645-842-7595

I have received two calls from this number and I didn't answer as I don't know who it is.  I am glad to see that someone has posted info on this.  Thanks

Yeah- I got a few calls from them too.  I answered, but they didn't say anything...  very sketchy.  Also got a text saying I was approved for a loan.

03-24-2010 Received a call - hard to understand the caller.  He was either Pakistani or Indian based on his accent.

Scamming for personal information.

Number not familar..did not answer. Called late last night and just now.  Annoying!!!

PROBABLY AN ADVANCE FEE LOAN SCAM -THERE IS NO LOAN

they tell you have been approved -BUT the lender requires several months payment before releasing the funds - you WIRE them the money - NO loan they then tell you they NEED more upfront MONEY- they will continue this BS until you finally realize they are ripping you off and demand a refund - they will state 30 days and will be long gone and stop answering that phone number -  

Advance-Fee Loan Scams: ‘Easy’ Cash Offers Teach Hard Lessons
http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.shtm

Advance-Fee Loan Scams: ‘Easy’ Cash Offers Teach Hard Lessons
Looking for a loan or credit card but don’t think you’ll qualify? Turned down by a bank because of your poor credit history?

You may be tempted by ads and websites that guarantee loans or credit cards, regardless of your credit history. The catch comes when you apply for the loan or credit card and find out you have to pay a fee in advance. According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, that could be a tip-off to a rip-off. If you’re asked to pay a fee for the promise of a loan or credit card, you can count on the fact that you’re dealing with a scam artist. More than likely, you’ll get an application, or a stored value or debit card, instead of the loan or credit card.

The Signs of an Advance-Fee Loan Scam
The FTC says some red flags can tip you off to scam artists’ tricks. For example:

A lender who isn’t interested in your credit history. A lender may offer loans or credit cards for many purposes — for example, so a borrower can start a business or consolidate bill payments. But one who doesn’t care about your credit record should give you cause for concern. Ads that say “Bad credit? No problem” or “We don’t care about your past. You deserve a loan” or “Get money fast” or even “No hassle — guaranteed” often indicate a scam.
Banks and other legitimate lenders generally evaluate creditworthiness and confirm the information in an application before they guarantee firm offers of credit — even to creditworthy consumers.
Fees that are not disclosed clearly or prominently. Scam lenders may say you’ve been approved for a loan, then call or email demanding a fee before you can get the money. Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for “insurance,” “processing,” or just “paperwork.”

Legitimate lenders often charge application, appraisal, or credit report fees. The differences? They disclose their fees clearly and prominently; they take their fees from the amount you borrow; and the fees usually are paid to the lender or broker after the loan is approved.

It’s also a warning sign if a lender says they won’t check your credit history, yet asks for your personal information, such as your Social Security number or bank account number. They may use your information to debit your bank account to pay a fee they’re hiding.
A loan that is offered by phone. It is illegal for companies doing business in the U.S. by phone to promise you a loan and ask you to pay for it before they deliver.
A lender who uses a copy-cat or wanna-be name. Crooks give their companies names that sound like well-known or respected organizations and create websites that look slick. Some scam artists have pretended to be the Better Business Bureau or another reputable organization, and some even produce forged paperwork or pay people to pretend to be references. Always get a company’s phone number from the phone book or directory assistance, and call to check they are who they say they are. Get a physical address, too: a company that advertises a PO Box as its address is one to check out with the appropriate authorities.
A lender who is not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney General’s office or your state’s Department of Banking or Financial Regulation. Checking registration does not guarantee that you will be happy with a lender, but it helps weed out the crooks.
A lender who asks you to wire money or pay an individual. Don’t make a payment for a loan or credit card directly to an individual; legitimate lenders don’t ask anyone to do that. In addition, don’t use a wire transfer service or send money orders for a loan. You have little recourse if there’s a problem with a wire transaction, and legitimate lenders don’t pressure their customers to wire funds.

Finally, just because you’ve received a slick promotion, seen an ad for a loan in a prominent place in your neighborhood or in your newspaper, on television or on the Internet, or heard one on the radio, don’t assume it’s a good deal — or even legitimate. Scam artists like to operate on the premise of legitimacy by association, so it’s really important to do your homework.
Finding Low-Cost Help for Credit Problems
If you have debt problems, try to solve them with your creditors as soon as you realize you won’t be able to make your payments. If you can’t resolve the problems yourself or need help to do it, you may want to contact a credit counseling service. Nonprofit organizations in every state counsel and educate people and families on debt problems, budgeting, and using credit wisely. Often, these services are low- or no-cost. Universities, military bases, credit unions, and housing authorities also may offer low- or no-cost credit counseling programs. To learn more about dealing with debt, including how to select a credit counseling service, visit ftc.gov/credit.


Where to Complain
If you think you’ve had an experience with an advance-fee loan scam, report it to the FTC.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

April 2008

Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"
http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt028.shtm
Just When You Thought It Was Safe...Advance-Fee Loan "Sharks"
A different breed of "loan shark" is preying on unwary consumers by taking their money for the promise of a loan, credit card or other extension of credit.

