Past due credit card bill..?

Question

Can a credit card company itself call you at work? If not, how should I get them to stop? They call my work at least 4 times a day and I tell them not to call me at work but then they start asking for my supervisor. They have no business talking to anyone else but me about my financial problems, right?

Answer 1

the Fair Debt Collection Practices Act DOES NOT apply to major credit card banks?   It applies only to the collection attorneys and professional debt collection companies they might hire. Original creditors are regulated by state law; however, the major credit card companies follow policies that closely mirror those of the FDCPA and will comply with your request to stop phoning you at home and work, etc., just as if you were dealing with a collection service. If you believe you have been harassed by an original creditor, or that the original creditor has done something illegal or threatening towards you, then research your state laws on the subject and contact the proper authorities to file a formal complaint. Typically, the Attorney General in your state is the proper authority to contact.

Here are some more resources to file a complaint

Report the credit card issuer to the Comptroller of the Currency.  Phone number is 202-874-4700.

Report the company to your state's attorney general's office. You can find links to your state's AG website at naag.org.  Your state might allow you to file a complaint online.  This is probably the most effective complaint to make as it is the attorney general's who have filed most of the lawsuits against credit card companies.  For example, it was the California AG who sued Providian and forced them to pay the largest judgment against a credit card company ever.

Report the company to the Better Business Bureau. Submit your case for dispute resolution online at www.bbb.org.

Hope this answers your question

LEGAL DISCLAIMER:  The advice contained herein is for informational purposes only.  It is not to be construed as Legal Counsel nor Legal Advice.

Answer 2

In theory, yes, but in practice they can be very agressive. And you have a legal obligation to pay, so the law is not on your side in terms of harassment.