386-590-9199

What Company Is Calling Me From 386-590-9199? Are They A Scam And Why Are They Calling Me?

The company calling from 386-590-9199 claims to be about credit card interest rates but is actually a scam operation posing as “Card Services” or “Consumer Services.” They randomly call multiple people without accurate personal information, aiming to obtain financial information for fraudulent purposes like selling leads to debt collectors or committing identity theft.

To protect yourself from such scams, always verify the identity of the caller and do not share any personal or financial information over the phone with unfamiliar numbers. If you receive a call from 386-590-9199 or a similar number, it’s crucial to remain cautious and vigilant. Keep in mind that legitimate companies will not call you randomly without any prior contact or business relationship.

If you suspect a scam, hang up and report the call to the appropriate authorities. You can also consider blocking the number and reporting it to the Federal Trade Commission (FTC) to help prevent others from falling victim to similar scams. Remember, it’s always better to be safe than sorry when it comes to your personal and financial information.

How Can I Block Or Stop Calls From 386-590-9199?

First, let unknown calls go to voicemail and avoid answering directly. This way, you can identify if it’s a debt collector or scam. If you determine it’s not a legitimate call, block the number. You can do this by contacting your phone carrier, using call blocking apps, or setting contacts not in your address book to go straight to voicemail. Formalize your request to stop the calls by sending a cease and desist letter. Be sure to consult your state laws to ensure proper procedure. If you have any underlying debt, consider consulting a non-profit credit counselor or a consumer protection attorney to address the issue. Always remember to validate any debt, dispute inaccuracies, and consider a pay-for-delete agreement or filing a complaint if necessary.

Is 386-590-9199 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re being harassed by a debt collector with the phone number 386-590-9199, it’s essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that protects consumers from abusive debt collection practices. To protect yourself, follow these steps:

1. Document details of the calls, including date, time, frequency, phone number, and content. Note if the calls are outside of 8 am-9 pm or excessive. Track any abusive language used by the collector.

2. Revoke consent for calls outside normal hours and request no workplace calls. Send a cease and desist letter to the collector, which legally requires them to stop contacting you, except for certain circumstances.

3. Report any violations of the FDCPA to the Consumer Financial Protection Bureau (CFPB). You can also consult an attorney or seek credit counseling for assistance.

4. Contact your state Attorney General’s office to report the scam. They may be able to help you take further action against the collector.

5. Verify the debt’s legitimacy and ensure it’s under the FDCPA. If sued, negotiate affordable payments and document all correspondence.

6. To remove the collection from your credit report, verify the debt, dispute inaccuracies, and consider a pay-for-delete agreement or filing a complaint with the CFPB or your state Attorney General’s office.

In conclusion, protecting your rights under the FDCPA is crucial when dealing with debt collectors like 386-590-9199. Be sure to document all calls, revoke consent for unwanted contact, and report any violations to the appropriate authorities. Remember, you have rights, and it’s essential to stand up for yourself and protect your financial well-being.

If 386-590-9199 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 386-590-9199 is a debt collector, validating the debt and understanding your options are crucial steps to take. Start by sending a debt validation letter to the collector, requesting written validation under the Fair Debt Collection Practices Act (FDCPA). Review the validation for accuracy and dispute any incorrect information.

Consider negotiating a settlement, installment plan, or consulting a credit counselor to manage your debt. If the collector violates FDCPA regulations, assert your rights and take action. Seek legal advice if necessary, and keep detailed records of all correspondence and calls.

If 386-590-9199 is a scam operation, it’s important to block their calls and send a cease and desist letter. Verify the debt’s legitimacy, dispute inaccuracies, and consider a pay-for-delete agreement or filing a complaint to remove the collection from your credit report.

Can 386-590-9199 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re dealing with a debt collector and they’re threatening to sue you or garnish your wages, it’s crucial to understand your rights and options. If the debt is legitimate, you can negotiate affordable payment plans, assert your inability to pay, seek credit counseling, hire a consumer law attorney, or consider bankruptcy. Make sure to document all calls and efforts.

Before settling the debt, ensure the payment plan is affordable and get the terms in writing. Be aware that legal action may still be taken, even after settling. If the debt collector is a scam, like 386-590-9199, block their calls and send a cease and desist letter. Verify the debt’s legitimacy under the Fair Debt Collection Practices Act (FDCPA) and, if sued, negotiate payments and document all correspondence. To remove the collection from your credit report, verify the debt, dispute inaccuracies, and consider a pay-for-delete agreement or filing a complaint.

If 386-590-9199 Is A Collection Company, How Can I Remove It From My Credit Report?

If you are receiving calls from 386-590-9199, first verify if it is a debt collection agency by asking for written confirmation of the debt. Ensure the debt is legitimate and request validation for accuracy. If there are any inaccuracies, dispute them under the Fair Credit Reporting Act (FCRA).

Consider negotiating a pay-for-delete agreement with the collection agency, offering a partial settlement, or hiring a credit repair service to help remove the collection from your credit report. You can also wait for the time limit for the collection to expire, file a complaint with the Consumer Financial Protection Bureau (CFPB), or consult a consumer law attorney to assist in the removal process.

Throughout the process, maintain detailed records of all communications and actions taken. This will help ensure your rights are protected and the collection is removed from your credit report as efficiently as possible.

What Feedback And Comments Do People Leave About 386-590-9199?

People often leave negative feedback about 386-590-9199, as they report receiving unwanted and sometimes rude calls. These calls typically involve pitches for credit card interest rates or debt services with an Indian-style accent. Many users have reported experiencing rude behavior, such as cursing or hanging up when asked to be removed from calling lists. As a result, the number is frequently labeled as a scam or telemarketing call. To protect yourself from potential scams and unwanted solicitations, it is crucial to be cautious when receiving calls from this number.