Totally FAKE "your personal/business/payday/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 the Philippines. This is a massive fake financial services loan scam by Puta'ng Ina Ka criminals calling from the Philippines, stealing your credit card numbers, Social Security number, bank account and personal information. There are thousands of these 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 translation software to disguise the origin of this Philippines 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 Filipino scammer also uses these same thousands of phone numbers to run many other scams including offering fake Medicare, health insurance, auto insurance and car warranties, pretends to be debt collectors, impersonates Google, AT&T DirecTV or Comcast, or pretends to be fake fundraisers collecting for various charities but they keep all charity donations for themselves. About 50% of North America scam calls come from India and 45% come from the Philippines. 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 panel and home purchase offers, fake fundraisers asking for donations, fake phone surveys, and the scammers try to steal your financial and personal data. Indian scammers often rotate through fake tech support, subscription auto-renewal, and fake pharmacy scams on the same day. Filipino scammers run many auto/home/health/life insurance, Social Security and Medicare identity theft, loan and tax/debt relief scams, and fake charity donation scams. Scammers use disposable VoIP phone numbers (e.g. MagicJack) or they spoof fake names and numbers on Caller ID. Anyone can use telecom software to phone with a fake CID name/number. 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 and 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 phone numbers 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 are often scam targets); 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. Filipino scammers tend to speak better English than Indian scammers. Filipinos speak English with a subtle accent that may sound Hispanic. 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. Scammers often play recordings speaking English, Spanish, or Chinese that is easily generated using text-to-speech translation software to disguise the origin of their overseas phone room. Some speech synthesis sound robotic, but most AI-speech sound very realistic. To hide their foreign origin, some India scammers use non-Indians in their phone room. Scammers often use interactive voice response (IVR) AI 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. IVR robots understand basic replies and yes/no answers. To test for IVR, ask "How is the weather there?" since IVR cannot answer complex questions. 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 IVR calls record you saying "yes" so scammers can authorize purchases just using your "yes" reply, but scammers need more than just a recorded "yes" voice sample from you. 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 fake 80%-discounted drugs or fake loan and debt services, you receive even more phone scams and identity theft can take years to repair. Most unsolicited calls are scams, often with Indian or Filipino accents. No other countries are infested with phone room sweatshops filled with criminals. Scammers often shout profanities. Just laugh at their abusive insults. Google "Hindi swear words" and memorize some favorites, e.g. call him "Randi Ka Beta" (son of whore) or call her "Randi Ka 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 look 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 regularly discard callback numbers and get new ones. 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.

July 1, 2024

Totally FAKE "your personal/business/payday/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 the Philippines. This is a massive fake financial services loan scam by Puta'ng Ina Ka criminals calling from the Philippines, stealing your credit card numbers, Social Security number, bank account and personal information. There are thousands of these 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 translation software to disguise the origin of this Philippines 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 Filipino scammer also uses these same thousands of phone numbers to run many other scams including offering fake Medicare, health insurance, auto insurance and car warranties, pretends to be debt collectors, impersonates Google, AT&T DirecTV or Comcast, or pretends to be fake fundraisers collecting for various charities but they keep all charity donations for themselves. About 50% of North America scam calls come from India and 45% come from the Philippines. 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 panel and home purchase offers, fake fundraisers asking for donations, fake phone surveys, and the scammers try to steal your financial and personal data. Indian scammers often rotate through fake tech support, subscription auto-renewal, and fake pharmacy scams on the same day. Filipino scammers run many auto/home/health/life insurance, Social Security and Medicare identity theft, loan and tax/debt relief scams, and fake charity donation scams. Scammers use disposable VoIP phone numbers (e.g. MagicJack) or they spoof fake names and numbers on Caller ID. Anyone can use telecom software to phone with a fake CID name/number. 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 and 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 phone numbers 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 are often scam targets); 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. Filipino scammers tend to speak better English than Indian scammers. Filipinos speak English with a subtle accent that may sound Hispanic. 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. Scammers often play recordings speaking English, Spanish, or Chinese that is easily generated using text-to-speech translation software to disguise the origin of their overseas phone room. Some speech synthesis sound robotic, but most AI-speech sound very realistic. To hide their foreign origin, some India scammers use non-Indians in their phone room. Scammers often use interactive voice response (IVR) AI 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. IVR robots understand basic replies and yes/no answers. To test for IVR, ask "How is the weather there?" since IVR cannot answer complex questions. 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 IVR calls record you saying "yes" so scammers can authorize purchases just using your "yes" reply, but scammers need more than just a recorded "yes" voice sample from you. 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 fake 80%-discounted drugs or fake loan and debt services, you receive even more phone scams and identity theft can take years to repair. Most unsolicited calls are scams, often with Indian or Filipino accents. No other countries are infested with phone room sweatshops filled with criminals. Scammers often shout profanities. Just laugh at their abusive insults. Google "Hindi swear words" and memorize some favorites, e.g. call him "Randi Ka Beta" (son of whore) or call her "Randi Ka 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 look 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 regularly discard callback numbers and get new ones. 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.

