Home / Who is 8664300311 and why are they calling me?

Who is 8664300311 and why are they calling me?

  • Phone number 8664300311 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.
List of company featuring our services Why is 8664300311 calling me

If you've been getting calls from 866-430-0311, it’s likely tied to Portfolio Recovery Associates, a debt collection agency, or a potential scam. These calls can be alarming and annoying, especially if they’re affecting your credit score. Ignoring or blocking the number might stop the calls temporarily, but that’s not a long-term solution.

If this is a debt collector, they may have bought an old debt of yours and are now trying to collect it. Sometimes, these calls come from intermediary companies acting on behalf of the debt collector, which makes them more relentless. Simply blocking or ignoring the calls won’t solve the root of the problem and might harm your financial well-being in the long run.

Call The Credit Pros at the number above. We can review your three-bureau credit report to see if this is a legit debt or just an error. We’ve helped many people remove potentially inaccurate negative items, which can boost your credit score and improve your financial situation. Addressing this issue now can save you a lot of stress and ensure your financial security.

Who Is 8664300311: Scam Or Legitimate?

The number 866-430-0311 is linked to Portfolio Recovery Associates, a debt collection agency. However, be cautious as it might still be a scam.

First, don’t engage with the caller directly. Avoid discussing any personal information or agreeing to any payments until you validate the call.

Second, verify the debt for which you are being contacted. You have the right to seek proof of the debt. Request documentation and take the time to ensure it is accurate.

Check your credit report. Pull a free 3-bureau credit report evaluation to spot any inaccuracies or suspicious activities. Look for any incorrect or negative items that need addressing.

You should block the number to prevent further calls. Working with a reputable credit repair service, like The Credit Pros, can help you verify and dispute any incorrect items on your report.

To sum up, if you receive a call from 866-430-0311, don’t engage directly. Verify the debt, check your credit report, block the number, and consider seeking professional assistance. Stay cautious and take control of your financial health.

How Do I Stop 8664300311 From Harassing Me (How To Report Them)?

To stop 866-430-0311 from harassing you and to report them, you should take the following steps:

First, document unwanted interactions. Keep a detailed log with dates, times, and what was said during each call. This helps when you report them or if you take legal action.

Next, register your number at DoNotCall.gov. It only takes a couple of minutes. You should also block the number on your phone or through your service provider.

Consider sending a cease and desist letter. You can find templates from eforms.com. This might help stop the harassment.

You can also use call blocking apps:
- For Android, try 'Call Blocker - Stop spam calls'.
- For iPhone, use 'Robokiller: Spam Call Blocker'.

Next, report to the FCC by filing a complaint at fcc.gov/complaints. Choose "unwanted calls" and provide details like the number, date, and time of the call.

If the calls involve telemarketing or if they ignore the Do Not Call Registry, report to the FTC at ReportFraud.ftc.gov.

Consider submitting a complaint to the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint or by phone at (855) 411-2372. Be sure to include all details and what resolution you are seeking.

Finally, contact your phone carrier to ask about any call-blocking tools or options they provide.

To wrap things up, by documenting the calls, using blocking tools, and reporting the harassment to the appropriate authorities, you'll be well-equipped to stop and handle the harassment from 866-430-0311.

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

Should I Block Or Ignore 8664300311?

You should block the number 8664300311. If it's a debt collector, blocking or ignoring them won't impact your credit score. Blocking them, especially if they are harassing you, is a smart move. However, if you believe the debt is inaccurate, it is crucial that you address any inaccuracies on your credit report.

You should work with a reputable credit repair company to remove any negative marks. Your credit score won’t drop just because you block them. If it's already on your report as a collection, it can't harm your score any further.

In the end, blocking 8664300311 helps you avoid stress, and addressing any inaccuracies on your credit report ensures you maintain a healthy credit score.

Can A Debt Collector Like 8664300311 Sue Me?

