8009556600

I actually just got somebody on the phone under this number after not responding to all the credit card and SSN questions. They claim to be a Capital One call center in India and they apologized for all the calls.  He asked for our phone number and promised me that they take us off the list.  I don't believe it, but it is a first step towards stopping them.  I wrote also an email to Capital One (abuse@capitalone.com) warning them that there will be legal action if they don't stop this.

I have been unemployed for over 9 months and have been looking. I got behind in my payments and tried to pay what I could. It was never enough for them. Even after paying $100 that they agreed to, the very next week, they were calling several times a day demanding to know when the next payment would be sent in. They don't care if a person eats, has a place to live, heat, or anything. All they care about is getting their money. Greedy SOBS.

Got 4 calls from them in 2 hours!!! Called them back, said they would take care of taking my number out... I hope

I get calls from this number every single day of the week (even Sundays!). They start calling around 6:00am and go non-stop through the day. Today is Monday and it's 9:45am and they have already called 5 times this morning. When I answer I hold down a number button and let the loud tone just go until they hang up. I HAVE NO CAPITAL ONE ACCOUNT, NEVER HAVE. Why would they call us? This is our business number.

They just call me this morning, from 1-800-955-7070 and 1-800-955-6600. Two times, no one talk when pick up the phone. I have no balance in my account. I think there is a possibility that people use ID trick or something. That will be terrible. I have register my phone number with national no call list (https://www.donotcall.gov/). Hope it will help.

Hi, I am a collections agent for Capital One. I thought I'd share some information with you to try and help you out. I apologize for a long message, but I'm going to try and cover all of the bases to try and help you out.

1-800-955-6600 is our collections department. If you are getting phone calls from this number, it is very important that you do answer. Trust me, if you think you don't want me calling you, it's the same on the other end - I dont want to be calling you either. ...I digress... If you're getting a call, it's be cause:
a) Your account is past due
b) Your account is over the credit limit
c) Someone that had your number previously is in situation A or B

PLEASE, don't just hang-up. Even though we are collections (and obviously our job is to collect on these accounts, we do have different options we can use to work with you.) We're not calling to offer a solicitation or anything.

Most fraudulent charges on the account are discovered by customers when we call them. So, don't just hang up - listen and try and work with us. If your card was at a zero balance (or so you thought), it may have been that either you didn't pay it off to completely zero (low balance remaining on account), or your CapOne annual/monthly membership fee posted to the account.

PAST DUE ACCOUNTS
-I highly recommend you listen to the agent and try and take advantage of what they have to offer you. If they can split payments up, split them up. We will do our best to waive fees whenever we can, but sometimes it isn't always possible
-When we tell you that $xx is due when we call, that number includes: current past due amounts + fees incurred on the account + next minimum pymt due
-Remember, every DUE DATE you pass, it's $39.00 in past-due fees
-Every 30 days your account is reported to the credit bureaus (they report whether the account is in Good Standing, Past Due or Over Limit). Ask the agent when the CYCLE DATE is (that's the reporting date) and do your best to get payment in by then to avoid fees.


OVERLIMIT ACCOUNTS
-Again, take advantage of any offer you’re offered. Split up payments, or whatever you need to do to get back under your limit.
-The amount they tell you to pay will get you ONLY back to your credit limit. Next month, when you get your statement, you’ll be back over your limit again. (And hit with yet another $39.00 in over-limit fees) To avoid this, you need to make sure they calculate it for you. Make sure that your OVERLIMIT AMOUNT, MINIMUM PAYMENT, PAYMENT PROTECTION (If applicable), AUTO BILLINGS (AOL, Internet Service, Cable, etc.) AND FINANCE CHARGES are added. – If you ask about it, they’ll know what you mean (and should be able to calculate for you).
-DO NOT MAKE A SMALL PAYMENT. Making a $50 payment every month isn’t going to get you  anywhere if you’re $300 over the limit. We add $78 in fees for every month you’re over-limit and you go past due. Beg, borrow, steal, whatever you have to do to get this paid off, do it. CapOne will charge you interest… your friends and family wont. (And they won’t give you fees either!)
-Overlimit accounts are also reported every 30 days to the credit bureaus.


REQUEST TO STOP CALLING
This is one that a lot of people don’t understand.

