Who is 8664521144 and why are they calling me?

The phone number 866-452-1144 is linked to both legitimate debt collection and potential scam activities. Many reports suggest it comes from Merrick Bank, but the frequency and manner of calls raise concerns.

Here’s what we advise you to do:

- Do not engage: Avoid answering calls from this number or giving any personal information.
- Verify Debt: Independently verify any suspected debt by contacting Merrick Bank directly through verified contact details.
- Credit Report Check: Check your credit report for any negative items related to Merrick Bank to validate if the debt is legitimate.
- Get Help: Consider using services like The Credit Pros to verify debts, dispute inaccuracies, and improve your financial situation.

To sum up - stay cautious, verify independently, and don't pay without clear evidence.

To stop 866-452-1144 from harassing you, start by taking action immediately.

First, document all unwanted interactions. Keep a log of every call, noting dates, times, and any abusive language. Register your number at DoNotCall.gov to add your number to the Do Not Call Registry. Then, block the number using your phone’s call-blocking feature or by contacting your service provider.

Use call-blocking apps like 'Call Blocker - Stop Spam Calls' for Android or 'Robokiller: Spam Call Blocker' for iPhone to automatically filter out spam calls.

Next, file a complaint with the Federal Communications Commission (FCC) for illegal robocalls or spoofing through FCC Complaints. You can also report telemarketing calls or Do Not Call violations to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or DoNotCall.gov.

If the harassment continues or becomes threatening, consider obtaining a restraining order and consult a harassment lawyer. Sending a cease and desist letter using the template available at eforms.com/cease-and-desist can also be effective.

Finally, if you use Nomorobo, report the robocall through their service.

To wrap things up, by following these steps—documenting calls, using the Do Not Call Registry, employing call-blocking tools, filing complaints with the FCC and FTC, and considering legal action—you can stop the harassment and report the number effectively.

You should block 8664521144. If this number is from a debt collector and you feel harassed, blocking the number is a smart move. Blocking stops the calls and reduces your stress without affecting your credit score.

To handle the situation effectively, consider working with a reputable credit repair company. They can assist you with any inaccuracies or disputes on your credit report, which may improve your score.

Here's what you can do:
- Block the number to stop the calls.
- Contact a credit repair company to address any issues on your credit report.
- Stay proactive about your credit situation.

In the end, blocking 8664521144 and seeking help from a credit repair company will reduce your stress and help you manage your finances better.

Yes, a debt collector like 8664521144 can sue you, but it's very unlikely. They might consider suing if you owe a substantial amount, typically over $5,000, and if it's worth their time and money. They would need to prove that the debt is legitimate, the amount is correct, and they have a legal right to sue, which can be challenging, especially if the debt has been sold multiple times.

Debt collectors often prefer to avoid the expensive and time-consuming process of suing by using calls and letters first. Each state has a statute of limitations on how long they have to sue over a debt. If your debt is old, it might be beyond this period, reducing the chances of a lawsuit further.

If they decide to sue, you will get a court summons and complaint. It’s important to respond to avoid a default judgment that could result in wage garnishment or bank account levies. Consulting with an attorney can help you understand your defenses and options.

Additionally, remember you have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive practices. If you ever face a lawsuit, legal advice can help you understand your defenses and options.

As a final point, although it's rare for debt collectors like 8664521144 to sue, it's crucial that you stay informed, respond promptly, and seek legal advice if needed to protect your rights.

If you've received a call from 8664521144, be cautious-8664521144 Might Have Your Personal Information. Avoid providing any personal details. Here's what you should do:

- Don't answer the call. This helps you avoid any potential threats or pressure tactics.
- Obtain your 3-bureau credit report. You need a full picture of your credit status.
- Build a comprehensive plan to improve your credit. This step is crucial for gaining control over your financial situation.
- Consider working with a reputable credit repair company. They have the expertise to handle disputes and inaccuracies on your credit report effectively.

Bringing it all together-avoid engaging with 8664521144, secure your personal information, and take proactive steps to improve your financial health.

If you’re getting calls from 8664521144, they are likely a debt collection service. They primarily handle credit card debts, but they also deal with medical bills, utility bills, and loans. They usually buy these debts from various creditors.

You should be aware that they follow strict debt collection practices. If you’ve received a call from this number, it’s likely they are trying to collect on one of these outstanding debts.

All things considered, it’s crucial that you understand the types of debt collected by 8664521144 and address the matter appropriately.

To check if you owe money to 8664521144, start by reviewing your records, including final bills, account statements, and equipment return receipts. It's important that you don't contact the number directly as it could reset the statute of limitations on old debts.

