Description

Robocalls play a prerecorded message claiming your loan application (which you never submitted) is approved for $15,000–$180,000 at low rates like 5.99%. The script creates urgency: "This is the underwriting department at [Captial Loans Centre, Irvine]. We've been working on your application—call back immediately with application ID [random number] to verify details before it expires." No opt-out is offered upfront. ? Live Call Progression If you call back or press a key (e.g., 9), you're transferred to a live scammer posing as a loan officer. They request "verification": name, SSN, bank details, income, DOB—claiming it's for final approval. You may get a fake "pre-approval," then they're directed to pay a "processing fee" via wire, gift cards, or crypto. Legit-sounding firms (e.g., Better Debt Solutions LLC in Irvine, CA) are named, but they're often shells or untraceable; calls persist regardless