-IF YOU ARE A CAPITAL ONE CUSTOMER: You cannot just request by phone to have us stop calling. You must submit a written request, you can find the general correspondence address on CapOne’s site. You’ll need to include your name, credit card #, date of birth and your social. Sign and date it, and you’re good to go! This does take up to 30 days to process, so please be patient!

*Note: If you have more than 1 account, you must submit a request for EACH individual account as a SEPARATE letter.

-IF YOU ARE NOT A CUSTOMER: Give the agent your first and last name. Tell them that you don’t have an account, and explain the situation (you just got a new number, etc.) Tell them it is a wrong number. – Assuming that the agent complies with your request, they can mark the call as “Wrong Number”.  After that, we typically call back 3-4 more times, and if you tell them the same situation every time and they mark it as wrong #, you’ll be removed from the dialer within 72 hours or so.



SWEARING AT THE AGENT – UNDERSTAND OUR SITUATION, TOO
Please, don’t swear or get angry with the agent. Trust me, we don’t want to be calling you – we’re just doing our jobs. I can tell you with all honesty that we want to work with you and help you. Just give us a break and let us try and work something out. If that means we need to get you in touch with a different department, bear with us.

Every agent I work with is a hard-working individual, most of us are students trying to make ends meet so we can afford to go to school, we have single mothers, people with disabilities… every scenario you can think of; we have. And don’t think that we’re well-paid and have nice cushy jobs because we work for CapOne… we get paid minimum wage.

Please, be polite.


I HAVE AN ATTORNEY
Even if you have an attorney, and even if your attorney tells you not to say anything, or they tell you to just “give them my number” that won’t resolve anything.

If you’re filing for bankruptcy:
Tell us right away, we’ll get your account documented properly (with the attourney/court name, address, phone number) and the calls will cease.

If your attorney is trying to get a settlement:
You will have to send in a power of attorney request. Ask the agent for information about that. If your attourney already sent one in, be patient… it sometimes takes up to 30 days to process (assuming everything is correct and the proper verification is included)

**Don’t just say “Call my attorney”, or “I can’t tell you”. All you need to do is tell us your situation and we can make sure we do the right thing on our end.



DEBT MANAGEMENT
First off, if you’re using a debt management agency – do your homework. Countless times, I’ve had customers say “I’ve been paying them $150/month for the last 3 months”, meanwhile we haven’t received a dime. Be cautious of any agencies that ask you to not speak with us. There are a lot of scams when it comes to these agencies. In the end, you’re sometimes better off to work a solution out with us. (Trust me!)

If you have decided to use one of these agencies, they will have to send us a proposal. Assuming that everything goes through, it typically takes 30-60 days to go through. If it doesn’t go through (payment too low, not frequent enough, not received) it’ll take longer. It isn’t just a matter of them sending it, we have to approve it first.

Remember, that while the proposal is going through, the account is still going to be past due/overlimit. You WILL continue to receive the fees, and the account will be reported to the credit bureaus. If you’re only say, 29 days past due, ask what the oldest past due amount owing is. (We call it “Oldest Bucket Amount”). If you make this, it will take care of the 29 day delinquency and avoid the negative reporting to the credit bureaus. Sometimes, (if the account is eligible) we can waive $30.00 in fees if you make that “Oldest Bucket Amount”.



YOUR SITUATION
Make sure you tell us your full situation. Whether you’ve lost your job, your mother died, you’re loosing your house, your house caught on fire, whatever… We have other departments that are able to help you out better depending on your situation. Don’t be embarrassed or afraid to tell us, no matter what the circumstance. We hear hundreds of people’s situations every day… and you’d be surprised how many of them are the same – and how many people we can help!

SUPERVISORS
This is a frustrating one for us, we call for you, and you ask to speak with a supervisor. We are required to have a supervisor take the call, but before they will do that – we need to find out what your concern is, and see if we can try and work this out ourselves.

Sometimes our floor supervisor isn’t available (the actual supervisor at our site) and we will need to transfer you to an account supervisor. If that’s the case, be patient… we will try and help you out as quickly as possible.



Hopefully I have helped answer some questions, and have helped avoid some phone calls. :) All the best, and good luck everyone.

