- EOS CCA is a debt collection operation of Collecto, Inc., headquartered in Massachusetts, United States. A debt collector that specializes in cellphone accounts and other charged-off consumer debts.
- If a letter or call references an account you don't recognize, that's common — the original account was sold or assigned, and EOS CCA is now the one trying to collect on it.
- We found claims online about a federal CFPB enforcement action against Collecto, Inc. d/b/a EOS CCA, but couldn't independently verify specific details from primary sources, so we're not repeating unconfirmed figures here.
- Regardless of a collector's history, you have the same FDCPA rights with any of them: 30 days from first contact to request validation in writing, during which they must stop collecting until they prove the debt.
Who they are
EOS CCA is a debt collection operation of Collecto, Inc., headquartered in Massachusetts, United States. A debt collector that specializes in cellphone accounts and other charged-off consumer debts. If a letter or call references an account you don't recognize, that's common with debt buyers and collection operations — the original creditor (a cell phone company, credit card issuer, retailer, or lender) sold or assigned the account, and EOS CCA is now the one trying to collect on it.
Your rights if they've contacted you
Whichever collector you're dealing with, the same federal law applies. You have 30 days from their first written contact to request validation — a written request asking them to prove the debt is real and yours. Once you do, they're required to stop collection activity until they've provided that proof.
If EOS CCA has contacted you about a debt, PUSHBACK reads the notice you received and drafts that request from the specific details on it — you review it before you pay anything.