Comcast Collections Department (CCD) on Your Credit Report? Fight Back and Win

Facing down a debt collector is no small feat. This process requires diligence, time, money, and causes stress. When a debt collector mysteriously appears on your credit report, you may experience a surge of worry and panic. If you don’t know the rules and common errors made on credit reports, fighting collections on your credit report is overwhelming. 

If Comcast Collections Department (CCD) has initiated contact or appeared on your report, there’s some vital information you need to know. CCD, the collections department within Comcast, has made false reports before, and you might not be an exception. 

What is Comcast Collections Department and What Do They Do?

The process of debt collection and credit reporting is complex. Knowledge about the subject, and experience with collections, is helpful when dealing with collection agencies like Comcast Collections Department. 

CCD is a collection department within Xfinity, or Comcast Corporations. This telecommunication company provides television, internet, phone, and other services to consumers. 

If CCD has reported a delinquent account on your credit report, it’s because you allegedly owe debt to Xfinity or Comcast Corp.

Is Comcast Collections Department a Legitimate Company?

Comcast Collections Department is a real company - not a scam or spam call. A common misconception among individuals who are unfamiliar with debt collectors is that their calls are spam. While this assumption is valid, since CCD’s communication tactics are often unrelenting, take all contact seriously. 

Calls, emails, or letters from CCD should not be ignored. However, seeking advice and help to determine if the collection is valid is recommended as the first step. While they are a legitimate company, once you answer or return their calls they will become more frequent and aggressive. Consider that before calling them back on your own. 

Company Information

CCD utilizes a variety of phone numbers to reach consumers with alleged debt. While it’s not advised to contact them yourself, it’s essential you have accurate information. CCD’s general contact info is:

• Address & Location: 1701 John F Kennedy Blvd #300, Philadelphia, PA 19103
• Phone Number: (888) 936-4968 or (215) 583-8078
• Website: https://www.xfinity.com/overview

Consumer Complaints

CCD, like most other debt collection agencies, is infamous for poor customer service. Many consumers have submitted complaints to the Better Business Bureau (BBB). These complaints are related to debt and billing, claims of misreports, and false debt accusations.

Discerning Between a Scam and a Real Company

The best way to discern between a scam and a legitimate company is to do your research before returning the phone call. Do an online search of the phone number calling you and also research any companies that pop up as affiliated with that number. 

If you are receiving phone calls from a collection agency such as CCD try to research which companies they collect debts for. If you do not recognize any of those companies as someone you have engaged in lending with, the collection may be misdirected or invalid. 

Errors and mistakes in debt reporting are common among collection agencies. If you think the collection calls are coming to you by mistake seeking help and advice before replying is advised. 

What Does Comcast Collections Department Collect For?

As noted earlier, Comcast Collections is an Xfinity-affiliated department. If you’re being contacted by the CCD, it may mean you may have a delinquency or unpaid account with Xfinity. If you have never used Xfinity, or haven’t used their services for years, this debt on your credit report may be an error. 

Will This Affect My Credit?

If the CCD appears on your credit report it will impact your credit score in several ways. Immediately paying off this debt may not help correct the damage done to your credit. 

Many consumers assume that paying off the debt will immediately remove CCD from their report and fix their credit score. However, that’s not always the case. Keep these critical details in mind:

• If you choose to pay the debt, it could stay on your report for up to 7 years
• This could affect the likelihood of securing other lending, i.e., car, home, recreational vehicle, or credit cards. 
• Collections may lower your credit score over time
• A lower credit score may impact your ability to rent a property
• Your credit score affects your ability to pursue future financial goals and assets 

Before paying off the debt it’s best to find out if making payments will help your credit score at all. Additionally, you should always ensure the collection is not a misprint or an error before making any payments. 

With the right help and advice, you can remove CCD from your credit report entirely without handing over any of your hard-earned money. 

How Do I Know if I’m Being Harassed?

As a consumer, you have rights that protect you from intimidation, aggression, and threats from collection agencies. Debt collectors must abide by a strict set of regulations when interacting with consumers.

Unfortunately, debt collection agencies such as CCD sometimes violate these laws and restrictions set forth by the FDCPA (Fair Debt Collection Practices Act). 

Be on the lookout for these unlawful actions when dealing with the CCD:

• The collector does not identify themselves or state who they are when calling you
• They withhold vital information from you and refuse to verify the debt owed
• They call at untimely hours of the day, such as early mornings or late evenings
• They threaten you with force, coercion, a potential lawsuit, or even an arrest
• They ask for personal information like your Social Security number
• They disclose your debt information to friends, family, or colleagues
• They present you with fraudulent or false claims
• They continue to contact you even after you’ve hired an attorney for help and representation

Any abusive, threatening, coercive, or oppressive behavior falls under the label of debt-collection harassment. You are protected under the Fair Debt Collection Practices Act and you have the right to dispute these claims before making any payments.

Combating Comcast Collections Department: Remove Them from Your Report

So, what does it take to remove Comcast Collections Department from your report once and for all? While this isn’t a full list of the necessary combative steps, this will help you start to take action.

Request Copies of Your Credit Report

First and foremost, you should request copies of your credit report from all major credit bureaus and agencies. Review these reports for accuracy, and note any errors or discrepancies. Companies like the CCD make mistakes frequently, and your debt may be a misprint. If you believe there to be an error on your report, get in touch with us at Fair Credit right away. We can dispute errors on your behalf.

Send a Cease & Desist Letter

With support from an attorney, you may terminate all contact with Comcast Collections Department by sending a Cease & Desist letter. There are a number of acceptable phrases when drafting a Cease & Desist letter. However, you may write something along the lines of, “Please cease and desist all contact with me immediately.”

You reserve the right to preserve your sanity and your well-being while you sort out any potential errors and misdirected collection efforts. 

Negotiate a Settlement

If the debt being pursued against you is in fact valid, in some cases you can negotiate a settlement. However, as stated above, sometimes paying off an old debt may not help improve your credit score. 

If through your research and discovery, you think the debt collection is valid, it is recommended you consult with an attorney before attempting to negotiate a settlement with CCD. It is not always necessary to settle your debt. 

Hire the Proper Support

Last, but certainly not least, hiring legal support is always helpful. Debt collection agencies are known for their persistent and sometimes aggressive tactics. Without an understanding of your rights, you may end up hurting your own case and subjecting yourself to endless harassment.

Some of the benefits of having an attorney by your side are:

• Your attorney can review the details of your case and mark any major errors or discrepancies
• If necessary, your attorney can represent you in court
• Your attorney can take note of any major consumer rights violations
• You’ll have someone in your corner who understands the intricacies of debt collection
• Your attorney will help ensure you are not paying off an invalid debt or a debt being reported by mistake 
• If applicable, your attorney may be able to help you negotiate a settlement amount to be paid rather than the full amount being pursued

Hiring support and utilizing all your resources during such an intimidating ordeal is always best. 

An Experienced FCRA Attorney is Here to Help

If the CCD has falsely accused you of owing a debt, you’re not alone. Or, if you acknowledge you have an unpaid debt and are unsure how to proceed, we are here to help. A reliable FCRA attorney can help you regain financial sovereignty and freedom. 

Our team has tackled hundreds of cases and guided our clients toward resolution. We’ll carefully review your case and customize a tailor-made solution just for you. Contact us to request your free case review today!