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(844) 535-9436 is a Scam Call

Alternately: +18445359436

Reported Name:

Credit Genesis Credit Comenity Scam

Reported Category:

Scam

User Reputation

Negative

RoboKiller Block Status

Blocked

Last Call

33 minutes ago

Total Calls

335,471

Based On

902 user reports

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Transcription

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17 user reports for (844) 535-9436

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

September 12, 2020

none
Credit Card
Caller Name: Credit card harass

Trying to sell me a credit card

July 6, 2020

none
Credit Card
Caller Name: Sales

Unwanted

July 2, 2020

Scam

Fake Midland Credit, Genesis Credit, Comenity Bank, Synchrony Bank, Recovery Services, Discover Financial, Capital One, PayPal, American Express, Chase Bank, Bank of America, Transworld Systems (or another fake or real credit agency or bank name) 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 debt collector, bank or 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. Either the recording or 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 auto-dialing thousands of numbers. 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 either tells you that you can settle the debt by paying with a credit card or demands that you wire transfer the payment for the fake debt or asks for your bank account/routing number. More than 95% of North America phone scams come from India scammers who use hundreds of fraud, extortion, and money laundering scams every day such as posing as a fake pharmacy, fake Social Security officers saying your benefits are suspended, IRS officers collecting on fake unpaid back taxes, bill collectors threatening you for fake unpaid debts, fake bank, financial, or 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 that your software needs renewal or they detected a problem or virus on 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; posing as Verizon/AT&T/Comcast or your electric utility to say your service is suspended; fake fundraisers asking for donations; fake political and lifestyle phone surveys; and the scammers try to steal your credit card, bank account/routing number, or Social Security number and personal information. One India call center may cycle through a fake Social Security, computer subscription auto-renewal, pharmacy, health insurance, and credit card offer scam during the week. People often hear different scams from the same spoofed Caller ID number. Scammers often use disposable VoIP phone numbers (MagicJack devices) or they spoof fake Caller ID phone numbers. Scammers use telecom software or a third-party service to phone using fake names and phone numbers that show up on CID. India scammers often spoof fake "8xx-" toll-free CID numbers. The CID name/number is useless with scam calls unless the scam asks you to phone them back and the CID area code is almost never the origin of the call. You waste your time researching the CID number since scams use spoofed CID numbers from across the U.S. and Canada, totally invalid area codes, and also fake foreign country CID numbers; e.g. fake women crying "help me" emergency scams often spoof Mexico and Middle East CID numbers. India scammers also spoof the actual phone numbers of businesses such as Apple, Verizon, and U.S. 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 sales calls are scams so your odds of saving money are very poor); offers of a "free gift"; legal or arrest phone threats or a caller or recording who says you need to reply back soon (pressure tactic); callers who ask you to 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 or refunds or auto-renewed/auto-debited accounts; and all pre-recorded messages. Recorded messages are far more likely to be malicious scams, and not just telemarketing spam. A common India scam phones you with a fake Amazon recording about a 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 your credit card. Any unsolicited caller with a foreign accent, usually Indian, should immediately be treated as a scam. Many scams tell a lie that you recently inquired about a job, insurance, social security benefits, doctor appointment, or that you recently contacted them or visited their website. Many scammers try to gain your trust by saying your name when they call, but the autodialer is automatically displaying your name to the scammer or saying your name in a recording when your number is dialed using widely-available phone databases that contain millions of names, numbers, and addresses. Many India scammers phone you with an initial pre-recorded message 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 respond to the pre-recorded message. 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 and many India scammers begin calls using interactive voice response (IVR) robotic software that combines voice recognition with artificial intelligence, speaks English with American voices, listens to your speech, and responds based on your replies. Four common IVR setups begin the call with either: "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 scam calls quickly ask you a short question to elicit a yes/no reply so it hangs up if it encounters voicemail. The quick question is often followed by fake background noise and a fake phone ringing to simulate a call center. The IVR robot can understand basic replies, yes/no/what? answers, and basic questions. To test for an IVR robot, ask them, "How is the weather over there?" IVR software cannot answer complex questions. IVR robots keep talking if you 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. A common myth is these IVR scam calls try to record you saying "yes" so scammers can authorize other purchases and charges just using your "yes" voice, but scammers need more information than just a simple recorded "yes" from you, i.e. your credit cards and SSN. Phone/email scams share two common traits: 1) The Caller ID name/number and the "From:" header on emails are easily faked; and 2) The intent of a scam phone call is malicious just as the file attachments and website links on a scam email are malicious. Phone/email 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 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. If you provide your personal and financial data to a phone scammer, lured by fake 80%-discounted drugs or scared by fake IRS officers, you receive more phone scams and identity theft can take years to repair. India scammers do not care about the National Do-Not-Call Registry and 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, always giving them fake credit card numbers and fake personal data (16 random numbers starting with 4 for Visa 5 for MasterCard), asking them to speak louder and to repeat what they said to waste their time and energy.

