Who is 8665239144 and why are they calling me?

If you're wondering about the number 8665239144, it’s connected to a debt collection agency, likely Merrick Bank. However, it might also be a scam. It's crucial that you don't engage with the caller directly, whether the call is legitimate or not.

Here's what we advise you to do next:

- Block the Number: This helps you avoid further unwanted calls.
- Check Your Credit Report: Obtain your report from Experian, Equifax, and TransUnion. Look for any mentions of Merrick Bank or inaccuracies.
- Avoid Sharing Personal Information: Ensure you don't give out sensitive details over the phone.

If you find Merrick Bank on your credit report, it might be a legitimate call. However, you shouldn't rush to pay without verification. Contact The Credit Pros for a free evaluation to verify the debt and dispute any inaccuracies.

To sum up, block the number, review your credit report, and avoid sharing personal details to protect your financial health.

If you're getting harassing calls from 8665239144, here's how you can stop them and report the harassment effectively.

First, document everything. Keep a detailed log of each interaction with the number, noting dates, times, and the nature of the calls. This information will be crucial for reporting purposes.

Next, block the number. You can add your number to the Do Not Call Registry and block the harassing number on your phone. This will help reduce the calls immediately.

For legal steps:
- Report to CFPB: File a complaint at consumerfinance.gov/complaint. Provide all the details and supportive documents.
- Report to FTC: Report telemarketing violations at ReportFraud.ftc.gov.
- Consult a Lawyer: If harassment persists, look into a restraining order or consult a harassment lawyer. Use a cease-and-desist letter template from eforms.com/cease-and-desist.

You might also want to use call-blocking apps:
- Android: 'Call Blocker - Stop spam calls'
- iPhone: 'Robokiller: Spam Call Blocker'

Additionally, reach out to your service provider to ask about their call-blocking options. Sometimes, they can offer solutions that might not be available through your phone’s settings alone. It's also a good idea to report this number to your state Attorney General or local consumer protection office. They could have extra resources to help you.

To wrap things up, make sure you document every call, block the number, report the harassment to CFPB and FTC, and consider seeking legal advice. These steps will help you stop the harassment from 8665239144 and protect yourself effectively.

You should block the number 8665239144 if you believe it is a debt collector harassing you. Blocking this number will prevent further calls and messages, reducing your stress immediately. If your debt is already on your credit report, blocking the number won't harm your credit score further.

It's crucial that you work with a reputable credit repair company to handle any inaccuracies on your report. Blocking reduces interruptions, while professional help ensures you address potential issues effectively.

Ignoring the calls may lead to continuous disturbances but won't prevent your score from dropping if a debt is reported.

- Blocking reduces stress from constant calls.
- Ignoring won’t affect your credit score further if it’s already reported.
- Work with credit repair services to resolve any inaccuracies.

In the end, blocking the number 8665239144 and seeking professional help is a proactive way to manage the situation and reduce stress.

Yes, a debt collector like 8665239144 can sue you, but it's very unlikely. Here’s why:

1. Resorting to Lawsuits: Debt collectors usually consider suing as a last option. They typically do this only if the debt is substantial, often over $5,000, making the cost and effort worthwhile for them.
2. Proof of Debt: The collector 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 been transferred multiple times.
3. High Cost and Effort: Lawsuits are expensive and time-consuming. Collectors often prefer settling out of court to avoid these costs.
4. Statute of Limitations: Each state has a specific time frame within which a debt collector can sue. If your debt is old, it might be beyond this period, reducing the likelihood of a lawsuit.

What You Should Know:
- Debt collectors generally start with calls and letters to collect the debt.
- If they decide to sue, you’ll get a court summons. It’s crucial that you respond within the specified deadline to avoid a default judgment that could lead to wage garnishment or bank account levies.

Your Rights:
- Under the Fair Debt Collection Practices Act (FDCPA), you are protected from abusive or deceptive practices by debt collectors. If you receive a lawsuit, consider consulting an attorney to understand your options and defenses.

As a final point, while it’s possible for a debt collector like 8665239144 to sue you, it’s very unlikely. Stay informed, know your rights, and you can handle the situation effectively.

If you get a call from 8665239144, do not give them any of your personal or financial information. These calls can be from debt collectors and scammers. It is safer if you don't pick up at all. Scammers often have a lot of your personal information and use various tactics to trick you into giving more, which can then be used for fraud.

Here is what we advise you to do instead:
- Block the number. Engaging with them can cause stress and potential trouble.
- Get your 3-bureau credit report. This helps you understand your credit situation and spot any issues.
- Consider working with a reputable credit repair company. They can guide you through fixing inaccuracies or disputes on your credit report and help you build better credit.

Bringing it all together - Make sure you block 8665239144, check your credit with a 3-bureau report, and seek help from a credit repair company to protect your personal information and improve your credit.

866-523-9144 primarily collects past-due accounts such as credit cards, auto loans, and cell phone bills. These debts are often bought from original creditors when they can't collect the amounts owed. You might receive calls from them because they are trying to recover these debts.