Yes, a debt collector like 8664300311 can sue you, but it's typically a last resort you don't need to overly stress about. Here’s why:

- Last Resort: Lawsuits are usually only pursued if the debt is substantial, often over $5,000, making it worth the time and money for the collector.
- Proof Required: To sue, they must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be challenging, especially if the debt has changed hands multiple times.
- Statute of Limitations: Each state has a time frame-called a statute of limitations-within which a debt collector can sue you. If your debt is old, it might be beyond this period, making a lawsuit less likely.
- Costs and Efforts: Suing is expensive and time-consuming. Many collectors prefer to settle outside of court to avoid these costs.

Instead of suing, debt collectors usually try other methods first, like calling and sending letters. If a debt collector decides to sue, you’ll receive a court summons and complaint. You must respond by 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), which protects you from abusive or deceptive practices. If you receive a lawsuit, consider consulting an attorney to understand your options and defenses.

As a final point, remember that while a debt collector like 8664300311 can pursue legal action, it’s usually their last step. Make sure you know your rights, respond to any legal notices, and seek legal advice if needed.

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

8664300311 Might Have Your Personal Information

8664300311 might have your personal information, so here's what you should do:

First, don't provide any information if you receive a call from this number. It's crucial that you guard your personal details.

You should avoid picking up calls from this number. Answering can lead to harassment or pressure to pay debts that might not be valid.

Next, obtain your 3-bureau credit report. This helps you understand your current credit situation.

Build a comprehensive plan based on your credit report. Dispute errors, pay off valid debts, or set up a budget to manage your finances better.

Consider working with a reputable credit repair company like The Credit Pros for expert assistance in navigating credit issues and boosting your credit score.

Bringing it all together - don't provide info, avoid calls, get your credit report, create a plan, and consider professional help to protect your personal information and improve your financial health.

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

Types Of Debt Collected By 8664300311

The types of debt collected by Portfolio Recovery Associates, which uses the phone number 8664300311, include various obligations. These can be:

- Credit Card Debt: Unpaid balances from credit cards that you might have left unsettled.
- Auto Loans: Delinquent car loans that were not fully repaid.
- Personal Loans: Outstanding amounts on personal loans, even payday loans.
- Medical Bills: Unpaid healthcare expenses that you haven't settled with providers.
- Utility Bills: Past due utility bills for electricity, water, and gas.

They collect these debts by purchasing them from various creditors such as banks, credit card companies, and other lenders. If you receive a call, always verify the debt before making any payments to ensure it is legitimate and accurate.

All things considered, it's essential you verify any debt thoroughly before making payments to ensure accuracy and legitimacy.

How Do I Check If I Owe Money To 8664300311?

To check if you owe money to 8664300311, start by looking through your own financial records for any final bills, account statements, or equipment return receipts related to this debt.

Next, pull your credit report from Equifax, Experian, and TransUnion. This will help you see if the debt is listed there. If the debt does appear, request a debt validation notice from the collections agency. This notice should detail the original creditor and the amount owed.

You may also consider consulting a consumer protection lawyer if you're being harassed over disputed debts. It's crucial to gather as much documentation as possible from your own records and credit reports before reaching out to any debt collectors, including Portfolio Recovery Associates.

Lastly, always verify the debt first; initiating direct contact without verification could restart the statute of limitations on old debts.

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

Which Debt Collection Laws And Regulations Protect Me From 8664300311

If you're dealing with calls from 8664300311, which we've identified as a number used by Portfolio Recovery Associates, there are several laws and regulations designed to protect you. Here's what you need to know:

Federal Law: Fair Debt Collection Practices Act (FDCPA)

Prohibitions:

- Inconvenient Times: They can't call you before 8 AM or after 9 PM.
- Contacting at Work: They can't call you at work if your employer prohibits it.
- Abusive Language: They must avoid obscene or abusive language.
- Threats: They can't threaten violence or criminal actions.
- Harassment: They can't repeatedly call you to harass.
- False Representation: They can't pretend to be attorneys or government officials.
- Third-Party Disclosure: They can't disclose your debt to others.
- Illegal Demands: They can't ask for more money than what you owe.

