We are getting calls from this number, but is listed as name unavailable. We never answer calls with no caller ID. If they want to talk to someone, they need to either leave a message or identify who they are.
I does believe they has good intentions. I keep this caller on phone for around 30 minutes, saying hold on, be right back, I don't understand, and could you please tell me more. Then I told it that I wantred ask wheat call about is. They say stud groans, but I never buy it a stud. Then stupid Heather says Student loands, not stud groans. She almost lauphed. I polutingly say her buh-buy and hand it up it phone the. Nece conversation. Tank yew.
800notes is not affiliated with your callers, we are not calling you either. 800notes is a forum for reporting who calls you and any information you may have about the call to share with other forum users. It is highly doubtful that your callers are reading here also. We can't stop anyone from calling you either or remove from a list.
Consider getting a call blocking device or phone.. You can google them and many are around $40.00 or so. If its a cell phone, some already have call blocking, if not, there are free apps on the web that will work for some. You can google this. If you have a smart phone, there is a free app called call control. Iphones appear to have apps also. Another one is called Mr. Number. For tracfone & straight talk:
For text messages: forwarding any text message spam you get to the short code “7726,” which spells “spam” on most phones, to alert your network operator to the abuse. ATT won't accept 7726 But they will accept BLOCK and return a message that the web site is blocked. forward the texts to 7726 or BLOCK, depending on your phone carrier.
Debt Collectors or business's such as Naviant or Sallie mae (student loans) do not fall under the DNC, they fall under the FDCPA/FCRA laws.
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce
Follow the steps in what you need to know here:
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
Its Navient Student Loans. Call them back. Some may qualify for a forbearance, it beats having a whole bunch of interest accrued. They are def willing to work with your financial situation. I was able to get a forbearance for 6 months