July 1, 2024

800-955-6600 703-255-8062 888-992-4573 877-613-7414 301-307-2597 866-849-5186 833-554-2253 309-305-3188 866-532-0423 720-456-3718 202-217-1482 888-934-6489 614-212-5140 877-836-5629 202-970-1523 866-716-9062 312-818-5250 781-202-2833 800-710-1892 800-897-6877 240-848-7403 385-261-7142 202-559-5259 877-647-8552 801-438-8743 800-946-0332 877-394-5975 888-892-2253 612-815-8004 312-219-8722 866-796-1588 866-680-8628 844-789-1787 866-593-3926 800-828-0146 713-696-5500 906-205-2011 866-890-3387 866-893-4396 609-473-1218 510-392-3027 877-306-7586 866-203-6368 614-729-6814 908-829-0335 832-684-9631 855-844-0114 833-697-5941 303-242-3251 800-321-9637 855-282-6353 866-292-0418 855-419-7365 205-272-5018 507-419-2895 866-458-7688 646-506-3743 866-716-9061 413-848-4693 754-432-8290 214-273-2106 713-344-9784 866-529-9848 800-618-2247 800-531-8722 833-657-0602 877-330-0017 800-727-1167 866-914-5806 866-362-6647 877-823-5321 833-657-0579 877-329-9029 513-831-2600 888-238-1408 978-622-0610 805-834-8446 210-248-1444 844-691-0028 866-335-9404 888-544-2715 800-386-9272 800-314-8231 512-876-2094 877-671-7416 866-408-4070 272-202-7300 432-729-6885 773-232-9509 888-279-2426 225-207-8008 817-786-6703 877-408-5379 866-341-5762 508-929-1300 208-719-3274 302-927-3338 469-283-2261 800-750-6343 585-559-5896 833-659-0386 888-929-2460 430-703-9289 888-344-6710 210-202-4339 800-752-8533 877-271-3082 888-682-8454 833-456-8600 281-716-9800 866-452-1144 855-306-6998 833-736-1351 858-251-1550 866-523-9144 800-483-8314 771-223-4849 866-403-5512 877-487-5597 512-706-6041 833-710-1021 866-831-8898 254-269-4019 877-698-3261 888-998-3342 877-689-8704 877-823-5399 205-334-3326 708-777-3959 843-702-1597 833-659-0387 800-586-0286 844-843-9155 208-719-3266 800-894-8562 866-822-6675 855-696-1259 800-574-7000 518-989-0857 888-992-9034 844-206-9035 800-823-2318 833-907-1734 866-519-7641 209-896-8148 202-499-3650 956-338-1965 978-444-5700 551-362-4029 205-451-0750 404-595-6234 833-570-0162 866-808-3556 866-321-1493 866-796-1592 412-506-9160 866-456-0677 440-375-3602 903-623-1369 833-221-1584 469-296-3420 800-780-6451 505-253-0594 833-345-2371 903-214-7403 833-735-1894 410-237-7395 888-668-6115 888-660-7427 336-589-6630 866-580-8753 346-299-7646 855-581-1994 877-895-1316 582-203-7446 605-309-7951 619-937-3483 979-360-8635 833-528-2785 800-289-8004 434-263-2042 843-702-1596 828-203-8004 901-440-1454 866-254-0497 772-356-5876 888-578-9879 346-319-2222 877-488-3538 844-920-4289 432-685-7508 877-647-8551 877-689-8725 866-242-3315 866-902-4377 513-707-6993 614-758-2344 469-272-8876 978-547-2104 888-842-6328 866-686-3653 800-327-8543 801-438-8160 866-228-5970 888-660-5890 864-743-0988 888-609-0793 844-306-4159 877-431-0590 315-639-7454 210-201-7341 843-883-2246 469-444-7349 888-402-0030 833-700-2510 833-856-0293 855-626-2321 800-903-4697 888-566-9745 800-860-0644 617-581-1030 833-600-1042 833-670-3482 844-349-2215 740-318-7334 844-853-6686 833-695-9500 903-626-7382 866-535-9492 405-353-7121 888-578-6809 800-543-3562 800-638-1005 800-272-1514 502-632-4278 888-895-5705 469-915-9533 229-290-7973 254-267-8889 844-417-2180 833-985-2022 845-751-3932 800-317-0023 254-737-8605 781-694-9000 800-241-0013 410-635-1909 229-212-3174 866-216-1905 708-360-4059 