Who Called From 813-331-4255?
Short answer: 813-331-4255 is a number used by Fin Care US LLC (Fin Care US LLC), a third-party collection agency based in Mesa, AZ — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2104985-dca on file, address of record in mesa, az. 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 813-331-4255?
The number 813-331-4255 is used by Fin Care US LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2104985-dca on file, address of record in mesa, az), a third-party collection agency in Mesa, AZ. For the full company profile — ownership, history, and known aliases — see our complete Fin Care US LLC guide. This page focuses on the calls coming from 813-331-4255 specifically.
About this specific number
- 📞 Number: 813-331-4255 (area code 813, ending in 4255)
- 📍 Line type: Direct-dial — resolves to the 813 area code.
- 🏢 Operator: Fin Care US LLC, a third-party collection agency in Mesa, AZ.
- 🔢 Related lines: Fin Care US LLC is documented using 1 number in our directory, so calls may also come from other digits.
813-331-4255 is a direct-dial number tied to the 813 area code, which is why the call may have appeared "local" on your caller ID even though Fin Care US LLC operates out of Mesa, AZ.
Some carriers display 813-331-4255 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Fin Care US LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as: Fin Care US LLC.
Why Is Fin Care US LLC Calling Me From 813-331-4255?
In our directory, 813-331-4255 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2104985-dca on file, address of record in mesa, az for Fin Care US LLC, which typically collects consumer accounts. A call from 813-331-4255 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 Fin Care US LLC to collect on behalf of the original creditor.
- ✅ Fin Care US LLC is now dialing you from 813-331-4255 and possibly other lines to reach a resolution.
Calls from 813-331-4255 often come right after a billing cycle closes. Some people report that 813-331-4255 calls once and hangs up, then tries again from a different Fin Care US LLC line hours later. A single missed call is not proof of a valid debt. When 813-331-4255 shows up on your caller ID, it is worth checking whether the Fin Care US LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Fin Care US LLC prove the consumer accounts in writing first.
Important: a phone call — even from a real number like 813-331-4255 — does not prove you owe the debt, that the amount is correct, or that Fin Care US LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 813-331-4255
Anything you say to Fin Care US LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 813-331-4255 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 Fin Care US LLC.
Don't agree to a payment on the spot
A single payment to Fin Care US 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 813-331-4255.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 813-331-4255. Any legitimate Fin Care US 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 813-331-4255 caller. If it truly is your Fin Care US LLC account, they should already have what they need and must prove it.
What To Do If 813-331-4255 Keeps Calling
Here are concrete next steps for this specific Fin Care US LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 813-331-4255 as a contact labeled "Fin Care US LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 813-331-4255 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Fin Care US LLC identify the original creditor behind the 813-331-4255 calls and the date the debt was opened.
Your Rights When Fin Care US LLC Calls From 813-331-4255
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 Fin Care US 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 Fin Care US 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 813-331-4255: 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 Fin Care US 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, Fin Care US LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Fin Care US 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 813-331-4255
We investigate the specific Fin Care US 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 Fin Care US LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Fin Care US 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.
813-331-4255 — Frequently Asked Questions
Who is calling me from 813-331-4255?
813-331-4255 is a direct-dial line associated with Fin Care US LLC (also seen as Fin Care US LLC), a third-party collection agency headquartered in Mesa, AZ. The number resolves to the 813 area code. If you received a call from 813-331-4255 — often showing the last four digits 4255 on your screen — it is very likely Fin Care US LLC attempting to reach you about a debt they say you owe, most often consumer accounts.
Is 813-331-4255 a scam number?
Fin Care US LLC is a real, registered company, and 813-331-4255 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Fin Care US 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 813-331-4255?
You are not legally required to answer 813-331-4255 or call Fin Care US 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, Fin Care US LLC must pause collection until it mails you proof of the debt.
Why is Fin Care US LLC calling me about consumer accounts?
A call from 813-331-4255 usually means an original consumer accounts went unpaid and was placed with Fin Care US 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 Fin Care US LLC from calling 813-331-4255?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Fin Care US LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 813-331-4255 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Fin Care US LLC is calling about?
Do not pay anything based on a call from 813-331-4255 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.
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