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(800) 903-3637 is a Scam Call

Alternately: +18009033637

Reported Name:

Credit Card Rate Reduction Scam

Reported Category:

Scam

User Reputation

Negative

RoboKiller Block Status

Blacklist

Last Call

June 3, 2020

Total Calls

364,313

Based On

16,272 user reports

Listen

Transcription

hello this is your final notice from cardmember services to get your interest rates reduced to as low as zero percent on your credit cards you've been pre-approved is a valued customer and eligible for debt and interest rate reduction on your existing credit card to speak to a live representative please press one now

The information on this site is based on available user feedback.

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115 user reports for (800) 903-3637

The comments below are user submitted reports by third parties and are not endorsed by RoboKiller.

April 19, 2020

block
Debt Collector

Fraud

April 17, 2020

block
Credit Card Offer

Not known

April 16, 2020

none
Credit Card Offer
Caller Name: Credit card scam

India scam.

April 9, 2020

block
Credit Card Offer

Credit card scam

April 7, 2020

block

Scam

April 7, 2020

block
Credit Card Offer

Scam call

April 3, 2020

none
Credit Card Offer

intrest rate reduction

March 23, 2020

Scam

Fake credit/loan or electric utility rebate savings scam by madarchod criminals phoning from India This is a fake credit services scam by criminals phoning from India, trying to steal your credit card numbers, Social Security number, date of birth, and personal information. There are hundreds of these India scams where they either pretend to be fake debt collectors threatening you for debts that you do not owe, offer to lower the interest rate on a fake student loan that you do not have, consolidate all your debts at 0% interest, or give you an unsecured $100,000 line of credit. This call begins with a pre-recorded robotic speaker who either says: "This call is from Lending Point, you have been approved for the personal loan, no upfront fees, no security deposit or processing charges, so call us back on our direct line number." or "This is the alert system with Visa Master Card Account Services with important changes to your account before the next billing cycle. Congratulations on your excellent payment history, you now qualify for a 0 percent interest rate on all your credit card accounts. This is a limited time offer and you must respond immediately. Press 1 now to speak to our qualification department and complete the enrollment process." or "This call is from Visa and Master Card Department on the behalf of credit bureau Experian, we are giving our honorable invaluable clients lower rates, also we will guarantee to save you a minimum of 2500 dollars in interest and finance charges, please press 1 and feel free to speak with your own accounts manager so they can activate lower rates." or "Hello, this is your final notice from Card Member Services to get your interest rate reduced to as low as 0 percent on your credit cards. You have been pre-approved as a valued customer and eligible for debt and interest rate reduction on your existing credit card. To speak to a live representative, please press 1 now." or "This call is from Cash Advance USA. You have been approved for a loan up to $15000, no upfront fees, no security deposit, or processing charges, so call us back." or "Based on your company's history and type of business, you are pre-qualified for an unsecured line of credit up to $100000. There is no credit report needed and there is no upfront fee." The robotic English message is generated using text-to-speech translation software to disguise the origin of this India scam. If you respond to the call, then you get transferred to the India scammer who tells you that because of your good credit history, he can offer you lower interest rates... he just needs all your credit card numbers and SSN "for verification purposes". This same scam center runs an electric utility rebate check scam where the call begins with a pre-recorded robotic speaker who either says: "This is an apology call from your electric utility. You got overcharged by your third party supplier. You will be receiving a rebate check along with a 30 percent discount on your electric and gas bill. Please press 1 to get a rebate check." or "This is your official notification since you have not missed any electric bill payments in the last 6 months, now you are eligible to get 20 to 25 percent savings on your electric and gas bills. Please press 1 to get your new discounted rates." Again with this fake electric rebate check or savings scam, the scammer tries to steal your credit card, Social Security number, and personal information. More than 95% of all North America phone scams originate from crowded phone rooms in India that rotate through hundreds of different fraud, extortion, and money laundering scams every day such as pretending to be a fake pharmacy, posing as fake Social Security officers saying your benefits are suspended, fake IRS officers collecting on fake unpaid back taxes, or fake bill collectors threatening you for fake unpaid debts, pretending to offer fake health insurance, car warranty, student loan forgiveness, credit card and debt consolidation services, posing as Amazon to falsely say that an unauthorized purchase was made to your account or that your Prime membership was auto-debited from your credit card or bank account, posing as Microsoft/Dell/HP/Apple to say that your software needs renewal or they detected a problem with 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, pretending to be a bank or Fedex/UPS/DHL, falsely stating that they installed ransomware virus on your computer and you need to pay them money, etc, fake fundraisers asking for charity donations, fake political and lifestyle phone surveys, and the scammers try to steal your credit card, bank account and routing number, or Social Security number and personal information. Many scammers try to gain your trust by asking for you by your name when they call, but the autodialer is just dialing thousands of phone numbers and automatically displaying your name when your number is dialed from a phone database that contains millions of names, numbers, and addresses in the U.S. Many India scammers phone you with an initial pre-recorded robotic person 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 India scammer when you take the bait and respond to the pre-recorded message. Some speech synthesis software sound very robotic, but others sound very natural. Scammers often either use disposable VoIP phone numbers (e.g. MagicJack devices) or they spoof fake Caller ID phone numbers. Anyone, including you, can use telecom software or a third-party service to phone using fake names and phone numbers that show up on Caller ID. India scammers often spoof fake toll-free Caller ID numbers that begin with "8". The Caller ID name and number is often useless with scam calls unless the scam setup asks you to phone them back and the Caller ID area code is almost never the area from which the scam call actually originated since many scams use fake Caller ID area codes from across the U.S. and Canada, totally invalid area codes, and also purposely faked foreign country Caller ID numbers (e.g. fake women crying "help me" emergency scams from India often spoof fake Mexico and Middle East Caller ID numbers). Some India scammers also spoof the actual real phone numbers of businesses such as Apple, Verizon, and U.S. banks so when you phone the number back, you realize that you were scammed from the spoofed Caller ID number of the actual business. How can you avoid being scammed by phone calls (and also emails)? Never trust any unsolicited caller or anyone who phones with any sales offer (most unsolicited sales calls are scams so your odds of saving money are very poor); offers of a "free gift"; legal or arrest threats (pressure tactic); callers or recordings who tell you to reply back within a few hours (pressure tactic); unsolicited callers who demand that you access a website, download a file, wire transfer money or buy gift cards immediately while they stay on the phone with you; claims of suspicious activity on an account; claims of refunds or auto-renewed/auto-debited accounts; and any pre-recorded messages. A common India scam calls you with a fake Amazon recording of a suspicous purchase of an iPhone, but Amazon never robo-dials you like this and Amazon account updates are communicated in emails. Many banks do use automated fraud alert phone calls to confirm a suspicious purchase, but always verify the number that the message tells you to phone or just call the number printed on the back of your credit card. Any unsolicited caller with a foreign accent (nearly always Indian) should immediately be treated as a scam until carefully proven otherwise. Many scams tell a lie that you recently