800-955-6600

Weird how this goes all the way back to 2007. I'm getting the calls too, twice a day - it really is disturbing

A "Karen" called my cellphone number asking for "Latty Katz."  I did not give her my name.  She said she was from Capital One Financing.  I checked with Capital One customer service, and 1-800-955-6600 is NOT a Capital One number - most likely it is fraudulent.  

Don't give any information to them - but ask for information from the caller.  Give them a hard time.

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

The call I got was from Africa and this is a scam.  He got confused and gave it away.  The caller said he was calling about my Capital One card - I don't have one.  He kept talking and he told me I was past due with my payment and that he could take a payment over the phone and it is a free service.  Then - he said the money would be paid directly to JP Morgan!!  Oh buddy, keep your story straight.  It is just a Nigerian phishing scam.  BEWARE!!!  I should have played along longer to see how far he would take it.  I can only guess if he would have asked me to confirm my identity by giving away all kinds of personal information.  The criminals are very well trained.

Just got home and this number was on my caller id no less than 7 times f or today only!!!!  No messages, just that caller id.  Caller id said "Signet Bank-VA"  when I tried to look them up online, all I got was nowhere.  This is the only site I got results from.

Actually, that may be true, but for most of us, we are NOT Capital One cardholders!!! I've gotten hundreds of calls from this number on my WORK cell phone, which has changed numbers twice in the last 6 months. I'm required by my job to answer my phone. I always answer, and it's always the same heavy accent asking for a different person. Each time, I ask to be removed from the list, and the guy goes through this whole speech about how I won't get any more calls, and if I do, to call the number back and let them know. The fact of the matter is, I'm not Jose, or Richard, or William... I'm a female, so every time I tell them to remove my number from their database, it doesn't seem to actually happen. I certainly don't have work time dedicated to sitting on the phone with these people to keep explaining this to them.

ASHLEY: IF YOU DON'T HAVE PROBLEMS ,ARE YOU NOSEY OR DON'T YOU HAVE A LIFE IF THIS WHAT YOU DO FOR FUN!!!!!!!!!!!!  THIS NOT HIS # IT IS MINE AND THEY ARE LOOKING FOR ME AND I FILED 2MONTHS AGO.THESE BANKS THINK THERE SO SMART BOA TOOK MONEY FROM MY IRA WHICH IS AGANIST THE LAW WHEN YOUR DEALING WITH SOME ONE ON SS..

These nuts are calling my cell phone, asking for folks I do not know, how do I STOP THEM?

Starting to receive many calls from this number.  Do not have a credit card or bill of any kind.  I never answer the call, but it is very annoying.

ive gotten a call from this number and 866 929 5306 both are for capital one. they call around 930 am. i dont have a capital one card or even a credit card. it rings once then they hang up. i have a ringback tone on my phone so that might have something to do with it since there automated dialing.

These people are at it again.  Along with 866-381-0453.  Capital One confirms they are NOT Capital One numbers.  These people are thieves trying to steal your credit card information.  I say we turn the tables on them.

Ashley doesn't work for Capital One.  She's just trying to steal your credit card information.  I've gotten her about five times when I've called back 866-381-0453 (the other number they alternate with 800-955-6600).  I've verified with Capital One that neither of these numbers belongs to them and that no one from Capital One has called me.  Tell Ashley that she doesn't work for Capital One.  Go to www.donotcall.gov and file a complaint.  Maybe we can get these jerks shut down.  I'm sorry they're harassing you when it seems like you already have a lot on your plate to deal with.  I feel your anger.  They woke me up at 8:00 on a Sunday morning-- the only day I can get 8 hours of sleep before working yet another 60+ hour work week.  I'm too tired and cranky to do all the things I need to do, so I'm on a crusade to shut these people down.  Join me if you'd like.

its capitalone, pay your bill

I called.  Got a 'representative' and they wanted me to put my 14 year old daughter on the line for HER to give them permission to remove her # from their database!!!!  OMG...REALLY????  Are you kidding me?  #1 she's 14.  #2 she's in school.  #3 she's not old enough to even have a credit card #4 she's a minor and I will under NO circumstance put her on the phone with Capital 1.  I can't believe they even mentioned that as a possibility!!!

So I talked to a manager and got it removed, so they say.  Of course it'll take up to 30 days to process and within those 30 days she could still receive calls from them.  NEVER will I get a Capital 1 credit card!

Get a phone on your desk.

Capitol One idiots !

Be careful...I got message from a Linda who says she is with Capital One and wants to discuss job opportunities with me.  When you call back, recording asks for your credit card number and if you dont enter it, they ask for your social security number.  Think this is a scam.  If not, Capital One is freaking stupid.

Never had capital one. They called my house, looking for someone else, would not tell me what dept they were. Very rude! Kept wanting me to tell them if it was a new number. Then today when I called the 1800 number, it asked first for an account number, then for my social. Not appropriate. Asked for the supervisor, who admitted when I asked if this was collecctions. Going to get in touch with Capital one!

Capital One - calls comes in uner number 813-274-1837 and is a recording from "linda" and asks you to call 800-955-6600. Get 8-12 calls a day starting at 7:30 in the morning and will continue until almost 9PM at night - monday through Sunday. It has been going on now for almost 2 weeks. This is also the thrid time this year there has been a similar blitz from Capital one using the sames numbers and same recording..

Bad business, irrating, a waste of money on their part - would love to know how to get rid of them. Have also been getting additional calls from Capital under 804-217-7156- where a live person is actually answering but as soon as you pick up - they stutter, surprised that some one answered and then say they will call you back. 8

It's Capital One.  You can send a letter for them to not call, but they do it anyway.  I've been getting 6-8 calls a day on both my cell phone and my home phone, as well.  I just got my first call today.  I've sent a letter to stop the calls, they don't honor it.  When the 6-8 calls aren't dealt with, they send letters informing me that my credit is ruined.  I even hired an attorney to stop the calls and they don't pay any attention even with an attorney's input.