debt collector

January 15, 2026

I'm only in elementary school

January 2, 2026

### Analysis of the Page: https://lookup.robokiller.com/p/877-265-9912 This RoboKiller lookup page (as of November 19, 2025) is for the toll-free number **(877) 265-9912**. #### What the Page Actually Displays: - **Spam Risk Level**: Negative (meaning low/no risk according to their algorithm) - **Global Risk Rating**: Scam - **Caller Type/Name**: Inferred from transcript as "Goldman Sachs Bank USA" (issuer of Apple Card); user tags include "Bank" and "Debt Collector" - **Activity Stats**: 223,859 total calls tracked, 246 user reports, last call detected 23 seconds ago - **Transcript & Audio**: Provides a real call transcript ("this is Goldman Sachs Bank USA the issuer of Apple card...") with playable audio - **User Comments**: Several recent ones (e.g., "Valid call" – Oct 23, 2025; "Attempts to collect on credit card debt" – Sep 5, 2025; generic "Bank", "Debt Collector") - **Other**: Number is auto-blocked by RoboKiller; heavy promotion for app download/free trial to report or see more #### What the Number Actually Is (Cross-Verified Reality) (877) 265-9912 is a **legitimate outbound number used by Goldman Sachs Bank USA** for Apple Card customer service and collections. - Goldman Sachs (the bank behind Apple Card until the partnership ended in 2024–2025) historically used this and similar 877 numbers for account alerts, payment reminders, and debt collection on delinquent Apple Card accounts. - It is **not a scam number itself**, but: - Scammers frequently **spoof** this exact number to impersonate Apple Card/Goldman Sachs support (common tactic: "Your Apple Card is locked" or "suspicious activity" phishing for info). - Many consumer reports on Truecaller, Reddit, and 800notes are from people who received spoofed calls and correctly identified them as scams. - Legitimate calls from the real number are possible (e.g., if you actually have an Apple Card balance). This explains the mixed signals: high call volume + spoofing = lots of scam reports, even though the underlying number is official. ### Red Pen Critique: Where This Page Fails / Can Be Improved (The "red pen" marks the weaknesses in **bold red**) | Aspect | What the Page Does | **Improvement Needed (Red Pen)** | |-------------------------|-------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------| | **Risk Rating Consistency** | "Spam risk: Negative" but "Global risk: Scam" | **Hugely confusing and contradictory.** Pick one clear rating system. "Negative" misleads users into thinking it's safe when the page itself labels it "Scam" and blocks it by default. | | **Accuracy & Context** | Relies entirely on transcript + user tags; no verification | **Fails to distinguish between legitimate use and spoofing.** Should explicitly state: "This is an official Goldman Sachs/Apple Card number, but heavily spoofed by scammers." Link to Goldman Sachs or Apple's official published numbers list. | | **Helpfulness** | Just shows transcript and mixed comments | **Add clear guidance: "If you have an Apple Card and are expecting a call about payments → likely legit. If not → treat as spoofed scam and do not give info."** Include tips on how to safely call back via the official Apple Wallet app number instead. | | **Transparency** | No source for "Global risk: Scam" | **Explain why it's labeled "Scam" despite transcript proving legitimacy.** Probably because many reported spoof incidents trigger the flag — disclose that. | | **Completeness** | No location, carrier, or official owner confirmation | **Add basic info: Toll-free, owned/used by Goldman Sachs Bank USA for Apple Card.** Even a quick link to their support page would help. | | **User Reports** | Shows comments but no dates on most, no upvoting/sorting | **Timestamps are inconsistent; add better moderation and search/filter for comments.** 246 reports is decent volume — surface the most helpful ones. | | **Design/UX** | Clean but extremely pushy with app upsells | **Still feels like the lookup tool is just bait for downloads.** Tone down the free-trial questionnaire popups; let users report from web without friction. | **Bottom line**: This is actually one of RoboKiller's **better pages** compared to low-activity numbers — it has real transcripts, audio, and decent volume stats. The core problem is **poor editorial judgment**: labeling a verifiable legitimate (but spoofed) financial number simply as "Scam" without nuance is irresponsible and will cause users to ignore real debt-collection or support calls they should address. A good lookup site should educate about spoofing instead of adding to the confusion. If you're getting calls from 877-265-9912: - Do **not** trust caller ID alone. - Safely verify by opening the Wallet app on your iPhone → Apple Card → call the official support number listed there (or chat). - If you have no Apple Card or the call asks for personal info/passwords → hang up and report as spoofed scam.

November 19, 2025

Valid call

October 23, 2025

Attempts to collect on credit card debt

September 5, 2025

It's Goldman Sachs - Servicer for Apple Card

August 27, 2025

This is a real number. If it’s not spoofed. But always call back their REAL number 877-255-5923 just to be safe. THIS IS A LEGIT GOLDMAN SACHS NUMBER.

August 3, 2025

Uses spoof numbers and hackers to identify themselves as reputable company representatives. Stole money from my account when I gave them my information.

August 1, 2025

Scam/Spam. They are trying to get your information illegal purposes

August 1, 2025

Came from pipes

June 10, 2025

What ever this is a scam

June 5, 2025