651-204-1376

Thanks for the info. I knew there was something out there to prevent all the call but with all the changes I wasn't quite sure of the changes

I don't have a credit card, so I know there is no possible reason for them to be calling me EVERY HOUR EVERY DAY!!!

tHEY CALL ALL DAY AND IS ANNOYING !!!!!!

Heh...  Odds on, a criminal used the number as the contact number for illegally obtaining credit on an ID Theft move.  The collectors have no concept of legality or that maybe, just maybe they might have erroneous information.  Some of it is that they "can't" really give room for this sort of thing- most of it, though, is because they really ARE bottom feeders of the worst kind.  Check into your State laws as to what Debt Collection Practices really are- most States explicitly forbid this sort of thing and it is $1000-1500 per pop to be breaking the law.  Why do I mention this?  Most people will claim the FDCPA as being the weapon of choice- only with a third party collection agency will this work.  FDCPA explicilty (which I question why...) exempts primary creditors- and they know this.  However, many of the States have similar laws on the books with even more teeth in them than the Federal law.  IF they're operating in your State in any capacity, you can explicitly haul them into your State's court system with sufficient evidence (Call log on the line will be enough...)- and if the damages (Remember...$1000-1500 per call, typically...) exceed $75k you can drag them into Federal Court and apply the State law in question.

It's Credit One Bank... ooops, I missed a payment on a credit card.Its not SPAM they are a REAL company.

THese people keep calling for someone who doens't live here and we have no way of contacting.  We have told them to stop calling us and they said they would remove our number from their list.  After that we recieved 2 more calls with no one one the line when we answered.  They called a total of 6 times in 2 days. One was as late at 9PM.  What does it take to get rid of therse people?

What it takes is not relying on verbal requests, which cannot be proven thus tend to be ignored. Lamet already copied the FTC's advice here over two years ago. Third parties to the alleged debtor like yourself don't get a lot of coverage by FDCPA, but it does say ''any person'' cannot be abused or misled by a collector.

To a ''not me'' case I always recommend putting the agency on notice, just as you would if you were the target and the debt claim was invalid. Send a cease-comm notice via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. This will set a legal landmine, as such a notice is ignored at their peril. This can also help pull the agency under the shadow of TCPA, which carries treble damages for ''willful'' violation.

call shows up as anonymous on my caller ID.  I don't answer those calls but did this morning.  It was from this number.  Got 'em on three counts.

Geez, I'm getting a little tired of calling the FBI everytime this kind of crap happens.......

Thank you for the time you took to do this research and for sharing the information.  My State Attorney General is aware of these ID theives and my claim/complaint is on the books.

Much appreciated!

Dear Mouse,
They got me!  Or more to the point, the offer came to my house, a friend who was staying with me activated the card and started charging away.  that was 3 months ago and I just found out about it today.  A "B" named Allison called and in less than 2 minutes told me that I owed over $300 bucks on the card and in the next breath told me I was "going to collections".   Unbelievable!

Reported it stolen to Credit One on their phone line, but I can't log into the website because I don't have the card in question.  Then I reported it to my State Attorney General.  They are aware of Credit One and are investigating them and their "practices".

Thanks for the information you provided.

India/China/Mexico calls first, if you admit you are who they say they are calling, the call gets transferred to someone who speaks English.  Then the fun starts.  Accusations, threats of collection, all kinds of crap.

ALLISON is the big "B".  She tore me a new one right before I patched in my friend at the Attorney General's office on our phone call.

Here's hoping ALLISON doesn't have a job tomorrow.  Cheers!

It's CREDIT ONE BANK.
PHONE NUMBERS ARE  651-204-1376   and  307-316-7485

Dear Princess,
This is Credit One Bank.   Go on to CREDITONEBANK.COM to find the phone numbers you are looking for.  Chances are someone stole the credit card offer out of your mailbox and activated the card.  You'll need to report it lost/stolen to get out of the charges they may or may not be accusing you of.

By the way, conveniently for them, the Fraud Department closes at 3:00pm Pacific Standard Time.

Good luck!

constantly get calls, they dont leave a voicemail. I dont pick up calls of #s I dont recognize, I have seen a pattern though.. if you dont pick up the phone or if you block their #, they call from a different area code... trick is the middle 3 numbers regardless of area code is always 204.

Example:  xxx-204-xxxx

it began as North dakota, now its MN.. okay, not picking up. likely I inherited this spammer from whoever owned this # last.

You'll be happy to know that the BBB gives these guys an 'A+' rating. Of course they had to pay for it.

unwanted phone calls

10 FDCPA Violations From Credit One Bank

The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. These are things a debt collector can't do. If you need to reference the law, citations have been provided.

1. Ask you to pay more than you owe
The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a)

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2. Ask you to pay interest, fees, or expenses that are not allowed by law
The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1)

3. Call repeatedly or continuously
The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5)

4. Use obscene, profane, or abusive language
Using this kind of language is considered harassment. [15 USC 1692d] § 806(2)

5. Call before 8:00 am or after 9:00 pm
Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1)

6. Call at times the collector knew or should know are inconvenient
Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1)

7. Use or threaten to use violence if you don't pay the debt
Collectors can't threaten violence against you. [15 USC 1692d] § 806(1)

8. Threaten action they cannot or will not take
Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5)
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9. Illegally inform a third party about your alleged debt
Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except:
•your attorney
•the creditor
•the creditor's attorney
•
a credit reporting agency•your spouse
•your parent (if you are a minor)
[15 USC 1692c] § 805(b)

10. Repeatedly call a third party to get your location information
The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [15 USC 1692b] § 804(1)

And they keep calling.......FDCPA Violations !
SUE TIME!

Received a call today asking for a person not known to me.  They said they would take me off the list, but that I might get another call or two before it became effective.  I have received another call.  They are very polite and it makes sense that they are a credit collection company.  A customer must have given a false phone number, and it happened to be mine.

credit one bank credit card collection

Got a call from 651-204-1376, 307-316-7485, Both these numbers belong to CreditOne bank. They call over and over again, but never leave a V/M .