Getting repeated calls from 888-611-6904 can be stressful and confusing.
If you're wondering who is calling you from 888-611-6904 and what you should do about them, you are on the right page. This number has been reported thousands of times by consumers dealing with debt collection calls.
At ASAP Credit Repair, we’ve spent over a decade helping consumers understand and deal with debt collection issues. Including how to identify legitimate collectors, protect their rights, and improve their credit. We've reviewed thousands of cases just like this one, where unknown or aggressive phone calls leave people anxious and unsure of how to respond.
In this guide, we’ll explain everything you need to know about 888-611-6904, how Ally Financial is involved, and how to handle the situation safely and strategically.
Whether the debt is yours or not.
Who Owns 888-611-6904?
888-611-6904 belongs to Ally Bank, also now branded as Ally Financial.
They are a legitimate debt collection agency that works on behalf of creditors to recover outstanding debts. Unlike what many people assume, Ally Bank operates as a third-party debt collector in many cases.
They've often purchased your debt from the original creditor (such as a credit card company), and they're now calling you to collect that debt.
This means they may be calling about:
- Credit card debts they've purchased
- Medical bills assigned to them for collection
- Personal loans from other institutions
- Utility bills or other consumer debts
When you start receiving calls from 888-611-6904, it often signifies one of two scenarios:
- Either they've taken on the responsibility of collecting a debt originally owed to someone else,
- or they're acting as debt recovery agents on behalf of another entity.
Is 888-611-6904 a Scam?
The number itself is legit and belongs to Ally Bank. However, scammers can "spoof" any phone number, including this one.
Here's how to tell if the call is really from Ally Bank:
Why Is 888-611-6904 Calling You?
Ally Bank uses this number for debt collection activities related to purchased or assigned debts:
Debt Collection Activities:
- Purchased debt: They bought your old debt from the original creditor
- Payment requests: They're trying to collect on the outstanding balance
- Settlement offers: They're offering to resolve the debt for less than the full amount
- Payment arrangements: Setting up a payment plan that works for your budget
Account Verification:
- Contact information updates: They need to verify your current address or phone number
- Debt validation requests: Responding to your request for proof of the debt
- Payment confirmations: Confirming payments you've made or setting up new payment methods
Collection Timeline:
Ally Bank typically contacts you after they've acquired your debt from another creditor. This usually happens when:
- Your original account went into default (typically 120-180 days past due)
- The original creditor sold or assigned the debt to Ally Bank for collection
- Previous collection attempts by the original creditor were unsuccessful
The most unsettling aspect of these calls is often the impact they have on your credit report, as collection accounts can significantly damage your credit score.
Do You Legally Have to Respond to These Calls?
You are not legally required to answer calls from 888-611-6904.
However, ignoring them completely might not be the best strategy.
Here's what you need to know:
What Happens If You Ignore the Calls:
- The calls will likely continue and may increase in frequency
- Ally may escalate collection efforts
- They could pursue legal action (lawsuit)
- Negative information may be reported to credit bureaus
- Interest and fees may continue to accrue
Important Note About FDCPA Protection:
Since Ally Bank operates as a third-party debt collector when they purchase or are assigned debts from other creditors, the Fair Debt Collection Practices Act (FDCPA) typically DOES apply to their collection activities. This means they must follow specific rules, including:
- Calling only between 8 AM - 9 PM in your time zone
- Stopping calls to your workplace if you request it
- Providing debt validation when requested
- Not using harassing, abusive, or deceptive practices
This is good news for consumers, as you have more legal protections when dealing with Ally Bank than you would with an original creditor collecting their own debt.
How to Stop Calls from 888-611-6904
You have several options to reduce or stop these calls:
1. Request Written Communication Only
Call Ally directly and request that all communication be in writing. While they may not be legally required to comply (since FDCPA doesn't apply), many companies will honor this request.
2. Dispute the Debt in Writing
If you believe the debt isn't yours or the amount is incorrect, send a written dispute letter within 30 days of their first contact. Request:
- Debt validation
- Original creditor information
- Account statements
- Proof of your responsibility for the debt
3. Set Communication Preferences
Contact Ally's customer service line and:
- Update your preferred contact method
- Set specific calling times
- Request they stop calling your work number
4. Block the Number
While blocking won't resolve the underlying debt, it can provide temporary relief. Be aware that Ally may use other numbers to contact you.
