Was late for my payment for the first time in over 5 years (owe less than $4K on all my Chase balances, and I think this is the second time I've ever been late ever) and these bozos won't stop calling me even though I called Chase's customer service number from the back of my cards and fixed everything up myself. My husband is convinced they're a phishing scam (if I need something, I'll call the bank's official 800 number, not give it to some random number from Florida!) but debt collection makes sense too, since it only started a week after I realized my payment was late. If they're this persistent on someone who's never been late and has such a small balance, I don't know what everyone else is experiencing! Since everything's fixed with Chase, I put this number in a Spam groupa on my phone and turned the ringer off for that group.