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Fake Visa and Master Card scam call by madarchod criminals phoning from India This is a fake credit services scam call by criminals phoning from India, trying to steal your credit card numbers, Social Security number, date of birth, and personal information. There are hundreds of these India scams where they either pretend to be fake debt collectors threatening you for debts that you do not owe, offer to lower the interest rate on a fake student loan that you do not have, consolidate all your debts at 0% interest, or give you an unsecured $100,000 line of credit. This call begins with a pre-recorded robotic speaker who says: "This call is from Visa and Master Card Department on the behalf of credit bureau Experian, we are giving our honorable invaluable clients lower rates also we will guarantee to save you a minimum of 2500 dollars in interest and finance charges, please press one and feel free to speak with your own accounts manager so they can activate lower rates" If you respond to the call, then you get transferred to the India scammer who tells you that because of your good credit history, he can offer you lower interest rates... he just needs all your credit card numbers and SSN "for verification purposes". More than 95% of all North America phone scams originate from crowded phone rooms in India that rotate through hundreds of different fraud, extortion, and money laundering scams every day such as pretending to be a fake pharmacy, posing as fake Social Security officers saying your benefits are suspended or fake IRS officers collecting on fake unpaid back taxes or fake bill collectors threatening you for fake unpaid debts, pretending to offer fake health insurance, car warranty, and debt, student loan forgiveness, credit card consolidation services, posing as Amazon to falsely say that an unauthorized purchase was made to your account or that your Prime membership was auto-debited from your credit card or bank account, posing as Microsoft or HP to say that your software needs renewal or they detected a problem with your computer, fake "we are refunding your money" or "your account has been auto-debited" scams, fake Google/Alexa listing and work-from-home scams, pretending to be DHL, UPS, or a bank, falsely stating that they installed ransomware virus on your computer and you need to pay them money, etc, and the scammers try to steal your credit card, bank account and routing number, or Social Security number and personal information. Many scammers try to gain your trust by asking for you by your name when they call, but the autodialing software is just dialing thousands of phone numbers and automatically displaying your name when your number is dialed from a phone database that contains millions of names, numbers, and addresses in the U.S. Many India scammers now phone you with an initial pre-recorded robotic person speaking English, Spanish, or Chinese that is easily generated using text-to-speech translation software to disguise the origin of their India phone room, but then you speak to the India scammer when you take the bait and respond to the pre-recorded message. Scammers always either use disposable VoIP phone numbers (e.g. MagicJack devices) or they spoof fake Caller ID phone numbers. 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. India scammers often spoof fake toll-free Caller ID numbers that begin with "8". The Caller ID name and number is often useless with scam calls unless the scam setup asks you to phone them back and the Caller ID area code is almost never the area from which the scam call actually originated since many scams use fake area codes from across the U.S. and Canada, and also purposely faked foreign country Caller ID numbers (e.g. fake women crying "help me" emergency scams often use fake Mexico and Middle Eastern Caller ID numbers). Some India scammers also spoof the actual real phone numbers of businesses such as Apple, Verizon, and U.S. banks so when you phone the number back, you realize that you were scammed from the spoofed Caller ID number of the actual business. What is the best way to avoid being scammed by a phone call? Never trust any unsolicited caller or 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. Phone and email scams snowball for many victims - if your personal or financial data is stolen, either through a phone or email scam, clicking on a malicious website, or by a previous data breach of a business server that stores your data, then your personal data gets shared and sold by scammers on the dark web who then prey on you even more. And that is one main reason why some people receive 40+ scam phone calls every day while others receive only 1 or 2 scam calls per day. Credit card numbers sell for $5 to $20 on the dark web, bank account numbers and email passwords sell for as much as $500, and Social Security numbers sell for $1 to $10 just for the number or more than $300 if the SSN includes full name, address, date of birth, and drivers license number. India scammers do not care about the U.S. National Do-Not-Call Registry and asking scammers to stop calling has no effect. I love to play with these scammers and keep them on the phone by pretending to be interested in their scam because many scam victims are the senile elderly. You do these scammers a favor by yelling at them and immediately hanging up. But you ruin their scams by slowly dragging them along on the phone call, calling them back if their phone number can be phoned, pretending to be interested in their product or service, pretending that you are worried when they threaten you, always giving them fake credit card numbers and fake personal information, asking them to speak louder and to repeat what they said to use up more of their energy, pretending to innocently ask the scum why he is shouting profanities at me, etc. The best defense against phone scammers is a good offense by not quickly hanging up the phone, but instead toying with them for at least 10 or 20 minutes to use up more of their time and energy so they have less time to deceive an elderly victim. Never give an unknown caller your credit card number or Social Security number. Companies who already have your information may ask for the last four digits for verification. Some India scammers ask for your bank account and routing number or ask you to wire transfer them a payment, giving a fake explanation that they cannot accept a credit card or personal check. This is an instant scammer alert because scammers can withdraw money if they know your bank account and routing number (e.g. counterfeit cashed checks) and illegal wire transfers are far less traceable than unauthorized credit card charges. India scammers may threaten to have you arrested, but the IRS, Social Security Administration, and debt collectors cannot threaten to arrest or sue you on the phone; they are required to send you paper notices by registered mail. The police and FBI also will never phone you and say that officers are coming to arrest you (many India extortions threaten to send officers); if the police really want to arrest you, they just show up with a warrant without phoning first. Some India scammers ask you to use your browser to visit a website that allows the scammer to directly access and control your computer and then they can install a ransomware virus to extort money from you, or they ask you to download a virus file to your computer. If the scam sounds very authentic, ask the scammer for their verifiable company name, street address, and a callback number that can be searched and matched to the company name and address, which all real businesses will provide. Every Indian scammer will immediately fail this test since they all use spoofed fake Caller ID numbers or VoIP numbers that they quickly dispose of. Never trust any unsolicited call because they are mostly scammers, usually with a slight or strong Indian foreign accent, and most scam calls originate from India. No other foreign country is infested with numerous noisy sweatshops filled with phone scam criminals who belong to the lowest India caste and many are thieves, robbers, and rapists who were serving jail sentences but released early due to prison overcrowding. Most India scammers are men, but many are women who also readily shout profanities. Just laugh at them. Google "Hindi swear words" and memorize some favorites to piss on these scammers, e.g. call him "Rundi Ka Bacha" (son of a whore) or call her "Rundi Ki Bachi" (daughter of a whore).