Who Called From 312-508-4225?
Short answer: 312-508-4225 is a number used by Fay Servicing, LLC (Fay Servicing, LLC), a third-party collection agency based in Tampa, FL — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2003532-dca on file, address of record in farmers branch, tx. They are almost certainly trying to collect a debt, most often consumer accounts. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 312-508-4225?
The number 312-508-4225 is used by Fay Servicing, LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2003532-dca on file, address of record in farmers branch, tx), a third-party collection agency in Tampa, FL. For the full company profile — ownership, history, and known aliases — see our complete Fay Servicing, LLC guide. This page focuses on the calls coming from 312-508-4225 specifically.
About this specific number
- 📞 Number: 312-508-4225 (area code 312, ending in 4225)
- 📍 Line type: Direct-dial — resolves to the 312 area code.
- 🏢 Operator: Fay Servicing, LLC, a third-party collection agency in Tampa, FL.
- 🔢 Related lines: Fay Servicing, LLC is documented using 2 numbers in our directory, so calls may also come from other digits.
312-508-4225 is a direct-dial number tied to the 312 area code, which is why the call may have appeared "local" on your caller ID even though Fay Servicing, LLC operates out of Tampa, FL.
312-508-4225 may rotate with other Fay Servicing, LLC lines during a single collection campaign, so blocking one number rarely stops the calls entirely.
On your caller ID, in voicemails, or in letters, this company can also appear as: Fay Servicing, LLC.
Why Is Fay Servicing, LLC Calling Me From 312-508-4225?
In our directory, 312-508-4225 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2003532-dca on file, address of record in farmers branch, tx for Fay Servicing, LLC, which typically collects consumer accounts, retail debt. A call from 312-508-4225 usually happens because:
- ✅ An original account (a consumer accounts, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Fay Servicing, LLC to collect on behalf of the original creditor.
- ✅ Fay Servicing, LLC is now dialing you from 312-508-4225 and possibly other lines to reach a resolution.
Calls from 312-508-4225 often come in waves over several weeks. A number of consumers say 312-508-4225 left a vague voicemail asking them to "call back regarding an important business matter" without naming Fay Servicing, LLC. Under the FDCPA, a collector must meaningfully disclose who it is. Text messages and emails sometimes accompany calls from 312-508-4225. Every channel Fay Servicing, LLC uses is bound by the same FDCPA rules, so keep copies of all of them as potential evidence. In short, a ring from 312-508-4225 is a prompt to check your rights, not to pay.
Important: a phone call — even from a real number like 312-508-4225 — does not prove you owe the debt, that the amount is correct, or that Fay Servicing, LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 312-508-4225
Anything you say to Fay Servicing, LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 312-508-4225 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Fay Servicing, LLC.
Don't agree to a payment on the spot
A single payment to Fay Servicing, LLC — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 312-508-4225.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 312-508-4225. Any legitimate Fay Servicing, LLC resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 312-508-4225 caller. If it truly is your Fay Servicing, LLC account, they should already have what they need and must prove it.
What To Do If 312-508-4225 Keeps Calling
Here are concrete next steps for this specific Fay Servicing, LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Send Fay Servicing, LLC a written debt-validation letter within 30 days of the first call from 312-508-4225 and keep the certified-mail receipt.
- 2
If 312-508-4225 calls before 8am or after 9pm your local time, note the exact timestamp; that window is off-limits under the FDCPA.
- 3
Block 312-508-4225 on your device, but remember that Fay Servicing, LLC may simply switch to another line — so pair blocking with a written request.
Your Rights When Fay Servicing, LLC Calls From 312-508-4225
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Fay Servicing, LLC a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Fay Servicing, LLC reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 312-508-4225: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Fay Servicing, LLC stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Fay Servicing, LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Fay Servicing, LLC from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 312-508-4225
We investigate the specific Fay Servicing, LLC account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Fay Servicing, LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Fay Servicing, LLC. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
312-508-4225 — Frequently Asked Questions
Who is calling me from 312-508-4225?
312-508-4225 is a direct-dial line associated with Fay Servicing, LLC (also seen as Fay Servicing, LLC), a third-party collection agency headquartered in Tampa, FL. The number resolves to the 312 area code. If you received a call from 312-508-4225 — often showing the last four digits 4225 on your screen — it is very likely Fay Servicing, LLC attempting to reach you about a debt they say you owe, most often consumer accounts, retail debt.
Is 312-508-4225 a scam number?
Fay Servicing, LLC is a real, registered company, and 312-508-4225 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Fay Servicing, LLC, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 312-508-4225?
You are not legally required to answer 312-508-4225 or call Fay Servicing, LLC back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Fay Servicing, LLC must pause collection until it mails you proof of the debt.
Why is Fay Servicing, LLC calling me about consumer accounts?
A call from 312-508-4225 usually means an original consumer accounts went unpaid and was placed with Fay Servicing, LLC, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Fay Servicing, LLC from calling 312-508-4225?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Fay Servicing, LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 312-508-4225 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Fay Servicing, LLC is calling about?
Do not pay anything based on a call from 312-508-4225 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Fay Servicing, LLC
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