This is a very large debt collector that attempts to collect very old debts. Many of the debts are so old that they are out of statute and also should no longer appear on your credit report, but this company will often re-age them and put them back on your credit report. Many many phone calls and illegally placing these debts on your credit report are the main ways they attempt to collect on these old debts. Many of the debts were sort of lost by the doctor's office or the ambulance company or the telecom company for years, and so they sat there dormant until this company came along and bought them for pennies and now wants the total amount plus interest.

September 14, 2024

They called themselves something like Credence Resource Management or something like that. Called my cell last week and didn't leave a message; called today and I told them we were on the Do Not Call list and not to call again. A minute later, they called my home phone, so they're likely using a Name/Number list and just going down it. I got really loud with them and then blocked them, so hopefully they'll just go away.

May 31, 2024

calls every single day

September 1, 2023

I don’t like these people bc they spam call you all day

April 19, 2023

Cobrando una targeta de hace 20 años una compañía que ya ni existe . Un crédito que ya ni en mi reporte existe.

February 22, 2023

They were saying that I owe the medical bill when my medical bill was already covered and it has been approximately 10 months since that bill was covered mind you they knew my full name my address the place that I supposedly owe the debt to so at first I was thinking this is legit but then I saw that it was an unknown call and then it didn’t say scam likely so I was listening to what she was saying but that’s impossible because when these things happen I usually get some thing in my mail or that establishment where there was that would have called me before even going to a debt collector it was just off it was weird I got online I looked up the number and I’m seeing that I’m not the only person who’s been called by this number

January 23, 2023

Fake phantom debt collection scam by madarchod criminals phoning from India. This is what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a bank (often impersonating Chase, Credit One, Wells Fargo, Citibank, Bank of America, Capital One, American Express, or US Bank), 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. And Indian debt collection scams have vastly increased this year to prey upon the larger number of people in debt. The India scammer asks for you by your name in order to sound like a personal phone call to gain your trust, but they are randomly auto-dialing everyone. The scammer may say "I am calling on a recorded line" just to sound official, but it is fake! The scammer either mentions an unpaid debt and past due amount that must be paid immediately or says that they have frozen your account due to fraudulent activity. The scammer then asks for your online banking login credentials, Social Security number and date of birth "for verification purposes", and says you can settle the debt by paying with a credit card, prepaid debit card, or eBay gift card, or demands that you wire transfer the payment, or asks for your bank account/routing number. Or the scammer pretends to offer a "50% settlement" deal where "you only have to pay half" of your fake debt. About 55% of North America scam calls come from India and 40% come from the Philippines. India scammers run hundreds of fraud, extortion, and money laundering scams every day such as posing as a fake pharmacy, fake Social Security officer saying your benefits are suspended, IRS officer collecting on fake unpaid back taxes, debt collector threatening you for fake unpaid bills, fake bank/financial/FedEx/UPS/DHL scams, pretending to offer fake health insurance, car warranty, student loan forgiveness, credit card and debt consolidation services, posing as Amazon to falsely say an unauthorized purchase was made to your credit card or your Prime membership was auto-debited from your bank, posing as Microsoft/Dell/HP/Apple to say your account has been hacked or they detected a virus on your computer, fake "we are refunding your money" or "your account has been auto-debited" scams, fake Google/Alexa listing scams, posing as electric utilities, Verizon, AT&T, or Comcast, fake solar panel and home purchase offers, fake fundraisers asking for donations, fake phone surveys, and the scammers try to steal your credit card, bank account/routing number, Social Security number, and personal information. India scammers often rotate through fake Social Security, subscription auto-renewal, pharmacy, and pre-approved loan scams on the same day. Philippines scammers run more auto/home/health/life insurance, Social Security and Medicare identity theft, and fake charity donation scams. Scammers use disposable VoIP phone numbers (e.g. MagicJack devices) or they spoof fake names and numbers on Caller ID. Anyone can use telecom software to phone with a fake CID name and 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 often spoof Mexico and Middle East CID numbers. Scammers often spoof the actual phone numbers of businesses such as Apple, Verizon, and 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 Social Security number; offers a free gift or reward; threatens you with arrest/lawsuit or says you need to reply back soon (pressure tactic); asks you to access a website, download a file, wire transfer money or buy prepaid debit/gift cards; claims suspicious activity on your account; says your subscription is being refunded or auto-renewed/auto-debited; and all pre-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 usually scams. Filipino scammers tend to speak better English than Indian scammers. Filipinos speak English with a subtle accent having a slight trill. Scams often say that you inquired about a job, insurance, social security benefits, or that you previously contacted them or visited their website. A common India scam plays a fake Amazon recording. Amazon account updates are emailed, not robo-dialed. Many banks use automated fraud alert calls to confirm a suspicious purchase, but verify the number that the recording tells you to phone or just call the number printed on your credit card. India scammers impersonate AT&T DirecTV, Comcast, or a cable/Internet company, 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 pre-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, but their autodialer automatically displays your name or says your name in a recording when your number is dialed using phone databases that list millions of names and addresses. Scammers often call using an initial recording 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 software sound robotic, but others sound natural. To hide their foreign accents, some India scammers use non-Indians in their phone room. Scammers often use interactive voice response (IVR) robotic software that combines voice recognition with artificial intelligence, speaks English with American voices, and responds based on your replies. IVR calls begin with: "Hi, this is fake_name, I am a fake_job_title on a recorded line, can you hear me okay?"; or "Hi, this is fake_name, how are you doing today?"; or "Hello? (pause) Are you there?"; or "Hi, may I speak to your_name?" IVR quickly asks you a short question to elicit a yes/no reply so it hangs up if it encounters voicemail. IVR robots understand basic replies and yes/no answers. To test for IVR, ask "How is the weather over there?" since IVR cannot answer complex questions and it keeps talking if you interrupt it in mid-sentence. IVR usually transfers you to the scammer, but some scams entirely use IVR with the robot asking for your credit card or SSN. A common myth is IVR calls record you saying "yes" so scammers can authorize purchases just using your "yes" voice, but scammers need more than just a recorded "yes" from you - credit cards and SSN. Phone/email scams share two common traits: 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 0 to 2 calls per day. If you provide your personal information to a phone scammer, lured by fake 80%-discounted drugs or scared by fake IRS officers, you receive even more phone scams and identity theft can take years to repair. Most unsolicited calls are scams, often with an Indian accent. No other country is infested with pandemics of phone room sweatshops filled with criminals who belong to the lowest India caste and many are thieves and rapists who were serving jail time but released early due to prison overcrowding. Scammers often shout profanities at you. Just laugh at their abusive language. Google "Hindi swear words" and memorize some favorites, e.g. call him "Rundi Ka Bacha" (son of whore) or call her "Rundi Ki Bachi" (daughter of whore). Scammers ignore the National Do-Not-Call Registry; asking scammers to stop calling is useless. You do these scammers a favor by quickly hanging up. But you ruin their scams when you slowly drag them along on the phone call, give them fake personal and credit card data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said to waste their time and energy.

January 5, 2023

They've called every day since Dec 21, 2022..go away!! Good thing I blocked them! Ugh!!

January 3, 2023