Is PenFed Credit Union Calling You from 800-451-7269?
If you’ve been receiving calls from 800-451-7269, PenFed Credit Union (Pentagon Federal Credit Union) may be the one calling. In general, PenFed is a large U.S. credit union that offers credit cards, personal loans, auto loans, and other financial products.
If there is an issue with your account or a past-due payment, PenFed may attempt to contact you directly. Even when the caller is the original creditor, state laws still protect consumers from harassment, excessive calls, and deceptive collection tactics.
Know Your Rights – State-Specific Protections
Many states provide additional protections regarding 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 make 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 transactions.
North Carolina: The North Carolina Debt Collection Act bans harassment, threats, and deceptive practices by creditors or collectors.
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 800-451-7269 keeps calling:
- Request written verification of the debt.
- Keep a log of every call, including dates and times.
- Send a written request asking the creditor to limit or stop communication if permitted under your state law.
- Speak with a consumer rights attorney if the calls become excessive or abusive.
Call Lemberg Law for a Free Consultation
If PenFed Credit Union at 800-451-7269 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.
Ways You Might See This Number
800-451-7269
80045172691-800-451-7269800.451.7269800 451 7269(800) 451-7269This could be a Debt Collector calling you.
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
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