Is UnitedHealthcare Really Calling From 763-274-3899? What You Need to Know

Picture this: it’s a Saturday morning, and your phone rings. The caller ID reads “UnitedHealthcare.” Curious, you answer, and a voice greets you:

“Hello, this is UnitedHealthcare. We’re calling about a claim you filed. Unfortunately, the claim was denied due to missing information. Can we verify your full name and date of birth to proceed?”

It sounds legitimate. But soon, the tone shifts. The caller switches to Mandarin or insists you speak to their “manager,” warning about possible identity theft or legal issues if you don’t cooperate.

Reports from numerous people confirm that calls from 763-274-3899 are fraudulent, leveraging the trusted name of UnitedHealthcare to steal personal information. Here’s what’s happening and what you need to know.

This information is based on reports from individuals who may have experienced or encountered potential scams. Scammers often use or imitate legitimate phone numbers from businesses and government agencies to deceive people. Always verify the legitimacy of any communication before taking action.This article is intended for informational purposes only and does not provide definitive conclusions about the legitimacy of any entity or individual.

What’s Happening With This Number?

Real-life reports about this number reveal common themes and tactics used by scammers:

1. Fabricated Insurance Claims:

   • Recipients report being told about claims they allegedly filed for medical procedures in China, such as appendectomies or hospital visits. These claims are entirely fabricated and are used as a pretext to gather personal information.

2. Caller ID Spoofing:

   • The number appears as “UnitedHealthcare” on caller ID, adding a layer of deception. This spoofing tactic makes it harder to distinguish these calls from legitimate ones.

3. Language Targeting:

   • Callers often switch to Mandarin or another language based on the recipient’s name or initial responses. This tactic builds trust and targets Chinese-speaking individuals or immigrants.

4. Aggressive and Persistent Behavior:

   • Many report receiving multiple calls in a day, sometimes as many as 10 in a short time span. This kind of relentless pursuit is highly unusual for legitimate businesses.

5. Manipulative Tactics:

   • The callers use fear, urgency, and confusion to pressure victims into complying. For example, they may warn about identity theft or fraud investigations if you refuse to cooperate.

What Victims Have Described

Reports from individuals who have received these calls paint a clear picture of the scam:

• “I was told I filed a claim for a medical procedure in China. The caller knew my name and email address, but when I asked for documentation, they refused and got defensive.”
• “They started in English but switched to Mandarin when I responded. They said my insurance information had been used fraudulently and wanted me to verify personal details.”
• “They claimed I needed to visit their office in New York to resolve a serious fraud issue. When I said I’d report them to the police, they hung up.”
• “They called late at night, repeatedly, without leaving any voicemails. Legitimate companies don’t act this way.”

How the Scam Works

The scammers employ several techniques to appear legitimate and manipulate their targets:

1. Spoofed Caller ID: – The phone number appears as “UnitedHealthcare” on caller ID, lending credibility to the call. This tactic convinces recipients to answer, believing they are dealing with a trusted organization.

2. Fear-Based Narratives: – Scammers create urgency by claiming there’s a denied insurance claim, a fraudulent medical procedure, or possible identity theft linked to your information. This fear tactic is designed to pressure victims into acting quickly without verifying the claims.

3. Persistent Calling: – Victims report receiving multiple calls in rapid succession, sometimes 10 or more in a day. This relentless approach wears people down, increasing the chance that they’ll answer and engage.

4. What Scammers Are Looking For: – The goal of these calls is to collect sensitive personal information that can be used for identity theft or financial fraud. This includes:

   • Full names and dates of birth
   • Social Security numbers
   • Addresses and email details
   • Insurance information
   • Banking or payment details

These details can be used to access your accounts, open fraudulent lines of credit, or sell your data on the black market.

What You Should Do

If you receive a call from 763-274-3899, take the following steps to protect yourself:

1. Do Not Answer Unfamiliar Numbers: Let unknown numbers go to voicemail. Legitimate callers will leave a message.
2. Do Not Share Personal Information: Never provide sensitive details over the phone unless you initiated the call and verified the recipient’s identity.
3. Verify Directly: If the call seems legitimate, contact UnitedHealthcare or your insurance provider directly using the phone number on your insurance card or their official website.
4. Educate Others: Warn family members, especially those who may be more vulnerable, like older adults or non-native English speakers.
5. Block the Number: Use your phone’s blocking feature to prevent further calls.

Conclusion

Calls from 763-274-3899 have been widely reported as part of a coordinated scam operation. These calls often involve claims about denied insurance or fraud investigations, designed to trick individuals into sharing sensitive information. Scammers use tactics like fake caller IDs, fabricated stories, and high-pressure behavior to appear legitimate and create urgency.

To protect yourself, remain cautious and avoid providing personal information over the phone. If you receive a call claiming to be from a trusted organization like UnitedHealthcare, hang up and verify the information by calling their official customer service number, found on their website or your insurance card. By staying alert, sharing what you know, and reporting suspicious activity, you can help stop these deceptive schemes.