This scam campaign targets homeowners with deceptive mortgage and home warranty solicitations, utilizing a network of three phone numbers and impersonating or misrepresenting two legitimate mortgage companies. The operation centers around phone numbers 8052218124, 8042218124, and 8582565439, which have been reported together in consumer complaints. These numbers are connected to Michigan Mutual, Inc., a mortgage company with 43 CFPB complaints, and My Mortgage, Inc., which has 7 CFPB complaints. All cross-entity relationships show moderate confidence levels of 0.35, indicating consistent co-reporting patterns across multiple consumer reports.
Consumer reports reveal a sophisticated mail and phone-based operation targeting homeowners with false urgency tactics. Victims receive mailings claiming their property home warranty is expiring or has already expired, with 8052218124 listed as the only contact method along with a representative named Eric Henderson. Another variant involves mailings from "Home Warranty Division of Sun East FCU" requesting responses to avoid unspecified consequences, using customer IDs like HDU1ABGW7226 to appear legitimate. Particularly concerning, one consumer reported receiving identical mailings for three years, and when contacting the company listed in the correspondence, the legitimate business denied any association with the solicitation.
The campaign demonstrates persistent targeting of the same consumers over extended periods, with victims receiving repeated mailings over multiple years. The scammers appear to be impersonating legitimate financial institutions and creating fake divisions or departments to lend credibility to their solicitations. The use of specific customer identification numbers and official-sounding department names like "Home Warranty Division" suggests a calculated effort to deceive homeowners into believing these are legitimate business communications requiring immediate response.
To protect yourself from this type of scam, always verify any mortgage or warranty communications by contacting your actual service provider directly using official contact information from your original paperwork or their verified website. Do not use phone numbers provided in unsolicited mailings. If you receive suspicious calls from these numbers, hang up immediately and do not provide any personal information. Never click on links in suspicious emails or texts related to mortgage or warranty services. Report these scams to the FTC at reportfraud.ftc.gov or file complaints with the FCC. You can verify if a phone number has been reported as suspicious by checking community reporting websites and official consumer protection databases.
This campaign represents a moderate-level threat with sustained targeting capabilities and sophisticated impersonation tactics. While the phone numbers show zero FTC complaints, the consistent co-reporting patterns and persistent multi-year targeting indicate an active operation. Consumers should remain vigilant about unsolicited mortgage and warranty communications, particularly those creating false urgency about expiring services. The recommended next step is increased awareness among homeowners about these deceptive practices and continued monitoring of these connected phone numbers and any associated entities for escalating complaint patterns.