Ignore Unexpected Calls About Loans You Didn’t Apply For

Have you received a voicemail from an unknown caller reminding you about a $52,000 (could be a different amount) loan that you did not apply for? Scammers make these calls to try to throw you off balance. They are hoping you’ll respond first and think later. You may already know how to spot phone scams, but in case you need a refresher, here’s how to spot this one.

Some of these scam calls may state you are “prequalified” for a loan (you’re not) or state that the application is almost finished and needs a few more details from you (not true). Scammers may say things like “I hope you don’t miss out,” “no pressure,” or offer to take you off the call list…if you call them back. (These are all pressure tactics.) The caller wants you to give them personal information like your Social Security, bank account numbers, or birth date over the phone.

Scammers often make these “urgent” calls multiple times a day and sometimes from different numbers. They will try to wear you down and get you to call back. Do not respond – not even to “opt out.” If you are getting calls like these on your cell phone:

• Never call back. If you do, it could lead to more scam calls.
• Don’t trust caller ID. Scammers use fake or “spoofed” names and numbers to make calls look local, like real companies, or like the government.
• Block the number. Check your phone’s settings, online app store, and your phone provider’s website to find out what call-blocking or call-labeling services are available to stop unwanted scam calls before they reach you. If any calls get through, they’ll show up as “spam” or “scam likely” on your phone screen.

Source: https://consumer.ftc.gov/consumer-alerts/2025/09/ignore-unexpected-calls-about-loans-you-didnt-apply

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