Have you been receiving calls from the phone number 800-499-3568? You’re not alone. This number has generated numerous complaints and queries from people wondering who is behind these calls and whether it’s safe to answer. In this blog post, we’ll dive deep into the origins of 800-499-3568, explore the entities using it, and provide guidance on how to handle calls from this number.
What is 800-499-3568?
The phone number 800-499-3568 is a toll-free number that has been linked to various debt collection agencies and robocallers. According to multiple online directories and consumer complaint websites, this number is frequently used by First Premier Bank and associated debt collectors to contact individuals regarding past-due debts.
First Premier Bank is a financial institution based in Sioux Falls, South Dakota, that offers credit cards and other banking services. When customers fall behind on their payments, the bank may utilize call centers or third-party debt collection agencies to reach out and attempt to collect the outstanding balances.
Who is Using 800-499-3568 for Calling?
While First Premier Bank is the primary entity associated with 800-499-3568, several debt collection agencies and robocallers have also been reported to use this number. Some of the companies and call types linked to 800-499-3568 include:
- First Premier Bank (Debt collection calls)
- Generic robocallers (Automated calls)
- Phantom debt collection scams (Fraudulent calls)
Is it Safe to Answer Calls from 800-499-3568?
The safety of answering calls from 800-499-3568 depends on the nature of the call and the caller’s legitimacy. If the call is from a legitimate debt collection agency working on behalf of First Premier Bank, answering the call may be advisable to address any outstanding debts or negotiate a payment plan.
However, it’s crucial to exercise caution, as there have been reports of scammers using this number for phantom debt collection scams. These fraudulent callers may attempt to trick you into paying debts you don’t owe or provide personal information that could lead to identity theft.
If you decide to answer a call from 800-499-3568, avoid revealing any sensitive information until you can verify the caller’s legitimacy. Request written documentation of the debt and consult with a credit counseling service or attorney if you have doubts about the validity of the claim.
Steps to Take When Receiving Calls from 800-499-3568
- Screen the call and let it go to voicemail if you’re unsure about the caller’s identity.
- Check your credit reports and account statements to see if you have an outstanding debt with First Premier Bank.
- If the debt is legitimate, consider negotiating a payment plan or settling the debt for a lower amount.
- If the call seems suspicious or the caller is aggressive or threatening, hang up and report the incident to the relevant authorities.
- Use call-blocking apps or services to filter out unwanted calls from this number.
Frequently Asked Questions (FAQs)
Can I be sued for not answering calls from 800-499-3568?
If the calls are from a legitimate debt collection agency working on behalf of First Premier Bank, they may have the legal right to pursue further action, including filing a lawsuit, if you fail to respond or make payment arrangements. However, if the calls are from scammers or unauthorized parties, they do not have the legal authority to take such actions.
How can I stop receiving calls from 800-499-3568?
You can request that First Premier Bank and any associated debt collection agencies stop contacting you by sending a written cease-and-desist letter. Additionally, you can report the number to your phone carrier and explore call-blocking options to filter out unwanted calls.
Is it legal for debt collectors to call me repeatedly from 800-499-3568?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in abusive, deceptive, or unfair practices, including calling repeatedly with the intent to harass or annoy. If you believe a debt collector is violating the FDCPA by excessively calling from 800-499-3568, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or seek legal assistance.
In conclusion, while the phone number 800-499-3568 is primarily used by First Premier Bank and associated debt collectors, it has also been exploited by scammers and robocallers. Exercise caution when receiving calls from this number, verify the caller’s legitimacy, and consider using call-blocking tools or seeking legal assistance if the calls become excessive or harassing.