Who Called From 631-761-1028?
Short answer: 631-761-1028 is a number used by POM Recoveries, Inc. (POM Recoveries, Inc.), a third-party collection agency based in Farmingdale, NY — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 0975082-dca on file, address of record in farmingdale, ny. They are almost certainly trying to collect a debt, most often medical/healthcare debt. 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 631-761-1028?
The number 631-761-1028 is used by POM Recoveries, Inc. (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 0975082-dca on file, address of record in farmingdale, ny), a third-party collection agency in Farmingdale, NY. For the full company profile — ownership, history, and known aliases — see our complete POM Recoveries, Inc. guide. This page focuses on the calls coming from 631-761-1028 specifically.
About this specific number
- 📞 Number: 631-761-1028 (area code 631, ending in 1028)
- 📍 Line type: Direct-dial — resolves to the 631 area code.
- 🏢 Operator: POM Recoveries, Inc., a third-party collection agency in Farmingdale, NY.
- 🔢 Related lines: POM Recoveries, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
631-761-1028 is a direct-dial number tied to the 631 area code, which is why the call may have appeared "local" on your caller ID even though POM Recoveries, Inc. operates out of Farmingdale, NY.
Some carriers display 631-761-1028 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from POM Recoveries, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as: POM Recoveries, Inc..
Why Is POM Recoveries, Inc. Calling Me From 631-761-1028?
In our directory, 631-761-1028 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 0975082-dca on file, address of record in farmingdale, ny for POM Recoveries, Inc., which typically collects medical/healthcare debt, government receivables, banking/retail debt. A call from 631-761-1028 usually happens because:
- ✅ An original account (a medical/healthcare debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with POM Recoveries, Inc. to collect on behalf of the original creditor.
- ✅ POM Recoveries, Inc. is now dialing you from 631-761-1028 and possibly other lines to reach a resolution.
Calls from 631-761-1028 often come right after a billing cycle closes. Some people report that 631-761-1028 calls once and hangs up, then tries again from a different POM Recoveries, Inc. line hours later. A single missed call is not proof of a valid debt. When 631-761-1028 shows up on your caller ID, it is worth checking whether the POM Recoveries, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make POM Recoveries, Inc. prove the medical/healthcare debt in writing first.
Important: a phone call — even from a real number like 631-761-1028 — does not prove you owe the debt, that the amount is correct, or that POM Recoveries, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 631-761-1028
Anything you say to POM Recoveries, Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 631-761-1028 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 POM Recoveries, Inc..
Don't agree to a payment on the spot
A single payment to POM Recoveries, Inc. — 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 631-761-1028.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 631-761-1028. Any legitimate POM Recoveries, Inc. 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 631-761-1028 caller. If it truly is your POM Recoveries, Inc. account, they should already have what they need and must prove it.
What To Do If 631-761-1028 Keeps Calling
Here are concrete next steps for this specific POM Recoveries, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 631-761-1028 as a contact labeled "POM Recoveries, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 631-761-1028 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that POM Recoveries, Inc. identify the original creditor behind the 631-761-1028 calls and the date the debt was opened.
Your Rights When POM Recoveries, Inc. Calls From 631-761-1028
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 POM Recoveries, Inc. 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 POM Recoveries, Inc. 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 631-761-1028: 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 POM Recoveries, Inc. 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, POM Recoveries, Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars POM Recoveries, Inc. 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 631-761-1028
We investigate the specific POM Recoveries, Inc. 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 POM Recoveries, Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to POM Recoveries, Inc.. 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.
631-761-1028 — Frequently Asked Questions
Who is calling me from 631-761-1028?
631-761-1028 is a direct-dial line associated with POM Recoveries, Inc. (also seen as POM Recoveries, Inc.), a third-party collection agency headquartered in Farmingdale, NY and operating since 1983. The number resolves to the 631 area code. If you received a call from 631-761-1028 — often showing the last four digits 1028 on your screen — it is very likely POM Recoveries, Inc. attempting to reach you about a debt they say you owe, most often medical/healthcare debt, government receivables, banking/retail debt.
Is 631-761-1028 a scam number?
POM Recoveries, Inc. is a real, registered company, and 631-761-1028 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like POM Recoveries, Inc., 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 631-761-1028?
You are not legally required to answer 631-761-1028 or call POM Recoveries, Inc. 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, POM Recoveries, Inc. must pause collection until it mails you proof of the debt.
Why is POM Recoveries, Inc. calling me about medical/healthcare debt?
A call from 631-761-1028 usually means an original medical/healthcare debt went unpaid and was placed with POM Recoveries, Inc., 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 POM Recoveries, Inc. from calling 631-761-1028?
Yes. The FDCPA lets you send a written cease-and-desist demand telling POM Recoveries, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 631-761-1028 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt POM Recoveries, Inc. is calling about?
Do not pay anything based on a call from 631-761-1028 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 POM Recoveries, Inc.
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