Scam Detective

Scam Campaign

Fake Mortgage Waiver Check Scam with $195 Phony Payment

Identified on 4/22/2026

Primary Entity

phone

8002026231
Low Activity
  • 8 community reports from users

Campaign Narrative

**Scam Campaign Report: Mail-Based Property and Financial Fraud Scheme**

Cybersecurity analysts have identified a coordinated scam campaign utilizing two closely connected toll-free phone numbers: 800-202-6231 and 800-202-6321. These numbers have been reported together by consumers with a confidence level of 0.35, indicating a connected operation despite neither number generating formal FTC complaints to date. The slight variation in the final digits suggests a deliberate pattern designed to create confusion or provide backup communication channels for the scammers.

The campaign operates primarily through sophisticated mail-based solicitations targeting property owners. Community reports describe a consistent pattern where consumers receive official-looking letters claiming to address "an important matter regarding property" at their specific addresses, with references to their "current lender" and mentions of "allocated waiver" rights that can be revoked. The scammers enhance credibility by including what appears to be a check for $195.00, complete with a signature from "William H. Keating," though fine print reveals this is not an actual negotiable instrument.

Consumer impact data shows multiple households have received these deceptive mailings, with victims reporting the professional appearance of the correspondence initially created confusion about legitimacy. While formal complaint volumes remain low at zero FTC complaints for both numbers, community reporting indicates active targeting of homeowners with detailed property information, suggesting the operation may be in early stages or flying under regulatory radar through careful complaint management.

To protect against this and similar schemes, consumers should verify any unsolicited property-related correspondence by contacting their actual mortgage lender directly using contact information from official loan documents, not phone numbers provided in suspicious letters. If contacted by these numbers or similar operations, immediately hang up and do not click any links or provide personal information. Report incidents to the FTC at reportfraud.ftc.gov or file complaints with the FCC for unwanted calls. Consumers can check if phone numbers have been reported as problematic by searching community databases and official complaint portals before responding to any unsolicited contact.

This campaign represents a moderate threat level given the sophisticated mail-based approach and detailed property targeting, though current complaint volumes suggest contained impact. Recommended next steps include increased monitoring of both phone numbers for complaint escalation, coordination with postal inspection services regarding fraudulent mail schemes, and consumer education about property-related scam recognition, particularly the use of fake checks and official-sounding language to establish false credibility.

Entity Roster

Phone Numbers (2)

Data Sources

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