This campaign centers around phone number 8557689646, which has generated 17 FTC complaints and 5 FCC complaints categorized as "Other." The number has been reported in connection with three separate companies: Changed Inc. (2 CFPB complaints, banking industry), ACCOUNT SERVICES INC. (8 CFPB complaints, debt collection), and Credit Corp Solutions Inc. (2,734 CFPB complaints, debt collection). All three companies show reported_together relationships with the phone number at 0.59 confidence levels, indicating they are frequently mentioned together in consumer complaints.
The campaign appears to employ multiple deceptive tactics, with community reports revealing callers who identify themselves as "Nicole Bennett" claiming to represent TD business lending underwriting regarding loan requests. These unsolicited calls persist even after consumers block previous numbers, suggesting the operation uses multiple phone lines. The most concerning aspect is the connection to Credit Corp Solutions Inc., which has accumulated 2,734 CFPB complaints, indicating a substantial pattern of problematic practices in the debt collection industry.
Geographically, complaints associated with this number have been concentrated in Greenville, TX, Lakewood, Colorado, and Weatherly, Pennsylvania, suggesting either targeted marketing to these regions or a pattern of complaints originating from these areas. The combination of banking and debt collection complaints indicates this may be a multi-faceted operation targeting consumers with various financial service scams.
To protect yourself from this campaign, never provide personal or financial information to unsolicited callers claiming to represent lending companies or debt collectors. Legitimate businesses will provide written communication and verifiable contact information. If you receive calls from 855-768-9646 or similar numbers, hang up immediately and do not click any links in related messages. Report these incidents to the FTC at reportfraud.ftc.gov or file complaints with the FCC. You can verify if a phone number has been reported as suspicious by checking consumer protection websites and reverse phone lookup services before engaging with unknown callers.
This campaign represents a moderate to high threat level due to the significant complaint volume, particularly the 2,734 complaints against Credit Corp Solutions Inc., and the persistent nature of the calling pattern. Consumers should remain vigilant for calls from this number and associated entities. Regulatory agencies should investigate the connections between these companies and their shared use of the phone number to determine if coordinated enforcement action is warranted.