AI Analysis
This number shows strong scam indicators across multiple data sources. The industry robocall database has confirmed this as a known robocaller, and 32 FTC complaints have been filed with 75% specifically about robocalls. The complaint pattern focuses heavily on debt reduction schemes (22 complaints), which is a common scam category. While the caller ID shows 'ED FINANCIAL' and uses a legitimate toll-free line, the combination of confirmed robocaller status, recent complaint activity (8 complaints in last 90 days), and debt-related complaint categories strongly suggests this is a scam operation exploiting financial services branding.
Risk Assessment
Highly likely scam or spoofed number. Do not engage under any circumstances. Block immediately.
This score is based on:
Technical Indicators
Data Sources
| Source | Complaints |
|---|---|
| FTC Do Not Call Registry | 85 |
| FCC Unwanted Calls | 1 |
| Robocall Database | Flagged |
| Community Reports | 0 |
More Reported 855 Numbers
The 855 area code has 100+ numbers with FTC complaints. These have the most reports.
Data last updated June 21, 2026
What should I do?
- Ask for written validation of the debt (they're required to provide this)
- Get the company name, address, and license number
- Do NOT pay anything until you verify the debt is real and yours
- Debt collectors cannot threaten arrest or legal action they can't take
- Know your rights under the Fair Debt Collection Practices Act
- Report harassment to FTC and your state Attorney General
This may be a legitimate debt collector OR a scammer posing as one. Verify the debt independently before paying anything. You have legal rights.
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Phone Number Details
This assessment was generated using federal databases, carrier records, and community reports. It is informational only and should not be treated as legal or professional advice. Learn more in our Privacy Policy.