Who is 8005812620 and why are they calling me?

The phone number 800-581-2620 is associated with a debt collection agency, specifically linked to First Premier Bank. However, it could also be a scam. It's crucial that you do not engage directly with the caller, whether the call is legitimate or not. You are not obligated to pay immediately if you have any doubts about the debt being collected.

Here’s what we advise you to do:

- Pull your credit report and carefully analyze it for any potentially inaccurate negative items.
- If the debt from this number appears on your credit report, it might be legitimate, but you should still not respond to the call directly.
- Contact The Credit Pros for a free 3-bureau credit report evaluation to help verify the debt and dispute any inaccurate items.

We have helped hundreds of thousands of people with similar issues and can assist in improving your financial situation by verifying debts and disputing inaccuracies.

To sum up, make sure you pull your credit report, refrain from engaging directly, and seek professional help to verify and dispute any inaccuracies.

To stop 8005812620 from harassing you, here's what you should do:

1. Document the Calls: Keep a log of every unwanted call, noting the date, time, and any specific details about the call.
2. Block the Number: Use your phone’s built-in blocking feature or apps like "Call Blocker - Stop spam calls" for Android or "Robokiller: Spam Call Blocker" for Apple devices.
3. Register on Do Not Call Registry: Sign up at DoNotCall.gov. It’s quick and easy and helps reduce telemarketing calls.
4. Report to FCC: If these are illegal robocalls or spoofed calls, file a complaint at fcc.gov/complaints. Provide details like the number, date, and time of the calls.
5. Report to FTC: Report unwanted calls that violate the Do Not Call Registry at ReportFraud.ftc.gov.
6. Submit a Complaint to CFPB: Document all interactions and submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.
7. Phone Carrier’s Help: Check with your phone carrier for additional call-blocking tools and options. Some may require a police report for serious threats.
8. Cease and Desist Letter: Consider sending a cease and desist letter. Templates are available at eforms.com/cease-and-desist.

To wrap things up - remember to document the calls, block the number, and report it to the relevant authorities like the FCC, FTC, and CFPB. Use all available tools and resources to address and stop harassment from 8005812620 efficiently.

You should block the number 8005812620. If you ignore it, the calls will keep coming, but blocking can reduce the annoyance. Blocking is a smart move, especially if it's a debt collector harassing you. Blocking or ignoring these calls won't affect your credit score. Your credit score will not drop just because you block or ignore their calls. If they are already on your credit report, they can't hurt your score any further.

If you believe these calls are incorrect or unfair, consider working with a reputable credit repair company. They can help you manage disputes and inaccuracies on your credit report. Blocking the calls gives you control and reduces stress while seeking professional assistance to resolve any issues.

- Blocking will stop the annoying calls.
- Your credit score won’t be affected by blocking or ignoring them.
- A credit repair company can help resolve any related issues.

In the end, blocking 8005812620 can save you stress while professionals help you handle disputes and fix inaccuracies.

Yes, a debt collector like 8005812620 can sue you, but it's unlikely. Lawsuits are expensive and time-consuming, so collectors usually prefer to settle out of court.

Debt collectors typically turn to lawsuits as a last resort, often for debts over $5,000. They need to prove that you owe the debt, the amount is accurate, and they have the legal right to sue, which can be difficult if your debt has changed hands multiple times. Your state's statute of limitations may offer protection if the debt is old, as they can't sue once this period expires.

Collectors commonly try calls and letters first. If they decide to sue, you'll receive a court summons. It's crucial that you respond in time to avoid a default judgment.

Remember, you are protected by the Fair Debt Collection Practices Act (FDCPA). If you are threatened with a lawsuit, consider consulting an attorney to understand your rights and defenses.

As a final point, understand that while a debt collector like 8005812620 can sue you, it's very unlikely. Typically, they prefer settling out of court, and your state's statutes and legal rights offer significant protection. If facing such a situation, consult an attorney, stay informed, and respond promptly to avoid a default judgment.

Don’t provide any info to debt collectors like this one. Ideally, don’t even pick up when they call. These calls won't change what you should do anyway, which is to obtain your 3-bureau report and begin building a comprehensive plan to improve your credit.

Here's the plan:

1. Obtain Your Credit Report: Get your free annual credit report from all three bureaus (Equifax, Experian, and TransUnion) to understand your credit status. This helps catch any identity theft early.
2. Work with a Reputable Credit Repair Company: Professionals can help you handle inaccuracies or disputes effectively. They can guide you through improving your credit score, which is crucial for your financial health.
3. Protect Your Personal Information: Make sure not to share any personal details over unsolicited calls, emails, or texts. Legitimate companies will not ask for sensitive information in such a manner.

Bringing it all together - block numbers from debt collectors like 8005812620, obtain your credit reports, work with a reputable credit repair company, and always protect your personal information. This will ensure you take control of your financial future.

Types of debt collected by 8005812620 include various kinds of consumer debt. They deal with:

- Credit card debt
- Personal loans
- Medical bills
- Utility bills

These debts are typically bought from creditors. This collector, associated with First Premier Bank, purchases debt from original creditors and then pursues you for payment. It is crucial that you understand your rights and options under debt collection laws.

