Community discussion · Composite borrower case
The balance was paid at 11 a.m., but collection calls continued into the afternoon
One borrower missed a credit-card payment due on August 7. On August 18, while at work, calls began arriving from a series of numbers that the borrower did not recognize or see identified as the bank. The borrower said an online check linked them to a third-party collection partner. The borrower paid the full balance at around 11 a.m. through the bank app, including the late charge and interest. Calls still continued into the afternoon. The public post records 17 calls from 17 different numbers that day. Four were listed between 2:20 p.m. and 2:33 p.m. The borrower said personal calls were not allowed during work and described the sequence as disruptive. A written complaint with the call log was filed at 11:26 a.m. According to the borrower, an initial response acknowledged the frequency concern but described collection-related calls as part of the bank's process and asked for a preferred contact time. The complaint was then routed to the Collections Team. The borrower reproduced a later response saying the calls were an approved collection tool, confirming that payment had posted and instructing the borrower to disregard further texts or emails. The borrower said the case was then closed without answering why so many calls were made from different numbers or why calls continued after payment. This page reports that complaint and response sequence; it does not independently verify every caller's identity or conclude that the conduct violated a law or regulation. Where the story stood The full balance and charges were reported paid, and the bank response reproduced by the borrower confirmed posting. The public record available to BorrowTalk does not show a later regulator decision, a final answer to the call-frequency complaint or whether the card was ultimately cancelled.
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