Constant calls from 800-427-2449?
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Is Bank Of America Calling You from 800-427-2449?

Have you received calls from 800-427-2449? That number might belong to Bank Of America, a well-known first-party creditor. Since Bank Of America is collecting its own debt, it doesn't have to follow the FDCPA. However, many states still enforce rules against harassment.

How Your State Regulates Debt Collection

Check your state's rules. Here's how laws may affect how Bank Of America can contact you:

• California: Prohibits threats, false claims, and third-party disclosures.
• Florida: Lets you stop collection calls with a written request.
• Massachusetts: Limits personal collection calls to two per week.
• Michigan: Bans calls outside 8 a.m.- 9 p.m. or at work if you've objected.
• Pennsylvania: Disallows multiple calls with 427-2449 or other numbers for the same debt and false representations.
• Texas: Forbids calls outside legal hours and to workplaces that prohibit them.

Steps to Take If 800-427-2449 Keeps Calling

Here's how to respond if Bank Of America keeps calling from 800-427-2449 despite your concerns:

• Ask for written verification to confirm what you owe and to whom.
• Log each call with dates, times, and summaries to document the activity.
• Report violations to your state's attorney general or consumer protection agency.
• Consult a lawyer if the calls feel threatening, excessive, or misleading.

Call Lemberg Law for a Free Consultation

Click here to understand your protections. Lemberg Law can help you fight back at no cost unless we succeed.