inquired about a job, social security benefits, doctor appointment, insurance, or that you recently contacted them or visited their website, and they try to steal your personal information and SSN. To hide their foreign accents, some India scammers have now added non-Indians to their phone room and many India scammers begin the call using interactive voice response (IVR) robotic software that combines voice recognition with artificial intelligence, sounds incredibly human, speaks clear English with dozens of American voices, listens to your speech, and responds based on your replies. Four common IVR setups used by India scammers begin the call with either: (1) "Hi, this is (fake name), I am a (insurance, Medicare, Social Security disability benefits, awards, loan, vehicle warranty, vacation, prescription, debt collection, employment, etc) specialist on a recorded line, can you hear me okay?"; (2) "Hi, this is (fake name), how are you doing today?"; (3) "Hello? (pause) Are you there?"; or (4) "Hi, may I speak to (your name)?" Their personal introduction may vary, but most IVR scam calls immediately ask you a quick question to elicit a yes/no affirmation so it can quickly hang up if it encounters voicemail. The IVR robot can understand basic replies, yes/no/what? answers, and basic questions. To test for an IVR robot, ask them, "I am cooking right now, what is your favorite food?" If their reply does not make sense, then ask, "How is the weather over there?" A human scammer will think you are a friendly unsuspecting target and reply reasonably, but IVR software cannot answer complex off-topic questions. IVR robots also usually keep talking if you loudly try to interrupt them in mid-sentence. The IVR usually transfers you to the India scammer, but some phone scams entirely use IVR with the robot asking for your credit card or SSN. Phone and email scams share two common deceptions: (1) The Caller ID name/number and the "From:" header on an email can be totally fake, and the Caller ID is often spoofed using phone numbers of innocent people and businesses; and (2) The phone number and information on a scam phone call is malicious just as the file attachments and website links on a scam email are malicious. Always hover your mouse over links in email text to display the true destination and learn how to analyze raw email headers such as "Return-path:" and "Received:" which provides a trace of the servers that handled the email from its origin to your mail server (e.g. a true Amazon email will start from a domain name owned by Amazon). Phone and email scams snowball for many victims - if your personal or financial data are stolen, either through a phone or email scam, clicking on a malicious website, or by a previous data breach of a business server that stores your data, then your personal data gets shared and sold by scammers on the dark web who then see you as fresh meat and prey on you even more. That is one main reason why some people receive 40+ scam phone calls every day while others receive 0 to 2 scam calls per day. Credit card numbers sell for $5 to $20 on the dark web, bank account numbers and email passwords sell for as much as $500, and Social Security numbers sell for $1 to $10 just for the name with number or more than $300 if the SSN includes full name, address, date of birth, and drivers license information. India scammers do not care about the U.S. National Do-Not-Call Registry and asking scammers to stop calling has no effect. Many American telemarketers will honor your request to be removed from their phone database, but India scammers do not care. Some India scam recordings tell you to press a number to be placed on their do-not-call list, but that is a lie to make the scam sound like a valid business. A few India scammers even tell you that they will stop calling if you buy their fake insurance or fake drugs, which is laughably false. I love to play with these scammers and keep them on the phone by pretending to be interested in their scam. You do these scammers a favor by yelling at them and immediately hanging up since they shrug off all the profanities that they hear. But you ruin their scams by slowly dragging them along on the phone call, calling them back if their phone number can be phoned, pretending to be interested in their product or service, pretending that you are worried when they threaten you, always giving them fake credit card numbers and fake personal information, asking them to speak louder and to repeat what they said to use up more of their energy, pretending to innocently ask the scum why he is shouting profanities at me, etc. The best defense against phone scammers is a good offense by not quickly hanging up the phone, but instead toying with them for at least 10 or 20 minutes to use up more of their time and energy so they have less time to deceive an elderly victim. Scammers do not earn a fixed annual salary. If you waste their time while you continue to do other things, you make them poorer for sitting there trying to scam you. If you immediately hang up, their autodialer quickly connects them to another target victim. If the scam lets you phone them back (e.g. Social Security and IRS scams), do not just repeatedly phone them and start yelling, but scam the scammers by acting interested or concerned. Never give an unknown caller your credit card number or Social Security number. Companies who already have your information may ask for the last four digits for verification. Some India scammers ask for your bank account and routing number or ask you to wire transfer them a payment, giving a fake explanation that they cannot accept a credit card or personal check. Scammers can steal money if they know your bank account and routing number (e.g. counterfeit cashed checks) and wire transfers are far less traceable than unauthorized credit card charges. India scammers may threaten to have you arrested, but the IRS, SSA, and debt collectors cannot threaten to arrest or sue you on the phone; they are required to send you paper notices by registered mail. The police and FBI will never phone you and say that officers are coming to arrest you (many India extortions threaten to send officers); if the police really want to arrest you, they just show up with a warrant without phoning first. Some India scammers ask you to use your browser to visit a website that allows the scammer to directly access and control your computer and then they can install a ransomware virus to extort money from you, or they ask you to download a virus file to your computer. These same remote desktop websites are used by both legitimate technical support and India scammers to see and click on your screen. If the scam sounds very authentic, ask the scammer for their verifiable company name, street address, and a callback number that can be googled and matched to the company name and address, which all real businesses will provide. Every Indian scammer will immediately fail this test since they all use spoofed fake Caller ID numbers or VoIP numbers that they can quickly dispose of. Scams often prey on fear (you are going to be arrested or your account was hacked), ignorance (your fake account subscription was auto-renewed/auto-debited), or greed (that 80% savings on fake drugs or insurance, free Bahamas cruise, or 0%-interest loan is just a scam to steal money and identity theft data). If you are foolish enough to give your credit card or SSN to a random stranger to buy fake drugs, insurance, or loans, then you should blame yourself for being scammed. Most unsolicited calls are scams nowadays, usually with a very subtle to very thick Indian foreign accent, and most scam calls originate from India. No other foreign country is infested with pandemics of numerous noisy sweatshops filled with phone scam criminals who belong to the lowest India caste and many are thieves, robbers, and rapists who were serving jail sentences but released early due to prison overcrowding. Most India scammers are men, but many are women who also readily shout profanities and the cowards tell you that they will blow up your house (which is fake just like their scam). Just laugh at their abusive language. Google "Hindi swear words" and memorize some favorites to piss on these scammers, e.g. call him "Rundi Ka Bacha" (son of a whore) or call her "Rundi Ki Bachi" (daughter of a whore). But if you can spare at least 10 minutes, first scam the scammer before abusing them by sounding interested, asking them questions to keep them talking and having to think harder because they veer off their rehearsed script, do not overdo the acting, and feed them totally fake information (16 random digits starting with 4 for Visa and 5 for Master Card, when the scammer says the card does not work, ask them to repeat the number and try again, and then tell them "try my second card number", and then give them a third 16-random-digit number starting with 3 for Diners Club).

