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Ask Slashdot: How Would You Stop a Debt Collection Scam From Targeting You?
An anonymous reader writes "I'm currently being targeted by an overseas debt collection scam. My landline rings every 10-15 minutes all day every day. I considered getting a blacklisting device to block the incoming calls, but the call center spoofs a different number on my caller ID each time, and it's gotten to the point where I've just unplugged the phones. I'm already on the Do No Call Registry and have filed a complaint with the FTC. Aside from ditching my landline, changing my number, and/or blowing a whistle into the receiver anytime I actually pick up, are there any real solutions out there? Has anybody had luck with a blacklisting device?"
Plug in a fax machine.
If they're using anything decent it will detect the fax signal and remove you from the calling.
what's a landline?
...just change your number. I know you said you're looking for alternatives, but, if you have your phone unplugged already, then you're not able to receive calls. Unless you need to call out and have your number recognized, it might just be easier to change it. I'm not sure what sort of device will be able to blacklist random numbers without missing some calls that you actually want to receive.
There are companies you can hire to screen your calls.
All your calls are forwarded to them and they'll answer the phone.
You give them instructions on how to handle your calls and they'll only pass through the calls that you want.
[Fuck Beta]
o0t!
Are you so sure its a scam? Are you sure you were the one being scammed? That sounds like an awful lot of persistence and effort for some confidence man to go thru.
I would think by now the nominal scam-er would have determined you are not being taken in by it and moved on to try their grift on some other mark.
If I were you I'd get a credit report and make sure someone had not stolen my identity and opened a bunch of other credit lines that these guys are now trying to collect on because some other fraudster used your name.
Repeal the 17th Amendment TODAY! Also Please Read http://www.gnu.org/philosophy/right-to-read.html
I tend to just answer, and then say "Just hold on a sec..." and then put the phone down and continue watching TV. Like someone else said that then costs them time/money. If my father in law is visiting, I just hand him the phone and he can tell stories from his childhood endlessly. He loves an audience.
Pick up the phone. Ask them who they're calling from, have them spell your name specifically, state you "do not recall" such alleged debt. If you can, record the call. ("It's for my own records" if they ask.) Don't ever give them ANY information. If they insist on collection, ask them to send you a physical claim. If such arrives, find a defect and tell them about it when they call back. (unless, of course, they have an actually-toll-free number, which they have to pay for.)
Oh, and always, ALWAYS make them repeat themselves. Repeat yourself ad-naueum, as well.
Just don't make any false statements, or agree to the validity of any debt you are not willing to pay.
(Honestly, though, I'd expect a scam to drop at "I'm recording this call, and your name is?")
The main reason for this is how unrestricted the legitimate debt collectors are. When there is an unchallenged predator in any environment, there will always be those trying to masquerade as one. The only way to stop this is to make it illegal to have debt collectors outside of the jurisdiction of the callee. But that's not going to happen. Local police can always verify that a certain so-and-so is a private detective. Why shouldn't they be able to verify that a certain so-and-so is a legitimate debt collector? As it stands, even the mob can get into this business. As long as the callers are outside of the jurisdiction, there is no way to challenge them in case of abuse. This is why many people feel vulnerable enough to submit to such scams.
Any guest worker system is indistinguishable from indentured servitude.
temporarily forward your number to another debt collection agency. let them battle it out.
let ur friends know to contact u via your cell in the interim.
My God can beat up your God. Just kidding...don't take offense. I know there's no God.
I have a portable phone/answering matching on landline with me DSL bundle. I kept getting this call from India about credit card problems even though I dont own a credit card, my credit is sooooo bad I destroyed it when I was 18 and got sued by banks which I never showed up or paid and since I own no assets they wasted money suing... Now I'm in my 40s
Anyhow the trick to stop the shit India calls coming in 4 and 5 times per day was sadly be as offensive and racist and vile and shocking as possible, become a Chan kid as if they od'd on Ritalin hehe
I had some chick get so mad she was screaming at me in a foreign language, the a supervisor took over her call and acted as ic was going to apologize, so I blasted him with racist to sexual to US outsourcing call centers so they can make 50 cent an hour blah blah. He got to yelling in his own language, I kept having fun looking up how to give death threats and rape daughters in their language. The line goes dead ....
Its now been a year and 2 months and my phone has not range once except for my family and occasional doc appt reminder
Go nuts and go the sicker the better, it works and you'll enjoy the cathartic moment of destroying them to the point they start screaming some foreign gibberish while you laugh and know them dumbasses won't call you ever again.
I did this a few years ago when I had a similar problem with a collection agency that was looking for a former renter. I changed my answering machine message to the intercept tone sequence, followed by a scratchy message that sounded similar to the telco's automated message:
"We're sorry, your call cannot be answered at this time. Please check the number or contact the operator... (3 second delay) Or if you're a friend just leave a message at the beep." *BEEP*
My friends thought it was hilarious and the collectors usually hung up long before the part about leaving a message kicked in. It took a couple of months, but the calls finally stopped.
