5 Shocking Truths About 'Secure One' Calls: Why They Keep Contacting You (And The 2024 Lawsuit)

If your phone has been ringing off the hook with calls from a number identifying itself as "Secure One," you are not alone. Millions of consumers have reported receiving relentless, unsolicited, and often aggressive cold calls or robocalls from this entity, which primarily operates in the high-stakes world of debt relief and financial services. The calls are typically a form of lead generation, often starting with the promise of a loan or debt consolidation, only to pivot to a debt settlement program once you are on the line.

As of late December 2025, the controversy surrounding these calls is more intense than ever, with the company facing significant legal challenges regarding its outreach methods. Understanding who is calling you, why they are so persistent, and what legal recourse you have is the only way to effectively stop the disruption and protect your financial well-being from potential risks associated with debt settlement.

Who is Secure One Financial? The Company Profile and Controversy

The entity most frequently associated with the "Secure One calling me" complaints is Secure One Financial Inc., a financial services company specializing in debt relief and debt settlement. Based in Newport Beach, California, the company positions itself as a partner for individuals seeking to eliminate unsecured debt.

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Secure One Financial Profile Overview

• Primary Business: Debt Relief and Debt Settlement services.
• Services Offered: Debt consultation, debt settlement programs, unsecured loans, and debt consolidation services.
• Business Model: Often involves collecting money from clients and placing it into a dedicated trust account over several months, with the goal of later negotiating a lump-sum settlement with creditors.
• Consumer Perception: Highly polarized. The company holds a high average rating (e.g., 4.8/5 on Trustpilot) from some customers, but also faces numerous complaints on platforms like the Better Business Bureau (BBB) regarding aggressive marketing and unsolicited calls.
• Accreditation: BBB Accredited since April 2021.

The core of the controversy lies in the company's aggressive and persistent cold calls, which many users perceive as spam or a scam.

The 2024 TCPA Lawsuit: Why the Calls Are a Legal Risk

The high volume of unsolicited calls has led to serious legal consequences for the company. In a major development, Secure One Financial, Inc. was named as a defendant in a federal TCPA lawsuit in April 2024.

Understanding the TCPA Violation

The Telephone Consumer Protection Act (TCPA) is a federal law that restricts the use of automated telephone dialing systems (robocalls) and artificial or prerecorded voice messages.

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• The Allegation: The 2024 lawsuit alleges that Secure One Financial violated the TCPA by making unsolicited calls to consumers, likely using automated dialing technology, without the recipients' prior express consent.
• The Intent: These calls are often a form of predatory lead generation. Users report that the caller initially offers a low-interest loan or debt consolidation loan, but when the consumer is deemed ineligible, the representative immediately pivots to selling a high-fee debt settlement program.
• The Persistence: Complaints on the BBB and Reddit confirm that the calls are consistent, sometimes daily, and often continue even after a consumer explicitly requests to be placed on the company's internal Do Not Call list.

This lawsuit serves as a critical warning that even "legitimate" financial companies can face major penalties for employing illegal telemarketing tactics. This is a key reason why you should treat any unsolicited call from "Secure One" with extreme caution.

Actionable Steps to Stop the Secure One Calls Immediately

If you are being harassed by persistent calls from Secure One or any other debt relief company, you have several powerful consumer protection options at your disposal. You do not have to tolerate the disruption.

1. Invoke Your TCPA Rights (The Magic Words)

The most important thing you can do is clearly and unequivocally state your refusal to receive future calls. This creates a legal record.

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• Demand to be Added to the Internal Do Not Call List: When you answer the phone, clearly state: "I do not consent to this call. Please place my number on your company's internal Do Not Call list immediately."
• Do Not Engage: Do not confirm any personal information, even if they claim to be verifying your identity. Simply state your DNC request and hang up.
• Document Everything: Keep a log of the date, time, and phone number of every call you receive after making your DNC request. This documentation is crucial if you later decide to pursue legal action under the TCPA.

2. File Official Complaints

Formal complaints help regulatory bodies track repeat offenders and build cases for enforcement actions.

• Federal Trade Commission (FTC): File a complaint with the FTC and the Federal Communications Commission (FCC) via the National Do Not Call Registry website.
• Better Business Bureau (BBB): File a complaint on the Secure One Financial profile, detailing the date and frequency of the unsolicited cold calls.
• State Attorney General: Report the calls to your state's Attorney General's office, as many states have their own consumer protection laws against telemarketing abuse.

Alternatives to Debt Settlement: Better Financial Relief Options

The calls from Secure One are designed to push you into a debt settlement program, which, while effective for some, carries significant risks, including negative impacts on your credit score, potential tax implications on forgiven debt, and the risk of being sued by creditors during the settlement process.

Before considering any debt settlement program, explore these safer and more established alternatives for managing unsecured debt:

1. Debt Management Plan (DMP)

A DMP is facilitated by a non-profit credit counseling agency. The agency negotiates lower interest rates with your creditors, and you make one monthly payment to the agency, which then pays your creditors. This is a structured, low-risk approach to debt relief.

2. Debt Consolidation Loan

You take out a new, single loan (often at a lower interest rate) to pay off all your high-interest unsecured debts, such as credit cards. This simplifies your payments and can save you money on interest.

3. Balance Transfer Credit Card

If you have good credit, you may qualify for a balance transfer credit card that offers a 0% introductory APR for a period (e.g., 12-21 months). This allows you to pay down principal without accruing interest.

4. Self-Managed Payoff Methods

You can take control of your debt payoff using popular, self-managed strategies:

• Debt Snowball Method: Pay off your smallest debts first to build momentum and psychological wins.
• Debt Avalanche Method: Pay off your debts with the highest interest rates first to save the most money overall.

If you are being called by Secure One, remember that you are in control. Use the legal and consumer protection tools available to you to stop the calls, and always research all debt relief options thoroughly before committing to a high-risk program like debt settlement.