Have you ever stared at your phone, heart racing, as an unknown number like 901-252-0378 flashes across the screen? You’re not alone. In today’s world of endless robocalls and debt chasers, spotting a call from 9012520378 can feel like a mystery thriller. But here’s the good news: I’ve got you covered with everything you need to know about this number.
Whether it’s interrupting your dinner or popping up at work, understanding who’s behind 901-252-0378 is the first step to regaining control. This guide dives deep into its origins, legitimacy, user experiences, and practical tips to make those calls stop. By the end, you’ll feel empowered—not panicked. Let’s uncover the truth.
Related Article: 9043807465
What Is the 901-252-0378 Phone Number?
First things first: What exactly is 901-252-0378? This isn’t just any random digit string. It’s a landline number tied to real activity, and knowing its basics can ease your mind (or prepare you for action).
Location and Carrier Details
The area code 901 points straight to Memphis, Tennessee—a bustling hub in the Mid-South. Specifically, 901-252-0378 routes through Shelby County, home to over a million residents and a hotspot for business operations. As for the carrier? It’s linked to AT&T, a major telecom giant that handles countless lines for both personal and corporate use.
Why does location matter? Scammers often spoof local numbers to trick you into answering. But in this case, it’s genuinely rooted in Tennessee, which aligns with legitimate operations rather than overseas fraud rings. Still, don’t drop your guard just yet.
Who Owns 901-252-0378? The Associated Company
Digging deeper, 901-252-0378 belongs to Portfolio Recovery Associates (PRA), a major player in the debt collection industry. PRA uses this number for outbound calls, often leaving voicemails like, “This is Sierra Hawkins with a message from Portfolio Recovery Associates.” If you’ve heard that scripted tone, it all clicks now.
PRA isn’t a fly-by-night operation; they purchase old debts from banks and creditors, then reach out to collect. But that doesn’t mean every call is welcome—or even accurate. More on that soon.
Is 901-252-0378 a Scam or Legitimate?
The million-dollar question: Should you hit “block” or “callback”? Short answer: 901-252-0378 is legitimate in the sense that it’s from a real company, but it often feels scammy due to aggressive tactics.
PRA is a registered debt buyer, not a outright fraudster. However, they’ve faced heat from regulators. In 2023, the Consumer Financial Protection Bureau (CFPB) slapped them with a $24 million penalty for illegal practices, including inaccurate reporting to credit bureaus. That said, if the debt they’re chasing isn’t yours—or it’s past the statute of limitations—it could border on harassment.
User sentiment? Overwhelmingly negative. Sites like RoboKiller flag it as a “debt collector” with high spam reports, and CallFilter logs it under “advertising” and “scam” categories with four negative reviews. Think relentless voicemails and calls that ignore “do not call” lists. Legit? Technically yes. Annoying? Absolutely.
Pro tip: Always verify before engaging. Ask for written debt validation—more on your rights below.
User Reports and Reviews for 901-252-0378
Real stories from real people paint the clearest picture. Let’s break down what folks are saying about calls from 9012520378.
On YouMail’s directory, users report scripted messages pushing debt settlements, with one noting, “They keep calling even after I disputed it.” Reddit threads echo this frustration: One user shared, “Portfolio Recovery started hounding me over a debt I didn’t even recognize—turns out it was from years ago.”
Common themes?
- Frequency: Calls multiple times a week, sometimes back-to-back.
- Tactics: Voicemails that sound urgent but vague, avoiding specifics to hook you.
- Impact: Stressful for those already juggling finances.
Positive notes are rare, but some appreciate the option for payment plans if the debt is valid. Overall rating across lookup sites? A solid 1-2 stars out of 5. If you’re seeing this number, you’re in good (or bad) company.
What about you? Have these calls disrupted your day? Sharing experiences on forums can help others spot patterns.
Understanding Portfolio Recovery Associates
To tackle calls from 901-252-0378, you need the lowdown on the company pulling the strings: Portfolio Recovery Associates.
Company Background
Founded in 1996, PRA is headquartered in Norfolk, Virginia, and boasts billions in debt under management. They specialize in “friendly” collections—offering tools like online portals for payments and customizable plans. Their main toll-free line is 1-800-772-1413, but field numbers like 901-252-0378 handle the heavy lifting.
On paper, they sound customer-focused. In practice? Mixed bag.
