801-438-8379

What Company Is Calling Me From 801-438-8379? Are They A Scam And Why Are They Calling Me?

Comenity Bank, the company calling from 801-438-8379, is a legitimate financial institution. They often call to offer credit, collect on existing accounts, or perform debt collection tasks. While the bank is not a scam, some users have reported aggressive collection tactics. It’s crucial to be cautious when receiving calls from this number and not to disclose any personal information. If you encounter any suspicious calls, report them to the Federal Trade Commission (FTC) or your state Attorney General for further investigation.

How Can I Block Or Stop Calls From 801-438-8379?

To block or stop calls from 801-438-8379, first identify if it’s a debt collector. Let the call go to voicemail and don’t answer directly. Then, contact your phone carrier and request them to block the number. You can also use call blocking apps or adjust your smartphone settings to block the number. Additionally, send a cease and desist letter to formally request no further contact. Keep records of all calls and communication. If there’s an underlying debt, consult a non-profit credit counselor or consumer protection attorney, and follow the Fair Debt Collection Practices Act to protect your rights.

Is 801-438-8379 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’ve received a call from 801-438-8379 and feel that the debt collector is violating the Fair Debt Collection Practices Act (FDCPA), it’s crucial to know your rights as a consumer. First, keep track of all calls, noting the date, time, frequency, phone number, and details. Ensure that the collector is not calling outside of allowed hours or using abusive language.

To protect yourself, you can revoke consent for calls outside of normal hours, request they stop calling at work, and send a cease and desist letter. If you believe the collector is violating the FDCPA, report the violation to the Consumer Financial Protection Bureau. Additionally, consider consulting with a consumer protection attorney or credit counselor for further assistance.

Remember, while 801-438-8379 is associated with Comenity Bank, a legitimate financial institution, some users have experienced aggressive collection tactics. In such cases, it’s essential to stand up for your rights and take the necessary steps to protect yourself.

If 801-438-8379 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 801-438-8379 and the caller claims to be a debt collector, you should first verify their legitimacy. Comenity Bank is a real financial institution, but there have been reports of aggressive collection tactics from their representatives. To validate the debt, send a written debt validation letter to the collector. Review the validation carefully, dispute any inaccuracies, and request removal from your credit report. Negotiate a settlement or payment plan in writing, offer partial payment if affordable, and assert your rights under the Fair Debt Collection Practices Act (FDCPA). Consult a credit counselor or attorney for guidance on bankruptcy or legal action. Keep records of all correspondence and calls, and revoke any prior permissions outside FDCPA guidelines.

Can 801-438-8379 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 801-438-8379 regarding a debt, it is crucial to address the issue promptly. If the debt is legitimate, negotiate affordable payment plans or consider other options like bankruptcy or hiring an attorney. Ensure you have a record of all communication and seek assistance from non-profit credit counselors or legal professionals. Avoid agreeing to settlement terms that are unrealistic for your financial situation.

Ultimately, if you believe the debt collector is not following proper protocols, you can report them to the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC). Remember, always be cautious when dealing with debt collectors and ensure you understand your rights under the Fair Debt Collection Practices Act.

If 801-438-8379 Is A Collection Company, How Can I Remove It From My Credit Report?

If you’ve been receiving calls from 801-438-8379 and suspect it’s a collection company, follow these steps to remove it from your credit report. First, request written confirmation from the collector to verify the debt’s legitimacy. Review the validation for accuracy and dispute any incorrect information according to the Fair Credit Reporting Act.

Next, negotiate a pay-for-delete agreement, offer a partial settlement, or hire a credit repair service to help resolve the issue. Maintain detailed records of your efforts and be patient, as the process may take time.

If the collector violates any laws, file a complaint with the Consumer Financial Protection Bureau. Remember that the debt should be removed from your credit report after seven years, so monitor your report during this time.

For additional help, consult an attorney specializing in consumer protection laws to ensure your rights are protected throughout the process. By following these steps, you can work towards removing 801-438-8379 from your credit report and addressing any issues related to the debt.

What Feedback And Comments Do People Leave About 801-438-8379?

First, it’s important to understand that 801-438-8379 is associated with Comenity Bank, a debt collection agency. Many people have received calls from this number, discussing financial matters. While the number is genuine, some users find the calls annoying and unwanted.

In a nutshell, 801-438-8379 is a phone number connected to Comenity Bank, which is a legitimate financial institution that deals with credit cards and services. People have reported receiving calls from this number, identifying it as Comenity Bank. Although it is not a scam, some users have experienced aggressive collection tactics.

To manage calls from this number, you can block the number, send a cease and desist letter, and consult a non-profit credit counselor or consumer protection attorney for guidance. It’s essential to remember to follow the Fair Debt Collection Practices Act and document all calls, including details, to ensure your rights are protected.

In the end, 801-438-8379 is a phone number connected to Comenity Bank, which is a debt collection agency. People have reported receiving calls from this number, discussing financial matters. While the number is not a scam, some users have experienced aggressive collection tactics.

To handle calls from this number, you can block the number, send a cease and desist letter, and consult a non-profit credit counselor or consumer protection attorney for guidance. Remember to follow the Fair Debt Collection Practices Act and document all calls, including details, to protect your rights.