What Is T-Mobile's Phone Number for Debt Collection?

Melissa Lyken

March 10, 2021

T-Mobile doesn't mess around when you own them money.

Summary: T-Mobile calls themselves the "uncarrier." But when it comes to debt collection, they're just like all the rest. Here's their contact information and how to beat them in court.

T-Mobile, one of the leading mobile communications companies in the industry, is infamous for engaging in unfair debt collection practices. Many customers claim to receive calls from debt collection agencies without prior notification about the debt they owe.

The bad news is that debtors are hardly allowed to negotiate a settlement with the company. As such, making full or partial payments doesn't stop the company from adding your account to your credit report damaging your credit score for up to seven years.

Some debtors prefer working with T-Mobile directly instead of the debt collection agency but don't know how to contact the company. This article explains how you can get in touch with the company for debt collection.

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Get to Know T-Mobile

T-Mobile is the brand name the German telecommunications company Deutsche Telekom AG uses on its mobile communications subsidiaries. The name is active in many countries, including the United States, T-Mobile US, the Netherlands, Czech Republic, and Poland.

The company's headquarters is based in Bonn, Germany, with satellite companies operating GSM-UMTS and LTE-Based cellular networks in the United States, Europe, Virgin Islands, and Puerto Rico.

In the United States, T-Mobile came to the limelight after launching the 'un-carrier' campaign. The campaign allowed customers to sign up for T-Mobile services without the two-year service contract many providers required at the time.

T-Mobile's Debt Collection Practices

T-mobile's advertising and unfair debt collection practices made headlines for the better part of 2015 and 2016. Many consumers alleged that the company was charging debt despite eliminating the two-year service contracts and introducing the no-interest consumer loan for purchasing phones and other equipment.

The no-interest consumer loan is called an Equipment Installment Plan and was introduced to help customers manage the high cost of purchases. While the product increased its customer base, it was the beginning of its debt collection woes.

One of the complaints filed by Change to Win with the Consumer Financial Protection Bureau called for an investigation into T-Mobile's misleading advertisements and abusive debt collection practices.

According to the complaint, customers who canceled the company's wireless service before the end of two years made the amount remaining on the Equipment Installment Plans due. The amount is often larger than the penalties associated with the early termination of traditional two-year service contracts.

A review of 5500 customer complaints with the Better Business Bureau found that more than 300 current and former customers were unaware of the EIP fee. Other customers cited receiving little or no notice before their debts were referred to a collection agency.

Change to Win explained that T-Mobile had contracted up to eight third-party collectors and made it difficult for customers to contest those debts. Also, the company provides inaccurate reports about the debt owed and hardly responds to debt verification requests.

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FDCPA and FCRA Regulations for Debt Collection

According to regulatory compliance at the federal and state level, debt collection must be fair and honest. Two acts have been formulated to ensure fairness in debt collection: FDCPA and FCRA. The Fair Debt Collections Practices Act (FDCPA) outlines what construes abusive and deceitful debt collection practices. In a nutshell, it prohibits debt collectors from:

  • Calling you before 8 am or after 9 pm
  • Harassing, oppressing, or abusing you
  • Using unfair practices
  • Disregarding a written request from the debtor to cease further contact

T-Mobile seems to violate all such practices and regulations stipulated by the Fair Credit Reporting Act (FCRA). The act:

  • Stipulates the information that should be included in credit reports
  • Allows debtors to dispute debt charged if inaccurate information is included in the lawsuit
  • Dictates how debt collectors can report to credit reporting agencies
  • Requires creditors to furnish accurate and complete information to debt collectors
  • Debt collectors must have policies and procedures to verify they're reporting information about the right person.
  • They should also correct and update the information when necessary.
  • Debt collectors should maintain records for a reasonable amount of time.

Resolve Your Debt with T-Mobile

The first thing you want to do is contact T-Mobile at (800)-937-8997 to verify the amount of debt you owe. If they can't help, enlist the help of a debt collection law firm or professional. The representative should help you determine the amount of debt owed and negotiate affordable debt settlement terms.

Use SoloSuit to respond to debt collectors and win in court.

Remove T-Mobile Collections From Your Credit Report

Paying debt in full or partially doesn't prevent T-Mobile from reporting you to the credit bureau. First, the company reports you to a debt collection agency, and if you still can't settle the debt, it notifies the credit bureau.

This means T-Mobile is added to the credit report, which can damage your credit score for up to seven years regardless of making payment. If that's the case, it will help if you talked to a credit repair professional to help remove T-Mobile Collections from your credit report or send a letter yourself.

Note, the FCRA entitles debtors to receive notices concerning the handling, reporting, and use of credit information. Unfortunately, T-Mobile hardly informs most of its debtors about its decision to list them with the credit bureau or debt collection agencies.

In 2016, a debtor received a notification on their Credit report stating they owed a debt collection agency money after T-Mobile had enlisted the company for debt collection. According to the debtor, he had never received information regarding the debt and was still a T-Mobile customer. The debtor wanted to talk to the company directly, not the debt collection agency, to have his account removed from the credit report.

In this example, T-Mobile violates the right to inform the debtor about the debt owed and sending it to the collection agency. As such, he can sue the company in state or federal court for damages. Alternatively, he can contact T-Mobile collections directly at (800) 937-8997 or send a letter via this address:

T-Mobile Customer Relations

P. O. Box 37380

Albuquerque, NM 87176-7380

Writing a letter creates a paper trail which comes in handy when disputing a lawsuit in court. On the other hand, calling hardly preserves this right and eliminates any opportunity to show proof of correspondence between you and the company.

This in-depth insight should help you know how to deal with T-mobile debt and its debt collection agencies. Be sure to acquaint yourself with FCRA regulations and enlist the help of a credit repair consultant.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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