Constant calls from 862-212-0053?
Sue the Caller!

Who's Behind the Number 862-212-0053? It Might Be Credit One Bank

Credit One Bank might be using 862-212-0053 to reach out about a balance. The FDCPA doesn't govern first-party creditors, but you can still rely on state consumer laws to protect you.

State-by-State Rules for First-Party Creditors

Different states have different rules. Here are some laws that could limit how Credit One Bank may contact you:

• California: Creditors can't make false threats or contact unauthorized third parties.
• Florida: You can stop collection calls by submitting a written request.
• Massachusetts: Personal numbers can receive no more than two calls per week.
• Michigan: Calls must occur between 8 a.m. and 9 p.m. and not reach your job if you object.
• Pennsylvania: Collectors may not call repeatedly about the same debt or mislead you.
• Texas: Calls outside legal hours or to restricted workplaces violate state law.

What to Do If You Keep Receiving Calls from 862-212-0053

Here's how to respond if Credit One Bank keeps calling:

• Request written proof of the debt to confirm its validity.
• Document every call, including when it happened and what was said.
• Report issues to your state's consumer protection agency if necessary.
• Talk to a consumer attorney if the communication feels excessive or aggressive.

Call Lemberg Law for a Free Consultation

If you believe that calls from 862-212-0053 are pushing boundaries, Lemberg Law is here to help. We offer free consultations, and you won't pay unless we win. Don't let unwanted contact take over your day-reach out today.