When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Wal Mart


PO Box 965024
Orlando, FL 32896

Contact Them:

(877) 294-7880

Fast Fact: Pursuant to the Fair Credit Reporting Act, it is unlawful for a creditor to fail to correct or update the information they are reporting about you.

You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged Wal Mart account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. Art N. on April 28, 2015 at 7:19 am

      First Wal Mart decreased my limit from $2000 to $1200 for no apparent reason. A few months later, I was locked out of my online login to my Wal Mart account. Wal Mart tells me I am not locked out but I am. Paying over the phone or at Wal Mart are my only options. To pay a Wal Mart account over the phone you need 20 minutes of talking to a robot. Since this dilemma, Wal Mart has conveniently raked in several late payment fees.

    2. Sherry Smith on August 17, 2016 at 10:54 pm

      I owe walmart $421.00. I got behind on my bills due to an accident. My last payment was April, 2016. I called them today and offered to pay $100. The customer rep stated he could not accept this because my minimum payment is $231. I can’t believe they wouldn’t take into consideration that I am really trying to get my balance paid.

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.