Puerto Rico's 787 area code is facing aggressive fake debt collection and credit repair scams. These callers harass you to pay off old or fake debts and trick you into sharing banking info.
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People claiming to be from "Transworld Systems" call Puerto Rico residents about fake debts for companies like Liberty, AT&T, Auxilio Mutuo, and Pavia Hospital. They refuse to explain why they are calling until you confirm your full name, claim the call is "being recorded" and mention a "protocolo bobo," and pressure you about debts from companies you never used or accounts you already settled. They use your confirmed identity and any payment information to steal money or open new accounts in your name. Real debt collectors identify themselves and the debt immediately.
"No contesten la llamada, se hacen pasar por una agencia de cobro y te piden pages por deudas inexistentes, son convincentes. MUCHO CUIDADO NO CAIGAN… ES FRAUDE. Bloqueen el número."
Callers from "PAS, Programa de Ayuda Simple" or "Advisor Solutions" call with warnings about a "negative report" or that your credit is "in danger." They claim they received your information from the "financial system" but cannot name the specific bank that referred you, threaten that your accounts will be canceled if you don't act, and become angry when you question them. They use any personal information you provide to steal your identity or charge you for worthless credit repair services. Credit monitoring companies do not call strangers about their credit scores.
"Recibí una llamada de una mujer diciendo que me iba a hacer una encuesta sobre mi crédito. Luego, volvieron a llamar diciendo que su sistema reflejaba que había un problema con mi crédito y que de no arreglarlo mis cuentas serían canceladas."
Scammers call or text claiming your ATH Móvil account is suspended or showing fraudulent activity, often using phone numbers that look very similar to official Banco Popular numbers. They ask for your login information, password, or PIN to "unlock" or "verify" your account and create panic by claiming you will lose access to your money immediately. They use your login credentials to drain your bank account. Banks never call asking for passwords or PINs to resolve security issues.
"SCAM/FRAUD Alert! they will call saying your ATH MOVIL (money payment tool widely used in Puerto Rico) is suspended and will ask for personal information to unlock it. in reality, they will drain your account. beware!"
Callers stay completely silent, play music, or hang up immediately after you answer, and calling back often gives a "destination number not found" message. The calls repeat several times a day without leaving messages, sometimes just connecting to a beep with no one speaking. These automated systems use your answer to confirm your number is active and sell it to other scammers for future fraud attempts. Answering even for a second marks you as a target for more scam calls.
"I have received about 8 calls from this number on various dates. Have not answered because cell identifies as scam. I've called back and a voicemail states that the # cannot be found."
No, area code 787 is not a scam. It's a legitimate telephone area code serving millions of legitimate residents and businesses in Puerto Rico, United States. Area code 787 is a general purpose code that has been in service since March 1, 1996.
You're likely experiencing "Neighbor Spoofing." Scammers fake their caller ID to display local or familiar numbers. If you live in or near Puerto Rico (San Juan, Carolina), or have a 787 phone number yourself, scammers know you're more likely to answer what appears to be a local call.
Other Puerto Rico area codes where scam and spam calls are regularly reported: