Active Legal Case

IHL Is Being Held Accountable

An active legal case is being pursued against Independence Home Loans and connected entities for systematic violations of federal and state telemarketing laws. The case is based on documented evidence of 90 illegal calls to a single 100% disabled veteran, and investigation has uncovered the telemarketing infrastructure behind the operation.

If you've been targeted by IHL, your experience matters. Additional victim reports strengthen the case and help establish the pattern of abuse. Submit your report here.

What We Know

A 100% disabled veteran in Maryland received 90 unsolicited telemarketing calls over several months from numbers spoofed to appear local. Consent was explicitly revoked on the very first call. Despite 34+ requests to stop, the calls continued -- including one placed even after a formal cease-and-desist letter was sent and a regulatory complaint was filed with the Maryland Office of Financial Regulation.

IHL responded to the regulatory complaint claiming it was "unable to locate any call record" and that its vendors confirmed DNC compliance. The calls continued anyway.

The Operation

Investigation has identified the following entities involved in the telemarketing campaign targeting veterans:

Independence Home Loans, LLC

Arizona LLC, NMLS #2524174

Principal office: Scottsdale, AZ

The mortgage lender whose loan officers received warm transfers from the telemarketing campaign.

Advanced Mode Communications d/b/a amcomlabs

Kirkland, WA

Operates the SignalWire telephony account that controlled all 10 spoofed phone numbers used in the calling campaign. Account inventory contains 519,900 phone numbers.

Premier Marketing Firm

Lead-generation vendor that placed at least one call that was warm-transferred to an IHL loan officer.

Jason Jantz / ReadyMode

CEO of ReadyMode (formerly Xencall)

Billing contact for the amcomlabs SignalWire account. ReadyMode provides the predictive dialer platform used to place the calls.

Infrastructure Uncovered

Records obtained from SignalWire (the telephony provider) revealed the technical infrastructure behind the calling campaign:

Centralized Phone Number Control

All 10 spoofed numbers are registered to a single amcomlabs SignalWire account. The numbers were purchased on May 26, 2025, within a 4-minute window -- 42 days before the first call was placed.

Massive Number Inventory

The amcomlabs account holds 519,900 total phone numbers, including 7,450 Maryland numbers across 404 area codes, suggesting a large-scale telemarketing operation.

ReadyMode Predictive Dialer

The SignalWire account is linked to ReadyMode (formerly Xencall), a predictive dialer platform. The account contains 23 named user accounts: 12 @amcomlabs.io and 10 @readymode.com email addresses, showing the two companies operate as a unified system.

Centralized IP Infrastructure

1,288 IP addresses found across all 10 phone number files are identical, confirming all calls originated from the same centralized infrastructure rather than independent third parties.

IHL's Contradictory Statements

IHL's own written responses and communications contain significant internal contradictions:

  • Claims no records exist but simultaneously describes specific details of a call, including what the victim discussed -- information only available if records do exist.
  • Claims calls are "unattributable" to IHL but then identifies "Premier Marketing Firm" by name as the vendor who placed a call that was transferred to an IHL loan officer.
  • Claims a "thorough investigation" found no violations but refuses to produce the investigation file.
  • Claims victim was added to DNC lists and vendors were notified but another call was received on December 9, 2025, two months after this claim was made.
  • Claims it "partners with reputable vendors" but then characterizes those same vendors as "unaffiliated entities acting on their own accord" -- mutually exclusive positions.
  • Claims it does not instruct use of fake trade names but its own loan officer answered a transferred call as "Veteran Services" with no explanation for why.

