Who is 8445850488 and why are they calling me?

The number 844-585-0488 is likely associated with a scam. Although it might appear legitimate, many users report receiving fraudulent calls and texts from this number, often posing as Bank of America. It's crucial you don't engage with these callers.

Here’s what we advise you to do:

1. Do not engage: Don't provide any information to these callers.
2. Verify directly: Always call the number on the back of your credit or debit card for verification.
3. Check your credit report: Look for any inaccuracies or unauthorized entries.
4. Seek professional help: Contact Credit Pros for a free 3-bureau credit report evaluation. They can help identify and dispute any potentially inaccurate items.

To sum up, if you receive a call from 844-585-0488, avoid engaging, verify with your bank directly, check your credit report, and seek professional assistance if needed. Taking these steps can protect your financial health.

To stop 844-585-0488 from harassing you and report them, follow these steps:

1. Document Everything: Keep a detailed log of every unwanted call, noting the date, time, and content.
2. Register with Do Not Call: Add your number to the National Do Not Call Registry at DoNotCall.gov.
3. Block the Number: Use your phone’s call-blocking feature or contact your service provider.
4. Report to FCC and FTC:
- FCC: File a complaint at fcc.gov/complaints.
- FTC: Report telemarketing calls at ReportFraud.ftc.gov or DoNotCall.gov.
5. Cease and Desist Letter: Use a cease and desist template from eforms.com/cease-and-desist.
6. Consider Legal Actions:
- Restraining Order: If harassment continues, consider getting a restraining order.
- Harassment Lawyer: Consult a lawyer specializing in harassment.

Other steps you can take include using call-blocking apps like 'Robokiller', contacting your phone carrier for blocking options, and reporting the issue to the CFPB at consumerfinance.gov/complaint or (855) 411-2372. If you use Nomorobo, report unwanted robocalls via their platform. Finally, check with local or state consumer protection offices for additional resources.

To wrap things up, by documenting the calls, blocking the number, and reporting to the appropriate authorities, you can take effective steps to stop 844-585-0488 from harassing you.

You should block and ignore the number 8445850488. Here’s why:

- Potential Scam: Engaging with this number could mean dealing with scammers trying to get your personal information.
- Blocking Impact: Blocking the number won’t harm your credit score. It’s a simple step to avoid potential issues.
- Dealing with Debt Collectors: If this number is a persistent debt collector, blocking it can prevent further harassment. Ignoring without blocking might lead to more calls.
- Credit Repair: If this is affecting your credit score inaccurately, you should work with a reputable credit repair company. They can help remove any negative items on your report, allowing you to block the number and let them handle the disputes.

In the end, blocking 8445850488 protects your personal information and financial health, making it a smart and stress-free choice.

Yes, a debt collector like 844-585-0488 can potentially sue you, but it's very unlikely. Debt collectors usually consider lawsuits a last resort, preferring methods like calls and letters.

They need to prove that you owe the debt, that the amount is correct, and that they have the legal right to sue. This is tough if the debt has changed hands multiple times. Suing is costly and time-consuming, so they usually try to settle out of court. Also, each state has a statute of limitations. If the debt is old, it might be past this period.

If they do sue, you will get a court summons and complaint. You must respond 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 practices by debt collectors. If you receive a lawsuit notice, consult an attorney to understand your options.

As a final point, remember that understanding your rights and knowing your options can greatly reduce stress and empower you to handle such situations effectively.

If 8445850488 might have your personal information, don’t panic. Here's what you need to know and do:

First, you should never provide any information if you get a call from this number. Debt collectors like this may not have your best interests at heart. It's best if you don't even pick up calls from numbers you don't recognize, especially known spam numbers. Engaging with them usually leads to more unwanted calls.

Next, you should focus on your credit report. Obtain your 3-bureau credit report to identify any inaccurate or negative items affecting your credit score. Working with a reputable credit repair company can help you handle any inaccuracies or disputes on your credit report. They can assist you in challenging and removing unauthorized or erroneous items, ensuring your report reflects accurate information.

Bringing it all together, avoid engaging with calls from 8445850488, check your credit report, and consider working with a reliable credit repair company to address any inaccuracies for better credit health.

8445850488 is linked to a debt collection company that handles various types of debt. If you're contacted by them, you're likely dealing with:

- Credit card debts
- Medical bills
- Unpaid loans (personal loans, student loans)
- Utility bills

This company typically buys debt from original creditors like banks, credit card companies, healthcare providers, and utility companies. They then work to recover as much of the outstanding debt as possible.