March 20, 2020

block
Get Rich Quick Scheme

Foreigner

March 18, 2020

allow

Thanks

March 17, 2020

block
Scam

About zero percent on all my credit

March 17, 2020

block

Credit card

March 14, 2020

block
Scam

Sounds like the same scumbag with other scams

March 12, 2020

block
Credit Card Offer

Credit card reduction scam

March 12, 2020

block
Credit Card Offer

Thank you for blocking them,waste of my time.

Retro

March 11, 2020

Scam
Caller Name: Capital Credit Card

Due to volume of robocalls that I receive and the utterly uselessness of my telephone carrier (Frontier Communications), I no longer answer my telephone. I let all calls go to voice mail. Today (03-11-20) I was called by 800-903-3637. The unwanted call left no message. I called the "800" number to discover that the call/caller is a credit card scheme designed to acquire my personal information. BLOCK THIS NUMBER!

March 10, 2020

block
Scam

scams

March 10, 2020

Scam

Fake "0 percent interest rate on all your credit card accounts" scam call by madarchod criminals phoning from India pretending to be Bank of America, Chase Bank, Citibank, or Wells Fargo. This is a fake credit services scam call by criminals phoning from India, trying to steal your credit card numbers, Social Security number, date of birth, and personal information. There are hundreds of these India scams where they either pretend to be fake debt collectors threatening you for debts that you do not owe, offer to lower the interest rate on a fake student loan that you do not have, consolidate all your debts at 0% interest, or give you an unsecured $100,000 line of credit. This call begins with a pre-recorded robotic speaker who pretends to be Bank of America, Wells Fargo, Chase Bank, Citibank, American Express, or a credit card service and tells you that you can reduce your credit card interest rates to as low as 0% interest. The robotic English message is generated using text-to-speech translation software to disguise the origin of this India scam. If you respond to the call, then you get transferred to the India scammer who may ask for you by your name to make the call sound like a personal phone call to gain your trust, but they are auto-dialing thousands of numbers. It is easy to acquire huge phone database listings of millions of names associated with phone numbers and addresses and have the autodialer display the name that is currently dialed. The scammer tells you that because of your good credit history, he can offer you lower interest rates... he just needs all your credit card numbers and SSN "for verification purposes". More than 95% of all North America phone scams originate from crowded phone rooms in India that rotate through hundreds of different fraud, extortion, and money laundering scams every day such as pretending to be a fake pharmacy, posing as fake Social Security officers saying your benefits are suspended, fake IRS officers collecting on fake unpaid back taxes, or fake bill collectors threatening you for fake unpaid debts, pretending to offer fake health insurance, car warranty, student loan forgiveness, credit card and debt consolidation services, posing as Amazon to falsely say that an unauthorized purchase was made to your account or that your Prime membership was auto-debited from your credit card or bank account, posing as Microsoft/Dell/HP/Apple to say that your software needs renewal or they detected a problem with 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, pretending to be a bank or Fedex/UPS/DHL, falsely stating that they installed ransomware virus on your computer and you need to pay them money, etc, fake fundraisers asking for charity donations, fake political and lifestyle phone surveys, and the scammers try to steal your credit card, bank account and routing number, or Social Security number and personal information. Many scammers try to gain your trust by asking for you by your name when they call, but the autodialer is just dialing thousands of phone numbers and automatically displaying your name when your number is dialed from a phone database that contains millions of names, numbers, and addresses in the U.S. Many India scammers phone you with an initial pre-recorded robotic person 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 India scammer when you take the bait and respond to the pre-recorded message. Some speech synthesis software sound very robotic, but others sound very natural. Scammers often either use disposable VoIP phone numbers (e.g. MagicJack devices) or they spoof fake Caller ID phone numbers. Anyone, including you, can use telecom software or a third-party service to phone using fake names and phone numbers that show up on Caller ID. India scammers often spoof fake toll-free Caller ID numbers that begin with "8". The Caller ID name and number is often useless with scam calls unless the scam setup asks you to phone them back and the Caller ID area code is almost never the area from which the scam call actually originated since many scams use fake Caller ID area codes from across the U.S. and Canada, totally invalid area codes, and also purposely faked foreign country Caller ID numbers (e.g. fake women crying "help me" emergency scams from India often spoof fake Mexico and Middle East Caller ID numbers). Some India scammers also spoof the actual real phone numbers of businesses such as Apple, Verizon, and U.S. banks so when you phone the number back, you realize that you were scammed from the spoofed Caller ID number of the actual business. How can you avoid being scammed by phone calls (and also emails)? Never trust any unsolicited caller or anyone who phones with any sales offer (most unsolicited sales calls are scams so your odds of saving money are very poor); offers of a "free gift"; legal or arrest threats (pressure tactic); callers or recordings who tell you to reply back within a few hours (pressure tactic); unsolicited callers who demand that you access a website, download a file, wire transfer money or buy gift cards immediately while they stay on the phone with you; claims of suspicious activity on an account; claims of refunds or auto-renewed/auto-debited accounts; and any pre-recorded messages. A common India scam calls you with a fake Amazon recording of a suspicous purchase of an iPhone, but Amazon never robo-dials you like this and Amazon account updates are communicated in emails. Many banks do use automated fraud alert phone calls to confirm a suspicious purchase, but always verify the number that the message tells you to phone or just call the number printed on the back of your credit card. Any unsolicited caller with a foreign accent (nearly always Indian) should immediately be treated as a scam until carefully proven otherwise. Many scams tell a lie that you recently inquired about a job, social security benefits, doctor appointment, insurance, or that you recently contacted them or visited their website, and they try to steal your personal information and SSN. To hide their foreign accents, some India scammers have now added non-Indians to their phone room and many India scammers begin the call using interactive voice response (IVR) robotic software that combines voice recognition with artificial intelligence, sounds incredibly human, speaks clear English with dozens of American voices, listens to your speech, and responds based on your replies. Four common IVR setups used by India scammers begin the call with either: (1) "Hi, this is (fake name), I am a (insurance, Medicare, Social Security disability benefits, awards, loan, vehicle warranty, vacation, prescription, debt collection, employment, etc) specialist on a recorded line, can you hear me okay?"; (2) "Hi, this is (fake name), how are you doing today?"; (3) "Hello? (pause) Are you there?"; or (4) "Hi, may I speak to (your name)?" Their personal introduction may vary, but