817-802-1496

What Company Is Calling Me From 817-802-1496? Are They A Scam And Why Are They Calling Me?

The number 817-802-1496 is associated with Citi Bank’s credit card collections department. However, some users have reported receiving robocalls or recorded messages from this number, raising concerns of a potential scam. To avoid scams, be cautious when receiving calls from unknown numbers and avoid providing personal information. If you have a Citi Bank credit card and are behind on payments, contact their customer service to make arrangements and request the cessation of collection calls. If you are not a Citi Bank customer or have no debt with them, be wary of calls asking for personal information. Avoid answering calls from unknown numbers and report any suspicious calls to the FTC to help combat scammers.

How Can I Block Or Stop Calls From 817-802-1496?

First, let unknown calls go to voicemail, and do not answer directly. If the caller leaves a message stating they are attempting to collect a debt, it’s likely a debt collector. To block further calls, contact your phone carrier to permanently block the number. You can also utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Formally request no further contact by sending a cease and desist letter via certified mail demanding no further calls. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Get help addressing the underlying debt by consulting a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Do not avoid unknown calls altogether; check voicemails to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 817-802-1496 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 817-802-1496 and believe they are violating the Fair Debt Collection Practices Act (FDCPA), it’s essential to know your rights as a consumer. Under the FDCPA, you have protections against abusive, threatening, or obscene language, and calls outside of 8am-9pm in your time zone. Document all call details, such as dates, times, and any violations.

To protect your rights, revoke any prior consent for calls outside normal hours, request they cease contacting you at work, and send a cease and desist letter via certified mail. If calls continue, verbally request they stop during any conversation. Report any violations to the Consumer Financial Protection Bureau for investigation.

Consider consulting a consumer protection attorney for guidance on your specific rights and options, including suing for damages. Contact your state Attorney General’s office for assistance if you suspect FDCPA violations. Finally, ask a credit counselor for advice on addressing the debt without further collection calls. Remember, collectors must adhere to the FDCPA when contacting you, so keep detailed records and assert your rights to prevent harassment.

If 817-802-1496 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 817-802-1496 is a debt collector, the first step is to validate the debt. Send a debt validation letter via mail, as they are legally required to provide this information under the Fair Debt Collection Practices Act (FDCPA).

Once validated, consider these options:

1. Negotiate a reasonable settlement or payment installment plan in writing before sending any payment. Offer partial payment (30-50% of the balance) if affordable and request deletion from your credit report.
2. Assert your rights under the FDCPA if the collector violates regulations during collection.
3. Consult a non-profit credit counseling agency for guidance on negotiating debt resolution.
4. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
5. Keep detailed records of all correspondence and calls for potential complaints.
6. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 817-802-1496 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector is threatening to sue or garnish your wages, it’s crucial to understand your rights and options. First, negotiate a payment plan that’s affordable for you and document the agreement. If you can’t pay, assert your inability to do so and request they cease contact. You can also seek help from a credit counselor or consumer law attorney to better understand your protections under the FDCPA and state law. Bankruptcy might be an option if debts are overwhelming, but consult an attorney first. Lastly, ensure any settlement terms are in writing and only agree to payments you can maintain. Seeking assistance to understand your options and rights is vital before agreeing to any settlement.

If 817-802-1496 Is A Collection Company, How Can I Remove It From My Credit Report?

If you suspect that 817-802-1496 is a collection company, first confirm the debt’s legitimacy by requesting written confirmation. Carefully review the validation to ensure your personal details and the debt information are accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages. Keep detailed written records showing your efforts to resolve the disputed collection account.

Proactively validating debts, negotiating with collectors, and asserting your rights can ultimately help remove collections from your credit report through persistence and proper documentation. But focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 817-802-1496?

People often leave negative feedback and comments about the phone number 817-802-1496, mainly regarding Citibank’s debt collection department. Many users report receiving numerous calls daily, sometimes spanning several weeks. These callers often do not leave messages and hang up when realizing the recipient is not the intended target. Some users suspect these calls are scams, as they ask for sensitive information like credit card details. Despite one user confirming that the number belongs to Citibank, the overall sentiment is that these calls are unwanted and disruptive. Some individuals have reported the number to authorities and the National Do Not Call Registry, but the calls continue. The feedback about 817-802-1496 is primarily negative, with users expressing frustration over the unwanted and potentially fraudulent calls.