Facing down a debt collector is no small feat. This process requires diligence, time, money, and causes stress. When a debt collector mysteriously appears on your credit report, you may experience a surge of worry and panic. If you don’t know the rules and common errors made on credit reports, fighting collections on your credit report is overwhelming.
If Comcast Collections Department (CCD) has initiated contact or appeared on your report, there’s some vital information you need to know. CCD, the collections department within Comcast, has made false reports before, and you might not be an exception.
The process of debt collection and credit reporting is complex. Knowledge about the subject, and experience with collections, is helpful when dealing with collection agencies like Comcast Collections Department.
CCD is a collection department within Xfinity, or Comcast Corporations. This telecommunication company provides television, internet, phone, and other services to consumers.
If CCD has reported a delinquent account on your credit report, it’s because you allegedly owe debt to Xfinity or Comcast Corp.
Comcast Collections Department is a real company - not a scam or spam call. A common misconception among individuals who are unfamiliar with debt collectors is that their calls are spam. While this assumption is valid, since CCD’s communication tactics are often unrelenting, take all contact seriously.
Calls, emails, or letters from CCD should not be ignored. However, seeking advice and help to determine if the collection is valid is recommended as the first step. While they are a legitimate company, once you answer or return their calls they will become more frequent and aggressive. Consider that before calling them back on your own.
CCD utilizes a variety of phone numbers to reach consumers with alleged debt. While it’s not advised to contact them yourself, it’s essential you have accurate information. CCD’s general contact info is:
CCD, like most other debt collection agencies, is infamous for poor customer service. Many consumers have submitted complaints to the Better Business Bureau (BBB). These complaints are related to debt and billing, claims of misreports, and false debt accusations.
The best way to discern between a scam and a legitimate company is to do your research before returning the phone call. Do an online search of the phone number calling you and also research any companies that pop up as affiliated with that number.
If you are receiving phone calls from a collection agency such as CCD try to research which companies they collect debts for. If you do not recognize any of those companies as someone you have engaged in lending with, the collection may be misdirected or invalid.
Errors and mistakes in debt reporting are common among collection agencies. If you think the collection calls are coming to you by mistake seeking help and advice before replying is advised.
As noted earlier, Comcast Collections is an Xfinity-affiliated department. If you’re being contacted by the CCD, it may mean you may have a delinquency or unpaid account with Xfinity. If you have never used Xfinity, or haven’t used their services for years, this debt on your credit report may be an error.
If the CCD appears on your credit report it will impact your credit score in several ways. Immediately paying off this debt may not help correct the damage done to your credit.
Many consumers assume that paying off the debt will immediately remove CCD from their report and fix their credit score. However, that’s not always the case. Keep these critical details in mind:
Before paying off the debt it’s best to find out if making payments will help your credit score at all. Additionally, you should always ensure the collection is not a misprint or an error before making any payments.
With the right help and advice, you can remove CCD from your credit report entirely without handing over any of your hard-earned money.
As a consumer, you have rights that protect you from intimidation, aggression, and threats from collection agencies. Debt collectors must abide by a strict set of regulations when interacting with consumers.
Unfortunately, debt collection agencies such as CCD sometimes violate these laws and restrictions set forth by the FDCPA (Fair Debt Collection Practices Act).
Be on the lookout for these unlawful actions when dealing with the CCD:
Any abusive, threatening, coercive, or oppressive behavior falls under the label of debt-collection harassment. You are protected under the Fair Debt Collection Practices Act and you have the right to dispute these claims before making any payments.
So, what does it take to remove Comcast Collections Department from your report once and for all? While this isn’t a full list of the necessary combative steps, this will help you start to take action.
First and foremost, you should request copies of your credit report from all major credit bureaus and agencies. Review these reports for accuracy, and note any errors or discrepancies. Companies like the CCD make mistakes frequently, and your debt may be a misprint. If you believe there to be an error on your report, get in touch with us at Fair Credit right away. We can dispute errors on your behalf.
With support from an attorney, you may terminate all contact with Comcast Collections Department by sending a Cease & Desist letter. There are a number of acceptable phrases when drafting a Cease & Desist letter. However, you may write something along the lines of, “Please cease and desist all contact with me immediately.”
You reserve the right to preserve your sanity and your well-being while you sort out any potential errors and misdirected collection efforts.
If the debt being pursued against you is in fact valid, in some cases you can negotiate a settlement. However, as stated above, sometimes paying off an old debt may not help improve your credit score.
If through your research and discovery, you think the debt collection is valid, it is recommended you consult with an attorney before attempting to negotiate a settlement with CCD. It is not always necessary to settle your debt.
Last, but certainly not least, hiring legal support is always helpful. Debt collection agencies are known for their persistent and sometimes aggressive tactics. Without an understanding of your rights, you may end up hurting your own case and subjecting yourself to endless harassment.
Some of the benefits of having an attorney by your side are:
Hiring support and utilizing all your resources during such an intimidating ordeal is always best.
If the CCD has falsely accused you of owing a debt, you’re not alone. Or, if you acknowledge you have an unpaid debt and are unsure how to proceed, we are here to help. A reliable FCRA attorney can help you regain financial sovereignty and freedom.
Our team has tackled hundreds of cases and guided our clients toward resolution. We’ll carefully review your case and customize a tailor-made solution just for you. Contact us to request your free case review today!