most IVR scam calls immediately ask you a quick question to elicit a yes/no affirmation so it can quickly hang up if it encounters voicemail. The IVR robot can understand basic replies, yes/no/what? answers, and basic questions. To test for an IVR robot, ask them, "I am cooking right now, what is your favorite food?" If their reply does not make sense, then ask, "How is the weather over there?" A human scammer will think you are a friendly unsuspecting target and reply reasonably, but IVR software cannot answer complex off-topic questions. IVR robots also usually keep talking if you loudly try to interrupt them in mid-sentence. The IVR usually transfers you to the India scammer, but some phone scams entirely use IVR with the robot asking for your credit card or SSN. Phone and email scams share two common deceptions: (1) The Caller ID name/number and the "From:" header on an email can be totally fake, and the Caller ID is often spoofed using phone numbers of innocent people and businesses; and (2) The phone number and information on a scam phone call is malicious just as the file attachments and website links on a scam email are malicious. Always hover your mouse over links in email text to display the true destination and learn how to analyze raw email headers such as "Return-path:" and "Received:" which provides a trace of the servers that handled the email from its origin to your mail server (e.g. a true Amazon email will start from a domain name owned by Amazon). Phone and email scams snowball for many victims - if your personal or financial data are stolen, either through a phone or email scam, clicking on a malicious website, or by a previous data breach of a business server that stores your data, then your personal data gets shared and sold by scammers on the dark web who then see you as fresh meat and prey on you even more. That is one main reason why some people receive 40+ scam phone calls every day while others receive 0 to 2 scam calls per day. Credit card numbers sell for $5 to $20 on the dark web, bank account numbers and email passwords sell for as much as $500, and Social Security numbers sell for $1 to $10 just for the name with number or more than $300 if the SSN includes full name, address, date of birth, and drivers license information. India scammers do not care about the U.S. National Do-Not-Call Registry and asking scammers to stop calling has no effect. Many American telemarketers will honor your request to be removed from their phone database, but India scammers do not care. Some India scam recordings tell you to press a number to be placed on their do-not-call list, but that is a lie to make the scam sound like a valid business. A few India scammers even tell you that they will stop calling if you buy their fake insurance or fake drugs, which is laughably false. I love to play with these scammers and keep them on the phone by pretending to be interested in their scam. You do these scammers a favor by yelling at them and immediately hanging up since they shrug off all the profanities that they hear. But you ruin their scams by slowly dragging them along on the phone call, calling them back if their phone number can be phoned, pretending to be interested in their product or service, pretending that you are worried when they threaten you, always giving them fake credit card numbers and fake personal information, asking them to speak louder and to repeat what they said to use up more of their energy, pretending to innocently ask the scum why he is shouting profanities at me, etc. The best defense against phone scammers is a good offense by not quickly hanging up the phone, but instead toying with them for at least 10 or 20 minutes to use up more of their time and energy so they have less time to deceive an elderly victim. Scammers do not earn a fixed annual salary. If you waste their time while you continue to do other things, you make them poorer for sitting there trying to scam you. If you immediately hang up, their autodialer quickly connects them to another target victim. If the scam lets you phone them back (e.g. Social Security and IRS scams), do not just repeatedly phone them and start yelling, but scam the scammers by acting interested or concerned. Never give an unknown caller your credit card number or Social Security number. Companies who already have your information may ask for the last four digits for verification. Some India scammers ask for your bank account and routing number or ask you to wire transfer them a payment, giving a fake explanation that they cannot accept a credit card or personal check. Scammers can steal money if they know your bank account and routing number (e.g. counterfeit cashed checks) and wire transfers are far less traceable than unauthorized credit card charges. India scammers may threaten to have you arrested, but the IRS, SSA, and debt collectors cannot threaten to arrest or sue you on the phone; they are required to send you paper notices by registered mail. The police and FBI will never phone you and say that officers are coming to arrest you (many India extortions threaten to send officers); if the police really want to arrest you, they just show up with a warrant without phoning first. Some India scammers ask you to use your browser to visit a website that allows the scammer to directly access and control your computer and then they can install a ransomware virus to extort money from you, or they ask you to download a virus file to your computer. These same remote desktop websites are used by both legitimate technical support and India scammers to see and click on your screen. If the scam sounds very authentic, ask the scammer for their verifiable company name, street address, and a callback number that can be googled and matched to the company name and address, which all real businesses will provide. Every Indian scammer will immediately fail this test since they all use spoofed fake Caller ID numbers or VoIP numbers that they can quickly dispose of. Scams often prey on fear (you are going to be arrested or your account was hacked), ignorance (your fake account subscription was auto-renewed/auto-debited), or greed (that 80% savings on fake drugs or insurance, free Bahamas cruise, or 0%-interest loan is just a scam to steal money and identity theft data). If you are foolish enough to give your credit card or SSN to a random stranger to buy fake drugs, insurance, or loans, then you should blame yourself for being scammed. Most unsolicited calls are scams nowadays, usually with a very subtle to very thick Indian foreign accent, and most scam calls originate from India. No other foreign country is infested with pandemics of numerous noisy sweatshops filled with phone scam criminals who belong to the lowest India caste and many are thieves, robbers, and rapists who were serving jail sentences but released early due to prison overcrowding. Most India scammers are men, but many are women who also readily shout profanities and the cowards tell you that they will blow up your house (which is fake just like their scam). Just laugh at their abusive language. Google "Hindi swear words" and memorize some favorites to piss on these scammers, e.g. call him "Rundi Ka Bacha" (son of a whore) or call her "Rundi Ki Bachi" (daughter of a whore). But if you can spare at least 10 minutes, first scam the scammer before abusing them by sounding interested, asking them questions to keep them talking and having to think harder because they veer off their rehearsed script, do not overdo the acting, and feed them totally fake information (16 random digits starting with 4 for Visa and 5 for Master Card, when the scammer says the card does not work, ask them to repeat the number and try again, and then tell them "try my second card number", and then give them a third 16-random-digit number starting with 3 for Diners Club).

