SCAM! FAKE phantom debt collection scam by madarchod criminals phoning from India. Federal Trade Commission calls this a phantom debt collection scam where the scammer pretends to be a bank (often impersonating Chase, Credit One, Comenity, Wells Fargo, Citibank, Bank of America, Capital One, American Express, US Bank, PNC, Discover, SoFi), PayPal/Venmo, Zelle, Affirm, ADT/Vivint (data breaches), hundreds of fake company names, "AR/BC/HC" scams (AR/ARC/A&R/BC/HC Recovery/Resources/Services, ARM Solutions, Rabinock Recovery), credit union, utility company, debt collector, 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. Debt collection scams are very common because many people carry debts, so it is easy for scammers to phish for gullible victims. The India scammer asks for you by name to sound like a personal phone call to gain your trust, but they are auto-dialing everyone. The scammer says "I am calling on a recorded line" just to sound official, but it is fake! The scammer/recording may say letters/documentation were mailed to you, but that is also 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 asks for your online banking login credentials, Social Security number and date of birth "for verification purposes", and says you can settle the debt by paying with a credit card, prepaid debit card, eBay gift card, or demands that you wire/ACH transfer payment, or asks for your bank account/routing number. The scammer may offer a "50% settlement deal" where "you only have to pay half" of your fake debt. Many Indian fake debt collector scams also use these same thousands of phone numbers to run many other scams including offers of fake Medicare, health insurance, auto insurance and car warranties, pretend to offer personal/business/payday/VA/student loans, hardship loans, mortgage or home equity loan, debt relief, debt consolidation, and fake tax debt assistance, pretend to be fake fundraisers collecting for various charities but they keep all charity donations for themselves, and they impersonate Google, DirecTV or Comcast. About 72% of North America scam calls come from India, 19% from Philippines, 3% 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 profanity at you. Google "Hindi swear words" and memorize some favorites; call him "Rundi Ka Beta" (son of whore) or 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, opt out, or unsubscribe from their scam texts/emails, but their keypad commands are fake, just to sound more legit. Scammers often provide a callback number to appear legit, but they quickly 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/money and then they frequently switch to new callback numbers. You do phone scammers a favor by quickly hanging up. YOU SHOULD SCAMBAIT ALL SCAMMERS - play along, slowly drag scammers on the call, provide fake personal/financial data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said, ask many questions that force them to go off script to drain their time and energy.

October 21, 2026

SCAM! FAKE phantom debt collection scam by madarchod criminals phoning from India. Federal Trade Commission calls this a phantom debt collection scam where the scammer pretends to be a bank (often impersonating Chase, Credit One, Comenity, Wells Fargo, Citibank, Bank of America, Capital One, American Express, US Bank, PNC, Discover, SoFi), PayPal/Venmo, Zelle, Affirm, ADT/Vivint (data breaches), hundreds of fake company names, "AR/BC/HC" scams (AR/ARC/A&R/BC/HC Recovery/Resources/Services, ARM Solutions, Rabinock Recovery), credit union, utility company, debt collector, 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. Debt collection scams are very common because many people carry debts, so it is easy for scammers to phish for gullible victims. The India scammer asks for you by name to sound like a personal phone call to gain your trust, but they are auto-dialing everyone. The scammer says "I am calling on a recorded line" just to sound official, but it is fake! The scammer/recording may say letters/documentation were mailed to you, but that is also 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 asks for your online banking login credentials, Social Security number and date of birth "for verification purposes", and says you can settle the debt by paying with a credit card, prepaid debit card, eBay gift card, or demands that you wire/ACH transfer payment, or asks for your bank account/routing number. The scammer may offer a "50% settlement deal" where "you only have to pay half" of your fake debt. Many Indian fake debt collector scams also use these same thousands of phone numbers to run many other scams including offers of fake Medicare, health insurance, auto insurance and car warranties, pretend to offer personal/business/payday/VA/student loans, hardship loans, mortgage or home equity loan, debt relief, debt consolidation, and fake tax debt assistance, pretend to be fake fundraisers collecting for various charities but they keep all charity donations for themselves, and they impersonate Google, DirecTV or Comcast. About 72% of North America scam calls come from India, 19% from Philippines, 3% 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 profanity at you. Google "Hindi swear words" and memorize some favorites; call him "Rundi Ka Beta" (son of whore) or 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, opt out, or unsubscribe from their scam texts/emails, but their keypad commands are fake, just to sound more legit. Scammers often provide a callback number to appear legit, but they quickly 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/money and then they frequently switch to new callback numbers. You do phone scammers a favor by quickly hanging up. YOU SHOULD SCAMBAIT ALL SCAMMERS - play along, slowly drag scammers on the call, provide fake personal/financial data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said, ask many questions that force them to go off script to drain their time and energy.

