Who called from 4694538171

I found this info. under Texas Law since this phone number is coming out of the Dallas Area

The person calling is either attempting Telemarketer Fraud or Violating Debts Collection Laws.

Telemarketing Fraud
Telemarketing fraud is a billion dollar business in the United States. A fraudulent telemarketer will call a consumer with some sort of fictitious product, service, or prize; talk with the consumer for awhile, then get the consumer to divulge his or her credit card number or a checking account number. Later, a fraudulent telemarketer may make unauthorized charges or withdrawals against the consumer's account. Senior citizens are a favorite target of fraudulent telemarketers. While people over age 65 comprise only 12 percent of the national population, they make up 30 percent of telemarketing fraud victims.

Once a consumer has lost money to a fraudulent telemarketer, it is difficult to get it back. Telemarketing con artists are quick to close up shop and move to another city or state to avoid police. The best way for a consumer to protect himself or herself is to be able to identify fraudulent telemarketers before becoming a victim. A telemarketer may be a con artist if:


•The telemarketer uses high-pressure tactics

•The offer sounds too good to be true

•The consumer must act "now"--or the offer will no longer be good

•The telemarketer is unwilling to provide references or written material to back up his or her claims

•The telemarketer asks for a credit card or checking account number for any reason other than to make a purchase (i.e. for "verification" purposes, to pay shipping and handling, redemption fees, gift taxes, etc, on a purportedly "free" gift or prize)
Consumers should not allow themselves to be pressured and should take the time to make prudent decisions. A consumer also should request written information about the product or the company; check with the Texas Attorney General's Consumer Protection office or the local Better Business Bureau to see if any complaints have been filed against the company; and ask what recourse is available should the product be unsatisfactory. Under Texas law, companies are required to be registered and bonded as telemarketers. Consumers may check with the Texas Secretary of State to determine if a company has met these requirements. A consumer also may contact the local Chamber of Commerce to see if the telemarketer is a member, or may contact the Assumed Names division of the local county clerk's office to see if the telemarketer has registered its business name. If necessary, a consumer should simply hang up the phone if he or she suspects the caller of fraud.

Under Texas law a telemarketer may not call consumers at home before 9 a.m. or after 9 p.m. on a weekday or Saturday, or before noon or after 9 p.m. on Sundays. The law also requires that a telemarketer provide the consumer with the name, street address, and phone number of the business for whom the telemarketer is calling, as well as the name of the person calling and the names and titles of those in charge of the business. A note of caution, however: fraudulent firms often will change names to avoid detection. Any contract made as a result of a telephone sales call is not valid and enforceable against a consumer unless the contract is put in writing; fully describes the same goods or services discussed on the telephone; contains the name, address, and business telephone number of the seller; and sets out in full the total price, and any terms and conditions affecting the sale. Texas law further provides that a telemarketer (except a public charity) must offer a full refund for all undamaged and/or unused goods returned by the consumer within seven days after the consumer received the goods or services. The seller must process the refund within 30 days after the consumer returns the merchandise or cancels an order for undelivered goods.

Consumers can protect themselves from disreputable telemarketers by requesting full information before completing any transactions. If the telemarketer refuses to comply with these requests, simply hang up.

Debt Collection
Texas has very specific guidelines regulating what debt collection agencies can and cannot do when attempting to collect unpaid debts. Most of these regulations are set forth in the Deceptive Trade Practices-Consumer Protection Act. Under Texas law debt collectors cannot:


•Falsely accuse the debtor of fraud or other crimes

•Use or threaten to use violence or other criminal acts to collect the debt

•Threaten arrest of the debtor, or threaten to repossess or seize property of the debtor without proper court proceedings

•Make collect telephone calls to the debtor without disclosing the true name of the caller before the charges are accepted

•Harass the debtor or the debtor's family with frequent communication, by calling anonymously, or making frequent or continuous calls

•Use profane or obscene language

•Mail any documents to the debtor that falsely appear to be from a court or other official agency

•Misrepresent the amount of the debt or falsely claim that legal action has been taken.
The federal Fair Debt Collection Practices Act also governs debt collection practices, specifically regulating those collectors who work for professional debt collection agencies and attorneys hired to collect debts. While similar to the Texas law, the federal statute also provides that these collectors cannot:


•Communicate with a debtor before 8 a.m. or after 9 p.m.

•Call the debtor at work if the collector has reason to know that the debtor's employer does not permit such calls
A consumer who disputes a debt should send written notice to the debt collector detailing the nature of the dispute. The debt collector must then provide the consumer with information on how to contest the debt, and, upon request, must assist the consumer in completing the necessary forms. The debt collector must respond to a consumer's request within 30 days after receiving the written notice of the dispute, and must correct any improperly reported item.

A consumer who feels a debt collector is using improper, harassing, or fraudulent collection methods should notify the collector in writing that he or she wants to stop all further contact from the collector. The consumer should keep a copy of the letter and mail the original to the collector by certified mail. A consumer also may seek a civil injunction and damages against a collector, and/or may report violations to the Office of the Attorney General to determine if civil or criminal actions may be taken against the collector.

Thiseate number just called my best friend's sister looking for me!  They told my friends sister that I was wanted for bank fraud.  A Mrs. Samm called me later and threaten me.  She rattled off my social security number asking me to verify it.  I told her to not call me and hung up.  She called twice after that and I hung up.  I am so glad I looked this number up on the internet and saw this blogs.  What do I do now?

My sister called me with this phone number saying that they were trying to contact a friend of mine. She told my sister that her name was Investigator Simms or Sams. I did call the number and left a message to be contacted vis my cell phone. When I left the message there was no mention of an investigator only a Ms. Samm or Sands???? I did leave my phone number and did receive a call back. I asked this lady WHY ARE YOU CALLING MY SISTER IN TEXAS who has no knowledge of the person she was wanting to contact. My sister was told initially that this person was under investigation for BANK FRAUD. The person on the other end asked me to please hold and she had to talk to her supervisor. I waited 18 minutes. Thinking that I had been accidentally disconnected by some inexperienced CSR I called back and left again my phone number.
By then I was getting suspicious. My friend in question called me and told me that she had just received a call from the same number. The person ( a woman) was very accusitive and said that this person owed $7,000.00 to some bank. This woman had this person's SS#. HMM...this person is living in poverty and does not even have a bank account. Oh and yeah I never received a return call....Please help us stop this selfish enterprise that creates stress for the poor and those who are being innocenty targeted. FOR THOSE WHO HAVE THE POWER HELP US STOP THIS FINANCIAL AND EMOTIONAL ABUSE FOR ALL INVOLVED.

This lady calling from this number lies so bad she cannot remember her name as it changes from Simms to Samms ....  This is definately someone comitting fraud ....