March 6, 2020

block
Scam

Credit card Intrest scam

March 5, 2020

block
Telemarketer

Reduce interest rate

March 4, 2020

block

Block!!

March 4, 2020

block

I would have hoped that this call. would be depleted by now

March 3, 2020

block
Scam

Credit Card scam

March 3, 2020

block
Credit Card Offer

same old bs

February 28, 2020

block
Scam

bogus debt used by practitioners as to embezzle from investors

February 27, 2020

block
Scam

Credit Card Rate Reduction

February 26, 2020

block
Telemarketer

credit rate

February 26, 2020

block
Scam

credit card rates

February 26, 2020

block
Credit Card Offer

Credit card interest reduction scam.

February 26, 2020

block
Credit Card Offer

Lower credit card scam

February 26, 2020

none
Get Rich Quick Scheme

Unsolicited debt consolidation wants ssn#

February 26, 2020

block
Credit Card Offer

It’s BS

February 25, 2020

block
Scam

Unknown spam or scam

February 24, 2020

block

Can y’all listen to this. The caller says ‘f... you f*******�

February 21, 2020

block
Scam

Credit card interest rate lower scam

February 19, 2020

block
Credit Card Offer

Spam fraud

February 18, 2020

block
Telemarketer

Credit card reduction

February 18, 2020

block
Credit Card Offer

Scam

February 17, 2020

block
Scam

Credit card scam

February 14, 2020

block
Scam

Indian scam

February 14, 2020

block
Credit Card Offer

Calling every hour! Recording to get a lower interest rate on your credit cards.

