Home / Who is 8555227663 and why are they calling me?

Who is 8555227663 and why are they calling me?

  • Phone number 8555227663 is likely a debt collector called:' Portfolio Recovery Associates'.
  • 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: 8664300311

Calls from 855-522-7663 usually come from Portfolio Recovery Associates, a company that buys old debts and tries to collect on them. Ignoring or blocking the number might stop the calls temporarily, but it won't address the issue.

Portfolio Recovery Associates likely acquired one of your outstanding balances and is aggressively pursuing it. Intermediaries might also call on their behalf. Ignoring these calls is not a lasting solution, and it can hurt your financial stability if not properly managed.

Reach out to The Credit Pros at the provided number for an easy, no-pressure evaluation of your three-bureau credit report. We will verify if the debt is legitimate and help remove any potentially inaccurate negative items. Many people have seen their credit scores improve and the harassing calls stop after working with us. Your financial well-being is worth a quick call!

Who Is 8555227663: Scam Or Legitimate?

The number 855-522-7663 is linked to Capital One's Fraud Department. However, scammers often use this number, making it hard to tell if the call is legitimate or a scam.

Here’s what we advise you to do:
- Do not engage directly with the caller. Instead, verify by calling Capital One’s official number from their website or credit card.
- Do not provide any personal information like your Social Security number or credit card details to unsolicited callers.
- Check your credit report for any unusual activity. You can get a free 3-bureau credit report evaluation from us to spot potentially inaccurate, negative items.
- Report suspicious calls to Capital One and consider freezing your credit if you're concerned about identity theft.

We at The Credit Pros can help verify any debt, dispute inaccuracies, and improve your financial prospects.

To sum up, always verify calls independently, avoid sharing personal info with unsolicited callers, monitor your credit report, and report suspicious activity.

How Do I Stop 8555227663 From Harassing Me (How To Report Them)?

To stop 8555227663 from harassing you and report them, follow these steps:

1. Document Unwanted Interactions: Keep a log with dates, times, and any abusive language used.
2. Register Your Number: Visit DoNotCall.gov to register your number on the National Do Not Call Registry. After 31 days, if you still receive calls, you can file a complaint.
3. Block the Number: Use your phone’s built-in call-blocking feature or contact your service provider for assistance. You can also use apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.
4. Report to Authorities:
- FCC: File a complaint for illegal robocalls or other unwanted calls at FCC Complaints. Select "unwanted calls" and provide details.
- FTC: Report to the Federal Trade Commission at ReportFraud.ftc.gov for telemarketing calls or violations of the Do Not Call Registry.
- CFPB: Submit a complaint online at CFPB Complaint or call (855) 411-2372.
5. Cease and Desist Letter: Send a cease and desist letter using a template from eforms.com.
6. Local Consumer Protection Office: Contact your local or state consumer protection office for additional resources or complaint mechanisms.

To wrap things up - document the calls, register your number on DoNotCall.gov, block 8555227663, and report them to FCC, FTC, or CFPB. Follow these steps and you can stop the harassment and get back to your daily life.

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

Should I Block Or Ignore 8555227663?

You should block 855-522-7663. Ignoring the number may seem like an option, but it won't stop the calls and could cause you unnecessary stress. Blocking the number ensures these calls can't disturb you anymore. If you think it's a debt collector like Portfolio Recovery Associates, blocking them won't harm your credit score.

Your score is already affected if the debt is on your credit report, so blocking the calls won't make it worse. If you believe the debt is incorrect or you’re being harassed, consider working with a reputable credit repair company. They can help remove inaccurate items from your credit report. Blocking these calls won't affect your ability to resolve any disputes with their help.

Blocking can also prevent you from falling into potential traps or scams. Ignoring calls still allows the number to contact you repeatedly, which can be frustrating. It’s better to block the number to prevent any further nuisance.

- Block the number to avoid continuous calls.
- Blocking won't negatively impact your credit score.
- Consider a credit repair company if there’s an inaccurate debt.

In the end, blocking 855-522-7663 helps you avoid stress, potential scams, and allows you to focus on resolving any credit disputes effectively.

Can A Debt Collector Like 8555227663 Sue Me?

Yes, a debt collector like 8555227663 can sue you, but it's unlikely. Debt collectors usually sue as a last resort and typically for debts over $5,000. They must prove you owe the debt, the amount is correct, and they have legal standing to sue. This can be difficult if the debt has changed hands multiple times.

Suing is expensive and time-consuming, so debt collectors prefer out-of-court settlements. Every state has a statute of limitations that limits the timeframe in which they can sue you. If the debt is old, they might not be able to sue at all. Debt collectors generally prefer other collection methods like calls and letters.

If you do get sued, you will receive a court summons and complaint. You must respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. Always remember, you are protected by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive or deceptive tactics by debt collectors.

As a final point - remember that while a debt collector like 8555227663 can sue you, it's rare and often a last resort. If sued, respond quickly and consult an attorney to explore your options and defenses.

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

8555227663 Might Have Your Personal Information

If you got a call from 855-522-7663, don’t give out your personal information. It's likely a debt collector, and sharing details can put you at risk. The best move is to avoid picking up calls from this number to dodge potential scams.

Instead, take these steps:
- Get your 3-bureau credit report and start planning to boost your credit.
- Work with a reputable credit repair company that can help manage inaccuracies and disputes effectively.
- They have the expertise to protect your credit score.

