Liberty Stone Capital Scam Calls EXPOSED: Fake Loan Approval Warning
Written by: Thomas Orsolya
Published on:
Random calls claiming to be from “Liberty Stone Capital” are being reported as fake loan approval robocalls. The message says you have qualified for an unsecured loan of up to $65,000 and urges you to press a number before the end of the business day.
You are not alone if you received one of these calls. The pattern matches known loan scam tactics: unsolicited contact, fake urgency, large pre-approved loan claims, and pressure to speak with a representative.
Scam Overview
The Liberty Stone Capital scam calls appear to be part of a larger wave of fake loan robocalls targeting people with offers they never requested. The voicemail usually claims to be a “priority call” from a loan approvals department and says the recipient has qualified for a large unsecured loan.
Reported versions of the call mention loans of up to $65,000, urgent approval deadlines, and instructions to press 7 to speak with a representative. RoboKiller has logged similar Liberty Stone Capital call transcripts, including messages about unsecured loan approvals and urgent loan files. (Robokiller Lookup)
The wording is designed to sound official. It may say your “profile” qualifies, your “file” has been flagged as urgent, or your approval must be finalized before the end of the day. These are pressure tactics, not proof of a real loan.
The FTC warns that unexpected calls about loans you did not apply for are often scams. These callers may claim you are prequalified or that an application is nearly complete, then ask for personal information such as your Social Security number, birth date, or bank account details.
In many cases, the scam can also turn into an advance-fee loan scheme. The caller may say you are approved, but you must first pay a processing fee, insurance fee, document fee, or verification charge. The FTC states that companies promising loans while demanding upfront fees are operating a scam.
The Call Script People Are Receiving
A commonly reported version says something like:
“Hi, this is a priority call from Liberty Stone Capital. We need to reach you regarding your loan file. This is the loan approvals department. Based on your profile, you’ve qualified for an unsecured loan of up to $65,000, and your monthly payment could be as low as [amount] per month. Your file has been flagged as urgent, and we need to finalize your approval before end of business. To claim your pre-approval and speak with a representative, press 7.”
This script has several scam indicators:
You did not apply for the loan.
The loan amount is large.
The approval sounds almost guaranteed.
The message creates urgency.
You are pushed to press a number.
The caller gives vague details instead of clear loan terms.
The company name is used as a trust signal, but the call itself is not independently verified.
How the Liberty Stone Capital Loan Scam Works
1. You receive a random robocall
The scam starts with a voicemail or automated call. The message claims you have a loan file, a pending approval, or a pre-approved unsecured loan.
The call may sound like it is following up on an application, even though you never submitted one. That is intentional. Scammers want you to think there may already be a real process underway.
2. The message claims you qualify for a large loan
The call may mention an unsecured loan of up to $65,000. Other versions of fake loan calls use different amounts, such as $45,000, $70,000, or $75,000.
Large numbers are used to grab attention. If someone needs debt relief, emergency money, or consolidation funds, the offer can sound tempting.
But legitimate lenders do not randomly approve people for large unsecured loans through vague robocalls.
3. The caller creates urgency
The message may say your file is “urgent” or that approval must be finalized before the end of the business day.
This is a classic pressure tactic. Scammers do not want you to stop, search the company name, compare lenders, or ask questions. They want a fast reaction.
4. You are told to press a number
The call instructs you to press 7, press 2, or speak with a representative. This step confirms that your number is active and that you are willing to engage.
Once you press the number or call back, you may be transferred to a fake loan agent.
5. The fake agent asks for personal information
The person on the phone may claim they need to verify your identity or complete the loan file.
They may ask for:
Full name
Address
Date of birth
Social Security number
Employer name
Income
Bank name
Routing number
Account number
Debit card information
Online banking details
This information can be used for identity theft, unauthorized withdrawals, account takeover attempts, or future scam targeting.
6. They may ask for upfront fees
Some fake loan operations eventually claim you must pay a fee before the loan can be released.