February 13, 2020

block
Scam

Scam

February 11, 2020

Scam

Fake credit services scam call by madarchod criminals phoning from India This is a fake credit services scam call by criminals phoning from India, trying to steal your credit card numbers, Social Security number, date of birth, and personal information. There are hundreds of these India scams where they either pretend to be fake debt collectors threatening you for debts that you do not owe, offer to lower the interest rate on a fake student loan that you do not have, consolidate all your debts at 0% interest, or give you an unsecured $100,000 line of credit. This call begins with a pre-recorded robotic speaker who says, "This is an important message regarding your current credit card account, we have made several attempts to reach you, this is your final courtesy call before we are unable to lower your credit card interest rate. Press one to speak to the Member Services Department." The robotic English message is generated using text-to-speech translation software to disguise the origin of this India scam. If you respond to the call, then you get transferred to the East Indian scammer who tells you that because of your good credit history, he can offer you lower interest rates... he just needs all your credit card numbers and SSN "for verification purposes". More than 95% of all North America phone scams originate from crowded phone rooms in India that rotate through numerous different fraud, extortion, and money laundering scams every day such as pretending to be a fake pharmacy, posing as fake Social Security officers saying your benefits are suspended or fake IRS officers collecting on fake unpaid back taxes or fake bill collectors threatening you for fake unpaid debts, pretending to offer fake health insurance, car warranty, and debt, student loan forgiveness, credit card consolidation services, posing as Amazon to falsely say that an unauthorized purchase was made to your account or that your Prime membership was auto-debited from your credit card or bank account, posing as Microsoft or HP to say that your software needs renewal or they detected a problem with 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, pretending to be DHL, UPS, or a bank, falsely stating that they installed ransomware virus on your computer and you need to pay them money, etc, and the scammers try to steal your credit card, bank account and routing number, or Social Security number and personal information. Some scammers try to gain your trust by looking up the name associated with your phone number and asking for you by name when they call. Many India scammers now phone you with an initial pre-recorded robotic person 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 East Indian scammer when you take the bait and respond to the pre-recorded message. Scammers always either use disposable VoIP phone numbers (e.g. MagicJack devices) or they spoof fake Caller ID phone numbers. Anyone, including you, can use telecom software or a third-party service to phone using fake names and phone numbers that show up on Caller ID. India scammers often spoof fake toll-free Caller ID numbers that begin with "8". The Caller ID name and number is often useless with scam calls unless the scam setup asks you to phone them back and the Caller ID area code is almost never the area from which the scam call actually originated since many scams use fake area codes from across the U.S. and Canada, and also purposely faked foreign country Caller ID numbers (e.g. fake women crying "help me" emergency scams often use fake Mexico and Middle Eastern Caller ID numbers). Some India scammers also spoof the actual real phone numbers of businesses such as Apple, Verizon, and U.S. banks so when you phone the number back, you realize that you were scammed from the spoofed Caller ID number of the actual business. What is the best way to avoid being scammed by a phone call? Never trust any unsolicited caller or anyone who phones you with any kind of sales offer (more than 90% of unsolicited sales calls are scams so your odds of saving money are poor), any kind of legal or arrest threats, any claims of suspicious activity on an account, any claims of refunds or auto-renewed/auto-debited accounts, and any pre-recorded messages. Any unsolicited caller with a foreign accent (nearly always East Indian) should immediately be treated as a scam until carefully proven otherwise. India scammers do not care about the U.S. National Do-Not-Call Registry and asking scammers to stop calling has no effect. I love to play with these scammers and keep them on the phone by pretending to be interested in their scam because many scam victims are the senile elderly. You do these scammers a favor by yelling at them and immediately hanging up. But you ruin their scams by slowly dragging them along on the phone call, calling them back if their phone number can be phoned, pretending to be interested in their product or service, pretending that you are worried when they threaten you, always giving them fake credit card numbers and fake personal information, asking them to speak louder and to repeat what they said to use up more of their energy, pretending to innocently ask the scum why he is shouting profanities at me, etc. The best defense against phone scammers is a good offense by not quickly hanging up the phone, but instead toying with them for at least 10 or 20 minutes to use up more of their time and energy so they have less time to deceive an elderly victim. Never give an unknown caller your credit card number or Social Security number. Companies who already have your information may ask for the last four digits for verification. Some India scammers ask for your bank account and routing number or ask you to wire transfer them a payment, giving a fake explanation that they cannot accept a credit card or personal check. This is an instant scammer alert because scammers can withdraw money if they know your bank account and routing number (e.g. counterfeit cashed checks) and illegal wire transfers are far less traceable than unauthorized credit card charges. India scammers may threaten to have you arrested, but the IRS, Social Security Administration, and debt collectors cannot threaten to arrest or sue you on the phone; they are required to send you paper notices by registered mail. The police and FBI also will never phone you and say that officers are coming to arrest you (many India extortions threaten to send officers); if the police really want to arrest you, they just show up with a warrant without phoning first. Some India scammers ask you to use your browser to visit a website that allows the scammer to directly access and control your computer and then they can install a ransomware virus to extort money from you, or they ask you to download a virus file to your computer. If the scam sounds very authentic, ask the scammer for their verifiable company name, street address, and a callback number that can be searched and matched to the company name and address, which all real businesses will provide. Every East Indian scammer will immediately fail this test since they all use spoofed fake Caller ID numbers or VoIP numbers that they quickly dispose of. Never trust any unsolicited call because they are mostly scammers, usually with a slight or strong East Indian foreign accent, and most scam calls originate from India. No other foreign country is infested with numerous noisy sweatshops filled with phone scam criminals who belong to the lowest India caste and many are thieves, robbers, and rapists who were serving jail sentences but released early due to prison overcrowding. Most India scammers are men, but many are women who also readily shout profanities. Just laugh at them. Google "Hindi swear words" and memorize some favorites to feed to these scammers.

February 10, 2020

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Credit Card Offer

Credit card rate reduction scam

February 6, 2020

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Scam

Another scammer who chose not to leave a message...

February 6, 2020

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Scam

credit card scam

February 5, 2020

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Credit Card Offer

Told me to s**k his d**k

February 4, 2020

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Scam

Credit card rate reduction scam

February 4, 2020

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Scam

credit card scam

February 3, 2020

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Medical Offer

This caller has call times after time do something about this

February 3, 2020

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Scam

credit card scam

February 3, 2020

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Credit Card Offer

They will not STOP BOTHERING ME!!!!

