This scam campaign involves a coordinated mortgage-related phishing scheme operating through three connected toll-free numbers: 844-892-0209, 877-899-1809, and 833-370-3995. The numbers are linked through same campaign relationships with confidence levels of 0.70, indicating they are part of a unified fraudulent operation. Additionally, these numbers have been reported together by consumers, with 844-892-0209 showing the strongest connections to both other numbers and serving as the primary contact point in the campaign.
The scammers are impersonating legitimate mortgage servicers and using physical mail to reach potential victims. Community reports describe receiving green and light blue postcards with urgent messaging such as "Important Notice: Immediate Response Needed" regarding the recipient's mortgage. These postcards include fake mortgage ID numbers and claim to be from entities like "Evolve Bk&Tr" while directing victims to call 844-892-0209. The company My Mortgage, Inc., which has 7 CFPB complaints in the mortgage industry, has been reported together with phone numbers 844-892-0209 and 833-370-3995, suggesting either impersonation of this legitimate business or potential misuse of its identity in the scam operation.
The campaign's consumer impact appears to be in its early stages, with limited formal complaints filed to federal agencies (0 FTC complaints across all three numbers). However, the physical mail component and professional appearance of the postcards suggest a sophisticated operation designed to appear legitimate and urgent. The use of multiple toll-free numbers indicates the scammers are prepared to scale their operations and may be testing different approaches before expanding their reach.
To protect yourself from this and similar mortgage scams, always verify any mortgage-related communications by contacting your actual loan servicer directly using the phone number on your official mortgage statements, not the number provided in unsolicited mail. Legitimate mortgage servicers will not demand immediate responses through urgent postcards with vague threats. If you receive suspicious mortgage-related communications, do not call the provided numbers or click any links. Instead, hang up on unsolicited calls and report the activity to the FTC at reportfraud.ftc.gov or file a complaint with the FCC. You can verify if a phone number has been reported as fraudulent by searching consumer protection websites and checking with your state's attorney general office.
This campaign represents a moderate threat level due to its sophisticated use of physical mail and professional presentation, though current complaint volumes remain low. Consumers should remain vigilant for similar postcards and verify all mortgage communications through official channels. The coordinated use of multiple phone numbers suggests this operation may expand, warranting continued monitoring and public awareness efforts.