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negative

(619) 937-3483

Credit Card

RoboKiller users have reported receiving spam
calls from this number

Negative

User reputation

Blocked

Robokiller status

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Analytics

last call

4 hours ago

Last call

total calls

1,925,283

Total calls

report

1,281

User reports

Call transcript

nobody is available to take your call at the moment

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Comments 40

The comments below are user submitted reports by third parties and are not endorsed by Robokiller

Mission Lane Credit Card.

November 23, 2025

block
Debt Collector

### Analysis of the RoboKiller Lookup Page for 619-937-3483 The page at https://lookup.robokiller.com/p/619-937-3483 (as of late 2025) shows the following key details: - **Spam Risk Level**: Negative (low/no objective risk based on RoboKiller's algorithm) - **User Reputation**: Negative - **Identified As / Caller Type**: "Credit Card" (some cached references specify "Mission Lane Credit Card") - **Spam Categories**: General spam calls - **Statistics**: Nearly 1.9 million total calls tracked, 1,279 user reports, 38 comments - **RoboKiller Status**: Blocked by default - **Recent Activity**: Calls as recent as minutes ago; one voicemail transcript: "nobody is available to take your call at the moment" (classic queue/hold message) - **User Comments**: Sparse and unhelpful (e.g., "Scam", random characters); no detailed transcripts of actual call content. The page flags it as spam and blocks it, while simultaneously rating the objective risk as "Negative" — creating mixed signals. ### Where the Page Is Misleading or Could Be Improved (Red Pen Critique) <span style="color:red"><strong>Inconsistent and overly aggressive classification: Low objective risk ("Negative") but default blocked + negative user reputation based purely on crowd anger.</strong></span> This is **not** a scam number. 619-937-3483 is a **legitimate outbound calling number used by Mission Lane LLC**, a real FDIC-insured online credit card issuer (similar to Credit One, Capital One's subprime arm, or Upgrade). They use it primarily for **delinquent account collections, payment reminders, and account servicing** on their Visa credit cards. Evidence of legitimacy: - Mission Lane is a legitimate financial company (missionlane.com), spun out from LendUp, and partners with banks like Transportation Alliance Bank. - The number is consistently identified across consumer sites (YouMail, Truecaller, 800notes, Nomorobo, Whitepages) as belonging to Mission Lane for credit card-related calls — often automated reminders or collections on past-due accounts. - High call volume (1.9M+ tracked) and frequent complaints match the pattern of aggressive (but legal) internal debt collection by subprime lenders — not fraud. - The voicemail transcript ("nobody is available...") is a standard hold-queue message used when their auto-dialer transfers to a live agent who isn't immediately free. <span style="color:red"><strong>Why the flood of negative reports and "scam" accusations?</strong></span> - Mission Lane targets subprime borrowers; accounts frequently go delinquent → heavy automated calling (sometimes multiple times daily). - Caller ID often shows "San Diego CA" or generic info with no clear company name. - Many recipients have Mission Lane cards but forget/dispute the debt, or the number reaches previous owners (recycled phones). - Aggressive dialing + poor customer service = widespread mislabeling as "scam" on crowd-sourced sites, even though Mission Lane is collecting their own debt (not a third-party collector). <span style="color:red"><strong>RoboKiller's handling is contradictory and unhelpful.</strong></span> Showing "Negative" risk (correct — it's not fraudulent) while default-blocking and letting user reputation dominate creates confusion. This is very similar to the Northland Group/Capital One example: legitimate (if annoying) debt collection gets treated like high-risk fraud because angry users downvote it. <span style="color:red"><strong>Recommended improvements for the page:</strong></span> 1. Update primary identification to: "Mission Lane Credit Card (Legitimate creditor collections/reminders)" 2. Change default status from Blocked to Allowed (or at least "Monitor") and raise objective risk only if evidence of actual fraud emerges. 3. Add prominent context box: "This is Mission Lane's official outbound number for credit card account servicing and payment reminders. Calls are not scams but may be persistent if an account is past due. Log in at missionlane.com or call the number on the back of your card (800-441-6665) to verify." 4. Include FDCPA-like note (even though internal collectors aren't fully covered): "If you believe calls are harassing or erroneous, you can send a written cease-communication request or dispute the debt." 5. Downweight generic "Scam" comments; surface more accurate ones (e.g., "Mission Lane credit card"). In summary, RoboKiller gets the objective risk roughly right ("Negative") but <span style="color:red"><strong>lets crowd hysteria override facts</strong></span>, leading to unnecessary blocking of a real creditor's calls. If you're receiving calls from 619-937-3483 and don't have a Mission Lane card, it's likely for a previous owner of your number — log in or call them to opt out/remove it. Never give info over the phone; verify through official channels first.

November 20, 2025

Financial Service
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