Debt, Loans & Credit
Fake debt collectors, loan fees, and credit-repair promises.
'Lower Your Interest Rate' Robocall
A robocall from 'card services' promises to lower your credit-card interest rate for a fee, then charges you and does nothing.
Read the guide →Advance-Fee Loan Scam
A 'lender' guarantees a loan regardless of your credit but requires an upfront fee to 'release' the funds — you pay, and no loan ever arrives.
Read the guide →Business-Loan / Grant Broker-Fee Scam
A 'broker' promises fast business funding or a government grant but requires upfront broker, application, or 'insurance' fees — for funding that never comes.
Read the guide →Buy-Now-Pay-Later Account Takeover
Scammers phish or hijack your buy-now-pay-later account to make purchases in your name, or open BNPL plans using your stolen identity.
Read the guide →Credit-Repair 'Guaranteed' Upfront Fee Scam
A company promises to erase bad credit or guarantee a higher score for an upfront fee — but charging before results and guaranteeing removals are illegal and ineffective.
Read the guide →Debt-Relief / Settlement Enrollment Scam
A 'debt-relief program' (sometimes posing as government) charges upfront fees and has you stop paying creditors, often leaving you worse off with fees and damaged credit.
Read the guide →Fake Debt-Collector Scam
A caller demands immediate payment on a debt — often one you don't owe — and threatens arrest, lawsuits, or wage garnishment to pressure you.
Read the guide →Payday-Loan 'Processing Fee' Scam
A quick-cash lender approves you instantly but requires a 'processing' or 'verification' fee first — you pay and receive no loan.
Read the guide →Phantom-Debt Collection (Debt You Don't Owe)
Collectors pursue a debt you never actually incurred — often citing an old payday loan — using your leaked personal info to make it sound real.
Read the guide →
Not sure which one you’ve got?
Paste the message into ScamSplainand we’ll tell you what it looks like.