5. Work Out a Payment Arrangement
The most effective way to stop collection calls is to address the debt directly:
- Set up a payment plan
- Negotiate a settlement
- Pay the balance in full
Can Ally Sue You or Damage Your Credit?
Yes, Ally Financial can take legal action and report to credit bureaus.
Legal Action:
- Ally can sue you for the full debt amount plus interest and fees
- They may seek wage garnishment (where legally allowed)
- Court judgments can remain on your credit report for up to 7 years
- Legal action typically occurs after several months of non-payment
Credit Reporting:
- Late payments can be reported after 30 days past due
- Charge-offs appear on your credit report for 7 years
- Collections accounts severely impact your credit score
- Settled debts still show as negative items, though less damaging than charge-offs
Statute of Limitations:
Each state has a statute of limitations for debt collection lawsuits, typically ranging from 3-6 years.
However, certain actions can reset this clock, so consult with a consumer attorney if you're dealing with old debt.
What to Do If You Don't Owe This Debt
If you receive calls about a debt you don't recognize:
Step 1: Request Debt Validation
Send a written request asking Ally to provide:
- Original signed agreement
- Complete payment history
- Proof of your liability for the debt
- Current balance breakdown
Step 2: Check Your Credit Reports
Review all three credit reports (Experian, Equifax, TransUnion) for:
- Unfamiliar Ally accounts
- Incorrect personal information
- Signs of identity theft
Step 3: Document Everything
Keep records of:
- All phone calls (dates, times, what was discussed)
- Written communications
- Your dispute letters
- Any payments made
Step 4: Consider Legal Help
If Ally continues calling about a debt you don't owe, or if they violate consumer protection laws, consider consulting with a consumer attorney. Many offer free consultations for debt-related issues.
Reviews and Complaints About 888-611-6904
Consumer reports about this number are mixed:
Common Complaints:
- Excessive calling: Some consumers report 10-12 calls per day
- Automated calls: Robocalls that hang up when answered
- Continued calls after resolution: Calls continuing even after debts are paid or resolved
- Wrong person calls: Calls for people who don't live at the number
Positive Experiences:
- Successful payment arrangements
- Professional customer service representatives
- Resolution of account issues
How to Deal with Ally Financial Without Making Things Worse
If you do owe money to Ally, here's how to handle the situation professionally:
Before You Call Back:
- Gather all relevant account information
- Know your budget and what you can realistically pay
- Prepare questions about the debt
- Have a pen and paper ready to take notes
During the Conversation:
- Stay calm and professional
- Ask for written confirmation of any agreements
- Don't admit to owing money you're not sure about
- Don't give access to bank accounts unless you're certain about the arrangement
Negotiation Strategies:
- Lump sum settlement: Offer to pay a percentage of the total debt
- Payment plan: Arrange monthly payments you can afford
- Interest rate reduction: Ask if they'll reduce or eliminate interest charges
- Remove negative credit reporting: Negotiate "pay for delete" agreements (though not always possible)
Get Everything in Writing:
Before making any payments:
- Request written confirmation of the agreement
- Understand exactly what you're paying for
- Know how the payment will be reported to credit bureaus
- Keep copies of all documentation
Final Thoughts: Taking Control of Your Situation
Receiving calls from 888-611-6904 doesn't have to be overwhelming. Remember:
- You have rights as a consumer, even when dealing with original creditors
- Taking action is better than ignoring the situation - debt problems rarely resolve themselves
- Documentation is crucial - keep records of all communications
- Professional help is available if you need assistance navigating complex debt issues
Whether you're dealing with a legitimate debt or suspect fraudulent activity, the key is to stay informed about your rights and take appropriate action. Don't let debt collection calls control your life, take the steps necessary to resolve the situation and move forward with confidence.
If you're struggling with multiple debts or need help improving your credit situation, consider speaking with a certified credit professional who can provide personalized guidance based on your specific circumstances.