Required Disclosures:

- Validation Notice: They must send you a written notice about your debt, including the amount and creditor's name, and your rights to dispute.
- Debt Dispute: If you dispute within 30 days, they must verify the debt and stop trying to collect until they do.
- Disclosure Statement: They must tell you the communication is to collect a debt.

Your Rights:

You can demand, in writing, that they stop contacting you (except for certain exceptions). If you have a lawyer, they must contact your lawyer instead of you. You can sue for FDCPA violations within one year for damages up to $1,000, plus attorney fees. Report violations to the FTC, CFPB, or your state attorney general for enforcement actions. State laws also may have additional protections, so check with your state attorney general's office for specifics.

Finally, remember you have robust protections under these laws, and if your rights are being violated, take action by reaching out to an attorney or reporting the behavior to the appropriate authorities.

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 8664300311/Portfolio Recovery Associates, Llc Have Any Lawsuits Against Them?

Yes, Portfolio Recovery Associates, LLC (PRA) has several lawsuits and consumer complaints against them.

First, the Consumer Financial Protection Bureau (CFPB) took action against PRA in 2023 for violating a 2015 order, collecting unsubstantiated debts, and using deceptive collection practices. The court ordered PRA to pay over $24 million in penalties and consumer redress. Earlier, in 2015, PRA was ordered to pay over $27 million for similar deceptive debt collection tactics, including collecting debts without proper documentation.

Moreover, thousands of complaints highlight PRA's aggressive and possibly illegal debt collection practices. They often face accusations of harassment and filing lawsuits without proper evidence. PRA's actions have frequently violated the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), according to the CFPB. Numerous consumers have also filed complaints with the Better Business Bureau (BBB) and CFPB, citing misleading information and inappropriate collection practices.

In closing, if you need help dealing with PRA, it's crucial that you demand documented proof of any claimed debt, and consider seeking legal assistance.

What Do People Online Say About 8664300311?

Here's what people online are saying about 8664300311:

User "Denise Crowley" reported: "Called and portfolio recovery showed on Verizon caller ID, declined call. No msg left." A user on Robokiller commented: "Scam debt collector. Trying to collect on a debt that has nothing to do with me." From Reddit, user "April 14, 2024," noted: "Nonstop 10yr old charge off." Other comments included: "Collection agent I do NOT owe," "They call even on a Sunday," "Relentless," "Tried to reason with them," and "Appalachian Wholesalers."

Analysis:
Most comments about 8664300311 suggest you might be dealing with persistent or unwanted contact from a debt collection agency, often Portfolio Recovery Associates. You might notice calls even on weekends, attempts to collect debts you don't recognize, and non-stop calling without messages. This irritation points to aggressive debt collection practices.

Overall, people online find 8664300311 frustrating due to relentless calls and attempts to collect questionable debts. Stay vigilant and consider blocking the number if these calls disrupt your peace.

Do I Really Need To Remove 8664300311 From My Credit Report?

Yes, you really do need to remove 866-430-0311 from your credit report if it's there and potentially inaccurate. It’s crucial that you ensure your credit report is accurate to prevent any negative impacts on your financial health.

First, confirm that the number is on your credit report and that it's incorrect. Next, save yourself time and energy by contacting a reputable credit repair company. Avoid typical credit repair companies, as many are ineffective and poorly rated.

Instead, try reaching out to highly recommended companies like The Credit Pros. They can significantly improve your chances of successfully removing negative items from your report.

As a final point - remember, fixing credit issues can be lengthy, but with reliable help, you can make the process less stressful and more effective.

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

Here are other formats 8664300311 can be written

- +1 866-430-0311
- +1 (866) 430-0311
- +1 866 430 0311
- (866) 430-0311
- 866-430-0311
- 866.430.0311
- 866 430 0311
- +18664300311
- (866) 430-0311
- 866.430.0311
- 8664300311

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

Privacy and Cookies
We use cookies on our website. Your interactions and personal data may be collected on our websites by us and our partners in accordance with our Privacy Policy and Terms & Conditions