Are you experiencing Securian phone harassment? Under the Fair Debt Collection Practices Act (FDCPA), harassing phone calls by debt collectors are prohibited. The FDCPA sets clear guidelines to protect consumers from abusive, unfair, and deceptive practices in the collection of debts. If Securian breaks the laws under the FDCPA, you may be entitled to statutory damages ranging from $100 to $1000.00 plus Securian is responsible for paying your attorney fees. You can also file a claim for these damages and attorney fees in court.
Who Is Securian Debt Collector?
Securian debt collectors are agents or affiliates that handle overdue accounts on behalf of Securian Financial Group, a well-established U.S. company providing insurance, retirement, and investment services. While Securian Financial Group itself is a legitimate financial institution, the debt collection calls you may receive usually come from its collection departments or third-party agencies working on its behalf.
Address: 400 Robert Street North, Saint Paul, MN 55101‑2098, United States
Primary Phone: (651) 665‑3500
Toll‑Free Customer Service: 1‑833‑810‑8260
Is Securian Debt Collector a Scam?
Securian Financial Group is not a scam. It is a legitimate and well-established financial services company based in Saint Paul, Minnesota, providing insurance, retirement, and investment products. While it is a real company, some consumers report aggressive phone calls from Securian or its agents, which can feel harassing. If you are unsure of how to deal with them according to your situation, call us at (877)700-5790 for immediate guidance.
Why You Might Be Getting Calls About Securian
Securian itself is not primarily a debt collector. Instead, many consumers receive calls from third‑party agencies, brokers, or agents who claim to be acting on behalf of Securian or handling related account matters. These calls often relate to:
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Past due policy payments
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Insurance premium disputes
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Alleged financial obligations tied to Securian products
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Misrouted collection attempts by unrelated parties
If a caller cannot clearly identify themselves as a debt collector under the FDCPA, or refuses to provide written validation of any alleged debt, treat the contact as suspicious.
| Type of Harassment | What It Means / Examples | Your Protection |
|---|---|---|
| Repeated Calls | Frequent calls intended to annoy, abuse, or intimidate | FDCPA prohibits harassment; you may claim statutory damages up to $1,000 |
| Inconvenient Timing | Calls before 8 a.m. or after 9 p.m. local time | Calls outside these hours can be reported as harassment |
| Threats / Misleading Statements | Using threats, profanity, or false info to force payment | Violations can entitle you to damages and attorney fees |
| Impersonation | Pretending to be government officials, attorneys, or law enforcement | Illegal under FDCPA |
| Workplace Calls | Calling your employer after you asked them not to | You can demand no further contact at work |
| Ignoring Cease-and-Desist | Continuing calls after a written request to stop | Only legal contact allowed is notice of intended legal action |
| Red Flags / Scams | Unknown/unlisted numbers, requests for personal info, pressured payments, no written notice | Treat suspicious calls carefully; verify legitimacy |
How to Verify a Debt Collector’s Identity
Before responding, confirm legitimacy:
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Ask for caller’s full name, company, address, and phone number
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Cross-check info via BBB, official website, or other verified sources
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Contact the original creditor to confirm the debt
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Request written validation, including amount, creditor, and account details
What to Do If Securian Does Not Stop Calling
If you believe calls amount to harassment, you have several options:
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Document Every Contact: Keep a log of calls, including date, time, caller name, phone number, and what was said.
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Request Written Validation: You can demand proof of the debt in writing, which the collector must provide before further action.
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Send a Cease‑and‑Desist Letter: A written request telling the collector to stop contacting you may limit future communications to only required legal notifications.
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File Complaints: Report harassment to the FTC, and your state attorney general’s office. These agencies investigate patterns of unlawful conduct.
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Seek Legal Action: If harassment is persistent or severe, consulting an attorney may allow you to pursue damages, including statutory awards, actual losses, and attorney fees.
These steps help protect your rights and reduce stress throughout the process.
If a Negative Entry Appears on Your Credit Report
If any alleged debt linked to these calls has been reported to credit bureaus (Equifax, Experian, or TransUnion), you can take action:
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Confirm the debt’s accuracy with the original creditor.
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Review your credit report for errors.
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Dispute inaccurate or unverifiable entries with the credit bureau.
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Request written proof from the collector.
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Consider negotiating a settlement in exchange for removal of the negative entry in writing.
Taking these steps can protect your credit score while addressing the underlying issue.
The Lawsuit: Radcliffe v. Securian Financial Group, Inc.
In the case of Radcliffe v. Securian Financial Group, Inc., filed in the United States District Court for the District of Minnesota, the plaintiff, Radcliffe, claimed that Securian Financial Group had breached its fiduciary duty. The allegations included engaging in unfair and deceptive business practices, such as charging excessive fees and failing to disclose critical information to clients. Securian Financial Group, the defendant, denied these claims, asserting that they had acted in accordance with their fiduciary duty and provided necessary services to their clients.
The court ultimately granted the defendant’s Partial Motion to Dismiss, dismissing several counts that fell outside the statute of limitations and others in their entirety. This case underscores the importance of fiduciary duty and the legal complexities involved in such claims.
HOW OUR ATTORNEYS CAN HELP YOU
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing Securian phone harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop the Securian harassing calls. If you are interested in learning more about how to safeguard yourself and prevent even more Securian harassing calls, call us at (877)700-5790 for immediate assistance or visit our website.
FAQs
Why is Securian calling me repeatedly?
Frequent calls may be debt-collection attempts under the FDCPA. If they believe you owe a policy-related debt, Securian or its agents may call often until the matter is resolved.
Are Securian collection calls legitimate or a scam?
Genuine calls will identify themselves as Securian Financial or its affiliated agency. If the caller can’t verify your account or provides unlisted numbers, it could be a scam.
Can they legally harass me by phone?
No. Under the FDCPA, debt collectors cannot call repeatedly to annoy, threaten, or humiliate. Harassing behavior is unlawful and you have rights.
What should I do if Securian won’t stop calling?
Keep a detailed log of each call (date, time, content), then send a written cease-and-desist letter. If calls continue, file complaints with the FTC, CFPB, and your state attorney general.
Can I sue Securian for phone harassment?
Yes. If their calls breach laws like the FDCPA or TCPA such as calling outside allowed hours or using robocalls without consent you may sue for statutory damages and legal fees.
Do they use robocalls or spoofed numbers?
Many consumers report receiving calls from unknown or spoofed numbers. Automated calls without prior consent may violate federal laws and can be actionable.
Will these calls affect my credit score?
If Securian reports a delinquent account to credit bureaus, it could lower your score. You can dispute any inaccurate reports with Equifax, Experian, or TransUnion.
How can I stop Securian from contacting me?
Send a written request asking they cease phone contact. After that, the only allowed follow-up is to confirm receipt or inform you of specific legal action. Further calls are unlawful.
Can I file a complaint against their calling practices?
Absolutely. File complaints with the CFPB, FTC, and your state attorney general if you believe the calls violate debt-collection or telemarketing laws.
What records should I keep during harassment calls?
Log each call’s date, time, caller name, phone number, and what was said. Save voicemails, texts, and proofs of letters. This evidence supports complaints or lawsuits.
