Who Called From 628-236-5833?
Short answer: 628-236-5833 is a number used by Figure Lending LLC (Figure Lending LLC), a third-party collection agency based in Reno, NV — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2099898-dca on file, address of record in charlotte, nc. They are almost certainly trying to collect a debt, most often home equity line of credit (heloc) 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 628-236-5833?
The number 628-236-5833 is used by Figure Lending LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2099898-dca on file, address of record in charlotte, nc), a third-party collection agency in Reno, NV. For the full company profile — ownership, history, and known aliases — see our complete Figure Lending LLC guide. This page focuses on the calls coming from 628-236-5833 specifically.
About this specific number
- 📞 Number: 628-236-5833 (area code 628, ending in 5833)
- 📍 Line type: Direct-dial — resolves to San Francisco, California.
- 🏢 Operator: Figure Lending LLC, a third-party collection agency in Reno, NV.
- 🔢 Related lines: Figure Lending LLC is documented using 1 number in our directory, so calls may also come from other digits.
628-236-5833 is a direct-dial number tied to San Francisco, California, which is why the call may have appeared "local" on your caller ID even though Figure Lending LLC operates out of Reno, NV.
Some carriers display 628-236-5833 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Figure Lending LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as: Figure Lending LLC, Figure.
Why Is Figure Lending LLC Calling Me From 628-236-5833?
In our directory, 628-236-5833 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2099898-dca on file, address of record in charlotte, nc for Figure Lending LLC, which typically collects home equity line of credit (heloc) debt, personal loan debt. A call from 628-236-5833 usually happens because:
- ✅ An original account (a home equity line of credit (heloc) debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Figure Lending LLC to collect on behalf of the original creditor.
- ✅ Figure Lending LLC is now dialing you from 628-236-5833 and possibly other lines to reach a resolution.
Calls from 628-236-5833 often come right after a billing cycle closes. Some people report that 628-236-5833 calls once and hangs up, then tries again from a different Figure Lending LLC line hours later. A single missed call is not proof of a valid debt. When 628-236-5833 shows up on your caller ID, it is worth checking whether the Figure Lending LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Figure Lending LLC prove the home equity line of credit (heloc) debt in writing first.
Important: a phone call — even from a real number like 628-236-5833 — does not prove you owe the debt, that the amount is correct, or that Figure Lending LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 628-236-5833
Anything you say to Figure Lending LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 628-236-5833 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 Figure Lending LLC.
Don't agree to a payment on the spot
A single payment to Figure Lending LLC — 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 628-236-5833.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 628-236-5833. Any legitimate Figure Lending LLC 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 628-236-5833 caller. If it truly is your Figure Lending LLC account, they should already have what they need and must prove it.
What To Do If 628-236-5833 Keeps Calling
Here are concrete next steps for this specific Figure Lending LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 628-236-5833 as a contact labeled "Figure Lending LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 628-236-5833 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Figure Lending LLC identify the original creditor behind the 628-236-5833 calls and the date the debt was opened.
Your Rights When Figure Lending LLC Calls From 628-236-5833
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 Figure Lending LLC 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 Figure Lending LLC 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 628-236-5833: 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 Figure Lending LLC 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, Figure Lending LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Figure Lending LLC 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 628-236-5833
We investigate the specific Figure Lending LLC 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 Figure Lending LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Figure Lending LLC. 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.
628-236-5833 — Frequently Asked Questions
Who is calling me from 628-236-5833?
628-236-5833 is a direct-dial line associated with Figure Lending LLC (also seen as Figure Lending LLC), a third-party collection agency headquartered in Reno, NV. The number resolves to San Francisco, California. If you received a call from 628-236-5833 — often showing the last four digits 5833 on your screen — it is very likely Figure Lending LLC attempting to reach you about a debt they say you owe, most often home equity line of credit (heloc) debt, personal loan debt.
Is 628-236-5833 a scam number?
Figure Lending LLC is a real, registered company, and 628-236-5833 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Figure Lending LLC, 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 628-236-5833?
You are not legally required to answer 628-236-5833 or call Figure Lending LLC 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, Figure Lending LLC must pause collection until it mails you proof of the debt.
Why is Figure Lending LLC calling me about home equity line of credit (heloc) debt?
A call from 628-236-5833 usually means an original home equity line of credit (heloc) debt went unpaid and was placed with Figure Lending LLC, 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 Figure Lending LLC from calling 628-236-5833?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Figure Lending LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 628-236-5833 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Figure Lending LLC is calling about?
Do not pay anything based on a call from 628-236-5833 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.
More About Figure Lending LLC
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