Common Complaints and Legal Issues
PRA’s rap sheet includes aggressive pursuits. The CFPB’s 2023 action highlighted faulty credit reporting, leading to undeserved dings on consumers’ scores. Reddit users call them “shady” for buying zombie debts—old accounts barely enforceable.
Lawsuits abound, from FDCPA violations to class actions over harassment. If PRA’s calling you, document everything: dates, times, what was said. It could be your ammo.
Ever wonder why debt buyers like PRA thrive? It’s a $15 billion industry, preying on forgotten bills. Knowledge is your shield.
Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
Feeling powerless against 9012520378? Enter the FDCPA—the federal law that levels the playing field. Enacted in 1977, it protects consumers from abusive tactics. Here’s the breakdown.
Call Frequency and Timing Rules
Debt collectors can’t bombard you. The CFPB caps calls at seven per week per debt—no more. They also must stick to 8 a.m. to 9 p.m. your time. Evening rings from 901-252-0378? That’s a violation.
Prohibitions on Harassment
No threats, profanity, or lies. Collectors can’t claim you’re under arrest or inflate amounts. They must identify as debt collectors upfront. If PRA’s reps cross lines, report to the CFPB or FTC.
Bonus right: Dispute any debt in writing within 30 days—they must pause collections until verified. Ignorance isn’t bliss; it’s your superpower.
How to Stop Calls from 901-252-0378 and Debt Collectors
Ready to silence that ring? Here’s your step-by-step battle plan against 901-252-0378.
Send a Cease and Desist Letter
The gold standard: A written demand to stop contact. Sample from CFPB: “I refuse further communication except to confirm cessation or notify of legal action.” Mail it certified—PRA must comply or face fines.
Templates abound online. One user on Reddit swore by it: “Sent the letter, calls dropped to zero overnight.”
Block the Number on Your Phone
Quick fix: Use your phone’s built-in blocker. iPhone? Add to “Recents” and tap “Block.” Android? Same drill via the app. Apps like RoboKiller or Nomorobo supercharge this, screening debt calls automatically.
Carrier tools help too—AT&T’s ActiveArmor flags spammers.
Dispute the Debt If It’s Fishy
If PRA claims a debt you don’t owe, request validation in writing. They have 30 days to prove it. No proof? They stop. Pro tip: Check your credit report at AnnualCreditReport.com for surprises.
What to Do If You Actually Owe the Debt
Okay, suppose the debt is legit. Panicking won’t help—strategize instead.
Start by logging into PRA’s PRApay portal for your balance and options. Negotiate settlements; they often accept 40-60% lumps. Set up affordable payments to halt calls.
Consult a nonprofit credit counselor via NFCC.org. Bankruptcy is a last resort but wipes slate clean. Remember: Paying doesn’t always boost your score—dispute inaccuracies first.
Questions like, “Can I pay in installments?” are fair game. Collectors want resolution, not endless chases.
Preventing Future Debt Collection Calls
Once 901-252-0378 is history, fortify your defenses. Register on DoNotCall.gov, though it skips debt collectors. Monitor credit monthly. Build an emergency fund—three months’ expenses buffers against surprises.
Educate family: Share your rights. Apps like Truecaller crowdsource spam intel. Stay vigilant; the call game evolves.
Conclusion: Take Back Control from 901-252-0378
Calls from 9012520378 don’t have to derail your life. We’ve unpacked its ties to Portfolio Recovery Associates, scam risks, user gripes, and your FDCPA arsenal. Whether blocking, disputing, or negotiating, action beats anxiety.
You’re smarter than the robocall script. If it’s debt-related stress weighing you down, reach out to pros—free help exists. Silence that phone, breathe easy, and reclaim your peace. What’s your next step?
Related Article: 18664306105
FAQ
What should I do if I get a call from 901-252-0378?
Answer the call to verify, but don’t share info. Ask for debt details in writing. If suspicious, hang up and block.
Is Portfolio Recovery Associates a legitimate company?
Yes, but they’ve faced CFPB fines for violations. Always demand validation before paying.
How can I stop debt collectors from calling my cell?
Send a cease-and-desist letter via certified mail. They must comply under FDCPA, limiting future contact.
Does answering 901-252-0378 restart the debt clock?
No—acknowledging debt verbally can, but simply answering doesn’t. Get everything in writing.