They may call it:
Processing fee
Insurance fee
Origination fee
Document fee
Verification fee
Activation fee
Credit repair fee
The FTC warns that upfront payment demands are a major sign of an advance-fee loan scam. Real lenders disclose legitimate fees in writing and do not require suspicious payments before releasing funds. (Consumer Advice)
7. They may request hard-to-reverse payment methods
If the scam progresses, the caller may ask you to pay using:
Gift cards
Wire transfer
Cryptocurrency
Zelle
Cash App
Venmo
Prepaid debit cards
These payment methods are common in scams because they are fast and difficult to recover once sent.
8. They may use your information for identity theft
Even if you do not pay a fee, the scam can still harm you if you share sensitive details.
A fake loan caller may collect enough information to attempt credit fraud, open accounts, apply for loans, access your bank account, or sell your data to other scammers.
Red Flags of the Liberty Stone Capital Scam Calls
Treat the call as suspicious if:
You never applied for a loan.
The call says you are pre-approved or qualified.
The offer is for a large unsecured loan, such as $65,000.
The message says your file is urgent.
You are told to press a number to claim the loan.
The caller asks for your Social Security number.
The caller asks for bank account details.
You are told to pay a fee before receiving money.
You are asked to pay through gift cards, crypto, Zelle, Cash App, wire transfer, or prepaid cards.
The caller refuses to send clear written loan terms.
The company cannot be verified through official licensing channels.
You receive repeated calls from different numbers using similar scripts.
Why the “Pre-Approved Loan” Claim Is Suspicious
A real lender does not approve a large unsecured personal loan based only on a vague “profile.” Lenders normally verify identity, income, credit history, debt obligations, and repayment ability.
A robocall saying you qualify for up to $65,000, especially when you never applied, is not a normal lending process. It is a warning sign.
The FTC has specifically warned consumers to ignore unexpected loan calls when they did not apply, especially when callers claim the application is almost finished and only needs a few more details.
What To Do If You Receive a Liberty Stone Capital Call
Do not press 7.
Do not call back using the number from the voicemail.
Do not provide personal information.
Do not confirm your Social Security number, date of birth, address, or bank account.
Do not pay any upfront fee.
Do not send money by gift card, crypto, wire transfer, Cash App, Zelle, Venmo, or prepaid card.
Block the number and report the call to the FTC at ReportFraud.ftc.gov.
What To Do If You Already Spoke With Them
If you only answered the call
Hang up, block the number, and avoid engaging with future calls. Pressing buttons or speaking with a representative may lead to more scam calls.
If you shared personal information
Act quickly. Contact your bank and tell them your information may have been exposed to a loan scammer.
Place a fraud alert or credit freeze with the major credit bureaus. A credit freeze can make it harder for someone to open new credit accounts in your name. The FTC provides guidance on credit freezes and fraud alerts for identity theft prevention.
If you shared bank details
Contact your bank immediately. Ask them to monitor the account, block unauthorized transactions, and advise whether you need a new account number.
If you paid a fee
Contact your bank, card issuer, payment app, or wire transfer company immediately. Report the transaction as fraud. Recovery is not guaranteed, but speed matters.
If you gave your Social Security number
Freeze your credit, monitor your credit reports, and report possible identity theft through IdentityTheft.gov.
Is Your Device Infected? Scan for Malware
If your computer or phone is slow, showing unwanted pop-ups, or acting strangely, malware could be the cause. Running a scan with Malwarebytes Anti-Malware Free is one of the most reliable ways to detect and remove harmful software. The free version can identify and clean common infections such as adware, browser hijackers, trojans, and other unwanted programs.
Malwarebytes works on Windows, Mac, and Android devices. Choose your operating system below and follow the steps to scan your device and remove any malware that might be slowing it down.
Malwarebytes for WindowsMalwarebytes for MacMalwarebytes for Android
Run a Malware Scan with Malwarebytes for Windows
Malwarebytes stands out as one of the leading and widely-used anti-malware solutions for Windows, and for good reason. It effectively eradicates various types of malware that other programs often overlook, all at no cost to you. When it comes to disinfecting an infected device, Malwarebytes has consistently been a free and indispensable tool in the battle against malware. We highly recommend it for maintaining a clean and secure system.
Download Malwarebytes
Download the latest version of Malwarebytes for Windows using the official link below. Malwarebytes will scan your computer and remove adware, browser hijackers, and other malicious software for free.
