This scam campaign centers around a sophisticated impersonation scheme targeting consumers through multiple coordinated tactics involving financial services fraud, debt collection scams, and home warranty schemes. The operation uses three primary phone numbers that are consistently reported together: 872-304-1490, 808-400-9543, and 877-913-1764. These numbers are systematically connected through consumer reports, indicating a coordinated campaign where scammers rotate between different contact methods to avoid detection.
The scammers are impersonating multiple legitimate companies to add credibility to their schemes. FIRST HAWAIIAN, INC., a legitimate banking institution with 302 CFPB complaints on file, is being falsely represented by callers who claim fraudulent transactions are on hold with victims' checking accounts. The operation also misrepresents ACCOUNT SERVICES INC. (8 CFPB complaints, debt collection industry) and ACCESS GROUP INC. (149 CFPB complaints, student loan industry) to target consumers across different financial service sectors. All three phone numbers show reported-together relationships with FIRST HAWAIIAN, INC. at a 0.35 confidence level, demonstrating the coordinated nature of this impersonation campaign.
Community reports reveal the multi-faceted approach of this scam operation. Victims report receiving home warranty scams from 877-913-1764, with letters signed by "Andy Perkins, Program Director" claiming final notice of warranty lapse without identifying the actual business. Another pattern involves Middle Eastern-accented callers using 808-400-9543 to leave mortgage audit messages that redirect victims to call 872-304-1490. Most concerning are reports of bank impersonation where scammers contact victims claiming to be from local banks, alleging fraudulent transactions on checking accounts while sending phishing links to harvest login credentials and requesting security codes.
To protect yourself from this campaign, never provide personal information, login credentials, or security codes to unsolicited callers claiming to represent banks or financial institutions. Legitimate banks will never ask for passwords or security codes over the phone or request you click links in unexpected messages. If contacted by any of these numbers or similar claims, hang up immediately and contact your bank directly using the phone number on your official bank card or statements. Do not click any links sent via text or email from unknown sources. Report these scam attempts to the FTC at reportfraud.ftc.gov or file complaints with the FCC. Before responding to any suspicious communication, verify the legitimacy of phone numbers through reverse lookup services and check company complaints through the CFPB database.
This campaign represents a moderate to high threat level due to its sophisticated multi-vector approach combining bank impersonation, home warranty fraud, and phishing attempts across interconnected phone numbers. The coordination between phone numbers and systematic impersonation of established financial institutions suggests an organized operation. Consumers should immediately block the identified numbers 872-304-1490, 808-400-9543, and 877-913-1764, and remain vigilant for similar tactics using different contact methods. Financial institutions and consumer protection agencies should be alerted to monitor for expanded variations of this impersonation scheme.