Getting Calls from 877-422-0763? It Might Be Credit One Bank
If 877-422-0763 has been showing up on your caller ID, it’s likely Credit One Bank, a first-party creditor. Unlike third-party debt collectors, Credit One Bank isn’t bound by the Fair Debt Collection Practices Act (FDCPA). However, that doesn’t mean they can do whatever they want—state laws still protect you from harassment, excessive calls, and unfair collection tactics.
State Laws That Protect You from Aggressive Collection Calls
Where you live determines how creditors like Credit One Bank can legally contact you. Here are some key state-specific protections:
California – Debt collectors can’t use misleading statements, make threats, or contact third parties without permission.
Florida – If you send a written request asking them to stop calling, they must stop all collection calls.
Massachusetts – Creditors cannot call more than twice within seven days at a personal number.
Michigan – Calls before 8 a.m. or after 9 p.m. are illegal, and calls to your workplace must stop if you object.
Pennsylvania – Prohibits multiple calls per week about the same debt and bans deceptive collection tactics.
Texas – Calls outside of 8 a.m.–9 p.m. aren’t allowed, and creditors can’t call your workplace if your employer forbids it.
What You Can Do If Credit One Bank Is Calling Too Much
If 877-422-0763 keeps calling and it feels excessive, pushy, or unfair, you don’t have to sit back and take it. Here’s what you can do:
✔️ Request written verification of the debt. They must provide details about what you owe.
✔️ Document every call – Keep track of the dates, times, and what was said in each conversation.
✔️ File a complaint with your state’s consumer protection office if they violate state laws.
✔️ Talk to an attorney if Credit One Bank is harassing you or using deceptive collection practices.
Lemberg Law Can Help You Stop the Calls
If 877-422-0763 is calling nonstop, we can help. You pay nothing unless we win, and we’ve helped thousands of people stand up to unfair collection tactics.
📞 Call Lemberg Law today for a free consultation.
Ways You Might See This Number
877-422-0763
87742207631-877-422-0763877.422.0763877 422 0763(877) 422-0763This 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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