Constant calls from 800-453-2044?
Sue the Caller!

Is American Express Calling You from 800-453-2044?

Calls from 800-453-2044 are likely coming from American Express, a first-party lender managing its own debt recovery. The FDCPA doesn't apply to American Express because they collect their own debts. But state laws can still protect you.

Know Your Rights

Even without FDCPA oversight, state law can protect you from unfair collection tactics by American Express:

• 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 800-453-2044 or other numbers for the same debt and false representations.
• Texas: Forbids calls outside legal hours and to workplaces that prohibit them.

Responding to Ongoing Calls from American Express

Here's how to respond if American Express keeps calling from 800-453-2044 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

So think you might have a case against the caller contacting you at 800-453-2044? Let Lemberg Law protect your rights. Schedule your free consultation today.