Who Called From 510-781-5100?
Short answer: 510-781-5100 is a number used by Collection Bureau of America (CBA), a third-party collection agency based in Hayward, CA — direct office line (hayward, ca). They are almost certainly trying to collect a debt, most often utility debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 510-781-5100?
The number 510-781-5100 is used by Collection Bureau of America (direct office line (hayward, ca)), a third-party collection agency in Hayward, CA. For the full company profile — ownership, history, and known aliases — see our complete Collection Bureau of America guide. This page focuses on the calls coming from 510-781-5100 specifically.
About this specific number
- 📞 Number: 510-781-5100 (area code 510, ending in 5100)
- 📍 Line type: Direct-dial — resolves to the 510 area code.
- 🏢 Operator: Collection Bureau of America, a third-party collection agency in Hayward, CA.
- 🔢 Related lines: Collection Bureau of America is documented using 1 number in our directory, so calls may also come from other digits.
510-781-5100 is a direct-dial number tied to the 510 area code, which is why the call may have appeared "local" on your caller ID even though Collection Bureau of America operates out of Hayward, CA.
Some carriers display 510-781-5100 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Collection Bureau of America.
On your caller ID, in voicemails, or in letters, this company can also appear as: CBA, Collection Bureau of America Ltd, CBA Ltd.
Why Is CBA Calling Me From 510-781-5100?
In our directory, 510-781-5100 is tracked as a direct office line (hayward, ca) for Collection Bureau of America, which typically collects utility debt, telecom debt, medical debt. A call from 510-781-5100 usually happens because:
- ✅ An original account (a utility debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Collection Bureau of America to collect on behalf of the original creditor.
- ✅ Collection Bureau of America is now dialing you from 510-781-5100 and possibly other lines to reach a resolution.
Calls from 510-781-5100 often come right after a billing cycle closes. Some people report that 510-781-5100 calls once and hangs up, then tries again from a different Collection Bureau of America line hours later. A single missed call is not proof of a valid debt. When 510-781-5100 shows up on your caller ID, it is worth checking whether the Collection Bureau of America account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Collection Bureau of America prove the utility debt in writing first.
Important: a phone call — even from a real number like 510-781-5100 — does not prove you owe the debt, that the amount is correct, or that Collection Bureau of America can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 510-781-5100
Anything you say to CBA can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 510-781-5100 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Collection Bureau of America.
Don't agree to a payment on the spot
A single payment to Collection Bureau of America — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 510-781-5100.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 510-781-5100. Any legitimate Collection Bureau of America resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 510-781-5100 caller. If it truly is your Collection Bureau of America account, they should already have what they need and must prove it.
What To Do If 510-781-5100 Keeps Calling
Here are concrete next steps for this specific Collection Bureau of America line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 510-781-5100 as a contact labeled "Collection Bureau of America — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 510-781-5100 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Collection Bureau of America identify the original creditor behind the 510-781-5100 calls and the date the debt was opened.
Your Rights When CBA Calls From 510-781-5100
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send CBA a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Collection Bureau of America reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 510-781-5100: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Collection Bureau of America stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, CBA generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars CBA from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 510-781-5100
We investigate the specific Collection Bureau of America account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the CBA account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Collection Bureau of America. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
510-781-5100 — Frequently Asked Questions
Who is calling me from 510-781-5100?
510-781-5100 is a direct-dial line associated with Collection Bureau of America (also seen as CBA), a third-party collection agency headquartered in Hayward, CA and operating since 1959. The number resolves to the 510 area code. If you received a call from 510-781-5100 — often showing the last four digits 5100 on your screen — it is very likely Collection Bureau of America attempting to reach you about a debt they say you owe, most often utility debt, telecom debt, medical debt.
Is 510-781-5100 a scam number?
Collection Bureau of America is a real, registered company, and 510-781-5100 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like CBA, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 510-781-5100?
You are not legally required to answer 510-781-5100 or call Collection Bureau of America back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Collection Bureau of America must pause collection until it mails you proof of the debt.
Why is Collection Bureau of America calling me about utility debt?
A call from 510-781-5100 usually means an original utility debt went unpaid and was placed with Collection Bureau of America, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Collection Bureau of America from calling 510-781-5100?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Collection Bureau of America to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 510-781-5100 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Collection Bureau of America is calling about?
Do not pay anything based on a call from 510-781-5100 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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