SCAM! FAKE phantom debt collection scam by madarchod criminals phoning from India. The 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, ADT/Vivint (data breaches), fake "AR/HC" names (ARC, A&R, AR Recovery/Resources, ARM Solutions, ARstrat, HC Recovery, Rabinock Recovery), credit union, utility company, debt collector, credit agency, billing department, lawyer, 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 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 to sound like a personal phone call to gain your trust, but they are 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. 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 71% of North America scam calls come from India, 19% from Philippines, 4% 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 profanities at you. Google "Hindi swear words" and memorize some favorites; call him "Rundi Ka Beta" (son of whore) or call 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 those keypad commands are fake and they say that just to sound legit. Scammers often provide a toll-free callback number to look like a real business, but they regularly shed old callback numbers so you can never reach the scammers once you have realized that you were scammed. Scammers tell you their callback number just to gain your trust long enough to steal your identity and money and then they frequently switch to using new callback numbers. You do these scammers a favor by quickly hanging up. YOU SHOULD SCAMBAIT ALL SCAMMERS - slowly drag scammers along on the phone call, provide fake personal and financial data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said to waste their time and energy.

October 7, 2026

SCAM! FAKE phantom debt collection scam by madarchod criminals phoning from India. The 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, ADT/Vivint (data breaches), fake "AR/HC" names (ARC, A&R, AR Recovery/Resources, ARM Solutions, ARstrat, HC Recovery, Rabinock Recovery), credit union, utility company, debt collector, credit agency, billing department, lawyer, 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 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 to sound like a personal phone call to gain your trust, but they are 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. 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 71% of North America scam calls come from India, 19% from Philippines, 4% 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 profanities at you. Google "Hindi swear words" and memorize some favorites; call him "Rundi Ka Beta" (son of whore) or call 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 those keypad commands are fake and they say that just to sound legit. Scammers often provide a toll-free callback number to look like a real business, but they regularly shed old callback numbers so you can never reach the scammers once you have realized that you were scammed. Scammers tell you their callback number just to gain your trust long enough to steal your identity and money and then they frequently switch to using new callback numbers. You do these scammers a favor by quickly hanging up. YOU SHOULD SCAMBAIT ALL SCAMMERS - slowly drag scammers along on the phone call, provide fake personal and financial data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said to waste their time and energy.

October 7, 2026

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June 2, 2025

ROBOCALL

July 14, 2024

Scam

May 19, 2024

sincrony bank kollekturdz

March 29, 2024

debt collector

February 29, 2024

Collections

December 21, 2023

Don’t allow

October 11, 2023

Recording

June 4, 2023

Block

March 24, 2023

Probably care credit

March 15, 2023

F**k them

March 11, 2023

Unwanted

January 21, 2023

Spam

December 15, 2022

Select comfort bed

December 4, 2022

No

November 14, 2022

You been have a wrong phone number pls don’t return call ever again

November 12, 2022

Can't listen to it

October 28, 2022

Don’t know but wrong area code for Houston.

October 9, 2022

they are calling late at night. need to block them all together. even voicemail

September 30, 2022

Synchrony Bank??? Doubt it

September 25, 2022

Debt Collector

September 19, 2022

Idk

September 16, 2022

Scam

September 15, 2022

Ben

September 11, 2022

F**k Susan McAnnoyingNi

August 19, 2022

Harassment

August 19, 2022

Stop harassing me

August 19, 2022

F**k them

August 16, 2022

Harassment

August 16, 2022

Stop harassing me

August 13, 2022

Spam & Scam

August 9, 2022

Block

August 4, 2022

This is a known number bank

July 27, 2022

I don’t know them.

July 13, 2022

Block it

July 11, 2022

Not interested

July 10, 2022

Why was a call you blocked able to leave a message on my phone?

July 9, 2022

Call and want say anything

July 4, 2022

Spam spoofing number

July 3, 2022

Got calls from this number daily.

June 24, 2022

Don’t know

June 17, 2022

Spam

June 13, 2022

?

June 12, 2022

Tell

June 5, 2022

Kim oo

May 16, 2022

Bank again!!!!

May 15, 2022

Scammer

May 15, 2022

Unknown

May 15, 2022

Yet

May 14, 2022

No one I know

May 13, 2022

Calls a lot

May 12, 2022

call every day

May 9, 2022

Bill collection

May 7, 2022

And you never will be!

April 29, 2022

You are the best!

April 27, 2022

Block and ignore; p**o Jane

April 25, 2022

DO NOT ALLOW THIS NUMBER

April 19, 2022

Bill collection

April 10, 2022

Block

April 8, 2022

G

April 6, 2022

Thanks

March 25, 2022

Debt collector

March 24, 2022

Please

March 21, 2022

This number is on the block list but still goes through

March 21, 2022

..

March 13, 2022

persisted

March 8, 2022

Okay

March 7, 2022

None

March 6, 2022

This a scam

March 6, 2022

Don't owe Synchrony, canceled every card I had when this Chinese company bought out card accounts for Lowe's, HSN, QVC, Briggs&Stratton and many more.

February 20, 2022

Hey loser

February 6, 2022

Unsolicited

February 2, 2022

Block

January 23, 2022

This number has called everyday since November with the same message. I have no need to be contacted by synchrony bank. I want it to stop!!!!

January 9, 2022

I do not have what they want. I will pay as money in allows.

January 6, 2022

Contacted Synchrony Bank directly and this number is not legitimate

December 14, 2021

Stop

December 12, 2021

accepted

December 8, 2021

Continues to call non stop

December 6, 2021

Allow

November 22, 2021

Debt Collection

November 3, 2021

Scammers

October 19, 2021

Synchrony

October 11, 2021

Spam

August 18, 2021

harassment all the time

August 13, 2021

calls 5x a day

June 1, 2021

Love it thank you

April 15, 2021

Spoofed number , phishing call for identity theft-disguised as selling female s*x prostitution-DOJ notified

March 31, 2021

Big Biggest Spammers in S California

March 15, 2021

Debt collector

February 21, 2021

Lowes

February 20, 2021

i keep getting called by this number, it shows up as spam risk on my phone so i don't answer. when i looked it up people are saying its from Synchrony Bank, but when i contacted Synchrony Bank (a process which is fraught with trials and tribulations that'd shake hercules' resolve, btw), they told me the number isn't in their directory.

January 14, 2021

Collections

January 8, 2021

Block call is scam telemarketer

January 6, 2021

Synchrony Bank

December 9, 2020

synchrony bank scammerz! i don't do business with either this bank or any specific store-name credit card either!

November 29, 2020

Annoying

October 29, 2020

scmammers

October 7, 2020

They've called me 22 times in 3 days. They never leave a voicemail and the calls come at insane hours! Utterly furious!

September 25, 2020

I believe its a scam..Robo call. Call back ..mumbles than says bank..at times feds..

July 28, 2020

Is calling as late as 11:35pm on a Friday night 3/27/20

March 28, 2020