Now a friend of mine who was being harassed took a different track. He would answer the phone and listen politely to find out who they were looking for. Then he would start yelling at the collector, claiming he was owed a large sum of money from the same person. He would accuse them of being a friend of the debtor, demand they reveal where he was and threaten to sue them to get his money back. The calls stopped soon afterwards.
Your mileage may vary, etc. etc.
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Set up a whitelisting system. Meaning, calls you enter into the white list are passed on to you. Everything else gets forwarded to my mentally ill mother.
Now, before anyone says this is cruel, she LOVES talking on the phone. In fact, if it were an Olympic sport, she'd be on the podium each time. In fact, I have to keep her number blacklisted because she'd call me 400-500 times a month.
---- The above post was generated by the Turing Institute. Maybe.
This is why Google Voice is awesome. You can whitelist or blacklist easily, without knowing anything advanced about phone systems. Thus it's almost impossible to be trolled or scammed this way at your actual Google number, and since that's the number you would give out, your number you actually forward to can be changed whenever necessary.
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Scammers? Get a 900 number and make EVERYONE pay to talk to you. I guarantee you'll spend LESS time on the phone. Why should you take a loss when people waste your time with their inane babble, needs, wants and desires? I suppose you could get a private cell for those close to you, but, the general public, business interests and anyone WANTING something needs to pay toll.
*Repent!Quit Your Job!Slack Off!The World Ends Tomorrow and You May Die!
I work for a phone company in the US. There's basically no way to stop these. When the call comes in, there's no way to know where it came from. Just change your number. You could do some things to try and get off their list but the fact of the matter is, if you're on their list, you're on THE list and this wont be the last problem you'll have. Your number will get sold and re-sold.
Lastly, to get targeted the way you did usually means they got a "hit" on your number... meaning one of their cons worked. If you're not already aware of them ripping you off, you should check your finances carefully to be sure they haven't already gotten some money from you. If they're calling you that much it's because they think you bit before so you'll bite again.
Some years ago I coded an answering machine based on a voice modem. With it, any number that was not on my list of “friends, relatives, or businesses”, went into the game. The game consisted of a series of questions by a robotic voice which required a key pad response. Anyone willing to play the game finally ended up with a reply of “Invalid response. Goodbye.”. I used mgetty, festival, and a few minor pearl scripts to interface with an old US Robotics voice modem. Worked like a jewel once the bugs were out. My new computer doesn't have a serial interface so that answering system is on a shelf for now. But, it was fun to sit back and see if anybody wanted to play.
No, usually the people on the other end are just poor souls with a lousy job. They are often not the ones running the scam.
Being rude to the call center individual doesn't help. They will still call you back. If you hang up on them they will just call the next person on the list.
The scammers' big investment is in the human time at the call center. Take all the human time you can to make the calls expensive. Ask them questions about the details of the fake bill. Describe how someone already called but they described it differently and ask them to tell you why it is different. Or tell them stories about your pet, your days in school, describe your favorite youtube videos, talk about politics, or (as was posted above) try to sell them your own products. Sometimes you can even try the line that you need to do something (check on the baby, go to the bathroom, call on the other line, etc) and put the phone down for five minutes as they wait on the line.
Keep them on the phone and tie up their resources. If they are busy talking to you (who know the scam) then they aren't calling the more vulnerable people. If you can keep a rep on the phone for a half hour or an hour, that might be twenty other people they don't call.
//TODO: Think of witty sig statement
Debt collectors other than the original lender all tend to be committing fraud one way or another. Here is one answer that has worked for me. You get a nonsense collection call. Listen to the pitch and then ask that since you were polite enough to listen would they listen to you for a moment. If they say yes you have set the hook. Tell them you would bet money that they were recently hired. The chances are that that is quite true. Collection companies try to claim to pay on a percentage of recovered money. Then ask the collector if the people sitting around him seem to be recent hires as well. Next tell him it is a scam to get him to work for free. The way it works is the guy will get two weeks in and even if checks have come in they company will not admit it or post it. After two weeks they will fire him for lack of collections and he will never receive a penny for his efforts. I have done this and the collector instantly confronted the phone room manager and loudly quit on the spot. The manager was the owner and he called back ten minutes later and said I could not do that as advertising for new help was expensive. I told him i would do it every time a got a call. companies sell these debts for a couple bucks each so the initial lender can charge them off against taxes, The supposed collector owns the debt but he may only collect on one in 500 debts he purchases. So if you are costing him money by causing his employees to quit he will take your suggestion to rip up the debt paper absolving you of the debt. Get them any way you can.