Constant calls from 800-528-4800?
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Is American Express Calling You from 800-528-4800?

American Express may be calling from 800-528-4800. These direct creditors often try to collect debts without third-party agencies. Even if American Express is exempt from federal debt collection laws, your state might limit what they're allowed to do.

State Rules for First-Party Debt Collection

Consumer protections differ by state. Here's what American Express needs to follow depending on where you live:

• 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 for the same debt and false representations.
• Texas: Forbids calls outside legal hours and to workplaces that prohibit them.

How to Push Back on Frequent Calls from 800-528-4800

If you believe American Express is contacting you too frequently or unfairly from 800-528-4800, try these steps:

• 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

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