Have you received a call that goes something like this:
“Hi, this is Jessica from the loan approval team. We’re almost done processing your loan, but we need to verify some details about your income. Please call us back at 877-867-5139 before 5 PM Pacific Time today.”
Sound familiar? If you’ve received a message like this, you’re not alone. Hundreds of people have reported getting similar calls, all pointing back to this toll-free number. But here’s the big question: is this legit, or is it just another scam?
Let’s break it down together so you can protect yourself and your personal information.
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 Going On
Here’s what we’ve uncovered from dozens of reports about this number:
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The Script Doesn’t Change Much
- Every call seems to feature “Jessica” (or another generic name) claiming to be from a “loan approval team.”
- The messages all sound eerily similar. They talk about verifying income for a loan—often one you didn’t even apply for.
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Calls From Random Numbers
- People are getting calls from all over the place: Miami, Colorado, Kentucky—you name it. But no matter where the call originates, the callback number is always 877-867-5139.
- Spoofing local numbers is a classic scammer move to make the call seem legitimate.
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Didn’t Apply for a Loan? Same Here.
- The majority of people reporting these calls say they never applied for a loan in the first place.
- One person even joked about the same “application ID” being given to everyone. If that doesn’t scream scam, I don’t know what does.
How This Scam Likely Works
Here’s the playbook scammers seem to be using:
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They Hook You With a Lie
- The call claims your “loan” is almost finalized, creating a false sense of urgency.
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They Reel You In
- When you call back, they’ll ask for sensitive information—like your income, Social Security number, or banking details. Sometimes, they’ll even ask for upfront fees to “finalize” the loan.
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They Set the Trap
- If you provide this information, you could become a victim of identity theft, lose money, or worse.
How to Handle Calls Like This
If you’re getting calls like these, here’s how you can protect yourself:
- Don’t Share Any Information: Legitimate companies don’t cold-call asking for personal details.
- Check Your Loan Applications: If you’re in the middle of applying for a loan, contact the lender directly using the phone number on their website.
- Block the Number: Use your phone’s blocking feature and report the call to the FTC.
- Stay Calm and Think Critically: Scammers love to create urgency. Take a moment to breathe and evaluate. If something feels off, it probably is.
So, Is 877-867-5139 a Scam?
Based on everything we’ve seen, the answer is almost certainly yes. The overwhelming number of reports about similar messages, coupled with the shady tactics, make it clear this is not a legitimate business.
So the next time you hear from “Jessica” or the “loan approval team,” you know what to do: block, report, and move on. Stay safe out there!
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