-6167 800-852-0411 800-863-7914 800-872-2625 800-874-5582 800-889-8740 800-897-6877 800-900-1364 800-900-1382 800-920-0482 800-922-0204 800-937-8997 800-942-3767 800-943-2189 800-947-5096 800-965-3611 800-967-8526 800-973-5402 800-978-5479 800-981-8898 800-984-4455 800-988-8019 800-997-9540 833-202-6241 833-212-6245 833-214-7630 833-270-4529 833-308-0105 833-353-0277 833-353-0291 833-381-6522 833-390-1995 833-391-3871 833-396-7900 833-414-1304 833-441-0296 833-453-3099 833-454-1202 833-454-1203 833-454-1206 833-454-1791 833-454-2344 833-456-8600 833-473-1561 833-476-1503 833-482-3070 833-482-4050 833-482-9070 833-522-2939 833-528-2785 833-531-1307 833-536-2372 833-545-0850 833-549-0783 833-549-0784 833-551-7030 833-562-0198 833-570-0032 833-570-0187 833-574-0734 833-574-1910 833-602-0327 833-619-8442 833-621-0717 833-627-8034 833-637-0667 833-640-7240 833-652-1590 833-655-0300 833-672-1962 833-685-2580 833-695-9500 833-727-0998 833-727-2082 833-733-1561 833-735-1894 833-743-0241 833-755-0348 833-755-2066 833-793-2634 833-798-9701 833-799-5189 833-862-0724 833-863-7794 833-869-0720 833-870-0553 833-876-0071 833-884-8591 833-885-2284 833-897-5541 833-897-5589 833-901-3217 833-907-1734 833-908-4040 833-910-0429 833-910-0446 833-914-0593 833-923-7336 833-932-2075 833-961-2532 833-965-1581 833-967-0721 833-967-0723 833-967-0726 833-967-0728 833-970-4140 833-976-0552 844-206-9035 844-245-2553 844-261-8535 844-352-5377 844-358-0642 844-371-8195 844-377-4136 844-406-0551 844-410-9154 844-422-0849 844-426-0484 844-426-9099 844-451-8682 844-465-1765 844-466-5519 844-473-9192 844-531-2348 844-541-0500 844-558-4089 844-558-4110 844-558-4154 844-558-4302 844-558-4358 844-604-1679 844-669-7908 844-691-0028 844-710-1758 844-722-2197 844-731-0859 844-755-3258 844-761-2026 844-761-2028 844-766-8319 844-802-9395 844-828-5347 844-833-1559 844-843-9155 844-853-6686 844-861-0110 844-866-7415 844-910-7634 844-920-4289 844-927-0314 844-937-4829 844-974-3800 844-984-2331 844-991-7634 855-200-2512 855-201-3714 855-204-9834 855-205-2780 855-211-1827 855-227-6331 855-231-2626 855-232-1588 855-237-2357 855-249-8237 855-250-4560 855-282-6353 855-283-3957 855-303-2381 855-330-8653 855-337-6884 855-341-0049 855-341-8640 855-419-2025 855-419-6713 855-419-7365 855-423-3729 855-428-3169 855-451-6753 855-452-7543 855-468-4418 855-479-4100 855-498-1490 855-522-4525 855-522-6929 855-531-3493 855-533-0068 855-563-5635 855-568-5351 855-615-4878 855-680-7473 855-688-4480 855-696-1259 855-707-7328 855-718-4624 855-726-2230 855-752-7019 855-755-0303 855-757-6923 855-758-5288 855-766-5473 855-767-9742 855-876-5380 855-913-5788 855-922-2821 855-935-1708 855-945-3576 855-951-3672 855-999-5522 866-209-3405 866-212-6611 866-213-7456 866-221-4081 866-225-2899 866-240-3227 866-242-0034 866-242-2720 866-242-3315 866-254-0497 866-258-1104 866-259-5318 866-274-4672 866-312-0185 866-316-2432 866-321-1493 866-321-8608 866-335-2304 866-341-5762 866-348-8192 866-364-8758 866-372-1816 866-403-5512 866-408-4070 866-411-7815 866-415-6840 866-419-9370 866-432-2854 866-437-2914 866-443-6286 866-452-1144 866-456-0677 866-491-7864 866-510-5671 866-518-6153 866-519-7641 866-523-9144 866-527-0007 866-529-9848 866-532-0423 866-535-9492 866-536-7304 866-544-3430 866-544-7927 866-545-9070 866-549-0819 866-559-6648 866-585-0861 866-592-2123 866-593-3926 866-596-5276 866-602-5998 866-613-2085 866-613-6855 866-613-6856 866-613-6857 866-615-6169 866-618-8686 866-625-1841 866-648-0478 866-652-2834 866-657-8605 866-674-6861 866-677-2706 866-685-0571 866-685-0908 866-703-4169 866-707-4595 866-712-0931 866-716-9061 866-716-9062 866-729-2722 866-735-9661 866-746-5501 866-771-1104 866-795-5107 866-796-1588 866-796-1592 866-801-4378 866-805-9500 866-831-8898 866-861-1120 866-868-5092 866-914-5806 866-932-5104 866-933-8135 866-947-6802 866-950-7780 866-963-1623 866-964-1391 866-978-1519 866-991-0391 866-991-7358 866-991-7360 877-201-1333 877-238-0807 877-251-9606 877-259-5780 877-260-3253 877-265-9912 877-280-1687 877-329-9029 877-374-4282 877-388-1687 877-388-1709 877-388-1711 877-394-5975 877-408-2964 877-408-3723 877-408-3818 877-408-3891 877-420-5095 877-428-0286 877-445-0070 877-453-8222 877-473-1842 877-487-5597 877-488-3538 877-488-3645 877-498-1024 877-505-6778 877-512-0352 877-513-3957 877-573-3342 877-575-8182 877-578-7552 877-589-5169 877-603-7164 877-613-7414 877-642-1554 877-647-8551 877-647-8552 877-689-8704 877-689-8725 877-698-3261 877-706-3553 877-722-3096 877-722-7299 877-766-8523 877-823-5399 877-831-2873 877-831-2874 877-836-5629 877-839-5166 877-876-8118 877-893-0165 877-923-2582 888-203-5087 888-206-3654 888-206-9728 888-222-4227 888-229-1903 888-236-5478 888-250-7027 888-266-2278 888-279-2148 888-279-2426 888-286-2835 888-295-7062 888-296-9476 888-311-9006 888-314-1875 888-335-7976 888-365-4442 888-370-9839 888-373-1969 888-393-7164 888-399-0860 888-419-2387 888-423-0900 888-443-9979 888-452-7566 888-462-0531 888-462-8161 888-469-4520 888-480-2432 888-483-0318 888-486-4722 888-492-7742 888-497-0470 888-506-5445 888-512-0982 888-544-2715 888-544-4877 888-611-6904 888-620-1251 888-627-4806 888-631-8960 888-651-6277 888-660-7427 888-670-1295 888-710-6818 888-752-1262 888-758-3993 888-774-8428 888-785-2471 888-805-5197 888-819-2135 888-841-6570 888-883-9833 888-884-4896 888-892-2253 888-899-6650 888-934-6489 888-959-7862 888-960-8063 888-963-1379 888-997-2019 888-999-1763

February 17, 2026