All things considered, you should remember that 8005812620 handles credit card, personal loan, medical, and utility debt, and knowing your rights can help you manage these collections effectively.

To check if you owe money to 8005812620, follow these clear steps:

First, review your records. Look for any final bills, account statements, or equipment return receipts that might indicate a debt with First Premier Bank. Then, check your credit report. You can get a free credit report annually from each of the three major credit bureaus, which will show any debt linked to 8005812620.

If you find a debt listed, contact the collection agency and request debt validation. They are required to provide proof that you owe the debt. It's important that you avoid direct phone contact with the debt collector, as this can restart the statute of limitations on an old debt.

Lastly, you should consider consulting a consumer protection lawyer if you face harassment or disputes. Gathering all relevant information first is crucial to prevent issues with inaccurate collection efforts affecting your credit.

To protect yourself from debt collectors calling from 8005812620, you are covered by several laws and regulations.

Firstly, the Fair Debt Collection Practices Act (FDCPA) gives you critical protections against third-party debt collectors. They cannot contact you before 8 AM or after 9 PM, nor disturb you at work if your employer prohibits such calls. They are barred from using abusive language, making threats, or employing deceptive practices. They must send you a written notice detailing the debt and your right to dispute it within 30 days. If you dispute the debt in writing, the collector must stop collection efforts until they verify the debt.

Secondly, State Debt Collection Laws may offer additional protections. Many states, like New York, have stringent regulations, including licensing requirements for debt collectors. You should contact your state attorney general’s office to understand the protections available in your state.

The Telephone Consumer Protection Act (TCPA) also restricts debt collectors from using automated systems to call, text, or fax you without your consent.

To exercise your rights, you can:
- Write to the debt collector to cease contact.
- File a lawsuit if they violate the FDCPA, potentially recovering up to $1,000 plus attorney fees.

Finally, by knowing which debt collection laws and regulations protect you from 8005812620, you can confidently tackle any unfair practices and safeguard your rights.

Yes, 8005812620/First Premier Bank has faced lawsuits and numerous complaints.

First Premier Bank filed a lawsuit in 2011 against the United States Consumer Financial Protection Bureau to delay new regulations impacting credit card fees. While this case was resolved in court, it highlights the bank's legal disputes over fee regulations.

You might find it useful to know that the BBB recorded 1,057 complaints against First Premier Bank over three years. These complaints range from overcharges to poor customer service. Consumer Affairs also collects complaints mentioning issues like overcharges, collection tactics, and credit impact. In 2018, several complaints were resolved through arbitration, leading to settlements.

If you are experiencing issues with First Premier Bank, consider filing a claim through arbitration or seeking help from consumer watchdogs like the BBB or Consumer Affairs.

In closing, First Premier Bank has faced legal actions and numerous customer complaints, and you should consider arbitration and watchdog assistance if you face issues.

People online have shared a variety of opinions and experiences about the phone number 800-581-2620. Here's what some users specifically say:

- On Reddit, a user mentioned, "They call every day. I don't even have a First Premier card. I tried to tell them that they're trying to bill me for something I don't even have."
- Another frustrated user remarked, "Really a bhenchod."
- Someone else noted, "Fake 'Medicare 'Coverage Choice,' 'Healthcare Health Center,' 'Senior Benefits,' 'American Benefits/Directive,' 'Insurance Solutions,' 'Insurance Enrollment Center,' 'Senior/Agent Directive,' or 'Health IQ/Quote' Medicare and life insurance scam by criminals phoning from the Philippines."

If you experience calls from this number, you may find the following steps helpful:
- Block the number to stop these repeated calls.
- Do not engage or provide any personal information.
- Report the number to relevant authorities or scam prevention organizations.

Overall, people express frustration and concerns about unsolicited and potentially fraudulent calls from 800-581-2620, suggesting a significant issue with scams and unwanted calls.

Yes, you should remove 8005812620 from your credit report if you've identified it as potentially inaccurate. It's tough dealing with accurate negative information since it can't be removed and will remain for at least seven years. However, it's crucial that you address any inaccuracies on your credit report, which requires time and effort on your part.

Instead of handling the dispute yourself, consider reaching out to a reputable credit repair company. Most ordinary services might not be trustworthy, so avoid hiring typical services as they are often poorly rated. A good, reliable credit repair company, like The Credit Pros, can help you efficiently deal with potentially inaccurate information, saving you time and effort.

Here’s what we advise you to do:
- Confirm the inaccuracy of 8005812620 on your report.
- Avoid hiring subpar credit repair services.
- Consider reputable companies like The Credit Pros to handle the dispute for you.

As a final point, make sure you verify the inaccuracy, steer clear of unreliable services, and seek help from trusted experts like The Credit Pros to manage your credit report effectively.

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.

• 8555635635
• 9077708100
• 8005812620
• 8008882238
• 8888664352
• 8884802432
• 8887622265
• 8885680296
• 8647521800
• 8773299029