210-520-0146 is a phone number used by Chase Card Services. They are calling because they think you owe money on a Chase credit card, and they want to collect that money.
The phone number is routed through their San Antonio, Texas call center, and the calls are often very pushy and sometimes misleading.
You're not the only one who's getting calls from 210-520-0146. Nearly a half a million calls have been detected from 210-520-0146 on RoboKiller alone, and over 1,500 people have complained about the phone number on different caller ID platforms. People report that 210-520-0146 calls them 3-5 times a day, and never leaves a voicemail. They also won't tell you who they are until you answer the call.
Don't panic, don't answer the phone, and don't agree to anything just yet. The next few days are crucial. How you respond to the calls from 210-520-0146 will either preserve your rights or give Chase all the power. We're going to show you the warning signs to look out for, the rights you already possess, and what actually gets the calls to stop.
What Is Chase Card Services?
Company Name: Chase Card Services (trade name of Chase Bank USA, N.A.)
Company Type: First-party creditor (original credit card issuer collecting its own debts)
Parent Company: JPMorgan Chase & Co.
Industry: Consumer revolving credit card debt
Company Size: Largest U.S. credit card issuer by purchase volume, with over $214 billion in average outstanding card loans
Headquarters: Wilmington, Delaware (card operations); San Antonio, Texas (call center for this number)
Geographic Reach: Nationwide across all 50 states, with additional call centers in Illinois, Missouri, India, and the Philippines
BBB Rating: A- (not accredited); over 5,000 complaints closed in the most recent three-year period.
Chase Card Services Has a History of Debt Collection Abuse
Chase Card Services isn't just any creditor calling you. They've paid over $715 million in regulatory penalties and class-action settlements for violating debt collection laws, robo-signing court documents, and operating illegal robocalling schemes.
In 2015, the CFPB and 47 state attorneys general discovered that Chase filed more than 528,000 debt collection lawsuits using illegally robo-signed affidavits, including 150,000 false sworn statements provided to debt buyers.
In a series of class-action settlements, Chase also paid more than $40 million for using automated dialers to call consumers' cell phones without consent. We'll get into more details on this later. For now, suffice it to say that this company has a proven track record of stepping on consumers' rights.
Why Is Chase Card Services Calling Me?
The Typical Reasons Behind the Calls
Chase Card Services calls people for a few different reasons. Sometimes they do involve debts you actually owe. Most of the time, Chase Card Services calls consumers because they missed a payment or are late on a Chase credit card, such as the Chase Freedom, Sapphire, Slate, Amazon Prime Rewards, or any co-branded airline and hotel card.
When a delinquent account reaches a certain age, a collections mechanism kicks into gear to alert the consumer by phone.
But according to the complaints, Chase was also calling people who had never had a Chase card, people who had long since paid off debts, and people whose debts had been discharged in bankruptcy. "They call me every day, sometimes multiple times per day for weeks," wrote one frustrated EveryCaller user. "'Chase card services, we have an important message for you.' I do not have any Chase cards."
When the Calls Don't Add Up
This is your first clue that something might be amiss. If you don't recognize the account, or if the balance doesn't seem right, or if you already paid this debt, then there is something wrong with the data Chase is using. The state of Mississippi's investigation found that Chase was pursuing consumers for debts they had already paid, or settled, or that had been discharged in bankruptcy.
It also found that Chase's in-house debt recovery business had grown from $130 million in 2000 to $1.2 billion in credit card recoveries by 2009. A business doesn't get that big by sweating every detail. It gets that big by volume, and volume breeds errors. And those errors can end up on your credit report, which can prompt phone calls about debts you don't owe.
Red Flags That Something Is Wrong with This Collection Entry
Suspicious Dates and Unfamiliar Account Details
Every collection on your credit report has a date of first delinquency (DoFD), which is the date from which the seven-year clock starts ticking. If that date is incorrect on your credit report, or if it has been re-aged to make it appear more recent, that is a violation of the Fair Credit Reporting Act.
Check the account number. The original creditor. The balance. Does anything match up with your records?
If you see a Chase credit card account you never opened, or a balance that appears inflated, or a DoFD that doesn't match your records, these are the warning signs you need to investigate this entry further.
The Documentation Is Often Weaker Than You Think
Chase's history of regulatory run-ins provides a glimpse into just how reliable its internal documentation might be. The 2015 CFPB settlement found that Chase was selling "zombie debts" to third-party buyers, debts that were already paid, or fraudulently opened, or discharged.
On a single day, Chase filed 469 collection lawsuits in California alone using robo-signed court documents. If a company that large is fabricating court documents by the hundreds in a single day, imagine the quality of the paperwork behind the typical collections call.
You have the right as a consumer to demand verification of a debt under the Fair Debt Collection Practices Act. You have the right to request proof of the debt, including the amount, the original creditor, the DoFD. If they can't provide it, then the entry shouldn't be on your report.
What Are People Saying About These Calls?
Constant Calling, Zero Responsibility
The stories about 210-520-0146 are all similar. A caller on 800Notes says: "Same here! They don't leave voice mails at all... Called 5 times Sunday!" A poster on CallerCenter says the calls come "every morning at 8:04 persistently, every morning as if it is on a timer."
