Who is 8443774136 and why are they calling me?

844-377-4136 is likely associated with Synchrony Bank regarding PayPal credit accounts. While the number belongs to a legitimate institution, it's still crucial that you proceed with caution due to the prevalence of scams.

You should:
- Not engage directly or share personal information with the caller.
- Verify any debt before making payments.
- Pull your credit report and check for any inaccurate negative items.
- Block the number to avoid further disturbances.

We recommend that you contact us for a free 3-bureau credit report evaluation to verify any debt and potentially dispute errors. It's always better to safely validate any such claims with professional assistance like The Credit Pros, who have extensive experience handling similar situations.

To sum up, you should proceed cautiously by not sharing personal info, verifying debts, checking your credit report, and seeking professional help. Stay safe and informed!

To stop 844-377-4136 from harassing you, here's what you need to do:

First, document the calls. Keep a log with dates, times, and any abusive language used. This will be useful if you need to report the issue.

Next, register on the Do Not Call Registry at DoNotCall.gov. It takes just a couple of minutes. This can stop many unwanted calls.

You should block the number using your phone’s call-blocking feature or by contacting your service provider. Additionally, use call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for iPhone.

File complaints:
- Federal Communications Commission (FCC): File a complaint at fcc.gov/complaints.
- Federal Trade Commission (FTC): Report at ReportFraud.ftc.gov.
- Consumer Financial Protection Bureau (CFPB): Submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

If harassment continues, escalate the issue by getting a restraining order or hiring a harassment lawyer. You might also consider sending a cease and desist letter, which you can find templates for at eforms.com/cease-and-desist.

Contact your phone carrier for additional blocking tools, and if you use Nomorobo, report the unwanted calls through their platform.

To wrap things up, remember to document calls, use the Do Not Call Registry, block the number, file complaints, and consider legal action if necessary. This approach will help you stop 844-377-4136 from harassing you.

You should block or ignore calls from 844-377-4136 if they're harassing you. This number belongs to Synchrony Bank, a debt collector that might be affecting your credit score. Blocking or ignoring these calls won't harm your credit score directly, but it's crucial that you address the debt itself.

Consequences of Blocking/Ignoring:
- No direct impact on your credit score from blocking.
- If the debt is already on your credit report, ignoring won't cause further damage.

Recommended Actions:
1. Block 844-377-4136: This can reduce stress and prevent harassment.
2. Review Your Credit Report: Ensure the debt information is accurate.
3. Work with a Credit Repair Company: Professionals can help you dispute inaccuracies.

In the end, blocking the number can reduce stress, but you need to check your credit report and, if necessary, work with a credit repair company to address any inaccuracies.

Yes, a debt collector like 844-377-4136 can sue you, but it’s not very likely. They usually only resort to lawsuits if the debt is substantial, typically over $5,000, and worth the cost and effort for them. They need to prove that you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging especially if the debt has changed hands multiple times.

Debt collectors prefer to collect debt through calls and letters first because suing is expensive and time-consuming. Additionally, every state has a statute of limitations which limits the time frame within which a collector can sue you. If the debt is old, it might be beyond this period, making a lawsuit less likely.

If they do decide to sue, you will receive a court summons and a complaint. You must respond to avoid a default judgment. This judgment could lead to wage garnishment or bank account levies, but this is again very unlikely.

Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights that protect you from abusive or deceptive practices by debt collectors. If you receive a lawsuit, consider consulting with an attorney to understand your options and defenses.

Here’s what we advise you to do:
- Check the statute of limitations in your state.
- Ensure the debt collector can prove you owe the debt and the amount.
- Be aware of your rights under the FDCPA.
- Respond to any lawsuit within the specified deadline to avoid a default judgment.

As a final point, you should be proactive in understanding your rights and the specifics of your debt situation to navigate any potential legal action effectively.

8443774136 might have your personal information, but don’t provide any details to debt collectors like this one. It's best if you don’t even pick up when they call. These calls are often spam or attempts to collect on debts, which can hurt your credit score.

Here’s what you should do instead:
- Obtain your 3-bureau credit report.
- Build a comprehensive plan to improve your credit.
- Work with a reputable credit repair company, like The Credit Pros.

By blocking such calls, you reduce stress and focus on improving your credit. Ignoring the call won’t change what you need to do: address any inaccuracies on your credit report and challenge the debt.

Bringing it all together - block the number, get your credit report, and consult with credit repair specialists to take charge of your financial health.

Types of Debt Collected by 8443774136

When dealing with 8443774136, you might face collections for various types of debt. They often collect credit card debts, personal loans, auto loans, and even cell phone bills. Typically, they act on behalf of creditors like Synchrony Bank.

You will likely hear from them if you're behind on these payments. They don’t focus on specific brands but rather on these broad categories of debt.

If you need more information about a debt they're collecting, you should ask for specifics like the creditor's name, the exact amount owed, and verification of the debt. This ensures you're dealing with a legitimate debt collector, not a scam.

Feel free to reach out to us at The Credit Pros if you have questions or need help managing such collections. We're here to assist you!

All things considered, understanding the types of debt collected by 8443774136 and knowing how to verify and manage them helps you stay informed and avoid potential scams.

If you need to check if you owe money to 844-377-4136, you can follow these steps:

First, go through your personal records for any Synchrony Bank or PayPal Credit statements. Ensure all your payments are up to date.