Bringing it all together - by not engaging with 855-522-7663, securing your credit report, and getting professional help, you can safeguard your personal information and improve your credit.

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

Types Of Debt Collected By 8555227663

When you get a call from 855-522-7663, they are typically collecting different types of debt, including past-due credit card debt, auto loans, and cell phone bills. They often purchase these debts from original creditors, such as banks, auto finance companies, and cell phone service providers.

If you receive a call from this number, make sure you verify the debt. You should ask for detailed information from the caller. Remember, you have the right to get a written notice of the debt within five days of the initial contact.

All things considered, if you answer a call from 855-522-7663, verify the debt, ask for detailed information, and ensure you receive a written notice within five days to protect your rights.

How Do I Check If I Owe Money To 8555227663?

To check if you owe money to 8555227663, you should start by gathering all your financial records. Look for any final bills, account statements, or equipment return receipts that might indicate an unresolved balance. Next, check your credit report for any collection entries related to the debt. If the debt appears, request debt validation from the collections agency to ensure it is accurate and belongs to you.

Be cautious about contacting the number directly, as this could restart the statute of limitations on old debts. If you're feeling overwhelmed or face harassment, consider consulting a consumer protection lawyer for assistance.

- Gather your own records like final bills and account statements.
- Check your credit report for any entries by the collections agency.
- Request debt validation if you find a collection entry.

Lastly, by taking these steps, you ensure that you verify and manage any potential debts effectively and avoid potential pitfalls.

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

Which Debt Collection Laws And Regulations Protect Me From 8555227663

You are protected from debt collectors, including those potentially calling from 8555227663, by several laws and regulations aimed at ensuring fair treatment.

The Fair Debt Collection Practices Act (FDCPA) is your primary safeguard. This law stops third-party debt collectors from using abusive, deceptive, or unfair tactics to collect personal, family, or household debts. Key protections include:
- Debt collectors can't call before 8 AM or after 9 PM.
- They can't contact you at work if your employer forbids it.
- They must avoid obscene language, threats, or harassment through repeated calls.
- They must send a written notice within five days of initial contact, detailing the debt amount, creditor's name, and your rights to dispute it.

State Debt Collection Laws can offer additional protections. States like New York require strict licensing for debt collectors, adding another layer of security.

Other prohibitions for debt collectors include:
- False representation, such as pretending to be an attorney or a government official.
- Demanding more money than you owe.
- Continuing contact if you request in writing for them to stop, except to confirm or notify you of legal action.

If you think a debt collector, like Portfolio Recovery Associates, has violated these laws, you can:
- Sue for FDCPA violations within one year, potentially recovering damages and attorney fees.
- Report them to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), or your state’s attorney general.

Finally, remember these laws and steps to protect yourself from unfair debt collection practices and ensure your interactions are legal and respectful.

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 8555227663/Portfolio Recovery Associates Have Any Lawsuits Against Them?

Yes, Portfolio Recovery Associates (PRA) has faced multiple lawsuits and numerous official complaints about their debt collection practices.

In 2015, the Consumer Financial Protection Bureau (CFPB) ordered PRA to pay over $27 million in restitution for misleading and illegal actions, such as collecting unsubstantiated debt and misrepresenting debt details. More recently, in 2023, the CFPB filed another lawsuit against PRA for continuing to violate the previous order, including collecting on time-barred and unverified debt. This resulted in over $24 million in penalties and restitution.

You can also find many consumer complaints against PRA filed with both the CFPB and Better Business Bureau (BBB). People have reported experiences of harassment and receiving false or misleading information during debt collection efforts.

In closing, Portfolio Recovery Associates has a history of lawsuits and consumer complaints due to their aggressive and misleading practices. Be aware of these issues if you're dealing with PRA.

What Do People Online Say About 8555227663?

Here's what people online are saying about 855-522-7663:

You might find Reddit user Shawn Coomer sharing about how he missed a call from this number, which turned out to be from the Capital One Fraud Department. He later confirmed it to be genuine. Another user received a letter with the same number, suspected it to be spam, and noticed it had been reported multiple times as a potential scam.

Many people advise caution. One person warned, "Do NOT call 855-522-7663 and do NOT give them your SSN!" Another commenter recounted a dubious experience where the caller claimed to be from Capital One’s Identity Protection Department but chose not to provide personal information over the phone.

Skepticism is common. A user mentioned not finding the number on the official Capital One website, which added to their suspicion. They recommended contacting Capital One directly through official channels to verify any suspicious calls or requests.

Overall, people urge you to verify calls from 855-522-7663 directly with Capital One, stay vigilant about potential scams, and avoid sharing personal information unless you're sure it's legitimate.

Do I Really Need To Remove 8555227663 From My Credit Report?

Yes, you really need to remove 8555227663 from your credit report if it’s there and potentially inaccurate. This is crucial because inaccuracies can harm your credit score.

To handle this, you should:

- Confirm the presence of 8555227663 on your credit report.
- Identify if it's 'potentially inaccurate.'
- Avoid hiring typical credit repair companies, as they often have poor ratings.
- Consider reaching out to a reputable company like The Credit Pros to save time and effort.

As a final point, you should confirm the entry, assess its accuracy, and consider professional help to correct any errors.

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

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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

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