Is 877-941-9581 a Scam? Here’s What You Need to Know

877-941-9581

If you’ve been getting calls from 877-941-9581, you’re not alone. Many individuals have reported receiving unexpected calls about loans they didn’t apply for, persistent messages, and interactions that seem questionable. Could it be a scam? Based on the experiences shared, it’s a possibility worth considering.

 

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.

 

The Evidence Against 877-941-9581

Here’s a breakdown of what people are reporting about this number:

  1. Unsolicited Loan Offers Many individuals have received calls and voicemails about loan applications they never made. The voicemails often claim that crucial information is missing for a loan, with loan amounts ranging from $50,000 to $90,000. In every case, the recipients have no knowledge of applying for a loan, which is the first red flag.

    • One user shared that they received a voicemail daily for 11 days, with different caller IDs but the same callback number of 877-941-9581. The loan was supposedly with “First Horizon Funding” or “Prime Rating Funding”—two names that were used interchangeably, raising suspicion.
  2. Automated and AI Voices Many people report that the calls feature an AI-generated voice delivering the message about the loan. This is a common scam tactic. The use of AI allows scammers to scale their operations without needing a live person on the other end for every call.

    • As one commenter, “Tom,” shared: “It’s the same AI voice saying the same thing about a loan application that needs to be approved.” After receiving these calls for two months, they stopped answering altogether.
  3. Inconsistent Company Names The company behind these calls seems to change frequently. Several people reported that they were contacted by “First Horizon Funding,” while others heard names like “Skyline Lending,” “Elite Lending,” or “Prime Rating Funding.” Legitimate businesses rarely change their identity like this, but scammers often use multiple names to avoid detection.

    • One recipient, “NatL,” pointed out that the company names varied, with the AI voice sometimes claiming to represent Horizon, First Horizon, Skyline, or Elite Lending—all giving the same callback number, 877-941-9581.
  4. Aggressive and Rude Responses In cases where people actually called back, the interactions were far from professional. One individual, “Paula,” recounted how she spoke to someone claiming to be a loan representative. When she declined to provide personal information, the representative was rude and dismissive, further solidifying the impression that this was not a legitimate business.

    • Another commenter, “Suzanne,” described being rudely hung up on after confronting the caller about never having applied for a loan. The representatives made no effort to act like a reputable company.
  5. Multiple Daily Calls One of the biggest red flags is the sheer persistence of these calls. Several individuals report being bombarded with calls daily, with messages about loans they didn’t apply for. These calls often come from different numbers, but they all ask the recipients to call back 877-941-9581.

    • “Fred” mentioned that he had been receiving daily calls for over 40 days, each one claiming he needed to provide information to finalize an $80,000 loan application. Like many others, he had never applied for a loan.

The Scam Playbook: How They Operate

Scams like this one typically work by using fear, urgency, or greed to manipulate victims. In this case, the scammers are using loan offers—something that might sound appealing, especially if someone is in financial distress. They create a sense of urgency by claiming that the loan application is incomplete and requires immediate attention.

Once the victim calls back, the scammer’s goal is to extract personal information, such as Social Security numbers, bank account details, or other sensitive data. In some cases, they may even try to convince the victim to send money upfront, either as a “processing fee” or as part of a fake debt relief program.

If you’ve received one of these calls, you’ve likely been targeted by this type of scam. The best course of action is to avoid engaging, block the number, and report it to your local consumer protection agency.

How to Protect Yourself

Here are a few steps you can take to protect yourself from phone scams like this one:

  • Never provide personal information over the phone, especially if you didn’t initiate the call.
  • Research the company before engaging. A quick Google search can often reveal whether a company is legitimate or part of a scam.
  • Block the number. If you’re receiving calls from a suspicious number, use your phone’s call-blocking features.
  • Report the number. You can report scam numbers to the Federal Trade Commission (FTC) or your local consumer protection agency.

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