October 21, 2026

kollekturdz

August 18, 2025

debt collector

August 15, 2025

I intend to pay , just not now .Too much pressure.

August 1, 2025

Debt Collector automatic message

March 20, 2025

Sleep number bed

September 10, 2024

Block thus number pls

September 1, 2024

Credit for Veterinarian Care, Medical

June 18, 2024

Legitimate caller.

January 16, 2024

December 22, 2023

Scam

September 5, 2023

Two people talking, but somehow my phone got called.

May 30, 2023

Legit

January 31, 2023

I don’t own them a thing

January 20, 2023

CareCredit account

December 6, 2022

Bill Colector

November 26, 2022

Ty

November 17, 2022

nuisance calls

October 11, 2022

1zqjnn'"(){}<x>:/1zqjnn;9

September 10, 2022

September 3, 2022

garbage scammer

August 19, 2022

Unknown

June 13, 2022

Name is in correct should be Synchrony bank

April 29, 2022

Allow this caller

March 4, 2022

*

February 11, 2022

I will take these calls

February 3, 2022

Reference

February 2, 2022

I love RoboKiller

January 9, 2022

This app is a waste of data space you idiots

December 17, 2021

block all calls from this number

November 14, 2021

Draper, UT

October 27, 2021

Synchrony Bank

September 1, 2021

Calling at 8:00am not cool

August 29, 2021

Debt collector

June 6, 2021

im literally a minor, why would a bank be calling me. 😐

March 30, 2021

They are calling for my grandma not paying on a tv

January 24, 2021

Scam

October 2, 2020

Late payment

August 28, 2020

Wonderful Answer BOTS. Lee Tatum

July 6, 2020

Reminding me of payment

June 8, 2020

Synchrony Bank

May 8, 2020

Really one of my credit card companies call

May 7, 2020

Identified as “Spam Risk” on caller ID..

May 4, 2020

Do not block

April 29, 2020

Thought it was a bank. Name was "Synchrony"? Female replied to me by first name and when challenged she wanted to know if I had an online pharmacy? Don't most of us, my reply? She hung up then. I'll call pharmacy tomorrow and follow up. That was stupid. Don't answer until they do and use an accent.

April 25, 2020

No account or business with them.

April 22, 2020

Tried to get credit card number

April 21, 2020

Care credit

October 26, 2019

Synchrony Credit

October 26, 2019

Synchrony

October 11, 2019

Synchrony

September 17, 2019

Synchrony

September 12, 2019

Scam

August 1, 2019

Creditor

July 26, 2019

Valid caller

July 22, 2019

robot

June 20, 2019

Synchrony Bank

May 29, 2019

Kept saying Hello

May 19, 2019

Synchrony Bank

May 4, 2019

Synchrony Bank

April 3, 2019

Synchrony / La-Z-Boy

March 19, 2019

Who s****d people are you this is not Maria Gladys stop s****d s***!

March 18, 2019

Scychrony

January 21, 2019

Block

November 17, 2018