February 3, 2020

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Scam

credit card

February 2, 2020

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Credit Card Offer

Rate reductions scam

January 31, 2020

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all calls that come in, if not in my contacts block them please, or I'm not renewing your subscription, thanks

January 31, 2020

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Bank

Bank scamming people. Card service

January 31, 2020

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Credit Card Offer

Interest rate spam

January 30, 2020

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Scam

Credit card apr reduction

January 30, 2020

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Scam

credit card scam

January 30, 2020

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Credit Card Offer

Recording

January 30, 2020

Bank
Caller Name: CAPITIOL ONE

CALL FROM (800) 903-3637 NO MESSAGE LEFT. CALL BACK REQUESTED CREDIT CARD NUMBER AND SOC. SEC. #.

January 30, 2020

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Credit Card Offer

There should be some government control over these annoying calls & wasted time on everyones life! Thanks for your help!

January 30, 2020

Scam

Foreign caller who is fluent in English cuss words.

January 29, 2020

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Scam

don't know this number..

January 29, 2020

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Credit Card Offer
Caller Name: Credit Card Scam #

Block This S****d Annoying Scam # Caller From My iPhone Permanently Forever!!!

January 29, 2020

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Credit Card Offer

Reduction scam

January 28, 2020

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Credit Card Offer

“We have tried to reach you repeatedly. This is our attempt to reach you to lower your credit card rate...”

January 28, 2020

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Scam

Dead air. AT&T identified call as possible spam.

January 28, 2020

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Scam

Credit card reduction scheme

January 25, 2020

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Credit Card Offer

Credit card scam

January 24, 2020

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Credit Card Offer

Credit card scam. Don’t answer.

January 24, 2020

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Credit Card Offer

Recording

January 23, 2020

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Credit Card Offer

This a scam automotive voice message

January 23, 2020

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Scam

capital one credit card scam using false contact information number shows capital one but is not a valid contact claiming credit card interest rate can be lowered if given social security number and credit card number

January 23, 2020

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Scam

Credit card scams

January 23, 2020

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Credit Card Offer

Over and over every hour

January 23, 2020

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Scam

I don't have a credit card. Some one opened a Capital One card in my name. It is closed when I found out today.

January 22, 2020

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Scam

credit card scam

January 22, 2020

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Scam

Credit card interest rate lowering

January 22, 2020

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Scam

they call every day two times or more I'm sick of it

Marty

January 21, 2020

Scam

[deleted]

January 21, 2020

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Scam

credit card scam

January 21, 2020

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Scam

Spam

January 21, 2020

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Sales Offer

Credit Card Consolidation Loan

January 20, 2020

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Credit Card Offer

Fake

January 20, 2020

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Scam

They say they can take interest off my Credit Card

January 20, 2020

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Scam

They have a recording make the call. However, it's a scam...

January 17, 2020

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Scam

my credit card

January 17, 2020

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Credit Card Offer

Foul mouthed foreigner asked Hillary bot to stick his d**k in her a**. Would you like a copy of the recording?

January 17, 2020

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Credit Card Offer

Great app Robbie killer

January 16, 2020

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Credit card scam

January 16, 2020

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Scam

???

January 15, 2020

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Scam

credit card scam

January 15, 2020

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Dead air

January 15, 2020

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Credit Card Offer

Scam

January 14, 2020

Telemarketer

how can you have this many calls from the same number and no government agency has swatted them into non-existence

January 13, 2020

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Credit Card Offer

Scam credit card reduction

January 13, 2020

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Credit Card Offer

I’m getting several ‘credit card to lower interest’ Robo calls. I had three, two that rang through to my phone and voice mail on my phone and third was caught by Robo and was recorded.

January 13, 2020

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Credit Card Offer

Credit card scammers

January 13, 2020

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Credit Card Offer

Lower interest rates

January 11, 2020

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Credit Card Offer

Credit card scam

December 29, 2019

Scam

Fake credit card "Member Services" scam call by criminals phoning from India This is a fake credit card scam call by criminals phoning from India, trying to steal your credit card number, Social Security number, and personal information. There are hundreds of these India scams where they offer to lower the interest rates on a fake student loan that you do not have, consolidate all your debts at "0% interest", or give you an unsecured $100,000 line of credit. This call begins with a pre-recorded robotic speaker who pretends to be a vague credit card "Member Services Department". The robotic English message is generated using text-to-speech software to disguise the origin of this India scam. If you respond to the call, then you get transferred to the East Indian scammer who tells you that because of your good credit history, he can offer you lower interest rates... he just needs your credit card number and SSN "for verification purposes". I gave this India scammer a fake credit card number, fake SSN, and fake bank information, and then the scammer transferred me to his "supervisor" who then tried to charge $6800 (which was what I purposely contrived and told the scammer was my debt load) to the fake credit card number I gave him. More than 95% of all North America phone scams originate from crowded phone rooms in India that run numerous fraud, extortion, and money laundering scams every day ranging from fake pharmacies to posing as fake Social Security or IRS officers collecting on "unpaid back taxes", fake bill collectors threatening you for fake unpaid debts, pretending to offer fake health insurance, car warranty, and debt, student loan forgiveness, credit card consolidation services, posing as Amazon to falsely say that an unauthorized purchase was made to your account or that your Prime membership was auto-debited from your credit card or bank account, posing as Microsoft or HP to say that your software needs renewal or they detected a problem with your computer, pretending to be DHL, UPS, or a bank, falsely stating that they installed ransomware virus on your computer and you need to pay them money, etc, and the scammers try to steal your credit card, bank account and routing number, or Social Security number and personal information. Some scammers try to gain your trust by looking up the name associated with your phone number and asking for you by name when they call. Many India scammers now phone you with an initial pre-recorded robotic person speaking English, Spanish, or Chinese that is easily generated using text-to-speech software to disguise the origin of their India phone room, but then you speak to the East Indian scammer when you take the bait and respond to the pre-recorded message. Scammers often either use disposable VoIP phone numbers or they spoof fake Caller ID phone numbers. Anyone, including you, can use telecom software or a third-party service to phone using fake names and phone numbers that show up on Caller ID. India scammers often spoof fake toll-free Caller ID numbers that begin with "8". India scammers do not care about the U.S. National Do-Not-Call Registry and asking scammers to stop calling has no effect. I love to play with these scammers and keep them on the phone by pretending to be interested in their scam because many scam victims are the senile elderly. You do these scammers a favor by yelling at them and immediately hanging up. But you ruin their scams by slowly dragging them along on the phone call, calling them back if their phone number can be phoned, pretending to be interested in their product or service, pretending that you are worried when they threaten you, always giving them fake credit card numbers and fake personal information, asking them to speak louder and to repeat what they said to use up more of their energy, etc. The best defense against phone scammers is a good offense by not quickly hanging up the phone, but instead toying with them for at least 10 or 20 minutes to use up more of their time and energy so they have less time to deceive an elderly victim. Never give an unknown caller your credit card number or Social Security number. Companies who already have your information may ask for the last four digits for verification. Some India scammers ask for your bank account and routing number or ask you to wire transfer them a payment, giving a fake explanation that they cannot accept a credit card or personal check. This is an instant scammer alert because scammers can withdraw money if they know your bank account and routing number (e.g. counterfeit cashed checks) and illegal wire transfers are far less traceable than unauthorized credit card charges. India scammers may threaten to have you arrested, but the IRS, Social Security Administration, and debt collectors cannot threaten to arrest or sue you on the phone; they are required to send you paper notices by registered mail. If the scam sounds very authentic, ask the scammer for their verifiable company name, street address, and a callback number, which all real businesses will provide. Every East Indian scammer will immediately fail this test since they all use spoofed fake Caller ID numbers or VoIP numbers that they quickly dispose of. Never trust any unsolicited call because they are mostly scammers, usually with a slight or strong East Indian foreign accent, and most scam calls originate from India. No other foreign country is infested with numerous noisy sweatshops filled with phone scam criminals. These India scammers belong to the lowest India caste and many are thieves, robbers, and rapists who were serving jail sentences and released early due to prison overcrowding.

