Norman Fenton Group

Has your phone become a source of stress because of persistent calls from First National Credit Card? Do the calls come multiple times a day, at odd hours, or with aggressive or misleading language? If so, you may be experiencing First National Credit Card phone harassment—and that’s not something you have to live with.

This blog will guide you through what qualifies as harassment, your rights under federal law, steps you can take to protect yourself, and how the Consumer Rights Law Firm PLLC can help you stop the harassment and even seek compensation.

What Is First National Credit Card?

First National Credit Card is a credit card provider associated with First National Bank, which issues credit cards primarily to individuals with fair or limited credit. Like most credit card companies, when payments fall behind, they may:

• Call you directly to collect payments

• Assign your account to internal recovery teams

• Send your account to a third-party debt collector

• Report the debt to credit bureaus

Even if the debt is valid, you are still protected by laws that prevent abusive, deceptive, or overly aggressive collection practices. If those protections are violated, it becomes First National Credit Card phone harassment.

What Is Considered First National Credit Card Phone Harassment?

Phone harassment can take many forms. Below are some of the most common red flags:

1. Repeated and Excessive Calls

Are you receiving multiple calls per day, including back-to-back calls or calls at work? Excessive calling is a key indicator of First National Credit Card phone harassment.

2. Calls at Inappropriate Hours

Debt collectors and creditors are restricted to calling between 8 a.m. and 9 p.m. in your local time. Calls outside of those hours are unlawful.

3. Robocalls and Autodialers Without Consent

If you're receiving automated calls, pre-recorded messages, or robocalls without giving written permission, that may be a violation of the Telephone Consumer Protection Act (TCPA).

4. Threats or Intimidation

Threatening legal action, garnishment, arrest, or jail time (especially if they don't intend to follow through) is illegal under federal law.

5. Calling After You’ve Asked Them to Stop

If you’ve formally requested no further contact, and they continue to call, it may be a direct violation of the Fair Debt Collection Practices Act (FDCPA).

If any of the above applies to your situation, you're likely a victim of First National Credit Card phone harassment, and it’s time to fight back.

What Laws Protect You From Harassment?

You are protected by several powerful federal laws when it comes to creditor and debt collector communication.

1. Fair Debt Collection Practices Act (FDCPA)

This law applies to third-party debt collectors and prohibits:

• Harassing or abusive behavior

• Calling before 8 a.m. or after 9 p.m.

• Contacting you at work after being asked not to

• Discussing your debt with third parties

• Continuing contact after receiving a cease-and-desist letter

2. Telephone Consumer Protection Act (TCPA)

The TCPA restricts telemarketing and debt collection calls made using:

• Autodialers

• Robocalls

• Text messages

• Pre-recorded voice messages

Each unwanted robocall may be worth $500 to $1,500 in statutory damages if your consent was not given.

If you're being called by either First National Credit Card directly or a third-party collector in ways that violate these laws, it's not just annoying—it’s First National Credit Card phone harassment, and it may be grounds for legal action.

What You Can Do If You’re Being Harassed

You don’t have to wait until it gets worse. If you feel overwhelmed by calls or believe your rights are being violated, take the following steps:

1. Keep a Call Log

Write down the time, date, number, and details of every call. Save voicemails, text messages, and letters. These can serve as strong evidence.

2. Request Written Validation of the Debt

Under the FDCPA, you have the right to request written proof of the debt. Send a debt validation letter within 30 days of the first contact.

3. Send a Cease-and-Desist Letter

You can legally demand that the collector stop calling you. If they call after receiving this letter, it strengthens your case for harassment.

4. Block the Number

This can provide temporary relief, although it doesn't legally stop them. If they're using multiple numbers, blocking may not be enough.

5. Report the Harassment

File complaints with:

• Consumer Financial Protection Bureau (CFPB)

• Federal Trade Commission (FTC)

• State Attorney General’s Office

• Better Business Bureau (BBB)

6. Contact a Consumer Rights Attorney

Let a legal expert guide you through the process. If you're experiencing First National Credit Card phone harassment, our team at Consumer Rights Law Firm PLLC can help stop the calls and recover damages.

How We Help: Consumer Rights Law Firm PLLC

We’ve handled thousands of cases of creditor and debt collector harassment. We know how overwhelming the calls can be—and how to stop them.

When you work with us, we will:

• Analyze your case for free

• Send legal notices to stop all further contact

• File lawsuits if your rights have been violated

• Help you recover compensation

• Negotiate on your behalf if the debt is still unresolved

Most importantly, we work on a contingency basis, which means you don’t pay unless we win your case.

Real-Life Cases of Phone Harassment

Case Study #1: Jason from Ohio

Jason received over 20 robocalls from First National Credit Card within a single week. He had never given permission for autodialed calls. We filed a claim under the TCPA and won Jason $7,500 in damages.

Case Study #2: Tamika from Georgia

Tamika disputed a debt that had already been paid. Despite this, she kept receiving calls for weeks. After contacting our firm, we sent a cease-and-desist letter, and then sued under the FDCPA. She received $1,000 in statutory damages.

These are just two examples of how First National Credit Card phone harassment can be addressed—and stopped—legally.

What Compensation Could You Receive?

If you take legal action, here’s what you may be eligible for:

• Up to $1,000 under the FDCPA

• $500–$1,500 per call under the TCPA

• Actual damages for emotional distress, lost wages, or medical costs

• Attorney’s fees and legal costs covered

You don’t have to prove the debt was invalid to win a harassment case. Violations of the law are what matter.

Frequently Asked Questions (FAQs)

Q: Can I sue First National Credit Card for harassment even if I owe them money?

A: Yes. Debt doesn’t erase your consumer rights. If they violate the FDCPA or TCPA, you can still file a lawsuit.

Q: Are robocalls to my cell phone illegal?

A: Yes, if they didn’t have your written consent. Each illegal robocall may be worth $500–$1,500 in damages under the TCPA.

Q: How long do I have to take action?

A: Under the FDCPA and TCPA, you generally have one year from the date of the violation to file a lawsuit.

Q: Can they keep calling if I ask them to stop?

A: No. Once you send a cease-and-desist letter, continued calls can result in serious legal consequences.

Stop the Harassment Today

The phone rings. It's them again. You dread answering. You ignore the call—but you feel the anxiety, stress, and fear creeping in again. It’s time to end it.

First National Credit Card phone harassment is real—and it's illegal. But you have rights, and you’re not alone. The team at Consumer Rights Law Firm PLLC is ready to help you fight back.

📞 Ready to Reclaim Your Peace?

Call us today or visit ConsumerRightsLawFirm for a free case review. We’ll stop the calls and help you hold the harassers accountable.