(The above link will open a new page from where you can download Malwarebytes)
Install Malwarebytes
After the download is complete, locate the MBSetup file, typically found in your Downloads folder. Double-click on the MBSetup file to begin the installation of Malwarebytes on your computer. If a User Account Control pop-up appears, click “Yes” to continue the Malwarebytes installation.
Follow the On-Screen Prompts to Install Malwarebytes
When the Malwarebytes installation begins, the setup wizard will guide you through the process.
You’ll first be prompted to choose the type of computer you’re installing the program on—select either “Personal Computer” or “Work Computer” as appropriate, then click on Next.
Malwarebytes will now begin the installation process on your device.
When the Malwarebytes installation is complete, the program will automatically open to the “Welcome to Malwarebytes” screen.
On the final screen, simply click on the Open Malwarebytes option to start the program.
Enable “Rootkit scanning”.
Malwarebytes Anti-Malware will now start, and you will see the main screen as shown below. To maximize Malwarebytes’ ability to detect malware and unwanted programs, we need to enable rootkit scanning. Click on the “Settings” gear icon located on the left of the screen to access the general settings section.
In the settings menu, enable the “Scan for rootkits” option by clicking the toggle switch until it turns blue.
Now that you have enabled rootkit scanning, click on the “Dashboard” button in the left pane to get back to the main screen.
Perform a Scan with Malwarebytes.
To start a scan, click the Scan button. Malwarebytes will automatically update its antivirus database and begin scanning your computer for malicious programs.
Wait for the Malwarebytes scan to complete.
Malwarebytes will now scan your computer for browser hijackers and other malicious programs. This process can take a few minutes, so we suggest you do something else and periodically check the status of the scan to see when it is finished.
Quarantine detected malware
Once the Malwarebytes scan is complete, it will display a list of detected malware, adware, and potentially unwanted programs. To effectively remove these threats, click the “Quarantine” button.
Malwarebytes will now delete all of the files and registry keys and add them to the program’s quarantine.
Restart your computer.
When removing files, Malwarebytes may require a reboot to fully eliminate some threats. If you see a message indicating that a reboot is needed, please allow it. Once your computer has restarted and you are logged back in, you can continue with the remaining steps.
Once the scan completes, remove all detected threats. Your Windows computer should now be clean and running smoothly again, free of trojans, adware, and other malware.
If your current antivirus allowed this malicious program on your computer, you may want to consider purchasing Malwarebytes Premium to protect against these types of threats in the future. If you are still having problems with your computer after completing these instructions, then please follow one of the steps:
Malwarebytes for Mac is an on-demand scanner that can destroy many types of malware that other software tends to miss without costing you absolutely anything. When it comes to cleaning up an infected device, Malwarebytes has always been free, and we recommend it as an essential tool in the fight against malware.
Download Malwarebytes for Mac.
You can download Malwarebytes for Mac by clicking the link below.
When Malwarebytes has finished downloading, double-click on the setup file to install Malwarebytes on your computer. In most cases, downloaded files are saved to the Downloads folder.
Follow the on-screen prompts to install Malwarebytes.
When the Malwarebytes installation begins, you will see the Malwarebytes for Mac Installer which will guide you through the installation process. Click “Continue“, then keep following the prompts to continue with the installation process.
When your Malwarebytes installation completes, the program opens to the Welcome to Malwarebytes screen. Click the “Get started” button.
Select “Personal Computer” or “Work Computer”.
The Malwarebytes Welcome screen will first ask you what type of computer are you installing this program, click either Personal Computer or Work Computer.
Click on “Scan”.
To scan your computer with Malwarebytes, click on the “Scan” button. Malwarebytes for Mac will automatically update the antivirus database and start scanning your computer for malware.
Wait for the Malwarebytes scan to complete.
Malwarebytes will scan your computer for adware, browser hijackers, and other malicious programs. This process can take a few minutes, so we suggest you do something else and periodically check on the status of the scan to see when it is finished.
Click on “Quarantine”.
When the scan has been completed, you will be presented with a screen showing the malware infections that Malwarebytes has detected. To remove the malware that Malwarebytes has found, click on the “Quarantine” button.
Restart computer.
Malwarebytes will now remove all the malicious files that it has found. To complete the malware removal process, Malwarebytes may ask you to restart your computer.