Next, obtain your credit report from Experian, Equifax, and TransUnion. Look for any entries linked to Synchrony Bank or collections about 844-377-4136. Verify the accuracy of these entries.

If you find a debt, request debt validation from the collections agency. They must provide proof that the debt is valid and belongs to you.

Lastly, avoid contacting 844-377-4136 directly and consult a consumer protection lawyer if you're feeling harassed.

You need to gather your documents, check your credit report, and handle the situation without making direct contact. Reach out to a professional if needed.

If calls from 844-377-4136 are troubling you, several laws protect you from unfair debt collection practices. Here's what you need to know:

Fair Debt Collection Practices Act (FDCPA):
- Abusive Practices: Collectors can’t use abusive language, threaten violence, or harass you with repeated calls.
- Calling Hours: They can’t call before 8 AM or after 9 PM or contact you at work if your employer disapproves.
- Validation Notice: Within five days of initial contact, they must send a written notice about the debt, including the amount, creditor’s name, and your right to dispute it.
- Stop Communication: You can request in writing to stop all communication. They can only contact you once more to inform you of any intended action.

State Laws:
- Your state may offer additional protections like licensing requirements for collectors. Check with your state's attorney general’s office.
False Representations:
- Collectors can’t pose as attorneys or government officials, or falsely claim you’ve committed a crime.
Third-Party Disclosure:
- They can’t discuss your debt with friends, neighbors, or coworkers without your permission.

If a debt collector violates these rules, you can report them to the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB). You can also sue within one year of the violation for potential damages and attorney fees.

For credit report inaccuracies related to 844-377-4136, dispute the information with the credit bureau. Consider reaching out to a credit repair expert like The Credit Pros for help.

Finally, remember these laws are here to protect you. If you’re dealing with 844-377-4136, assert your rights, report violations, and seek professional help if needed to ensure fair treatment.

Yes, Synchrony Bank does have multiple lawsuits and complaints against them. Here are a few notable cases:

- Class Action Complaint: Synchrony faced allegations of securities fraud, with claims of misleading statements about their underwriting practices. It was argued that they offered credit cards to riskier borrowers, which negatively affected their share value. Even Walmart sued them over similar underwriting issues.
- Nichols vs. Synchrony Bank: Christopher Lyle Nichols accused Synchrony of violating the Fair Debt Collection Practices Act (FDCPA) over a Lowe's credit card debt.
- Sam Stokley vs. Synchrony Bank: This small claims case in New London County involved a credit card debt dispute.
- David Richitelli vs. Synchrony Bank: Another small claims dispute over a credit card debt, filed in New Haven County.

Additional Complaints:
- CFPB Complaints: Synchrony has been reported for aggressive debt collection practices.
- Justice Department Settlement: They settled claims for illegal credit card practices as GE Capital Retail Bank.

These cases show that Synchrony Bank faces significant legal and consumer challenges. If you're dealing with them, consider seeking professional advice.

In closing, Synchrony Bank has a history of legal issues, from securities fraud to aggressive debt collection practices. If you're involved, professional guidance can be invaluable.

People online have shared various experiences with the number 844-377-4136. Here's what they are saying:

On Reddit, user FearToxin Scanner noted:
- "This number is likely spoofed, look for the real one in the transcript."
- "This is a message from Synchrony Bank regarding PayPal credit...This is a spam call listed on Nomorobo’s site."

From a thread about Nomorobo:
- January 26, 2022: "This is a legit call."
- January 10, 2022: "Scam."
- October 8, 2021: "This IS Paypal Credit... it is legitimate and not a SCAM, but it is a robocall."
- August 2, 2021: "This is NOT a scam! It IS annoying... PayPal credit 'reminding' me that a payment is due."
- April 22, 2021: "They are Synchrony Bank, PayPal’s credit card company... they will call you non stop."

On Robokiller's platform:
- October 15, 2023: "Paypal credit scam!"
- September 5, 2023: "Same as credit one track and unite locations to see scammers."
- March 20, 2023: "Actual PayPal Credit Account call, regarding account information/inquiry."
- November 23, 2022: "PayPal credit scammer."
- October 21, 2022: "Synchrony Bank PayPal kollekshunz."

Overall, you can see that opinions on 844-377-4136 are mixed. Some users believe it's a legitimate reminder from PayPal Credit/Synchrony Bank, while others warn of potential scams or robocalls. Make sure you verify the authenticity if you get a call from this number.

Yes, you should remove 844-377-4136 from your credit report, especially if it's potentially inaccurate. This number is typically associated with Synchrony Bank as a debt collector, which could be negatively impacting your credit score. Dealing with this on your own can be time-consuming and stressful. We advise you to consider reaching out to a reputable credit repair company like The Credit Pros to handle the disputes for you. This will save you the hassle and ensure all your credit information is accurate. Avoid unreliable credit repair companies that often do a poor job.

- Confirm that the collection is on your credit report.
- Identify if the information is potentially inaccurate.
- Avoid hiring unreliable credit repair companies.
- Save time by letting a reputable company handle the dispute.

As a final point, addressing this promptly can minimize negative impacts on your credit score and improve your chances of getting approved for credit at favorable rates.

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.

• 8443774136
• 8667711104