(404) 348-0346
FTC phantom debt collection action (October 2024 TRO, May 2025 permanent ban) documents fake debt collection calls. Uses an Atlanta, GA 404 prefix. Callers threaten legal action to pressure payment.
Reports
FTC TRO October 2024 ($7.6M bogus debt)
First documented
2024
Last active
2025-11
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What the scam says
Caller claims to represent a law firm or collection agency, states you owe a debt and face imminent legal action or wage garnishment unless you pay immediately. Demands payment via wire transfer, Zelle, or prepaid card. May use a fake case or reference number.
4 red flags
Legitimate debt collectors must provide written notice of the debt before demanding payment
Real collectors are required by the FDCPA to provide debt verification on request
Threats of immediate arrest for debt are illegal and never legitimate
Payment via gift card, wire, or Zelle demanded by any collector is a scam
What to do
Request written debt verification — legitimate collectors are required by law to provide it
Do not pay over the phone to anyone who called you about a debt
Report to CFPB at consumerfinance.gov/complaint — FDCPA violations are their jurisdiction
Report to FTC at reportfraud.ftc.gov
Report this scam
Source
FTC — phantom debt collection action October 2024 (TRO), May 2025 permanent ban; FTC fake debt collectors consumer alert (consumer.ftc.gov)
https://consumer.ftc.gov/articles/fake-abusive-debt-collectors ↗Related scam numbers
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Frequently asked questions
Is (404) 348-0346 a scam?▼
FTC phantom debt collection action (October 2024 TRO, May 2025 permanent ban) documents fake debt collection calls. Uses an Atlanta, GA 404 prefix. Callers threaten legal action to pressure payment.
Why is (404) 348-0346 calling me?▼
Caller claims to represent a law firm or collection agency, states you owe a debt and face imminent legal action or wage garnishment unless you pay immediately. Demands payment via wire transfer, Zelle, or prepaid card. May use a fake case or reference number.
What should I do if I receive a call or text from (404) 348-0346?▼
Request written debt verification — legitimate collectors are required by law to provide it Do not pay over the phone to anyone who called you about a debt Report to CFPB at consumerfinance.gov/complaint — FDCPA violations are their jurisdiction
How many people have reported (404) 348-0346?▼
FTC TRO October 2024 ($7.6M bogus debt) reports documented. First reported: 2024. Last active: 2025-11. Source: FTC — phantom debt collection action October 2024 (TRO), May 2025 permanent ban; FTC fake debt collectors consumer alert (consumer.ftc.gov).
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Check your message →Source: FTC — phantom debt collection action October 2024 (TRO), May 2025 permanent ban; FTC fake debt collectors consumer alert (consumer.ftc.gov)
First documented: 2024 · Last active: 2025-11
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