Laws Being Violated

IHL's conduct violates multiple federal and state consumer protection laws:

Federal Laws

Telephone Consumer Protection Act (47 U.S.C. 227)

The TCPA regulates telemarketing calls and provides consumers with the right to stop unwanted calls. Violations include:

  • Calling after consent has been revoked
  • Failing to honor do-not-call requests
  • Using automated systems without consent

Penalty: $500-$1,500 per violation

Telemarketing Sales Rule (16 C.F.R. Part 310)

The FTC's TSR establishes requirements for telemarketers including:

  • 310.4(b)(1)(ii): Must honor do-not-call requests
  • 310.4(b)(1)(iii)(A): Cannot call after consent is revoked
  • 310.4(a)(8): Must transmit accurate caller ID
  • 310.4(d)(2): Must disclose purpose of call
  • 310.4(d)(3): Must disclose nature of goods/services
  • 310.3(a)(4): Cannot misrepresent any material aspect of the call

Maryland State Laws

Maryland Telephone Consumer Protection Act (Md. Code, Com. Law 14-3201 et seq.)

Incorporates the federal Telemarketing Sales Rule and provides a private right of action for violations.

Penalty: $500 per violation, each call counts as separate violation

Maryland Telephone Solicitation Act (Md. Code, Com. Law 14-4501 et seq.)

Maryland-specific telemarketing regulations including:

  • 14-4502(b)(1)(i): Must transmit caller name and number
  • 14-4502(b)(1)(ii): Cannot intentionally prevent caller ID transmission
  • 14-4502(b)(1)(iii): Cannot use technology to display false caller ID
  • 14-4502(c)(1): No calls between 8 PM and 8 AM
  • 14-4502(c)(2): Maximum 3 calls per 24 hours on same subject

Penalty: Treated as unfair trade practice, $500 per violation

Maryland Consumer Protection Act (Md. Code, Com. Law 13-101 et seq.)

Broad consumer protection law prohibiting unfair and deceptive practices:

  • 13-301(1): False or misleading representations
  • 13-301(2): False claims of affiliation or sponsorship
  • 13-301(9): Concealment of material facts
  • 13-301(10)(i): Must identify trade name
  • 13-301(10)(ii): Must state purpose of call
  • 13-301(10)(iii): Must identify kind of service solicited

Penalty: Actual damages, attorney's fees, injunctive relief

Documented Violations

Based on documented evidence from a single victim's experience:

Violation Documented Instances Potential Damages (per instance)
Failure to honor do-not-call requests 34 calls $500-$1,500
Calls after revoked consent 87 calls $500-$1,500
Failure to transmit true caller ID 89 calls $500-$1,500
Caller-ID spoofing/misrepresentation 89 calls $500-$1,500
Failure to transmit caller name 89 calls $500-$1,500
Intentional prevention of caller ID 89 calls $500-$1,500
Technology to conceal identity 89 calls $500-$1,500
False/misleading trade names 39 calls $500-$1,500
Misrepresentation of call purpose 39 calls $500-$1,500
Failure to disclose service type 39 calls $500-$1,500
Failure to disclose call purpose 39 calls $500-$1,500
Failure to disclose goods/services 39 calls $500-$1,500
Call outside permissible hours 1 call $500-$1,500
Exceeding 3 calls/day limit 21 calls $500-$1,500
Pattern of harassment 90 calls $500-$1,500

Your Legal Rights

If you have been subjected to similar conduct, you have legal options:

Private Right of Action

Both federal and Maryland law allow individuals to sue telemarketers who violate these laws. You do not need to wait for government enforcement.

Statutory Damages

You can recover $500 per violation even without proving actual harm. Each illegal call is typically a separate violation.

Treble Damages

For willful violations, courts may award up to $1,500 per violation (triple the standard amount).

Attorney's Fees

Prevailing plaintiffs can recover reasonable attorney's fees, making it feasible to pursue even smaller claims.

Filing Complaints

In addition to private legal action, you should file complaints with regulatory agencies:

Federal Trade Commission (FTC)

Report telemarketing violations including do-not-call violations

File FTC Complaint

Consumer Financial Protection Bureau (CFPB)

Report mortgage-related deceptive practices

File CFPB Complaint

Maryland Office of Financial Regulation

Report licensed mortgage company violations in Maryland

File MD Complaint

Maryland Attorney General

Report consumer protection violations

File AG Complaint