Advertisements and promotions for advance-fee loans "guarantee" or suggest that there's a high likelihood of success that the loan will be awarded, regardless of the applicant's credit history. But, to take advantage of the offer, the consumer first has to pay a fee. And that's the catch: The consumer pays the fee, the scam artist takes off with the money, and the loan never materializes.

Legitimate guaranteed offers of credit do not require payments up front. Legitimate lenders may require consumers to pay application, appraisal or credit report fees, but these fees seldom are required before the lender is identified and the application completed. In addition, the fees generally are paid to the lender, not to the broker or arranger of the "guaranteed" loan.

Legitimate lenders may guarantee firm offers of credit to credit-worthy consumers, but they rarely do this before evaluating a consumer's creditworthiness.

Advertisements for advance-fee loans generally appear in the classified section of daily and weekly newspapers and magazines. Often, the ads feature "900" numbers, which result in charges on your phone bill. Advance-fee loans also are promoted through direct mail and radio and cable TV spots. The appearance of ads in media outlets that you recognize - like your local newspaper or radio station - is no guarantee of the legitimacy of the company behind the ad.

The Federal Trade Commission says you can avoid being bitten by advance-fee loan sharks: Here's how:

Don't pay for a promise. It's illegal for companies doing business by phone to promise you a loan and ask you to pay for it before they deliver.
Ignore any ad - or hang up on any caller - that guarantees a loan in exchange for an advance fee. Legitimate lenders never "guarantee" or say that you will receive a loan before you apply, especially if you have bad credit or no credit record.
Never give your credit card or bank account numbers, or Social Security Number, over the telephone unless you are familiar with the company and know why the information is necessary.
The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

May 2000


16 Ways You Can be Phone Scammed

18 Nov 2008
When we started 800Notes.com we had no idea that telemarketing fraud comes in so many flavors. The variations include 'cramming', 'slamming', credit card scams, calls from telemarketers pretending to be IRS, sweepstakes and lotteries scams, advance fee  loan scams, phone toner scams, fat finger dialing scams, and area code phone scams.
Typically the goal is to get you to reveal personal, bank account information, or to make you do something that will result in unwanted charges on your account. Individuals and businesses are equally affected by these scams although the schemes might be different.
In this article I will outline the 16 most popular phone scams. I am sure there are more, so if you have been a victim of a phone scam, or you know of a phone scam not mentioned here, please share it with me and the readers in the comments.
Send this article to your family members, co-workers, and employees. Give it to your teenage kids and elderly parents (studies show they are the most vulnerable to the scams). As the old saying goes, "Forewarned is Forearmed".

5.    Advanced Fee Loan Scams: In this scenario a telemarketer promises a consumer a loan or a credit card on very attractive terms. All the consumer has to do is just send a processing fee, or provide checking account info, and the offer was guaranteed. To make the offer sound even more attractive the scammers might throw in a free laptop, an iPod, or any other 'hot item'. After the payment is made the company disappears, and the victim is often left with an empty checking account and NSF (Non-sufficient funds) bank fees.

Thanks for this

called me while I was at work, asked for me i wasnt home then they hung up....very very rude, for a "professional" place to do that.....but from what i hear its all a scam.......

I received a call from this number.  After a period of silence and some music, a gentleman mentioned that we had been approved for an auto loan.  I mentioned we had not applied for an auto loan, at which point he hung up.  This sounds like it fits in with the "ADVANCE LOAN SCAM" as mentioned by lamet above.

Just got a call from this number.  Did not answer as it had a "+" in front of the number.  I do not know anyone overseas.  Figured it was a telemarketer/scam artist.  Some people can't live an honest life.

I got the call on my cell. Did not answer. Glad I checked here.

This is some Auto Loan place... they state that you have filled out an online form and they want you to verify your information! BEWARE!!!

They tried calling my cell number twice this afternoon.  Did not answer as I did not recognize area code and number.  Glad I didn't based on comments above.  Thanks.

This company has been calling and harrassing my family about something they claim my under age child did online.  They call at all hours and threaten me if they do not get to talk directly with my son even though I tell them he is a minor. They also call back under a 611-215-3252 number as well.

Yeah, this dot-head called today while I was having lunch in a gun-toting bar. First, I asked him what he was wearing. Then, I bragged on the sexual appetite and skills of his mother. I was getting ready to give him a proper cussing, but he hung up on me. Can anybody get him to call me back?

They called me today. They said i need to give them info and i said please take me off your call list. He then told  me to suck his blank and they are gonna sue me.

Received call from this number.I ask what they wanted and this person asked for some random name. I had to have him repeat it, because his Indian accent was so thick, after which he told me I needed to learn english. I responded with a, "Kiss my Ass" and ended call.

This person called me three times today, all within a five hour period. I called back and it said the phone line was not in use. Where can I report this?

I just called the FTC to report the number.  The person that I spoke with advised to add my cell phone number to the do not call list after she had completed the incident report.

hey i was looking up the ara code and found this sight..i just recived a call from 645-842-7595..i missed the call but didnt reconize the number ~10:30 sat 3/3

It is not even noon and this number has called me 5 times. I finally added them to a block call list on my phone. I am on the do not call list and they still call.