This scam campaign appears to involve fraudulent loan and funding offers using multiple phone numbers with reported connections to legitimate mortgage company Ready Capital Corporation. The campaign primarily uses phone number 844-509-3148, which has generated 4 FTC complaints and is connected to a second number, 920-978-0468, through consumer reports indicating the numbers are used together in coordinated calling schemes.
The scammers are impersonating loan officers and funding representatives, with community reports describing callers identifying themselves as "Veronica Garcia with the loan review department" and claiming consumers have previously declined funding requests. One victim reported receiving a voicemail about a $67,000 approved funding application requiring income verification, with the callback number differing from the original caller ID. These tactics appear designed to create urgency and legitimacy around fake loan approvals. The connection between phone 844-509-3148 and Ready Capital Corporation in consumer reports suggests scammers may be falsely claiming affiliation with this legitimate mortgage lender, which has 65 CFPB complaints on file.
The campaign shows geographic targeting patterns across Missouri and Nevada, with specific complaint concentrations in Conway, Missouri, Henderson, Nevada, and Las Vegas, Nevada. A particularly concerning community report with 101 upvotes describes targeting of elderly consumers, specifically mentioning a 90-year-old grandmother who became a victim after losing her spouse, indicating scammers may be deliberately targeting vulnerable senior populations.
To protect yourself from this campaign, verify any unsolicited loan offers by contacting the claimed company directly using official contact information from their website, not numbers provided by callers. Legitimate lenders do not typically cold-call consumers about pre-approved loans or previously declined applications. If you receive suspicious calls from these numbers, hang up immediately, do not click any links in related messages, and report the activity to the FTC at reportfraud.ftc.gov or file a complaint with the FCC. You can check if a phone number has been reported as suspicious by searching consumer protection databases and community reporting sites before engaging with unknown callers.
This campaign presents a moderate threat level given the targeting of vulnerable elderly populations and the impersonation of legitimate financial institutions. Consumers should exercise heightened caution with unsolicited funding offers and verify all loan communications through independent channels. The coordination between multiple phone numbers suggests an organized operation that may continue evolving its tactics.