Scam Calls from Area Code 645

Debt-reduction pitches define area code 645, accounting for 330 of the 675 total complaints logged against this Florida-assigned code since it first appeared in February 2026. That single category represents roughly 49 percent of all complaints, dwarfing every other scam type tracked here. The calls originate from numbers spread across Miami, Pembroke Pines, Seffner, Jacksonville, and North Miami Beach, and complaints have also been filed by recipients in California and Texas, indicating the operation is not limiting itself to in-state targets.

Within the debt-reduction cluster, four numbers stand out by volume. 645-235-2701 has drawn 7 complaints, while 645-210-9689 and 645-210-3611 each carry 6 and 5 complaints respectively, and 645-209-6842 has collected 4. The FCC data for this code shows a tilt toward live-agent calls, with 44 live-call records against 31 prerecorded ones, suggesting these debt pitches are being delivered at least partly through real callers rather than pure robocall blasts.

The second-largest identified category is impersonation, with 45 complaints filed under calls pretending to be government agencies, businesses, or family members. Dropped or silent calls account for 42 complaints, and two numbers, 645-202-7059 and 645-202-7058, are responsible for 10 and 6 of those respectively. Their sequential numbering points to a shared dialing infrastructure being used to probe or pre-screen targets before a live pitch follows.

Vacation and timeshare solicitations add 9 complaints, centered on 645-245-1518 with 4 of them, and computer and technical support scams contribute a further 3. These categories are minor in scale but consistent with the broader pattern of financially oriented fraud running through this code.

Area code 645 ranks 29th out of 43 codes in its peer group by complaint volume, a position that understates the concentration risk here. The debt-reduction campaign has been active for five months with no sign of tapering, the live-agent delivery model allows callers to adapt in real time to a recipient's responses, and the geographic spread of the infrastructure across multiple Florida cities suggests an operation with enough redundancy to absorb individual number-level blocking.