Constant calls from 202-495-4081?
Sue the Caller!

Is Bank of America Calling You from 202-495-4081?

If you’ve been receiving calls from 202-495-4081, the caller may be Bank of America, one of the largest banks in the United States, offering credit cards, mortgages, auto loans, and other financial services.

Banks may contact customers by phone regarding account servicing, past-due balances, payment reminders, or suspected fraud activity. Even when the caller is the original creditor, state laws still protect consumers from harassment, excessive calls, and deceptive collection practices.

Know Your Rights – State-Specific Protections

Many states provide additional protections regulating debt collection calls:

California: Calls generally must occur between 8 a.m. and 9 p.m., and deceptive or abusive contact is prohibited.

Connecticut: Creditors cannot claim to be government officials, accuse consumers of crimes related to a debt, or use calls intended to harass.

Florida: Misleading statements and repeated calls that amount to harassment are prohibited, including workplace calls if the employer does not allow them.

Maryland: The Maryland Consumer Debt Collection Act bans threatening or deceptive tactics and allows consumers to pursue damages.

Massachusetts: Limits collection calls to two calls within seven days to a personal number.

Michigan: Calls cannot occur before 8 a.m. or after 9 p.m., and workplace calls must stop if the consumer objects.

Missouri: The Missouri Merchandising Practices Act prohibits deceptive or unfair conduct related to credit or debt.

North Carolina: The North Carolina Debt Collection Act bans harassment, threats, and deceptive practices.

Pennsylvania: The Fair Credit Extension Uniformity Act restricts repeated calls and deceptive collection tactics.

Texas: Calls are limited to 8 a.m.–9 p.m., and collectors generally cannot contact consumers at work if the employer prohibits it.

What You Can Do

If 202-495-4081 keeps calling:

• Request written verification of the debt or account issue.
• Keep a log of every call, including dates and times.
• Avoid sharing personal information until you confirm the caller’s identity.
• Speak with a consumer rights attorney if the calls become excessive or abusive.

Call Lemberg Law for a Free Consultation

If Bank of America at 202-495-4081 has been calling repeatedly or using aggressive tactics, you may have legal options.

Call Lemberg Law for a free consultation. You pay nothing unless we win. Let us help stop the calls and protect your rights.