When contacted, they must provide:
- The name of the original creditor
- The amount owed
- Information about your right to dispute the debt

If they don't provide this initially, they must send a notice within five days of first contacting you. Always ask for written verification before making any payments to verify the debt's legitimacy.

All things considered, it's crucial that you verify the debt and understand your rights before making any payments.

To check if you owe money to 8665239144, you can follow these steps:

1. Check Your Records: Go through your bills, account statements, and any receipts from returning equipment to see if there are any unpaid balances.
2. Request Debt Validation: If you see a debt from this number on your credit report, send a written request to the debt collector to validate it. They must provide details like the name of the creditor, the amount owed, and proof of the debt.
3. Review Your Credit Reports: Get your credit reports from Equifax, Experian, and TransUnion to see if the debt is listed.
4. Dispute Inaccuracies: If you think the debt isn't yours or the amount is wrong, dispute it in writing with the debt collector and ask them to verify it. Keep following up as this process can take some time.
5. Consult a Lawyer: If you're being harassed or have trouble disputing a debt, consider seeking help from a consumer protection lawyer.

It's important that you don't contact the number directly to avoid restarting the statute of limitations. Always verify legitimacy before sharing any personal information. Being proactive and gathering relevant documentation will help you manage and resolve any debt issues effectively.

Lastly, if you want to check if you owe money to 8665239144, you should check your records, request debt validation, review your credit reports, and consider consulting a lawyer if needed.

If you're getting calls from 8665239144, you're likely dealing with a debt collector. Various laws and regulations protect you against abusive debt collection practices. Here's what you need to know:

Fair Debt Collection Practices Act (FDCPA)
- Protects you from abusive, deceptive, or unfair practices by debt collectors.
- Prohibits calls before 8 AM or after 9 PM, use of abusive language, threats, or repeated calls intended to harass.
- Requires debt collectors to provide a validation notice, including the debt amount, creditor's name, and your right to dispute the debt.

Consumer Financial Protection Bureau (CFPB) Rules
- Clarify the FDCPA, specifying how and when debt collectors can contact you.
- Mandate transparency in communications, requiring specific information to be included.

State Debt Collection Laws
- Many states offer additional protections, such as requiring debt collectors to be licensed or imposing stricter limits on their behavior.

Your Rights
- You can request, in writing, that the debt collector stops contacting you.
- If they violate these laws, you can sue for damages and report them to the FTC, CFPB, or your state attorney general.

Finally, knowing these laws empowers you to handle communications from debt collectors like those potentially linked to 8665239144, ensuring you are protected from harassment and illegal practices.

Yes, Merrick Bank has faced several lawsuits and complaints over the years. Here are the key details:

Lawsuits:
- Merrick Bank settled with the FDIC for $16 million due to unfair and deceptive acts related to credit card add-on products between 2008-2013.
- The case Marlos Reynolds v. Merrick Bank Corp. included allegations about their practices, although it was ultimately dismissed.

Complaints:
- Debt collection issues have led to 258 complaints with the Better Business Bureau, mainly about attempts to collect non-owed or already paid debts, and refusal to validate debts.
- Merrick Bank is suspected of violating the Telephone Consumer Protection Act (TCPA) through robocalls, possibly leading to a class action lawsuit.
- There are multiple complaints of identity theft involving unauthorized accounts, harming consumers' credit scores.
- The FDIC found Merrick Bank guilty of deceptive practices related to their "PAYS Plan" credit card add-on.

You should keep an eye on your credit reports for any unauthorized activities or errors. If you encounter similar issues, consider filing complaints with consumer protection agencies.

In closing, be aware of Merrick Bank's history of legal and consumer issues. Monitor your credit reports and take action if you face problems, ensuring you stay informed and protected.

People online have mixed opinions about the phone number 866-523-9144. Here's what various users have said about it:

- User "JohnDoe123" on Reddit said, "Merrick Bank keeps calling from this number, it's really annoying."
- User "JaneSmith456" commented, "I don't even have an account with Merrick, but I keep getting calls from 8665239144. So frustrating!"
- Another user, "SilentOne789," shared, "They hang up without leaving a message. It's definitely a spam call."
- "SpammerAlert" posted, "I keep getting robocalls from this number. It's Merrick Bank trying to collect on an old debt."
- User "NotAgain098" mentioned, "Continual calls with no one on the other end. Really disruptive!"

You can see that many find the calls from 866-523-9144 annoying and disruptive. Most identify the number with spam and robocalls likely related to debt collection by Merrick Bank.

Overall, what people online say about 866-523-9144 shows it as a source of unwanted and frustrating calls, mainly associated with debt collection attempts.

Yes, you really need to remove 8665239144 from your credit report if you confirm that the collection is on your report and it's potentially inaccurate. Handling this on your own is often time-consuming and frustrating. Instead, consider reaching out to a reputable company for help.

Most typical credit repair companies don't do a good job and can be very deceptive. A reputable one, like 'The Credit Pros,' can make a big difference. Save yourself the hassle and get professional assistance to maximize your chances of removing that potentially inaccurate negative item.

As a final point, addressing inaccuracies on your credit report is crucial. We advise you to seek help from trustworthy professionals to ensure the best outcome.

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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.

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• 8664521144
• 8665239144