It's crucial that you verify any debt before making payments.

All things considered, if you get a call from 8445850488, make sure you verify the debt and understand your options for addressing it.

To check if you owe money to 844-585-0488, start by examining your records. Look for any final bills, account statements, or receipts from past accounts that might indicate a debt. Check your credit report for any signs of this number listed under collections.

If you see a collection from 844-585-0488, request debt validation from the collection agency to confirm the debt’s validity. Avoid direct communication with them to prevent restarting the statute of limitations on old debts.

You can also dispute inaccuracies on your credit report, but this process can be lengthy and requires persistence. If you're facing harassment or disputing the debt, consider consulting a consumer protection lawyer. Lastly, remember not to pay or share personal information without verifying the legitimacy of the debt.

If you receive debt collection calls from a number like 8445850488, you are protected by several laws and regulations. The primary law is the Fair Debt Collection Practices Act (FDCPA). This federal law prevents debt collectors from using abusive, deceptive, or unfair tactics. For instance, they can't call you before 8 AM or after 9 PM, use offensive language, threaten violence, contact you at work if your employer bans it, or share your debt information with others. They also must provide a written validation notice and stop contacting you if you request it in writing.

Many states also have their own laws offering extra protections beyond the FDCPA. You should check your state's specific regulations, which might include stricter licensing requirements or additional consumer rights.

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 also have the option to sue the debt collector for any violations, potentially recovering damages.

Finally, knowing your rights helps you handle debt collection calls confidently and protects you from unfair or illegal practices.

Yes, Bank of America has faced multiple lawsuits.

First, there is the Class Action Fraud Investigation Lawsuit where consumers claim that Bank of America improperly investigates fraud claims, often issuing form letter denials without a true investigation.

Second, there's the Home Equity Lines of Credit Lawsuit (Dennie v. Bank of America Inc., Case No. 3:24-cv-454) accusing the bank of failing to send required monthly statements to customers behind on payments.

Additionally, Bank of America has several official complaints:
- CFPB Penalty for Unlawful Garnishments: Bank of America was fined $10 million for unlawful garnishments.
- CFPB and OCC Penalty for Mismanagement During COVID-19: They were fined $225 million combined for handling state unemployment benefits poorly.
- Unauthorized Credit Card Accounts: Multiple penalties related to unauthorized account openings and mishandling of credit card rewards and fees.

In closing, Bank of America has faced several significant lawsuits and penalties, ranging from improper fraud investigations to mishandling credit accounts and COVID-19 relief funds.

People online have mixed opinions about the phone number 844-585-0488. Here are specific quotes from various sources:

Reddit Comments:
- From u/ScamHunter: "Had a call from 8445850488 claiming to be from Bank of America about fraud. Felt sketchy, so I called the number on my card instead."
- From u/JaneDoe123: "They asked for my card details and PIN, which seemed off. I hung up and contacted BoA directly."

Spokeo Comments:
- User Review: "The number called me about a fraud alert. I confirmed with Bank of America later that it was legitimate, but always verify!"
- Another Review: "It's a scam. Please report this number if you receive calls asking for personal information."

Other Online Reviews:
- From 800notes.com: "Received a call from 844-585-0488. It was indeed the BoA Fraud Department. Verified by calling BoA myself."
- From WhoCallsMe: "This number is suspicious. They wanted my banking and PIN details, which BoA would never ask for over the phone."

Analysis:
Most comments point towards skepticism and caution when dealing with calls from 844-585-0488. Users frequently recommend verifying the legitimacy of the call by contacting Bank of America directly using the number on the back of your card. Some comments indicate that while the call may be legitimate, it’s essential to be cautious and never provide sensitive information directly over the phone.

Overall, to stay safe, you should always verify calls from 844-585-0488 by contacting Bank of America directly, and never share personal details over the phone.

Yes, you should remove 844-585-0488 from your credit report if you confirm it’s there and it's potentially inaccurate. Disputing this on your own will take a lot of time and energy. Instead, we advise you to consider a reputable credit repair company to help. Most credit repair companies are poorly rated and deceptive, but finding a good one, like 'The Credit Pros,' can make a significant difference.

They can save you hours of effort and increase your chances of successfully removing potentially inaccurate negative items from your report. Avoid hiring typical credit repair companies as they often don't maximize your chances. Reach out to a reputable service for help.

As a final point, it's essential that you verify inaccuracies quickly, consider using a reliable credit repair company like 'The Credit Pros,' and avoid deceptive services to save time and improve 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.

• 8004212110
• 8005361584
• 8445850488