Several people report that they have called Chase about these calls, and Chase told them they have no record of calling them. A caller on Tellows reports getting multiple calls asking for her Social Security number, calling Chase about it, and being told that Chase would never ask for that information and the account was in good standing.
Unwanted Calls
On several occasions, the calls are said to have targeted the wrong or vulnerable people. A caller on YouMail says the number kept calling her mother about a cell phone bill, despite the fact that her mother has dementia and the phone has been in her name for years.
Another caller reports getting four calls in under 8 hours, while in the middle of filing for Chapter 7 bankruptcy. A poster on CallerCenter says: "When I answered they said they were calling about my credit card with Chase and wanted to talk to me about my balance. I asked what my balance was and was told $4,995.00, but I no longer have an account."
These are not signs of responsible and verified debt collection. These are red flags.
What Actually Works to Stop the Calls
Why You Should Not Respond Directly
The debt collection industry makes 99% of its money because consumers do not know their rights. Every time you answer the phone, you're giving the debt collector exactly what they want: a response, an emotional reaction, and possibly an admission or a payment that will reset the statute of limitations on a debt. The emotional manipulation is intentional, and it's designed to get you to act before you think.
Don't call the number back. Don't confirm your identity. Don't give them your Social Security number, your bank account information, or any payment information.
A recent transcript from Nomorobo shows someone identifying themselves as "Bankim" from Chase, with employee ID "U264889," saying the call "may be monitored or recorded." Anything you say on the call can and will be used as evidence in favor of the debt collection.
Dispute the Credit Report Entry
The best way to get collection calls to stop is to dispute the credit report entry associated with the calls.
If you initiate a dispute with the credit reporting agencies, the entity that reported the item to your credit report is legally obligated to verify the complete accuracy of every detail of the credit report entry. If they cannot do so within 30 days, the credit reporting agency must delete the entry. This is not a trick.
Chase Card Services 210-520-0146
If you are receiving calls from 210-520-0146, you are likely already familiar with the name Chase Card Services.
As a subsidiary of JPMorgan Chase, the largest bank in the country, Chase Card Services has a long history of debt collection, with a long trail of Consumer Financial Protection Bureau (CFPB) complaints and over $715 million in regulatory penalties and class-action settlements. What is less commonly discussed, however, is that many of those complaints and fines stem from inaccurate and unverified collection entries.
In fact, as recently as 2015, Chase paid over $715 million in regulatory penalties and class-action settlements for illegal debt collection practices that included the use of unverified and inaccurate information to pressure consumers into paying debts they may not have owed.
The calls from 210-520-0146 are an extension of those practices, and understanding your legal rights is key to making them stop for good.
The Right to Dispute
The right to dispute is one of the most powerful tools consumers have for fighting back against collection calls. It is a right established under the Fair Credit Reporting Act (FCRA), and it works precisely because companies like Chase have a documented history of sloppy record-keeping.
Using procedural requirements and documentation failures to eliminate inaccurate entries is not an ethical gray area. It is the system working as designed to protect consumers from exactly the kind of abuses Chase has been penalized for.
Why Working with a Professional Makes a Difference
Removing the Emotional Manipulation
Collection calls are engineered to trigger fear, guilt, and urgency. When you are fielding three to five calls a day from a number that will not leave a voicemail, it is nearly impossible to think clearly about strategy.
One EveryCaller user who ultimately filed suit against Chase explained it this way: calls that once felt overwhelming became a liability for Chase, costing them thousands in legal fees.
Working with a credit repair company is not just about expertise with the dispute process. It is about creating a professional buffer between you and the emotional manipulation. When someone else is handling the paperwork, reviewing the documentation, and communicating through proper channels, you are free to make decisions based on strategy instead of stress.
Expertise with the Dispute Process
A credit repair professional knows exactly what to look for in a collection entry: re-aged dates, inflated balances, missing documentation, and reporting errors that the average consumer would never catch.
They understand the procedural requirements that creditors and bureaus must follow, and they know how to hold both parties accountable when those requirements are not met. The seven-year clock, the verification obligations, the documentation standards: these are all tools that exist to protect you.
But they only work if someone uses them correctly and consistently. That is what professional help provides.
Conclusion
Take Action Today
Chase Card Services has the resources of the largest bank in the country behind their collection efforts. But resources do not equal accuracy, and as their regulatory history proves, they have been caught cutting corners at a massive scale. The calls from 210-520-0146 are designed to pressure you into reacting without thinking. Do not give them that advantage.
Your credit report is the battlefield, and the entries on it are only as strong as the documentation behind them. Pull your credit report, review every Chase entry for red flags, and take the dispute process seriously. It is the single most effective tool you have for making these calls stop for good.
If you want help navigating this process, FightCollections.com specializes in disputing inaccurate and unverified collection entries on behalf of consumers. Our team handles the research, the paperwork, and the follow-up so you do not have to face these calls alone.
Visit FightCollections.com today to learn how we can help.