JCH955

December 20, 2019

Credit Card Offer
Caller Name: Capital One

Robocall for "rate reduction", using caller ID "Capital One". I do NOT have a Capital One card. Obvious scam for credit card rate reduction.

JL

December 17, 2019

Scam
Caller Name: Claiming to be capital one

Block this number. It is not linked to capital one at all.

December 10, 2019

Scam. Do not answer.

MoFromMaine

December 6, 2019

Scam
Caller Name: Caller ID said Capital One

Yet another scam...

November 6, 2019

Scam
Caller Name: Verizon fake

Claimed to be Verizon, saying my account was suspended. When he asked what the message said, I told him he should be the one telling me why they called. He abruptly hung up. I'm sure he was going to try and get my credit card number.

NobodysFool

November 5, 2019

Credit Card Offer
Caller Name: Capital One (FAKE)

FAKE! I just received the robo call from this 800-903-3637 claiming to be Capital One and I knew it was unusual, so I hung up and called it back. While it does have the Capital One greeting / recording, IT IS NOT Capital One. I just called the REAL Capital One (the number on the back of my card) and spoke to an agent about this, and after he put me on hold to look into it, he came back and said "That is a suspicious number, and we at Capital One do not make such automated calls without being prompted by an incident. If Capital One places an outbound call to a customer, it will be a live agent who will identify themselves immediately as human and there are no such robotic calls." He then instructed me to report the number and details to abuse@capitalone.com so that their security department could investigate and take action.

Fonzy

October 22, 2019

Scam
Caller Name: Capital One

Pretending to be Capitol One. Same robocall scam that calls me 2 or 3 times a day. I can’t believe that, with today’s technology, someone can’t find a way to stop this, especially spoofing phone numbers.

jayjay

October 10, 2019

Bank
Caller Name: Credit Card Scam

he have Indian accent he's Credit Card Scam

September 25, 2019

Credit Card Offer
Caller Name: Capital One Credit Card Services

Number looks to be a spoofed number of Capital One. They informed me that 'to take you off, we need your information.' Not true. I told them I would just be 'Bob Bob' if they wanted to play that game. I eventually was 'taken off' the Capital One call list. I'll wait another 2 hours to see what happens.

September 18, 2019

Credit Card Offer
Caller Name: "Capital One" on caller ID, but they say the name is "Consumer Services" or "CCS"

They claimed that they have some of my information from my Experian report, and that they are over the major banks/lenders who tack on extra interest to earn money. This "company" claims that they can reduce my interest rates by "cutting out the middle man", however, they kept asking me what credit card I have. I kept asking how they don't know if they are the ones actually doing the lending, but they could not seem to answer. Eventually I ran them off with my interrogation. DON'T FALL FOR IT!!

Mrs. John Sharpe

August 23, 2019

Scam
Caller Name: unknown

No message left (I screened the call). Lots of reports on other websites saying it's a credit card scam and arguing back and forth as to whether this is actually a number for Capital One or not. Since AFAIK, we don't HAVE any credit cards through them, it's a moot point.... Although my husband DID get an ad from them in the mail yesterday.... Hmmm. Wonder where he put it. I could rip off any of the personal info and mail it back to them on their dime, after writing "VOID" on all the fill-in parts of the application....

August 6, 2019

Credit Card Offer
Caller Name: Capital One Credit Card

The man on the phone became very inappropriate when I asked him which woman in the house he was asking for because there were multiple women living at the address. I then proceeded to lie and tell him that I was underage and watching my baby sister thinking that he would hang up on me. He did not and played right in on it, getting more inappropriate.

JayThrillz

July 23, 2019

Scam
Caller Name: 8009033637

Called # back and said it was Capital One.

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