513-707-6992

What Company Is Calling Me From 513-707-6992? Are They A Scam And Why Are They Calling Me?

The phone number 513-707-6992 is connected to Comenity Bank, a credit card company that provides private label cards for retailers. They often call customers to discuss overdue or missed payments on these store-specific cards. While these calls may seem intrusive, there is no definitive proof to classify them as a scam. The bank is likely trying to reach someone about an account issue related to debt collection.

To sum up, the calls from 513-707-6992 are typically regarding debt collection efforts by Comenity Bank. It is crucial to determine if it is a debt collector and to act accordingly. If you want to stop receiving these calls, block the number and request no further contact. Seek assistance from a credit counselor or attorney for help with any underlying debt issues and report any violations to the Consumer Financial Protection Bureau.

How Can I Block Or Stop Calls From 513-707-6992?

First, let the call from 513-707-6992 go to voicemail and check the message to identify if it’s a debt collector. If it is, block the number by contacting your phone carrier or using a call blocking app. Next, send a cease and desist letter to the debt collector, formally requesting no further contact. Keep records of all calls and communications related to this issue. For managing any underlying debt, consult a credit counselor or attorney for guidance. In the end, taking control of your calls and addressing the issue will protect your privacy and financial situation.

Is 513-707-6992 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 513-707-6992 is associated with Comenity Bank, which issues private label credit cards for retailers. If you are receiving calls from this number, they may be related to late or missed payments on store-branded cards. Although not confirmed as a scam, the calls might be perceived as harassing. To address these calls, first identify if they are from a debt collector, block the number, and request no further contact.

Under the Fair Debt Collection Practices Act (FDCPA), you have rights and protections when it comes to debt collection calls. Document the date, time, frequency, phone number, and details of all calls, and report any violations to the Consumer Financial Protection Bureau. If you believe your rights have been violated, consult a consumer protection attorney or contact your state Attorney General’s office for guidance on next steps.

In a nutshell, being aware of your rights under the FDCPA and documenting any harassing or inappropriate calls is crucial. If you believe your rights have been violated, take action by reporting the issue and seeking legal assistance if necessary.

If 513-707-6992 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 513-707-6992, it is crucial to verify if the caller is a debt collector. To do this, ask for their name, company, and contact information. Request written validation of the debt, including details such as the account number, balance, and payment history. Carefully review the information provided, and dispute any inaccuracies. If the debt is valid, consider negotiating a settlement or payment plan that works for your financial situation. Remember that you have rights under the Fair Debt Collection Practices Act (FDCPA), which safeguards consumers from abusive or harassing debt collection practices. In case you need assistance, consult a credit counselor or attorney for guidance. Maintain records of all correspondence and calls, and revoke any permission for outside contact if necessary. By taking these steps, you can effectively address calls from 513-707-6992 and protect your rights as a consumer.

Can 513-707-6992 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the phone number 513-707-6992 is connected to a debt collector, they have the authority to sue you for the outstanding debt, which may result in wage or bank account garnishment. To prevent legal action, think about negotiating manageable payment plans, asserting your inability to pay, seeking credit counseling, hiring an attorney, or even exploring bankruptcy. Carefully assess any settlement offers and make sure they are realistic and in writing. Ultimately, addressing the issue directly and working with professionals can help you manage and resolve the situation.

If 513-707-6992 Is A Collection Company, How Can I Remove It From My Credit Report?

If 513-707-6992 is a collection company, you can follow these steps to remove it from your credit report:

1. Validate the debt: First, request written confirmation from the collection company to ensure the debt is legitimate. This helps in case of any discrepancies or scams.

2. Dispute the debt: If any information is incorrect, dispute the debt with the collection company and demand removal. Provide evidence to support your claim.

3. Negotiate a pay-for-delete agreement: Consider negotiating with the collection company to remove the debt from your credit report in exchange for a payment.

4. Offer a good faith partial settlement: If you can’t pay the full debt, offer a good faith partial settlement. This may help resolve the issue and remove the debt from your report.

5. Hire a credit repair service: Consult a professional credit repair service to help you handle the situation and remove the debt from your report.

6. Wait for the time limit: Collection companies have a limited time to collect on a debt. If the time limit expires, the debt should be removed from your credit report.

7. File a complaint: If you believe the collection company is violating the Fair Debt Collection Practices Act, file a complaint with the Consumer Financial Protection Bureau or your state’s attorney general.

8. Consult an attorney: If the situation escalates, consult an attorney to help you navigate the legal aspects of debt collection and removal.

9. Keep detailed records: Maintain records of all communication, including emails, letters, and phone calls, to protect yourself and your credit report.

By following these steps, you can address the calls from 513-707-6992 and work towards removing it from your credit report.

What Feedback And Comments Do People Leave About 513-707-6992?

People leave comments about 513-707-6992, claiming it to be a potential source of robocalls and scams. Comenity Bank, known for issuing private label credit cards, is identified as the caller. The number is registered to Level 3 Communications in Ohio. Most feedback is negative, with users describing the calls as “harassing” and hoping for scammers to be punished. It is recommended to report unwanted calls from this number and exercise caution when receiving calls from unknown numbers.