771-223-4825 844-380-4510 866-613-6855 877-488-3645 844-451-8682 903-626-7081 225-501-8428 833-366-0127 855-996-5435 833-574-0734 870-444-3050 773-639-1690 833-834-0063 443-578-4052 830-830-5053 656-236-9376 980-580-7818 602-609-6966 720-728-3204 833-417-2664 866-437-2914 888-994-2320 321-319-2383 866-596-5276 346-347-7963 855-420-7900 866-595-6701 844-863-7350 877-469-6548 866-615-6319 918-283-7134 888-843-9802 800-852-0411 833-733-1541 612-815-8611 201-473-5358 315-302-5735 203-403-4963 469-205-7366 855-696-1298 239-251-0111 888-819-2135 800-545-1256 806-224-0560 833-489-1369 978-216-0773 866-293-0076 866-322-5258 530-883-8830 877-894-8463 844-304-3801 774-389-4809 833-467-1968 943-204-8168 361-223-6184 972-375-0557 417-316-6699 833-417-2640 888-423-0900 217-293-8127 501-478-2138 855-678-6248 681-238-1980 239-251-4350 301-966-0271 681-222-7891 850-252-4641 855-328-0808 772-356-5763 800-342-5775 848-377-1751 866-368-1563 339-230-8409 888-578-7151 205-451-0859 443-643-0693 866-767-2593 888-984-0778 859-219-8736 254-274-0192 727-371-1484 888-469-4520 205-451-0370 580-232-3020 877-351-7469 405-252-2126 877-526-2204 888-342-4180 407-206-2118 727-349-1561 855-922-0774 986-202-0414 800-828-7959 469-283-2260 888-250-2789 833-697-6083 979-797-2452 385-297-0436 502-785-2956 978-552-6118 833-454-2344 866-285-5312 866-482-3084 833-970-4140 888-299-6428 980-227-4090 715-898-8014 205-510-7151 888-716-8413 855-707-7328 855-451-6753 888-244-0151 800-292-7508 888-578-7635 866-991-7360 855-308-1886 213-221-0786 518-535-0400 225-508-3176 317-805-9137 385-537-0920 833-890-0526 800-878-0901 888-545-0401 888-611-6904 855-249-8237 800-735-1903 866-295-8602 202-459-9831 833-537-7634 888-431-5114 214-550-7495 833-684-0593 844-595-3399 740-242-1517 800-321-0591 888-497-5689 941-205-1837 718-635-5350 707-406-6262 920-397-4335 866-491-7864 800-499-0309 800-211-9625 239-356-8843 301-301-5491 978-622-0589 866-417-5778 771-209-6891 701-248-6989 617-581-1902 800-391-6182 220-400-2484 786-532-1780 833-602-0327 800-298-3706 971-217-9927 866-947-6802 877-888-4623 888-417-5929 888-247-8385 615-241-6773 620-561-8570 833-202-0360 804-508-7200 210-948-0217 404-836-6332 901-440-1446 612-662-4019 346-326-1183 866-430-6105 866-993-1850 737-437-7738 800-238-2727 813-725-3719 210-531-8722 346-537-0163 325-309-3138 866-677-2706 928-267-3821 844-368-4396 919-646-8583 956-758-5680 866-395-7475 928-264-6626 314-722-2774 800-468-9868 843-481-4399 888-544-4877 800-634-7404 770-884-4196 833-887-0538 904-478-5274 407-545-6393 803-619-1411 800-837-4966 256-406-2134 215-515-1860 603-257-9012 866-974-1248 844-659-7004 346-398-0779 866-245-8215 800-984-4455 833-395-2329 201-285-5289 833-932-2075 346-636-7294 833-275-2038 888-279-2148 800-943-2189 480-550-3223 877-581-5373 332-267-8807 469-915-3522 505-253-0583 800-903-7696 239-662-1442 716-403-2199 210-255-3204 231-201-5416 866-950-7780 731-290-9029 800-941-0164 314-416-1300 844-472-8791 833-670-3484 916-800-1098 630-214-1292 409-407-4011 256-934-2981 833-454-2956 800-263-5191 262-328-8411 689-986-0860 866-376-7601 518-535-0400 910-636-1151 762-246-2198 855-562-6060 206-944-1866 210-239-8882 833-454-0885 206-922-0880 800-845-6167 833-453-3104 929-201-5088 877-910-0501 830-341-6319 866-518-6153

July 1, 2024