The 904 area code is frequently used for aggressive debt collection calls and car warranty robocalls. Scammers harass you with constant ringing to get payment for debts you do not actually owe.
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Scammers from 904 numbers call Jacksonville residents claiming a "civil complaint" has been filed against you and threatening to serve papers at your home or work. They demand immediate payment for old, often non-existent payday loans from as far back as 2013. They threaten legal action within 24 hours, call your family members with threats, refuse to mail official documentation, and claim a process server is coming but call first to warn you. They use your panic to pressure you into paying money for debts that don't exist. Legitimate process servers do not call ahead to warn you, they just show up.
"Person called from this number acting as if they were an officer of the law. They threatened me with arrest unless I called an 866 number. Upon calling that number, I was directed to use either debit or credit card to pay an already resolved debt. I refused, so was threatened again with arrest."
Jacksonville drivers are bombarded with robocalls about their vehicle's "expiring factory warranty." The call begins with a recorded message, not a live person. They have your vehicle information but can't provide specific details and pressure you to make a decision immediately. Callers become rude, calling you "Dummy" or "F'ing dick" when you decline or ask questions, and continue calling from different 904 numbers even after you block them. They use your vehicle details to sell you overpriced and often useless service contracts. Your vehicle's manufacturer does not use robocalls to sell extended warranties.
"Yup! Been getting a bunch of calls from 904 297-0686, I'll give you one chance to guess what for..... To extend your car's warranty!!!! Ding! Ding! Ding!!"
An automated call claims to be from the Social Security Administration, warning that your Social Security Number has been "suspended" due to fraudulent activity and that an arrest warrant has been issued. The caller ID might be spoofed to say "US GOVT SOCIAL" or "SSI." You are instructed to press 1 to speak with an "officer" to avoid legal consequences. They use your SSN and personal information to steal your identity or empty your bank accounts. The Social Security Administration does not suspend SSNs and does not call to threaten arrest.
"Said there is an arrest warrant issued for me for fraudulent activity on my social security account."
Callers falsely claim to represent local Jacksonville charities like the "Fraternal Order of Police," "Jacksonville Association of Firefighters," or the "Police Athletic League," soliciting donations for causes like "Camp Amigo" or helping children at Wolfson. They become hostile and insulting when you refuse to donate, pressure you for immediate credit card payment, show generic caller ID names like "Balance" or "Available," and refuse to mail information about the charity. They use your payment information to steal from your accounts or make unauthorized charges. Real charities do not use high-pressure tactics or insults.
"Said they were collecting money for a firefighter charity. When I told them I don't do donations or give out my address over the phone, they said 'Oh I see, just ducking and dodging'. Wow, super obvious scammer."
Seniors in the 904 area receive calls from people pretending to be from Medicare, Florida Blue, or a "pharmacy service." These scammers, often with heavy foreign accents, ask you to verify your Medicare or Florida Blue number and offer "free" items like back braces or pain creams that you never ordered. They claim they "have to" call you because they are "with Medicare" and hang up when you ask for a supervisor. They use your Medicare number to fraudulently bill Medicare for supplies you don't need. Contact Medicare directly at 1-800-MEDICARE if you are suspicious. Official Medicare representatives never call to sell products or ask for personal information unless you gave them permission first.
"They keep sending us back braces that we didn't order and billing my Medicare insurance for it. They call at least once a day. When I tell them to stop calling they tell me they have to because they are Medicare. They are not Medicare."
Homeowners receive unwanted calls and texts from individuals using names like "Marco," "Don," or "Jason Palmer" who claim to be investors wanting to buy your property for cash. The calls are completely unsolicited and "out of the blue," use friendly generic scripts often starting with "Hey, this is Marco," fish for information about whether you plan to sell soon, and continue repeatedly from slightly different numbers. They use your interest to connect you with high-pressure sales tactics or collect your personal information for identity theft. Reputable professionals do not rely on harassing, high-volume robocalls to find clients.
"No. Hey, this is Marco. And I know this call is a little out of the blue me calling here, but I'm actually reaching out to homeowners in your area and seeing if you or anyone, you know, might be interested in selling their house."
A robocall creates panic by claiming a large fraudulent purchase has been made on your account. Reports from the 904 area mention fake orders for an "Apple MacBook Pro" for $1,499 or an "iPhone." The automated message creates urgency to act immediately and instructs you to press 1 to speak with a representative and cancel the order. They use your account passwords and payment details to steal from your real accounts or make unauthorized purchases. Amazon and Apple never call you to confirm orders or ask for personal information to cancel them.
"I received a call from this number to authorize a payment of $1,499 for an order for an Apple MacBook Pro. I did not authorize this - I have no knowledge of this order... This is a fraudulent attempt to accesss my Amazon account!"
No, area code 904 is not a scam. It's a legitimate telephone area code serving millions of legitimate residents and businesses in Florida, United States. Area code 904 is a general purpose code that has been in service since July 11, 1965.
You're likely experiencing "Neighbor Spoofing." Scammers fake their caller ID to display local or familiar numbers. If you live in or near Florida (Jacksonville, Lakeside, Fruit Cove), or have a 904 phone number yourself, scammers know you're more likely to answer what appears to be a local call.
Other Florida area codes where scam and spam calls are regularly reported: