scam

April 16, 2025

Don’t answer

November 8, 2024

This is a fake phantom debt collection scam! This is what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a debt collector, bank, 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 debt collection scams have vastly increased this year to prey upon the larger number of people in debt. Although more than 90% of all North America scam phone calls originate from crowded phone rooms in India and the Philippines that run numerous fraud, extortion, and money laundering scams every day such as pretending to be fake pharmacies, posing as fake Microsoft, Amazon, and Apple representatives, and pretending to offer credit cards and student loan forgiveness, some of these phantom debt collection scams are committed by Americans, but many phantom debt scams also come from India and Philippines scammers who use text-to-speech translation software to generate a pre-recorded message without a foreign accent. Another version of these phantom debt collection scams is the frequent extortion scams perpetrated solely by Indians posing as Social Security or IRS officers threatening to sue or arrest you for fake unpaid back taxes. The 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. Scammers use huge phone database listings of millions of names with phone numbers and addresses to have the autodialer automatically say your name and display the name that is currently dialed. The scammer may say "this call may be recorded" or "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 says you can settle the debt by paying with a credit card, prepaid debit card, eBay/Amazon gift card, or demands that you wire transfer the payment, or asks for your bank account/routing number. Here is how to tell the difference between a real debt collector and a scammer: A debt collector must tell you specific information about your debt such as the name of the creditor and the exact amount owed. A scammer either avoids providing this information or says very vague or totally false information. A real debt collector will mention the name of the creditor on the first phone call. A scammer tries to sound very ominous and threatening, but never gives any precise details. A debt collector has to mail you a printed-on-paper "validation letter" within 5 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. If you do dispute the debt in a paper mail sent to them, all collections phone calls must stop during the time while the debt collector obtains verification of the debt. Scammers always pressure you to settle a debt immediately on the phone, often demanding that you make a wire transfer from your bank that can be untraceable; this is very common with India 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 others about your debts. Scammers will ask for your bank account/routing and credit card numbers and Social Security number, whereas real debt collectors will not. Scammers often tell you that they cannot reveal the reason for their call until you tell them your SSN. You do not need to provide your SSN to a debt collector to prove your identity! You can ask the caller to tell you the SSN or other information that they have on file for the debt to verify if it is your debt. Real debt collectors will ask for other forms of identification if you refuse to provide even the last four digits of your SSN, such as the account number for the debt in question, your current or previous address, your phone number, or one or more of your most recent transactions with amounts and dates for the account that they are calling about. 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 India scammers will also immediately fail this test since all of the India scammers use spoofed fake Caller ID numbers or disposable VoIP numbers. If you suspect a scam, contact the creditor that the debt collector claims to be working for and find out who has been assigned to collect the debt. Mail a cease-and-desist registered letter, with return receipt delivery notification, to the debt collector saying you do not want to be called again. That will not remove the debt. But once the letter is received, third-party collectors (companies hired by others to collect a debt) may not contact you again with two exceptions: to tell you there will be no further contact, or to let you know that they or the creditor intend to take a specific action, such as filing a lawsuit. Continued phone calls after this letter is received subject violators to a $1000 fine. Phone scammers will never mail you any letters and never give you an address to mail any letters to them (of course, there are other scams that operate through postal mail and email).

February 15, 2023

When I answered the call there was no noise 5 seconds it was a hang up.

October 24, 2022

Known scammer

November 11, 2020

Medical debt collector...screw em'

August 24, 2020

Dell stated they were calling from a hospital

July 31, 2020

Since the stimulus checks came out the scam calls have been increased and they are becoming smarter in making you believe they are legit. Be careful because the lady that called me knew some information. I told her I wasn’t comfortable giving any info over the phone and I asked her to explain what it was for. She said this for a debt I owed from 2017 from a few tests one of my doctors had sent in. She even gave the doctors name. All they need to know is how CCS runs things and that is public knowledge. But if you just do your homework the info she was able to get I.e the doctors name and where they send the tests to are easily accessible. I told her I would need to call them back so she gave me another number saying it was there company number. Everything about this did not seem right. For example a couple hours later I called the other number and it was the same lady. Another thing is this debt was supposedly from 2017 but my office has a procedure for these things so even if during this time I had no insurance, this would have made no difference because as soon as my insurance is back on they pay for anything I owe. I have been through this procedure twice so I know. My place has you sign a paper when your insurance gets cut off mainly just due to not sending in the form on time to renew it. Then when the insurance is back on again you do NOT have to pay for the visits or the tests they send in. That brings up one more thing. When my insurance was shut off the paper they have me sign is just to remind me that if my insurance does not go through I will be responsible for the visit payments only. I have no responsibility towards the test payments At least where I was going we were not responsible to pay for any of the tests they sent out which were rare anyways. So if anyone does happen to get a call and they give out info to make you believe they are legit still do your research. Do not just ask one of your ccs doctors because like one of mine they may believe it is serious and tell you to take care of it. Talk to your receptionist and the doctor they name on file. They always have what you owe on file and they will constantly remind you. At least they do this where I go. They are very up on everything which makes thing very easy and less stressful as they do not want anything bad to happen to you. And if I did owe them money she would have let me know. I have the best receptionist :). The scammers will try to make you feel comfortable while at the same time telling you that if it does not get paid ASAP it will count against you and you will get in trouble with something. This makes me very angry knowing that some poor people not knowing any better fall for these scams because as I said they are becoming smarter about how to go about it. PLEASE SPREAD THE WORD SO THAT MORE PEOPLE WILL NOT FALL FOR THIS!!

May 22, 2020

missed calll, then returned call, voicemail said it was a debt collector office and that they will redirect my call to a customer service rep

February 6, 2020

scam

January 27, 2020

They didn’t talk.

January 24, 2020

I don’t have any debt so I’m going to say this is a scam. Nice try, though.

December 30, 2019

fake debt collector

December 12, 2019

Credit Collection Services

November 13, 2019

Probably wrong number

November 11, 2019

Saying I had federal warrants and wanting money

October 10, 2019

I’ll pay em when I can, so harrassssing

August 30, 2019

Calling for some else

March 30, 2019

Very suspicious and could be acting as a debt collector

March 30, 2019

No clue

December 19, 2018

Hi hate them calling

December 13, 2018