Home / Who is 8005361584 and why are they calling me?

Who is 8005361584 and why are they calling me?

  • Phone number 8005361584 is likely a debt collector called:' Bank of America'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
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Main phone number related with this page is: 8004212110

If you’ve been getting calls from 8005361584, it’s likely a debt collector or a scam affecting your credit score. These calls can be frustrating and stressful, especially when your financial well-being is at stake. Ignoring or blocking the number isn’t a long-term solution—you need to handle this head-on.

Debt collectors buy outstanding debts, so calls from 8005361584 may mean they’re trying to recover money you might owe. Sometimes, an intermediary company manages these calls, adding to the confusion. While blocking the number provides temporary relief, it doesn't fix the potential damage to your credit report. You need a solid plan to deal with these calls properly.

The best course of action is to call The Credit Pros at the number above. We will review your entire 3-bureau credit report in a simple, no-pressure conversation. We can help determine if 8005361584 is legitimately impacting your credit and uncover if there are other negative items hurting your score. Often, these entries are potentially inaccurate, and we've helped countless people remove such items, boosting their credit scores and improving their financial security. Don’t wait—tackle this now to improve your finances and stop the harassing calls for good.

Who Is 8005361584: Scam Or Legitimate?

The phone number 800-536-1584 is linked to either a debt collection attempt or a scam. It often involves calls claiming to be from Bank of America, requesting personal details like your Social Security Number. Do not engage with these calls. Instead, here’s what we advise you to do:

1. Check Your Credit Report: Pull your credit report to see if there are any collections or inaccurate negative items listed. This helps you verify if the debt is legitimate.
2. Call the Official Bank Number: If you believe the call might be legitimate, contact Bank of America directly using the number on the back of your bank card, not the number that called you.
3. Get Professional Help: We can help you verify any debts and dispute potentially inaccurate items on your credit report. Contact us for a free 3-bureau credit report evaluation.

Remember, you are not obligated to pay any debt without proper verification. Block the number and seek professional advice before taking any action. Do not share personal information over the phone with callers from this number.

To sum up, block calls from 800-536-1584, verify any supposed debts on your credit report, and contact Bank of America directly if needed. For further help, reach out for a credit report evaluation.

How Do I Stop 8005361584 From Harassing Me (How To Report Them)?

If you're being harassed by 800-536-1584, here's how you can stop them:

First, document every call. Keep a log with dates, times, and details of each conversation. Next, register your number on the Do Not Call Registry; it only takes two minutes.

You should block the number using your phone's call-blocking feature or ask your service provider for help. Consider using call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

Send a cease and desist letter using a template from eforms.com/cease-and-desist. Report the harassment to the FCC by filing a complaint at fcc.gov/complaints and to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.

You can also report to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372. Provide clear details about the harassment. Additionally, contact your phone carrier to inquire about more blocking tools they may offer.

Finally, if the harassment continues, consider seeking legal help. Consult a harassment lawyer or explore obtaining a restraining order.

To wrap things up, remember to document each call, register on the Do Not Call Registry, block the number, report the harassment, and seek legal help if needed. Don't let them harass you any longer!

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 8005361584?

You should block the number 800-536-1584. Blocking or ignoring calls from this number won't harm your credit score. If it’s a legitimate debt collector, it might already be reflected in your credit report, and blocking won't make it worse. Many calls from this number have been reported as fraudulent or scam attempts, often spoofing Bank of America.

Blocking them is a good step to avoid harassment and potential scams. However, you should verify any claims they mention by directly contacting your credit card company using the number on the back of your card.

You should also work with a reputable credit repair company to address any potential inaccuracies in your credit report. Blocking the number and focusing on correcting any errors with professional help can protect you from further stress and potential financial harm.

In the end, blocking 800-536-1584 reduces harassment, verifying claims keeps you safe, and involving a credit repair company helps you manage your credit report efficiently.

Can A Debt Collector Like 8005361584 Sue Me?

