(320) 472-9404
St. Cloud, MN
(320) 472-9404 has 2 FTC complaints, mostly about debt relief.
- No new complaints since Jul 14, 2026 (FTC data through Nov 13, 2026).
- More FTC complaints than 84% of the 12,475 numbers with FTC complaints in area code 320.
- Only 2 numbers in the 320-472 block have more complaints, of 258 there with FTC complaints.
Complaint history
2 FTC complaints between Jan 15, 2026 and Jul 14, 2026.
The FTC complaints came in 2 of the 7 months from Jan 2026 to Jul 2026.
FTC complaints are filed by consumers with the U.S. Federal Trade Commission's Do Not Call registry; they aren't verified by the FTC or by us.
What callers claimed
2 of its 2 FTC complaints (100%) are about debt relief, against 23% of the 15,692 FTC complaints about all numbers in area code 320.
Complaint categories chosen by FTC complainants:
- Reducing your debt (credit cards, mortgage, student loans) 2 · 100%
Who called
The number's block is assigned to Hd Carrier LLC in St. Cloud, MN.
Is it a debt collector?
Nothing says it is: none of its 2 complaints describe debt collection; 2 (100% of FTC complaints) are about debt relief, which means offers to reduce credit card, loan or other debt. That's a sales pitch, not a collector asking you to pay a debt you owe.
Nearby numbers in 320-472
258 numbers in 320-472 have 279 FTC complaints between them (85% robocalls), 2 of them about (320) 472-9404. The commonest categories in the block: Reducing your debt (credit cards, mortgage, student loans) (58%), Calls pretending to be government, businesses, or family and friends (3%).
The closest reported numbers on either side of (320) 472-9404, in number order.
When the calls came
Time of day of 2 calls:
Day of the week of 2 calls:
The date and time of the call as complainants entered them on the FTC form; the time zone isn't recorded. Times entered as exactly midnight or noon are left out (they're usually the form's default).
Location
- Location of the number block
- St. Cloud, MN, USA
- Block assigned to
- Hd Carrier LLC
From the North American Numbering Plan Administrator (Nov 3, 2026). This is who the number block was assigned to; numbers can be moved between carriers, and caller IDs can be faked.
FTC complainants were in New Jersey (1) and New York (1).
Where FTC complainants were located (U.S. states):
- New Jersey 1 · 50%
- New York 1 · 50%
Complainants' cities:
East Windsor, NJ (1) · Hamburg, NY (1)
As typed on the FTC form, with spelling variants merged; complaints without a city aren't counted.
Searches on Canadial
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Recent community reports
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What to do
- Don't share personal or banking details, or pay anyone, on a call you didn't expect. Hang up and call the organization back on a number you find yourself.
- Block it from your recent calls (iPhone: ⓘ, then “Block this Caller”; Android: long-press, then “Block”).
- Report fraud to the Canadian Anti-Fraud Centre (1-888-495-8501).
- Report telemarketing if you're registered and still got the call: to the National Do Not Call List.
- A collector calling? How to check a collection agency in your province.
- Report fraud to the FTC.
- Report telemarketing if you're registered and still got the call: to the National Do Not Call Registry.
- A collector calling? See the FTC's guide to your rights.
- Report fraud: in the U.S. to the FTC; in Canada to the Canadian Anti-Fraud Centre (1-888-495-8501).
- Report telemarketing if you're registered and still got the call: in the U.S. to the National Do Not Call Registry; in Canada to the National Do Not Call List.
- A collector calling? In the U.S., see the FTC's guide to your rights; in Canada, how to check a collection agency in your province.
Questions about (320) 472-9404
- Who called me from (320) 472-9404?
- No complaint names the caller; FTC complainants most often said the calls were about debt relief. The number is in a block assigned to Hd Carrier LLC in St. Cloud, MN (NANPA, Nov 3, 2026); numbers can move between carriers, so the caller's provider may differ.
- Is (320) 472-9404 a scam?
- Canadial rates it low risk, from 2 complaints, latest Jul 14, 2026.
- Is (320) 472-9404 a debt collector or collection agency?
- Nothing says it is: none of its 2 complaints describe debt collection; 2 (100% of FTC complaints) are about debt relief, which means offers to reduce credit card, loan or other debt. That's a sales pitch, not a collector asking you to pay a debt you owe.
- Should I call (320) 472-9404 back?
- Be careful. If you don't recognize it, let it go to voicemail: a legitimate caller will leave a message, and you can reach any real organization on a number you look up yourself.
- How many times has (320) 472-9404 been reported?
- 2 complaints to the U.S. FTC's Do Not Call registry between Jan 15, 2026 and Jul 14, 2026.
- What do callers from (320) 472-9404 say?
- 2 of its 2 FTC complaints (100%) are about debt relief, against 23% of the 15,692 FTC complaints about all numbers in area code 320.
Data updated: FTC complaints through Nov 13, 2026; numbering records as of Nov 3, 2026; community reports live. How this page is built.