Who is 210-520-6400?
210-520-6400 is a number used by JPMorgan Chase Bank NA JPMorgan Chase is the largest bank in the United States. The institution offers a wide range of financial products and services, including personal banking, investment advice, credit cards, mortgages, auto loans, etc.
Why is he calling me 210-520-6400?
Chase uses this number to collect late payments. They may be calling you because you simply missed a payment on a credit card or loan. They may also be calling because your account is already in default.
If you receive a call from 210-520-6400, first check your Chase account online. If you’ve missed a payment, you can generally make it there and the calls will stop.
If you have larger debts with Chase, you’ll probably need to talk to them. While you may already suspect what debt they are trying to collect, you won’t know for sure until you ask.
Should I answer 210-520-6400?
In general, if you receive a call from someone claiming to be a debt collector, you should first verify that they are legitimate.
Scammers often use call spoofing to disguise their identity. So, even though we have confirmed 210-520-6400 as a Chase number in our debt collector directory, the only way to be sure is to call this number back.
If you want to be extra sure, you can always call one of Chase’s customer service numbers directly.
When you do this, there is no need to feel intimidated. Yes, dealing with banks and debt collectors can be stressful and sometimes distressing, but there are rules to protect you. You can find a complete list of your rights on the Consumer Financial Protection Bureau website.
How to handle the number 210-520-6400
Whether you pick up the phone the next time Chase calls or call him back yourself, it’s important to be mentally prepared for the call. Debt collectors can be aggressive, so take a deep breath and stay calm.
First you need to obtain information on the debt to be collected, to which you are entitled by law. Secondly, you will need to verify that the debt is legitimate.
First step: Request information
In this first conversation, your goal is to get Chase to verify the information it has about the debt in question, nothing else.
During the call, ask the following:
- Make sure you’re talking to Chase.
- The account number associated with the debt.
- A detailed list of your debt history: This should include interest, fees, payments and credits.
- The current amount of debt.
- Information about your debt collection rights, including how to dispute the debt.
Chase must provide you with these details by telephone or in writing via email or post.
At this point, some debt collectors will often try to get you to pay a small portion of the debt as a “good faith” payment. DON’T do it yet (among other considerations, you may admit that the debt is yours). Your goal here should simply be to verify the debt.
Once you have this information, politely end the conversation and hang up.
Step two: Check if the debt is legitimate
Most of the time you will either recognize the debt or not.
If there is any question, you can always check your credit report. You are entitled to a free weekly copy of your credit report from your annual credit report. The debt should appear under “collections.”
However, this is not 100% foolproof. Debt collectors don’t always report debt to credit bureaus right away. So ultimately it’s up to you to make the call.
Your next steps will depend on whether the debt is real or a mistake.
Option one: If the debt IS NOT legitimate
If the debt is an error on your credit report, you have the right to ask for it to be erased. You can file a dispute with one of three credit reporting agencies, which are required to look into the error. If it is a real mistake, they will correct your credit report and your score should improve.
If you don’t want to go the DIY route, you can check out our list of the best credit repair companies. These agencies have a long track record of helping customers remove errors from their credit files. They can also help repair any damage done to your credit due to collections.
Chase may call you again during this process. If they do, he calmly explains that the debt is a mistake and that you are disputing it.
Option two: if the debt is legitimate
If the debt is legitimate, you have a few options:
- Negotiate with Chase. Often, banks and debt collection agencies will accept less than the full amount of the debt once it has been sent for collection. If you can negotiate a price you can afford, you can pay off the debt in full.
- If you can’t afford to repay your debt, you can seek help. Debt consolidation loans and debt relief services can help you pay off debt and stop harassing calls.
Bottom line when dealing with 210-520-6400
There’s no doubt about it, dealing with banks and debt collectors can be difficult and stressful. Debt collectors’ business model puts them in a position where it is in their best interest to try to intimidate you. But stay calm. You are protected by law from aggressive behavior and can negotiate with the collector. So don’t ignore the call, but at the same time make sure you are prepared.