In response to the collections agent here. You have to be clinically insane if you think you're owed some sort of leniency here. Especially considering the predatory lender that employs you offers none to average people who are strugging mightily here. I might add that Christmas is coming and people would like to be able to provide for their families, or simply eat. When given that choice, I can promise you that the priority is families over paying the obnoxious usury fees that the scumbag company that you work for charges. The gall that you present here in thinking you're owed some sort of path to an easier experience while you harass (in the legal sense) hardworking people by calling them 6-10 times a day is stunning in its breadth. You are owed NOTHING. My suggestion to you would be to check your own morality and consider another line of work.

OMG! "Whats in your wallet?" LOL!

i get it very often. its annoying. i just dont pick up anymore because no one is on the other line.

This number is also driving me crazy!  I am getting 5-10 calls almost every day.  I have confirmed this is not my card.  I pulled a credit report last night and have no cards with balances on them and I do not have the card they are referring to.  I contacted Capital One but they don't seem to know what to do!

This 8000-955-6600 is a scam. They keep asking your SSN.

They keep asking me from this morning. I don't have any balance on my account. I didn't have any mail from capital one about the balance. I try to call back. They ask my credit card number first and then my SSN. Maybe they just try to get my information. I don't know how to stop me from calling me again and again. They just call this early morning at 6:13am. They call my every three hours every day. I don't think any company should call anyone this early. So I just use my phone to call them back; keep them busy. If they keep calling me, I'll also call them back too. Do not answer their phone, do not talk to talk. I'll just do the way they do to me.

I have rec. phone calls for about a year from 800-955-6600 asking for Tamio or
Camio. I have told them they do not have this number any more. They still keep calling. Can't we get a class action suit aginst them to stop all of these calls?

LOL most of you people crack me up. To the guy who responded to the collections agent. Perhaps if you hadnt racked up so much debt and paid your bill in a responsible fashion, these people wouldn't be bothering you. Ive lost my job in the past, and you know what Ive done? Whatever is possible to pay my bills and feed my family. Worked 2 or 3 jobs to meet my obligations. When you took out your credit card, YOU ENTERED INTO AN AGREEMENT TO PAY. Pay the damn bill, people! Our economy is in such bad shape because of people like you who think you're entitled to do whatever you want. "I am overdue and these people have the nerve to call me! I cant believe this! Blasphemy!"

Weird thing is that I called the number and it is Capital One. But they have my dad's number and my dad never had a credit card or credit history in the US. I called them about it and they seemed confused.

To anon above, what is your advice to those of us who have never had an account with these people, but get calls from them every four hours or so?

My advice...check your credit report right away.

Well anon, while that "advice" may be good for you, it certainly doesn't help anyone else here. Your smug attitude is selfish and ignorant. Can I assume that while you were out obtaining those three jobs and had a late payment (because you and I know that's why you're here), you were perfectly OK with Capital One jacking your interest rate up to 30% and charging exorbitant late fees, essentially putting people in debtors prison and making it so the minimum payment can't be made anymore? In some cases, even if you were late on another bill, they'll raise the interest rate to 30%. General Default gave these bloodsuckers free reign to do whatever they want. For a lot of people, it's paying your bills OR feeding your family. When faced with that prospect, which do you choose? Also, don't presume to think you know people's situations. Plus, your I'm OK so screw everybody else attitude is offensive, especially considering the current state of the economy. Most people couldn't work 3 jobs if they wanted to. Since there are millions and millions of people out there in the exact situation I described, you must be laughing your ass off.

I get atleast 3 calls a day for the past month and a half! Also No one is one the line and they leave a blank message! ARG!!!

"To anon above, what is your advice to those of us who have never had an account with these people, but get calls from them every four hours or so?"

How our system works is that a list of numbers is loaded into our computer system at the beginning of everyday. If we call your number and we leave no message, we don't obtain any information or speak with someone on the account we call back later.

If we speak with you, leave a message (call CapOne back, etc.) we will not call until at least the next day.

As we speak with people, leave messages, etc. numbers are taken out of the dialer. If you're trying to avoid us, pick up the phone let them say Capital One and then hang up. That counts as our call for the day (under the FDCPA). If we just say "we'll call back", we can keep calling until we get the correct party.

So to you, the best advice is to either: answer the phone and have them mark as wrong number, or call us 1-800-955-6600 and have the agent get your number taken out. In either case, it can take up to 72 hours for that to update. If you continue getting calls, answer and let them know the situation. We'll mark as wrong number and that'll get you off the list sooner.