320 Phone Number Lookup: St. Cloud, MN
The 320 area code is serving most of the central part of the U.S. state of Minnesota. Look up any phone number starting with 320 area code.
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The 320 area code is serving most of the central part of the U.S. state of Minnesota. Look up any phone number starting with 320 area code.
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The 320 area code is seeing a rise in aggressive debt collection calls and Social Security impersonation scams. Callers claim you owe a debt or have a problem with your government file to pressure you into paying.
Scammers call claiming to be from debt collectors like "Midland Credit Management" or fake legal firms such as "Titan Legal Services." They threaten to file a civil suit and warn they will show up at your home or work with a man named "Erik White" or "John Walker" to serve you. Some threaten to contact your HR or payroll department if you don't call back an 800-number immediately, and they claim you have been "formally served" over the phone. They use your confirmed personal information to create fake debt records and attempt to collect money you don't owe. You cannot be formally served with a lawsuit over the phone. Real process servers deliver legal documents in person without calling ahead.
"I keep getting a call/message from this number saying they are filing a civil suit against me and that I have been formally served. Today a guy named Erik White said to be prepared with my ID at my work or home, he's on his way.... I do believe this is a scam??"
Robocalls with a computer voice claim your Social Security number is being blocked or suspended. When you call back, a person with a heavy Indian accent answers as the "social security office" from a noisy call center. Other versions use the name "Nancy" and warn this is your "final chance" to act, or claim you recently applied for disability benefits. They ask you to confirm your Social Security number so they can use it to open credit accounts, file fake tax returns, or steal government benefits in your name. The Social Security Administration will never call you to threaten your benefits. They communicate through U.S. mail and will not ask for personal information via phone.
"computer voice said they were blocking my social security number and to call a toll free number and to have a blessed day. Called the number back and after several clicking noises on the phone an indian speaking man answered phone as 'social security office, how can help you' there was a lot of noise in the background so I just hung up"
Automated calls about an expiring "Vehicle Protection" plan or car warranty often start right after you purchase a new vehicle. The system asks you to press 1 to speak to a specialist, and they call relentlessly from slightly different numbers to bypass call blockers. If you tell them you're not interested or have an old car, they hang up immediately. They use your confirmed phone number to sell you expensive and often worthless service contracts that provide little to no actual coverage. These calls are not from your car's manufacturer or dealership. Your actual dealer will contact you by mail for official business.
"Got a call from this number telling me my warranty was expiring on my car and would I like to renew it. Told them I had an old car with no warranty and they hung up fast!"
Scammers leave voicemails claiming to be from the IRS or a tax advocacy group with an "important update regarding your outstanding tax balance." They mention the fictional "Advantage Tax Forgiveness Program" released in February 2023 and promise your tax debt can be "forgiven or reduced by 50 percent." The calls come from local 320 numbers but ask you to call back a different area code, creating urgency by stating you must call back "imperatively." They use your personal information to prepare fake tax documents and steal any refunds you're owed. The IRS initiates most contact through official U.S. mail, not unexpected phone calls. Fictional programs like the "Advantage Tax Forgiveness Program" do not exist.
"This is an important update regarding your outstanding tax balance. The new Advantage Tax Forgiveness Program was released this February 2023. And now your outstanding tax debt is eligible to be forgiven or reduced by 50 percent...it is imperative that you us call back at 201-249-5643."
Automated calls claim a service you never signed up for will auto-renew, threatening to "continue to bill me at $299 for some 'platinum' service" for your PC unless you call back. Other versions impersonate Apple or Microsoft, claiming your account has been compromised or your financial data was breached, instructing you to press 1 to speak with a representative. They use your confirmed contact information and any financial details you provide to charge your credit cards for fake services or gain remote access to your computer to install malware. Legitimate companies like Microsoft and Apple do not make unsolicited calls about security breaches. Subscription renewal notices are sent via email.
"Received an automated call claiming that they will 'continue' to bill me at $299 for some 'platinum' service unless I called back"
Text messages from individuals identifying as "Mike" or "Mike Martinez" mention your specific home address and ask if "the estate" is interested in selling. The messages use odd phrasing and include "STOP2END" to appear legitimate. They use your confirmed property ownership information to target you for aggressive sales tactics, create detailed profiles for future scams, or sell your data to other companies. Legitimate real estate agents do not use anonymous, unsolicited text messages from out-of-state numbers as their first contact method.
"I received the same message: "Hey there, I'm Mike Martinez. I noticed *Home Address*. Does the estate want to sell? STOP2END""
Area Code 320 phone numbers reported as unwanted calls to the FTC in the last 30 days.
(320) 403-9754
6 reports ·
(320) 307-7168
3 reports ·
(320) 703-4539
3 reports ·
(320) 472-9014
3 reports ·
(320) 244-8414
2 reports ·
(320) 264-9500
2 reports ·
(320) 666-4691
2 reports ·
(320) 737-7808
2 reports ·
(320) 703-4107
2 reports ·
(320) 855-0750
2 reports ·
No, 320 is a legitimate Minnesota area code serving the central part of the state, including St. Cloud. Scammers spoof 320 numbers to appear local to central Minnesota residents who are likely to answer a familiar prefix.
Fake IRS tax forgiveness programs with invented names like the "Advantage Tax Forgiveness Program" are specifically documented in this code. Social Security impersonation calls using computer voices, and tech-support subscription renewal scams threatening $299 charges, are also extensively reported.
Phone numbers with the 320 area code originate from the central part of Minnesota, specifically excluding the Twin Cities metro region. This area code was established in 1996 through a split from area code 612 .
Area code 320 is a general purpose code which was placed in service on March 17, 1996.
| Rate Center | Number of Prefixes |
|---|---|
| ST CLOUD | 52 |
| WILLMAR | 13 |
| ALEXANDRIA | 12 |
| LITTLE FLS | 7 |
| HUTCHINSON | 6 |
| MONTEVIDEO | 5 |
| GLENWOOD | 4 |
| MORRIS | 4 |
| GRANITEFLS | 3 |
| LITCHFIELD | 3 |
| PINE CITY | 3 |
| SAUKCENTRE | 3 |
| APPLETON | 2 |
| BENSON | 2 |
| Other | 118 |
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