Totally FAKE "your personal/business/payday/VA/student loan, hardship loan, mortgage or home equity loan, debt relief, debt consolidation, tax debt, or government grant application has been pre-approved/approved or needs to be finalized" scam by criminals phoning from India. This is a massive fake financial services loan scam by madarchod criminals calling from India, stealing your credit card numbers, Social Security number, bank account and personal information. There are thousands of these India scams where they pretend to be fake debt collectors threatening you for debts that you do not owe, offer to lower the interest rate on credit cards or a fake student loan that you do not have, offer you a fake home equity loan based on a request that you did not inquire about, consolidate all your credit cards and debts at 0% interest, or give you an unsecured $100,000 line of credit. This call may begin with a huge variety of pre-recorded messages generated using text-to-speech translation software to disguise the origin of this India scam. This scammer uses hundreds of fake company names, speaks your full name to try to gain your trust, and may falsely tell you that they previously mailed you a loan application or that you had previously applied for their loan. The scammer tells you that because of your good credit history, he can offer you lower interest rates on personal and business loans. He asks for your SSN "for verification purposes" and asks for your credit card or bank account number "so they can deposit your (fake) loan". Or the scammer says that to prove your credibility, you must first buy a prepaid gift card and give him the card number and PIN code. This India scammer also uses these same thousands of phone numbers to run many other scams including offers of fake Medicare, health insurance, auto insurance and car warranties, pretends to be debt collectors, pretends to be fake fundraisers collecting for various charities but they keep all charity donations for themselves, and impersonates Google, AT&T DirecTV or Comcast. About 47% of North America scam calls come from India, 32% from Philippines, 17% 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 translation AI 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, e.g. call him "Randi Ka Beta" (son of whore) or call her "Randi Ka 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 or to 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.

January 26, 2026

When I answered, they blew into the phone receiver and hung up. I’ve been wondering if it’s my ex narc boyfriend checking in on me. They call everyday. If it happens to be on a day that he calls they’ll call soon after if I don’t answer the phone for him

January 15, 2026

Asked for me & then didn’t say anything else for 2 mins.

July 12, 2023

Fake fundraising scam asking for donations that they keep for themselves. This is a fake charity fundraising scam! 99% of these unsolicited phone calls from charity fundraisers that pretend to raise money for veterans, police, firefighters, breast cancer and other cancers, autism, colleges and schools, the NRA, political organizations, and other seemingly worthy causes are ALL SCAMS!! If you want to donate to these causes, do your own research, research the Charity Navigator website, and you will find reputable charities that actually donate most of the collected money to the actual cause that they represent. All these other fake fundraising scams rotate through various charity causes every day and keep all of the collected money for themselves, some of these fake fundraisers purposely overcharge your credit card by thousands of dollars and then disappear, and they all really ruin the trust that people have for the reputable charities. Many of these fake fundraising scammers use automated interactive voice response (IVR) software that sounds very human, but you are initially talking to a software-based robot who asks you some questions and responds based on your replies before transferring you to the real scammer who steals your credit card number under the pretense of raising money for a variety of fake causes that these scammers rotate through every day. The human scammer often says they will mail you an envelope so you can mail your donation in, but then they immediately ask for your credit card number. The robot caller usually begins the call with a stern male voice asking, "Hello, hello?", "Hi, is the head of the household there?", or "Hi, is (your first name) there?" to make the call sound like a personal phone call to gain your trust. It is easy to set up IVR robo-dialing to automatically match the name that the robot asks for on the phone call to the name that is associated with phone numbers and addresses on phone marketing database CDs that anyone can purchase. Many of the thousands of India phone scammers also use these same phone databases and they often ask for you by name to try to gain your trust. If you reply "No, John is not here" or "No, you have the wrong number", the IVR robot is programmed to say "Maybe you can help me" and still ask you for a scam donation. 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, but some fake charity donation scams are also run by American scammers. Like all the other India scammers, these fake donation scams also spoof thousands of fake Caller ID names and numbers so you can never call them back on the fake number that shows up on Caller ID. Nowadays, NEVER trust any unsolicited caller who supposedly represents a charity, a pharmacy, a computer support person saying your computer has a virus, a fake robotic recording of a Social Security or IRS officer saying your Social Security has been suspended or you have unpaid back taxes, a fake debt collector threatening you for fake debts, a fake recording from Amazon/Microsoft/Apple/Verizon/AT&T/bank, 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 Indian) should immediately be treated as a scam until carefully proven otherwise. Scammers often use fake Caller ID or VoIP phone numbers that they change every day. Legitimate businesses never use hundreds of area codes and tens of thousands of fake Caller ID phone numbers where you cannot call them back. They are all FAKE and they all try to steal your credit card information to charge thousands of dollars or they ask for your bank and personal identity information. 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. It is really very simple and easy to avoid phone and email scams. Sometimes I love to play with these scammers by pretending to be a gullible target and stringing them along on the phone call for 30 or 60 minutes so I can at least waste their time and prevent them from scamming someone else while I cook and eat and toy with them.

June 16, 2020