Who Called From 800-897-6877?
Short answer: 800-897-6877 is a number used by ABC Financial (ABC Financial), a third-party collection agency based in Sherwood, AR — documented consumer line (public directory record). They are almost certainly trying to collect a debt, most often gym/fitness membership 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 800-897-6877?
The number 800-897-6877 is used by ABC Financial (documented consumer line (public directory record)), a third-party collection agency in Sherwood, AR. For the full company profile — ownership, history, and known aliases — see our complete ABC Financial guide. This page focuses on the calls coming from 800-897-6877 specifically.
About this specific number
- 📞 Number: 800-897-6877 (area code 800, ending in 6877)
- 📍 Line type: Toll-free — resolves to a toll-free line.
- 🏢 Operator: ABC Financial, a third-party collection agency in Sherwood, AR.
- 🔢 Related lines: ABC Financial is documented using 1 number in our directory, so calls may also come from other digits.
800-897-6877 is a toll-free number, which collectors like ABC Financial use for high-volume inbound and outbound calling.
Some carriers display 800-897-6877 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from ABC Financial.
On your caller ID, in voicemails, or in letters, this company can also appear as: ABC Financial.
Why Is ABC Financial Calling Me From 800-897-6877?
In our directory, 800-897-6877 is tracked as a documented consumer line (public directory record) for ABC Financial, which typically collects gym/fitness membership debt. A call from 800-897-6877 usually happens because:
- ✅ An original account (a gym/fitness membership debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with ABC Financial to collect on behalf of the original creditor.
- ✅ ABC Financial is now dialing you from 800-897-6877 and possibly other lines to reach a resolution.
Calls from 800-897-6877 often come right after a billing cycle closes. Some people report that 800-897-6877 calls once and hangs up, then tries again from a different ABC Financial line hours later. A single missed call is not proof of a valid debt. When 800-897-6877 shows up on your caller ID, it is worth checking whether the ABC Financial account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make ABC Financial prove the gym/fitness membership debt in writing first.
Important: a phone call — even from a real number like 800-897-6877 — does not prove you owe the debt, that the amount is correct, or that ABC Financial can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 800-897-6877
Anything you say to ABC Financial can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 800-897-6877 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 ABC Financial.
Don't agree to a payment on the spot
A single payment to ABC 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 800-897-6877.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 800-897-6877. Any legitimate ABC 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 800-897-6877 caller. If it truly is your ABC Financial account, they should already have what they need and must prove it.
What To Do If 800-897-6877 Keeps Calling
Here are concrete next steps for this specific ABC Financial line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 800-897-6877 as a contact labeled "ABC Financial — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 800-897-6877 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that ABC Financial identify the original creditor behind the 800-897-6877 calls and the date the debt was opened.
Your Rights When ABC Financial Calls From 800-897-6877
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 ABC Financial 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 ABC 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 800-897-6877: 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 ABC 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, ABC Financial generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars ABC Financial 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 800-897-6877
We investigate the specific ABC 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 ABC Financial account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to ABC 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.
800-897-6877 — Frequently Asked Questions
Who is calling me from 800-897-6877?
800-897-6877 is a toll-free line associated with ABC Financial (also seen as ABC Financial), a third-party collection agency headquartered in Sherwood, AR. The number resolves to a toll-free line. If you received a call from 800-897-6877 — often showing the last four digits 6877 on your screen — it is very likely ABC Financial attempting to reach you about a debt they say you owe, most often gym/fitness membership debt.
Is 800-897-6877 a scam number?
ABC Financial is a real, registered company, and 800-897-6877 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like ABC Financial, 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 800-897-6877?
You are not legally required to answer 800-897-6877 or call ABC 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, ABC Financial must pause collection until it mails you proof of the debt.
Why is ABC Financial calling me about gym/fitness membership debt?
A call from 800-897-6877 usually means an original gym/fitness membership debt went unpaid and was placed with ABC 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 ABC Financial from calling 800-897-6877?
Yes. The FDCPA lets you send a written cease-and-desist demand telling ABC Financial to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 800-897-6877 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt ABC Financial is calling about?
Do not pay anything based on a call from 800-897-6877 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 ABC Financial
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