Here’s what we advise you to do:

- Review Your Credit Report: Check if a debt from Merrick Bank appears on your credit report. You can get a free copy of your credit report from each of the three major credit bureaus annually at AnnualCreditReport.com.
- Request Debt Validation: If you find a debt from Merrick Bank on your credit report, request debt validation from the collection agency to ensure the debt is legitimate.
- Consult a Consumer Protection Lawyer: If you're being harassed over disputed debts, consider consulting a lawyer for advice on how to proceed.
- Dispute Inaccuracies: It is crucial that you address any inaccuracies on your credit report, even though this process can be lengthy and require consistent effort over several months.

Lastly, always gather as much documentation as possible to prevent issues with inaccurate collection efforts and protect your credit.

When dealing with debt collection calls from 8664521144, you have several laws and regulations to protect you.

Fair Debt Collection Practices Act (FDCPA): This federal law shields you from abusive, deceptive, or unfair debt collection practices. It covers personal debts like credit cards, auto loans, medical bills, and mortgages.
- Collectors cannot call before 8 AM or after 9 PM, use threatening language, or repeatedly harass you.
- They cannot contact you at work if your employer disallows it.
- They cannot falsely claim to be attorneys or government representatives.
- They must send you a written notice outlining your debt and rights within five days of first contact. If you dispute the debt in writing within 30 days, they must provide verification and stop collecting until they do.

State Laws: Many states add extra layers of protection on top of the FDCPA. For example, in New York, debt collectors must be licensed. Check with your state attorney general for specifics.

Fair Credit Reporting Act (FCRA): This law governs how your debt gets reported on your credit report. You have the right to dispute inaccuracies, and credit reporting companies must correct any errors after investigation.

Consumer Rights:
- You can send a written request to stop all communications from the debt collector.
- If the collector violates the FDCPA, you can sue them within one year to recover damages and attorney fees.
- If you have a lawyer, the collector must communicate with your attorney instead of you.

If you face issues, you can report violations to the Consumer Financial Protection Bureau (CFPB) or your state's attorney general.

Finally, understand your rights, use these protections, and take proactive steps to handle debt collection calls effectively.

Yes, Merrick Bank has several lawsuits and complaints against them.

Lawsuits:
- FDIC Settlement: Merrick Bank was ordered to pay $16.1 million for deceptive marketing of a credit card add-on product called the “PAYS Plan” between 2008 and 2013. They misrepresented the product's benefits and failed to disclose important terms.
- TCPA Violation: Merrick Bank faces a class action lawsuit for violating the Telephone Consumer Protection Act (TCPA) by making automated robocalls without proper consent from consumers.
- Marlos Reynolds v. Merrick Bank: This case involved allegations that were ultimately dismissed by the United States District Court, Eastern District of Missouri, due to failure to state a claim.

Complaints:
- Identity Theft Issues: Multiple consumers have reported fraudulent accounts opened in their names, leading to identity theft claims being filed.
- Unauthorized Fees: Complaints about account set-up and annual fees being charged on accounts that were never used.
- Consumer Reports: Merrick Bank has faced scrutiny for inaccurately reporting information to consumer reporting agencies, impacting credit scores.

If you're dealing with them, it's crucial that you stay informed and protect your rights. You might consider consulting a legal professional if you find yourself affected.

In closing, Merrick Bank has faced significant legal challenges, including settlements and class action lawsuits. Stay vigilant and consider seeking legal advice if you encounter issues with them.

People online have a variety of opinions about the phone number 8664521144. Here are some specific quotes from users:

- "Caller ID and caller presents himself as Merrick Bank debt collector. But I have no outstanding debts or unpaid/late payments, and the caller had a thick foreign accent, likely Indian calling from overseas. So BEWARE!!!!!!!!!!!!!!" - Anonymous
- "Received a call from this number a week ago. Never answered. Lady answered on the other end and laughed." - Anonymous
- "Scam call. Diabetic supplies for Medicare holders. This is a scam." - Anonymous
- "Love the app." - Anonymous
- "Legitimate bank." - Anonymous

From these quotes, it's clear that opinions are mixed. Some of you might suspect the number is used for scams, especially considering the reported behavior and foreign accents. Others believe the calls to be legitimate but emphasize caution.

Overall, it's crucial that you stay vigilant and verify any claims made by callers from 8664521144. Always trust your instincts and protect your personal information.

Yes, you should remove 8664521144 from your credit report if you've identified it as potentially inaccurate. Verify that this collection is on your report. If it is and you believe it to be inaccurate, it's essential that you dispute it.

Handling disputes on your own can be time-consuming. Instead, you might want to consider reaching out to a reputable credit repair company like The Credit Pros. They can save you hours of work and increase your chances of successfully removing the negative item.

Most typical credit repair companies are often poorly rated and don't maximize your chances for success. Choose wisely to ensure you get the best help possible.

As a final point, verify the inaccuracy, consider professional help, and choose a reputed company for your credit repair needs.

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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.

• 8665299848
• 8664521144
• 8665239144