877-890-3150

What Company Is Calling Me From 877-890-3150? Are They A Scam And Why Are They Calling Me?

The company calling from 877-890-3150 is TJX Rewards, associated with TJX Companies, which operates T.J. Maxx, Marshalls, HomeGoods, and Sierra. The number is used for customer service inquiries related to the TJX Rewards Credit Card and TJX Rewards Platinum Mastercard. Be cautious as scammers may use this number to trick people into providing personal information. Verify the caller’s identity before providing sensitive information. The voicemail mentioning the Synchrony Fraud team and TJX Rewards Platinum MasterCard could be a scam attempt. If unsure, contact TJX Companies through their official website.

How Can I Block Or Stop Calls From 877-890-3150?

To block or stop calls from 877-890-3150, follow these steps:

1. Identify if the call is from a debt collector by letting unknown calls go to voicemail.
2. Contact your phone carrier to block the number permanently.
3. Utilize call blocking apps like Nomorobo or Hiya to automatically block the number at the network level.
4. Send a cease and desist letter via certified mail to demand no further calls.
5. Keep detailed records of all calls to demonstrate a pattern of harassment.
6. Consult a non-profit credit counselor to negotiate debt resolution or speak to a consumer protection attorney regarding your rights and potential lawsuits.
7. Monitor voicemails and avoid blocking calls altogether, as this doesn’t eliminate any outstanding debts but can stop harassment.

Is 877-890-3150 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair and abusive debt collection practices. If you receive a call from 877-890-3150, which is associated with TJX Companies operating T.J. Maxx, Marshalls, HomeGoods, and Sierra, you have certain rights to ensure the collection process is fair and respectful.

First, document all calls, noting the date, time, frequency, phone number, and details of each call. Ensure the collector is not calling outside of the allowed hours of 8am-9pm in your time zone, or using abusive, threatening, or obscene language.

Next, assert your rights by revoking any prior consent given to call outside normal hours, and formally request they cease contact at your workplace if prohibited by your employer. You can also verbally request them to stop calling during any conversation.

If you believe the FDCPA has been violated, report the incident to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney to discuss your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance on next steps.

Additionally, you can ask a credit counselor how to address the debt without incurring further collection calls. Adhering to the FDCPA is crucial for collectors contacting you, and keeping detailed records and asserting your rights will help prevent further harassment from debt collectors.

If 877-890-3150 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, confirm if the caller is from TJX Rewards, as they are the only legitimate entity that would call from 877-890-3150. If the caller is from TJX Rewards, request written validation of the debt. Carefully review the validation for accuracy and dispute any incorrect information in writing. Once the debt is validated, negotiate a reasonable settlement or payment plan in writing. If the collector violates FDCPA regulations, assert your rights and seek help from professionals to ensure a fair outcome. Always keep detailed records of all correspondence and calls for potential complaints.

Can 877-890-3150 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, a debt collector could potentially sue you and garnish your wages to recover the amount owed. To avoid legal action, try negotiating affordable payments, asserting your inability to pay, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, considering bankruptcy, and documenting your efforts.

Before settling, make sure the payment plan is affordable, get any settlement terms in writing, be aware that the collector can still sue if you default on a settlement, and avoid agreeing to payments you can’t maintain. Seek assistance to understand your options and rights first.

Also, be cautious if you’re being called by 877-890-3150, as it’s likely associated with TJX Companies. Verify the caller’s identity and avoid providing sensitive information to scammers. Block the number through your phone carrier, call blocking apps, or smartphone settings.

If 877-890-3150 Is A Collection Company, How Can I Remove It From My Credit Report?

If 877-890-3150 is a collection company, you can remove it from your credit report by first validating the debt to ensure it’s legitimate. Request written confirmation and review it carefully for accuracy. If there are any discrepancies, 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 debt is valid, consider negotiating a pay-for-delete agreement in writing, offering a good faith partial settlement payment and requesting deletion as a gesture of goodwill, or hiring a credit repair service to dispute the debt on your behalf. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages. Keep detailed written records of your efforts to resolve the disputed collection account. By proactively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 877-890-3150?

People have left various comments and feedback about the phone number 877-890-3150, which is connected to TJX Rewards and TJX Credit Card. Users have reported receiving calls about their TJ Maxx credit card, Ge Capital debt collectors, and voicemails asking to register their card. Additionally, some have experienced calls regarding credit card rewards and using them at TJX facilities. However, there have also been reports of scam calls from this number, unrelated to TJX. To ensure you are receiving legitimate calls, it is crucial to verify the caller’s identity and not disclose sensitive information. If you suspect a call is fraudulent, block the number through your phone carrier, call blocking apps, or smartphone settings.