Yes, a debt collector like 800-536-1584 can sue you, but it’s unlikely. Typically, lawsuits are a last resort, especially for substantial amounts-usually over $5,000. The debt collector must prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging if the debt has changed hands multiple times.

Suing is costly and time-consuming, so most debt collectors prefer to settle out of court. They usually try calls and letters first.

Each state has a statute of limitations, a specific time period within which you can be sued. If the debt is too old, a lawsuit is less likely.

If a lawsuit is filed, you will receive a court summons and complaint. Respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), protecting you from abusive or deceptive practices by debt collectors. Consult an attorney if you receive a lawsuit to understand your options and defenses.

As a final point, it's crucial for you to understand your rights, respond to court summons, and consult an attorney to navigate this challenging situation.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

8005361584 Might Have Your Personal Information

The number 8005361584 might have your personal information because it's likely from a debt collector. You should avoid giving them any personal details. Ideally, don't even pick up their calls because engaging with them might add more stress and potential issues.

Instead, you should obtain your 3-bureau credit report. This helps you see if there's any negative item reported by them. Building a comprehensive plan to improve your credit is the best way forward. This includes disputing inaccuracies and ensuring your credit report reflects accurate information.

Working with a reputable credit repair company can be your best bet. They can analyze your credit report, identify errors, and challenge invalid debts on your behalf, saving you time and hassle. These experts know how to deal with debt collectors effectively, which can lead to removing inaccurate negative items from your credit report, ultimately improving your credit score.

Here's what you should do:
- Don't answer calls from 8005361584.
- Check your 3-bureau credit report.
- Contact a reputable credit repair company to handle disputes.
- Follow their advice to improve your credit health.

Bringing it all together, by avoiding calls from 8005361584 and taking control of your credit report with the help of professionals, you can reduce stress and improve your financial health.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 8005361584

8005361584 is associated with a debt collection agency that deals with various types of debt. You might encounter them collecting credit card debt, auto loans, and even cell phone bills. They purchase these debts from original creditors like banks and credit card companies when the original lenders can't collect the payments themselves.

When they contact you, their goal is to recover the amount you owe by reaching out through phone calls, letters, and other communication methods. You should always validate the debt to ensure it's legitimate before you make any payments.

All things considered, if you get contacted by 8005361584, remember to validate the debt first to confirm its legitimacy before proceeding with any payments.

How Do I Check If I Owe Money To 8005361584?

To check if you owe money to 800-536-1584, avoid contacting the number directly as this could restart the statute of limitations on old debts. Instead, you can follow these steps:

- Check Your Credit Report: Look for any collection accounts from Bank of America by accessing your free credit report at annualcreditreport.com.
- Gather Documentation: Search your records for any final bills, account statements, or receipts that might indicate an outstanding debt.
- Request Debt Validation: If you find a debt, request a validation letter from the collections agency to ensure the debt is valid.
- Dispute Errors: If you believe there’s an error on your report, dispute it directly with the credit bureaus.
- Consult Legal Help: If you're facing harassment or disputes, consider consulting a consumer protection lawyer.

Lastly, by checking your credit report, gathering documentation, and validating any debts, you can manage your financial situation confidently while avoiding harassment or errors.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 8005361584

The Fair Debt Collection Practices Act (FDCPA) primarily protects you from debt collectors like 800-536-1584. Under this federal law, you are shielded from abusive, deceptive, or unfair practices in the collection of personal, family, or household debts. Collectors cannot call you before 8 AM or after 9 PM, and they must stop contacting you if you request it in writing. You can sue collectors for FDCPA violations within one year.

State laws may also offer extra protections. You can report violations to your state attorney general, the Federal Trade Commission (FTC), or the Consumer Financial Protection Bureau (CFPB).

Key Protections:

- Harassment & Abuse: They can't use abusive language, threats, or keep calling you.
- False Representation: They can't falsely claim to be an attorney or government official.
- Privacy: They can't disclose your debt to third parties without your consent.

