All of us, including myself, have had this happen to them.  I took a different approach.  These guys are actually, mostly, collage kids trying to earn there bread and butter.  It is so rediculous as americans that there is nothing to do about this. Ive read that police officers have tried to call them and all they do is hang up the phone.  They did the same thing to me and I CALLED BACK.  I told the man, which turned out to be a 22 year old collage kid, that I knew that it was a fraud and he was working for a fraud. He hung up.  In January I applied for a loan, over the internet, long story short, I did'nt need it.  So I never got the loan. So I got hung up on again. So I called back again. Got the same guy every time.  The land line is frome Gorgia but they are based in india. I talked for a while to this guy.  He has everything about me from my S.S to my work #.  I told him he is working for a cheat.  He then said I know ,my boss is cheating everyone ,there is little work here and I dont know what else I can do for money.  Economy is bad in india and some rich basterd has hired a bunch of collage kids to do his dirty work. I also had the exact same conversation with another kid, 20 , Landline based out of Utah. He also said, after calling back the same way i've done before, that YES his boss is a fraud. I asked them to take me off of there lists, because its a waste of there and my time, the both said they would. We will see.