204 FTC Complaints Trace Back to a Fake Debt Collector Rotating Eight Numbers

A debt collection fraud operation using the name "Credit Adjustment Division" has generated complaints across multiple states, with phone numbers in the cluster drawing hundreds of Federal Trade Commission (FTC) complaints. If you have received a call from this operation, the pattern reported by consumers is worth understanding before you pick up again.

The Numbers and Their Complaint Footprint

Eight phone numbers are associated with this cluster, with complaint volumes that vary widely across the group.

(833) 727-9955 carries the heaviest documented load, with 204 FTC complaints. Filings place it in Philadelphia, Alabama, and Carpinteria, California. (866) 878-0301 follows with 81 FTC complaints, reported in Miami, Abingdon in Virginia, and Issaquah in Washington. (844) 509-3323 shows 39 FTC complaints from Herndon in Virginia and Circleville in Ohio.

The remaining numbers show smaller but still documented complaint counts. (800) 210-9011 has 7 FTC complaints from Pittsburgh and Penfield in New York. (888) 988-1702 and (888) 623-8876 each carry 4 FTC complaints, with reports from Chandler in Arizona, Hilliard in Ohio, and Forest Park in Illinois. (888) 888-8553 and (659) 330-4417 show no FTC complaints in the current dataset, though their presence in the cluster suggests they are in active use.

What Callers Are Reportedly Asking For

One community report describes a caller asking for bank account information, a Social Security number, date of birth, income source, a home address, and a phone number. That combination represents the full profile needed for identity theft. Under the Fair Debt Collection Practices Act (FDCPA), the federal law governing debt collection, collectors are not entitled to demand all of that information simply to verify a debt.

A separate Better Business Bureau (BBB) report describes a caller who made contact almost daily, using a new number each time a previous one was blocked. The report characterizes the contact as harassment. That pattern of switching numbers after being blocked surfaces across multiple complaints in this cluster.

What to Do

Do not confirm or provide personal or financial information to any caller claiming to represent Credit Adjustment Division. Request written verification of any alleged debt before engaging further. Under the FDCPA, a collector must send written notice of the debt within five days of first contact, and you have the right to request verification in writing.

Block each number in the cluster as you encounter it. Given the switching pattern reported by consumers, blocking alone will not stop contact, but it reduces accidental pickups and creates a record of the attempts.

If a caller has already obtained your Social Security number or financial account details, contact your bank immediately and place a fraud alert or credit freeze through the major credit bureaus. A fraud alert is a flag on your credit file that requires lenders to verify your identity before opening new accounts. A credit freeze goes further and blocks new credit from being opened in your name entirely.

File a complaint with the FTC at reportfraud.ftc.gov if you receive one of these calls. Complaint volume is how regulators identify and prioritize enforcement action.

The full complaint cluster for this operation is documented at /campaign/reducing-your-debt-credit-cards-mortgage-student-loans-16.