FED Chex Phone Calls Harassment?
Is FED Chex (FC) calling you? Stop FED Chex phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop FC phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. It is important to consult a lawyer for legal advice or representation if you are experiencing harassment or considering legal action.
Is FED Chex a Scam?
According to the Better Business Bureau website, FED Chex has been in business for 17 years. Read more here: FED Chex Better Business Bureau.
Who is FED Chex Collection Agency?
FED Chex is third party debt collector located in Irvine, California. There have been several complaints filed against FC with the BBB. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Many companies, including banks and credit unions, use ChexSystems reports to screen applicants when opening new accounts. ChexSystems is a consumer reporting agency owned by Fidelity National Information Services. Financial institutions report account information to ChexSystems, which is one of several consumer reporting agencies regulated under the Fair Credit Reporting Act (FCRA).
Address: 2 Venture #300 Irvine, CA 92618-7398
Phone: (949) 440-4600
FED Chex Collection Tactics
When FED Chex attempts to collect a debt, they may use a variety of tactics to recover the money they claim is owed. These can include persistent phone calls, sending letters, and even emails—all designed to pressure consumers into paying their debts. While debt collectors like FED Chex are allowed to contact you about outstanding debts, there are strict limits on what they can do, thanks to federal laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
If you’re receiving repeated calls or feel overwhelmed by their collection tactics, it’s important to know that you have legal protections. The law prohibits debt collectors from using abusive, harassing, or misleading tactics to collect a debt. If you believe FED Chex is crossing the line, you have the right to dispute errors on your ChexSystems report and demand that any inaccurate information be corrected. Disputing errors is a crucial step in protecting your credit and ensuring that your credit reports accurately reflect your financial history.
If FED Chex continues to use aggressive tactics or reports inaccurate information, you may have grounds to sue under federal law. A law firm experienced in consumer protection can help you dispute ChexSystems errors, guide you through the process of filing a complaint, and take legal action if necessary. Remember, you don’t have to face debt collectors alone—knowing your rights and seeking professional help can make all the difference in resolving your situation and protecting your financial future.
FED Chex Phone Harassment Examples
If FED Chex engages in any of the following tactics, you may have a case:
- ➢ Using profanity or abusive language
- ➢ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➢ Calling you multiple times per week
- ➢ Talking to others about your debt
- ➢ Calling your workplace
- ➢ Threatening to sue you, harm you, or destroy your credit
- ➢ Telling you or anyone else that you’ve committed a crime
- ➢ Calling repeatedly for the wrong person
- ➢ Failing to notify you of your right to dispute the debt
- ➢ Trying to collect more than legally allowed
FED Chex Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 949-440-4600
- 📲 949-440-4611
- 📲 949-440-4688
- 📲 800-992-6713
- 📲 (949) 440-4600
- 📲 (949) 440-4611
- 📲 (949) 440-4688
- 📲 (800) 992-6713
- 📲 9494404600
- 📲 9494404611
- 📲 9494404688
- 📲 8009926713
If the answer is yes, then you are receiving calls from a known FC number. You may be a victim of FC phone harassment. The list above is not all the numbers that FC uses. The calls can be from a different number and it still be FED Chex calling you. Contact our office right away so we can start the process to stop FC from calling you illegally. Above all, no one should live with harassment!
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. We have helped thousands of clients resolve debt collection harassment and reporting errors. Rather than suffer alone, contact our office to begin the process to stop the FED Chex harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. Clients can also contact us online for a free review of their case or ChexSystems report.
If you are interested in learning more about how to safeguard yourself and prevent harassment from FED Chex call us at 877-700-5790.
Success Stories
- 🏆 Absolutely incredible law firm to work with. Matthew took care of everything, and was fully equipped even though he said it was a case he had never seen before. couldn’t reccomend them enough
- 🏆 Had a scammer call me today trying to scam me out of almost $3k for a past bill for my ex-husband. After calling and emailing me all afternoon with the demand I pay it I contacted the Consumer Rights Law Firm for guidance. I received quick and helpful advice which confirmed my suspensions that it was a scam. Thank you for your quick and reassuring advice!
- 🏆 Absolutely amazing experience, Matt really helped me to get one of my bills removed due to the harassment I received from said company of the bill. Phone calls stopped, didn’t cost me anything out of pocket! I would highly recommend using this service. Real deal y’all!
Frequently Asked Questions
Q1: Who is FED Chex / FedChex Recovery?
A: FED Chex (also known as FedChex Recovery or FCR Collection Services) is a third-party collection agency that often handles collections of non-sufficient funds (NSF) checks and related debts.
Q2: What constitutes FED Chex phone harassment?
A: Phone harassment by FED Chex may include frequent calls, calls outside permitted hours, calls after being asked to stop, using threats or abusive language, or calling third parties improperly. Such conduct may violate the Fair Debt Collection Practices Act (FDCPA).
Q3: Can FED Chex call me more than 7 times in a week?
A: Under the FDCPA, debt collectors are presumed to violate the law if they place more than seven calls about the same debt within a 7-day period.
Q4: Are there restrictions on the times that FED Chex can call me?
A: Yes. Debt collectors generally cannot call you before 8 a.m. or after 9 p.m., unless you agree otherwise. Also, they must stop calling if you request them to cease communication.
Q5: Can FED Chex threaten legal action or wage garnishment?
A: They may threaten to sue or garnish wages only if they legally intend to do so and have the right to do so. False or misleading threats violate the FDCPA.
Q6: Can FED Chex talk to my employer about my debt?
A: FED Chex cannot disclose your debt to your employer or co-workers. They may contact your employer strictly to verify employment, but not to shame, threaten, or harass you.
Q7: What should I do when FED Chex calls me repeatedly?
A: Document each call (date, time, number, what was said), save voicemails and call logs, request that communication be in writing, send a written cease-and-desist letter, and consider contacting a consumer rights attorney.
Q8: Can I dispute the debt alleged by FED Chex?
A: Yes. Under the FDCPA, you have the right to dispute the debt (typically within 30 days of initial notice). FED Chex must then validate the debt before continuing collection efforts.
Q9: Can I sue FED Chex for harassment?
A: If FED Chex violates FDCPA or TCPA rules, you may be able to file a lawsuit seeking statutory damages, plus attorney’s fees and court costs.
Q10: What federal laws protect me against FED Chex phone harassment?
A: The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) protect you from abusive, harassing or misleading calls from debt collectors.