After scanning, delete any detected threats. Your Mac should now be free from adware, unwanted extensions, and other potentially harmful software.
If your current antivirus allowed a malicious program on your computer, you might want to consider purchasing the full-featured version of Malwarebytes Anti-Malware to protect against these types of threats in the future. If you are still experiencing problems while trying to remove a malicious program from your computer, please ask for help in our Mac Malware Removal Help & Support forum.
Run a Malware Scan with Malwarebytes for Android
Malwarebytes for Android automatically detects and removes dangerous threats like malware and ransomware so you don’t have to worry about your most-used device being compromised. Aggressive detection of adware and potentially unwanted programs keeps your Android phone or tablet running smooth.
Download Malwarebytes for Android.
You can download Malwarebytes for Android by clicking the link below.
In the Google Play Store, tap “Install” to install Malwarebytes for Android on your device.
When the installation process has finished, tap “Open” to begin using Malwarebytes for Android. You can also open Malwarebytes by tapping on its icon in your phone menu or home screen.
Follow the on-screen prompts to complete the setup process
When Malwarebytes will open, you will see the Malwarebytes Setup Wizard which will guide you through a series of permissions and other setup options. This is the first of two screens that explain the difference between the Premium and Free versions. Swipe this screen to continue. Tap on “Got it” to proceed to the next step. Malwarebytes for Android will now ask for a set of permissions that are required to scan your device and protect it from malware. Tap on “Give permission” to continue. Tap on “Allow” to permit Malwarebytes to access the files on your phone.
Update database and run a scan with Malwarebytes for Android
You will now be prompted to update the Malwarebytes database and run a full system scan.
Click on “Update database” to update the Malwarebytes for Android definitions to the latest version, then click on “Run full scan” to perform a system scan.
Wait for the Malwarebytes scan to complete.
Malwarebytes will now start scanning your phone for adware and other malicious apps. This process can take a few minutes, so we suggest you do something else and periodically check on the status of the scan to see when it is finished.
Click on “Remove Selected”.
When the scan has been completed, you will be presented with a screen showing the malware infections that Malwarebytes for Android has detected. To remove the malicious apps that Malwarebytes has found, tap on the “Remove Selected” button.
Restart your phone.
Malwarebytes for Android will now remove all the malicious apps that it has found. To complete the malware removal process, Malwarebytes may ask you to restart your device.
When the scan is finished, remove all detected threats. Your Android phone should now be free of malicious apps, adware, and unwanted browser redirects.
If your current antivirus allowed a malicious app on your phone, you may want to consider purchasing the full-featured version of Malwarebytes to protect against these types of threats in the future. If you are still having problems with your phone after completing these instructions, then please follow one of the steps:
Restore your phone to factory settings by going to Settings > General management > Reset > Factory data reset.
After cleaning your device, it’s important to protect it from future infections and annoying pop-ups. We recommend installing an ad blocker such as AdGuard. AdGuard blocks malicious ads, prevents phishing attempts, and stops dangerous redirects, helping you stay safe while browsing online.
The Bottom Line
The Liberty Stone Capital pre-approved loan calls should be treated as highly suspicious. The script uses common loan scam tactics: unsolicited contact, large loan promises, urgent deadlines, vague approval language, and pressure to press a number.
Do not engage with the call. Do not press 7. Do not provide personal or banking information. Do not pay any fee to receive a loan.
If you need a loan, apply only through verified lenders, check licensing, review written terms, and never trust a random robocall claiming you have already been approved.
FAQ About Liberty Stone Capital Scam Calls
Is the Liberty Stone Capital call real?
Reported calls using the Liberty Stone Capital name match known fake loan robocall patterns. If you did not apply for a loan and received a random pre-approval call, treat it as suspicious.
Why does the call say I qualify for $65,000?
Scammers use large loan amounts to get attention. A big pre-approved loan can make people call back quickly, especially if they need money or want debt consolidation.
Should I press 7 to speak with a representative?
No. Pressing a number can confirm that your phone number is active and may connect you to a scam operator.
What happens if I call them back?
You may be asked for personal information, bank details, or upfront fees. That information can be used for fraud or identity theft.
Can a real lender call me with a pre-approved offer?