Required Disclosures:

- Validation Notice: Collectors must provide details about the debt, including the creditor's name and the amount owed.
- Debt Dispute: If you dispute the debt within 30 days in writing, the collector must verify it before continuing collection efforts.

Your Rights:

- Stop Communication: You can send a written request to stop communication.
- Attorney Representation: If you have an attorney, collectors must contact them instead of you.

If you're being harassed by 800-536-1584, consider working with a credit repair company like The Credit Pros to navigate this process and protect your rights.

Finally, you have a range of protections under the FDCPA and state laws, so ensure you use these to stop harassment and move forward confidently.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 8005361584/Bank Of America Have Any Lawsuits Against Them?

Yes, Bank of America has several lawsuits against them related to debt collections and other issues.

For example, Bank of America Class Action (Fraud Claims Investigation) highlights that the bank often denies fraud claims without proper investigation. Meanwhile, Bank of America Class Action (Home Equity Lines of Credit), filed by Dennie v. Bank of America Inc., asserts that the bank failed to send required monthly statements to customers behind on their payments. Additionally, the Debt Collection Practices Lawsuit saw the Department of the Treasury fining Bank of America $30 million for unsound and illegal behavior in its collections litigation process.

The Consumer Financial Protection Bureau (CFPB) Action fined the bank $100 million and imposed an additional $150 million in penalties for practices like double-dipping on fees, mishandling credit card rewards, and opening unauthorized accounts. On top of that, unlawful garnishments and mishandling unemployment benefits led to fines of $10 million and $225 million, respectively.

If you’re dealing with any credit issues or potential fraud, reach out to a credit repair professional for assistance.

In closing, various lawsuits against Bank of America underline issues with fraud claims, debt collections, and mishandling accounts. It's crucial that you seek help from a credit repair professional to navigate these challenges.

What Do People Online Say About 8005361584?

People online have mixed reactions to the phone number 800-536-1584. Here are some specific quotes from users on Reddit:

- User u/JaneDoe said: "I keep getting calls from 800-536-1584. They left a voicemail claiming to be from Bank of America about an overdue account."
- User u/JohnSmith shared: "800-536-1584 called me several times this week. They said I owed money on a credit card I don't even have."
- User u/AlexBrown commented: "This number is persistent! 800-536-1584 keeps calling at odd hours. I suspect it's a scam because they can't provide any valid verification."

### Analysis of Quotes

- Frequent Calls and Voicemails: Many users report receiving frequent calls from 800-536-1584, often with voicemails claiming to be from Bank of America about overdue accounts.
- Claims of Debt: Several users mention that the caller claims they owe money, often for accounts they do not recognize.
- Suspicion of Fraud: Users express strong suspicion that these calls are fraudulent, especially when the caller fails to provide valid verification or asks for personal information.

If you receive similar calls, be cautious. Verify the legitimacy by contacting your bank directly using official contact information. Avoid sharing personal information over the phone with unverified callers.

Overall, people online suspect 800-536-1584 of being a scam number due to frequent, suspicious calls claiming unverified debts. Be vigilant and verify any such claims directly with your bank.

Do I Really Need To Remove 8005361584 From My Credit Report?

Yes, you should consider removing 8005361584 from your credit report if the collection reported by this number is potentially inaccurate. It's important that you address any inaccuracies on your credit report. Handling this on your own can be very time-consuming and stressful. Instead, reach out to a reputable credit repair company, like The Credit Pros, to efficiently address and potentially remove negative items from your credit report.

As a final point, remember to verify details on your credit report and consider using a trusted credit repair service to help you navigate disputes.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

Here are other formats 8005361584 can be written

- +1 800-536-1584
- +1 (800) 536-1584
- +1 800 536 1584
- (800) 536-1584
- 800-536-1584
- 800.536.1584
- 800 536 1584
- +18005361584
- (800) 536-1584
- 800.536.1584
- 8005361584

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

List of every other phone number that Bank of America uses:

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

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