Number overview
050-3123-3139 is a phone number with many victim reports identifying it as belonging to a predatory illegal lender. The hallmark is aggressive collection that repeatedly targets not just the borrower but also their workplace.
Reported tactics
- The lender advertises "same-day loans" and "no screening" on social media and messaging apps to capture contact details
- Loans carry exorbitant interest (annual rates of hundreds of percent or more)
- If repayment is delayed, the lender repeatedly calls the borrower's workplace to collect
- The collector's Japanese is sometimes unnatural
Illegal lenders are unlicensed operators not registered as money-lending businesses. Court precedent holds that loans from illegal lenders carry no obligation to repay, including the principal (Supreme Court ruling, June 10, 2008).
How to handle this call
Don't pick up - ignore them
Don't engage with calls from illegal lenders. Threatening collection is a crime.
If you've already borrowed
Don't try to handle it alone - consult a lawyer or judicial scrivener. Specialists can stop the collection on your behalf.
Where to report or get help
- Police consultation line: #9110
- FSA Financial Services Users Consultation Office: 0570-016811
- Houterasu (Japan Legal Support Center): 0570-078374
- Money Lending Consultation and Dispute Resolution Center: 0570-051-051