Who Called From 716-362-6720?
Short answer: 716-362-6720 is a number used by Alltran Financial (Alltran), a third-party collection agency based in Houston, TX — reported early-morning dialing line originating from buffalo, new york. They are almost certainly trying to collect a debt, most often credit card 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 716-362-6720?
The number 716-362-6720 is used by Alltran Financial (reported early-morning dialing line originating from buffalo, new york), a third-party collection agency in Houston, TX. For the full company profile — ownership, history, and known aliases — see our complete Alltran Financial guide. This page focuses on the calls coming from 716-362-6720 specifically.
About this specific number
- 📞 Number: 716-362-6720 (area code 716, ending in 6720)
- 📍 Line type: Direct-dial — resolves to Buffalo, New York.
- 🏢 Operator: Alltran Financial, a third-party collection agency in Houston, TX.
- 🔢 Related lines: Alltran Financial is documented using 19 numbers in our directory, so calls may also come from other digits.
716-362-6720 is a direct-dial number tied to Buffalo, New York, which is why the call may have appeared "local" on your caller ID even though Alltran Financial operates out of Houston, TX.
Screening tools sometimes label 716-362-6720 generically as "Scam Likely" or "Debt Collector." Either way, treat 716-362-6720 as Alltran Financial until proven otherwise, and handle it in writing.
On your caller ID, in voicemails, or in letters, this company can also appear as: Alltran, United Recovery Systems, Alltran Financial LP.
Why Is Alltran Calling Me From 716-362-6720?
In our directory, 716-362-6720 is tracked as a reported early-morning dialing line originating from buffalo, new york for Alltran Financial, which typically collects credit card debt, student loans, healthcare. A call from 716-362-6720 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Alltran Financial to collect on behalf of the original creditor.
- ✅ Alltran Financial is now dialing you from 716-362-6720 and possibly other lines to reach a resolution.
Calls from 716-362-6720 often come right after a billing cycle closes. Some consumers only notice 716-362-6720 after it has called dozens of times. You can send Alltran Financial a written request to communicate by mail only — that alone can quiet the phone while you investigate. A number of consumers say 716-362-6720 left a vague voicemail asking them to "call back regarding an important business matter" without naming Alltran Financial. Under the FDCPA, a collector must meaningfully disclose who it is. The takeaway: verify before you engage with 716-362-6720.
Important: a phone call — even from a real number like 716-362-6720 — does not prove you owe the debt, that the amount is correct, or that Alltran Financial can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 716-362-6720
Anything you say to Alltran can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 716-362-6720 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 Alltran Financial.
Don't agree to a payment on the spot
A single payment to Alltran Financial — 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 716-362-6720.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 716-362-6720. Any legitimate Alltran Financial 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 716-362-6720 caller. If it truly is your Alltran Financial account, they should already have what they need and must prove it.
What To Do If 716-362-6720 Keeps Calling
Here are concrete next steps for this specific Alltran Financial line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 716-362-6720 as a contact labeled "Alltran Financial — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 716-362-6720 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Alltran Financial identify the original creditor behind the 716-362-6720 calls and the date the debt was opened.
Your Rights When Alltran Calls From 716-362-6720
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 Alltran 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 Alltran Financial 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 716-362-6720: 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 Alltran Financial 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, Alltran generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Alltran 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 716-362-6720
We investigate the specific Alltran Financial 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 Alltran account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Alltran Financial. 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.
716-362-6720 — Frequently Asked Questions
Who is calling me from 716-362-6720?
716-362-6720 is a direct-dial line associated with Alltran Financial (also seen as Alltran), a third-party collection agency headquartered in Houston, TX and operating since 2016. The number resolves to Buffalo, New York. If you received a call from 716-362-6720 — often showing the last four digits 6720 on your screen — it is very likely Alltran Financial attempting to reach you about a debt they say you owe, most often credit card debt, student loans, healthcare.
Is 716-362-6720 a scam number?
Alltran Financial is a real, registered company, and 716-362-6720 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Alltran, 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 716-362-6720?
You are not legally required to answer 716-362-6720 or call Alltran Financial 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, Alltran Financial must pause collection until it mails you proof of the debt.
Why is Alltran Financial calling me about credit card debt?
A call from 716-362-6720 usually means an original credit card debt went unpaid and was placed with Alltran Financial, 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 Alltran Financial from calling 716-362-6720?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Alltran Financial to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 716-362-6720 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Alltran Financial is calling about?
Do not pay anything based on a call from 716-362-6720 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 Alltran Financial
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