June 25, 2020

none
Credit Card
Caller Name: Total visa

Calls daily about a card that I don’t have

May 12, 2020

total visa

April 3, 2020

block
Scam

scan caller

Jack l

February 26, 2020

Social Security Scam
Caller Name: Social security administration

Male voice, keep to telling “ you do have unsuspected activity on social security number”

January 30, 2020

Scam

This is a phantom debt collection scam by criminals phoning from India! This is what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a debt collector, lawyer, or law enforcement and threatens to sue or arrest you using harassment (repeated phone calls), lies, threats, and intimidation to collect on fake debts that you do not owe. 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 such as pretending to be a fake pharmacy, posing as fake Social Security or IRS officers collecting on "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, 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 Many of these East Indian phantom debt scams begin the phone call using text-to-speech software to generate a pre-recorded message without a foreign accent to disguise the origin of this India scam. This scam call may begin with a pre-recorded message that often includes robotic text-to-speech customizations of the message to call you by your name in order to make the message sound like a personal phone call and to gain your trust. It is easy to acquire huge phone database listings of millions of names associated with phone numbers and addresses and have the robo-dialer automatically say your name. The synthesized speech may also be recorded in Spanish or Chinese to target immigrants. The pre-recorded message or the East Indian scammer usually references vague and fake financial accounts that are unpaid, fake names of the debt collector handling your fake debts, fake ID codes for your fake debt, and they often falsely say "our numerous attempts to contact you at your home and workplace have been unsuccessful and this is our final attempt", which is all false and intended to make it sound urgent. The scammer then asks for your Social Security number and either tells you that you can settle the debt by paying with a credit card or demands that you wire transfer the payment for the fake debt or asks you for your bank account and routing number. Here is how to tell the difference between a real debt collector and a scammer: A debt collector must tell you information about your debt such as the name of the creditor, the exact amount owed, and if you dispute the debt, the debt collector has to obtain verification of the debt. A scammer either avoids providing this information or provides false information. A debt collector has to mail you a printed-on-paper "validation letter" within five days of first contacting you. If you do not dispute the debt in writing within 30 days, the debt collector has the right to assume the debt is valid. Scammers always pressure you to settle the debt immediately, often demanding that you make a money transfer from you bank that can be untraceable; this is very common with East Indian scammers posing as debt collectors and fake IRS officers. A scammer may threaten to tell your family and employer about your debts, but a real debt collector can only ask other people about your address, phone number, and place of employment; they cannot tell other people about your debts. Scammers will ask for your bank account and routing numbers and Social Security number, whereas real debt collectors will not. Ask the debt collector for their name, company name, street address, and a callback number, which all real debt collectors will provide. Every one of the thousands of East Indian scammers will also immediately fail this test since all of the East Indian scammers use spoofed fake Caller ID numbers or disposable VoIP numbers. If you suspect a scam, contact the creditor the debt collector claims to be working for and find out who has been assigned to collect the debt. (By the way, this phone scam has NOTHING to do with someone named "Cannon" in Michigan as mentioned in a previous post by a "Marty/Matt" user who has been spamming many robokiller numbers with the same nonsense comments and he is obviously trying to get some kind of personal revenge on a "John Cannon" by trying to get him in trouble by posting onto robokiller numbers fake information that obviously is not related to a someone named "Cannon" smh. If you know the exact name and address of criminals, you report it to law enforcement and you do not post their home address all over discussion forums and social media. This "Marty/Matt" nutcase is obviously the pathetic "stalker" that he talks about and he keeps posting false information and hoping that you will do his stalking of this Cannon person for him smh.)

January 28, 2020

[deleted]

January 16, 2020

block
Scam

Some Asian dude blabbering on about his day

January 13, 2020

Social Security Scam

I called back and he answered social security administration. I said someone called and what do you want? He hung up.

November 4, 2019

allow

Total Visa Credit Card

October 31, 2019

block
Debt Collector

Please stop showing this.

October 23, 2019

block
Scam

scam

August 5, 2019

block
Debt Collector

Total Visa

July 3, 2019

block
Scam

Never leaves a message, but constantly calling

January 28, 2019

unsure
Scam

Robot call

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