I bank through 53 bank, I have a car loan through this company and my bill is due on the first with a ten day grace period. After the 2nd of the month they will call my phone starting at 8am and call every hour on the hour until they reach some one. In the state I live in a debt collector can only call 3 times in a 24 hour period. When I proceed to tell them I do not want them calling me about my loan period or any calls regarding my account they respond with we will continue all calls unless you certify mail us a cease letter which is ALSO ILLEGAL to ask for once a consumer has exercised their right to have all calls to their home and place of employment to stop. In Minnesota a consumer simply has to say Stop calling me. And the Calls are to stop immediately. Which they do not. I then told them I would seek legal council to which they replied "sir we are a bank we also have lawyers too!"