Some lenders may send legitimate pre-screened offers, but a random robocall about a large unsecured loan you never requested is a serious red flag. Always verify the lender independently.
Is it legal for a lender to ask for upfront fees?
A lender demanding payment before releasing a promised loan is a common advance-fee loan scam warning sign. The FTC warns consumers to avoid companies that promise loans but require payment first.
What if I already gave them my Social Security number?
Freeze your credit, place a fraud alert, monitor your credit reports, and report possible identity theft through IdentityTheft.gov.
What if I gave them my bank account number?
Call your bank immediately. Tell them your account information may have been exposed to scammers and ask what protections should be placed on the account.
Can I stop these calls?
You can block numbers, report calls to the FTC, and avoid pressing any buttons. Scammers often rotate numbers, so blocking one number may not stop all future calls.
10 Rules to Avoid Online Scams
Here are 10 practical safety rules to help you avoid malware, online shopping scams, crypto scams, and other online fraud. Each tip includes a quick “if you already got hit” action.
Stop and verify before you click, log in, download, or pay.
Most scams win by creating urgency. Verify using a trusted method: type the website address yourself, use the official app, or call a known number (not the one in the message).
If you already clicked: close the page, do not enter passwords, and run a malware scan.
Keep your operating system, browser, and apps updated.
Updates patch security holes used by malware and malicious ads. Turn on automatic updates where possible.
If you saw a scary “update now” pop-up: close it and update only through your device settings or the official app store.
Use layered protection: antivirus plus an ad blocker.
Antivirus helps block malware. An ad blocker reduces scam redirects, phishing pages, and malvertising.
If your browser is acting weird: remove unknown extensions, reset the browser, then run a full scan.
Install apps, software, and extensions only from official sources.
Avoid cracked software, “keygens,” and random downloads. During installs, choose Custom/Advanced and decline bundled offers you do not recognize.
If you already installed something suspicious: uninstall it, restart, and scan again.
Treat links and attachments as untrusted by default.
Phishing often impersonates delivery services, banks, and popular brands. If it is unexpected, do not open attachments or log in through the message.
If you entered credentials: change the password immediately and enable 2FA.
Shop safely: research the store, then pay with protection.
Be cautious with brand-new stores, “closing sale” stories, and prices that make no sense. Prefer credit cards or PayPal for dispute options. Avoid wire transfers, gift cards, and crypto payments.
If you already paid: contact your card issuer or PayPal quickly to dispute the transaction.
Crypto rule: never pay a “fee” to withdraw or recover money.
Common patterns include fake profits, then “tax,” “gas,” or “verification” fees. Another is a “recovery agent” who demands upfront crypto.
If you already sent crypto: stop paying, save evidence (wallet addresses, TXIDs, chats), and report the scam to the platform used.
Secure your accounts with unique passwords and 2FA (start with email).
Use a password manager and unique passwords for every account. Enable 2FA using an authenticator app when possible.
If you suspect an account takeover: change passwords, sign out of all devices, and review recent logins and recovery settings.
Back up important files and keep one backup offline.
Backups protect you from ransomware and device failure. Keep at least one backup on an external drive that is not always connected.
If you suspect infection: do not connect backup drives until the system is clean.
If you think you are a victim: stop losses, document evidence, and escalate fast.
Move quickly. Speed matters for disputes, account recovery, and limiting damage.
Stop payments and contact: do not send more money or respond to the scammer.
Call your bank or card issuer: block transactions, replace the card if needed, and start a dispute or chargeback.
Secure your email first: change the email password, enable 2FA, and remove unfamiliar recovery options.
Secure other accounts: change passwords, enable 2FA, and log out of all sessions.
Scan your device: remove suspicious apps or extensions, then run a full malware scan.
Save evidence: screenshots, emails, order pages, tracking pages, wallet addresses, TXIDs, and chat logs.
Report it: to the payment provider, marketplace, social platform, exchange, or wallet service involved.
These rules are intentionally simple. Most online losses happen when decisions are rushed. Slow down, verify independently, and use payment methods and account controls that give you recourse.
Thomas is an expert at uncovering scams and providing in-depth reporting on cyber threats and online fraud. As an editor, he is dedicated to keeping readers informed on the latest developments in cybersecurity and tech.
