Who is eBay?
eBay is a globally recognized online marketplace that facilitates consumer-to-consumer and business-to-consumer sales. The platform is headquartered in San Jose, California, and operates in numerous countries around the world.
If a bill related to eBay is not paid, such as seller fees, subscription fees for eBay’s stores, or fees related to eBay’s managed payments system, it might be turned over to a collection agency. Consequently, you may see eBay listed on your credit report as a collections account.
How can I remove eBay Collections from my credit report?
eBay collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional credit repair services work with people who want to get their credit back on track.
In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
eBay Contact Information
2025 Hamilton Ave
San Jose, CA 95125
Phone number: (866) 540-3229
Should I contact or pay eBay collection agency?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with eBay collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like eBay on behalf of their clients.
Will eBay’s collection agency sue me or garnish my wages?
eBay, or a collection agency working on behalf of eBay, does have the right to sue you for an unpaid debt. If they win a lawsuit against you and obtain a judgment, they might then be able to garnish your wages or levy your bank account, depending on the laws of your state.
However, lawsuits and wage garnishment are typically last resorts due to the costs and time involved in the process. The decision often depends on the size of the debt, the likelihood of collection, and the specific policies of the company or collection agency.
eBay Collection Agency Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with eBay Collection Agency
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for eBay Collection Agency to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- eBay Collection Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- eBay Collection Agency must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- eBay Collection Agency cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove eBay Collections From Your Credit Report Today!
Credit Saint can assist you in disputing eBay accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- 11 Charter Communications
- Aargon Agency, Inc.
- Ad Astra Recovery Services
- Afni Collections
- Account Resolution Services
- Capio Partners
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBE Group
- CCS Offices
- Commonwealth Financial Systems
- Convergent Outsourcing
- Credence Resource Management
- Credit Collection Services
- Dynamic Recovery Solutions
- Enhanced Recovery Company
- EOS CCA
- GC Services
- Global Credit and Collection Corp
- Harris & Harris
- Healthcare Revenue Recovery Group
- Hunter Warfield
- IC System
- IQ Data International
- Jefferson Capital Systems
- LVNV Funding LLC
- McCarthy, Burgess & Wolff
- Midland Credit Management
- MiraMed Revenue Group
- MRS Associates
- MRS BPO LLC
- National Credit Systems
- Nationwide Recovery Service
- Northland Group
- Phoenix Financial Services
- PMAB LLC
- Portfolio Recovery Associates
- Reliant Capital Solutions
- Revenue Group
- Southwest Credit Systems
- Sprint Collections
- Transworld Systems
- USCB America
- Verizon Collections
- Wakefield and Associates
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