How to Stop Calls from 800-955-6600 (Capital One)

You see 800-955-6600 on your phone again. Your stomach drops. Another voicemail from someone named Linda at Capital One.

The calls come every single day. Sometimes multiple times. You wonder who keeps calling and how to make it stop.

Capital One uses 800-955-6600 to reach customers about accounts. Many consumers report automated voice messages filling their answering machines daily.

When you call back, Capital One representatives often deny knowledge of the calls. Your smartphone has a blocking feature, but better solutions exist to stop calls from 8009556600 permanently.

Who Calls from 800-955-6600?

Capital One operates this number. The company offers credit cards, loans, banking, and savings accounts.

You might receive calls if you missed a payment or underpaid your bill. Sometimes Capital One calls even when you owe nothing at all.

Their collectors use various tactics to reach you:

• Automated voice messages
• Live representative calls
• Multiple daily attempts
• Calls about promotional offers

How Capital One Collection Agency Operates

Capital One Collection Agency handles overdue accounts. They must follow specific rules, but complaints suggest they often cross the line.

Capital One contact information:

15000 Capital One Dr, Richmond, VA 23238
Website: https://www.capitalone.com/
Toll free: 800-955-7070

The Better Business Bureau closed more than 10,000 complaints against Capital One in three years.

The Consumer Financial Protection Bureau reports nearly 40,000 complaints over the same period.

Common complaints include:

• Repeated harassment calls
• Claims for debts not owed
• Lack of debt documentation
• Poor communication
• Unprofessional behavior

5 Steps to Stop Calls from 800-955-6600

You have power to end these calls. Take action today with these proven strategies.

1. Tell Them to Stop Calling

The Fair Debt Collection Practices Act protects you. Answer the call and state your request clearly.

Say you do not consent to automated calls. Request placement on their no-call list immediately.

2. Send a Cease and Desist Letter

Put your request in writing. A formal letter creates legal documentation of your demand.

Keep a copy for your records. Send it by certified mail with return receipt requested.

3. Register with the National Do Not Call Registry

Visit https://www.donotcall.gov/ or call 1-888-382-1222.

If Capital One violates the Telephone Consumer Protection Act, you may qualify for compensation. Each violation can result in damages up to $1,500.

4. Report Violations Immediately

File complaints with the Federal Trade Commission. Visit https://www.ftccomplaintassistant.gov/ or call 1-877-382-4357.

The Federal Communications Commission also accepts complaints. Submit online at https://consumercomplaints.fcc.gov/hc/en-us or call 1-888-225-5322.

5. Maintain a Detailed Call Log

Document every call after sending your written request. Record the date and exact time.

Note additional information from each conversation:

• Collector names
• Creditor names
• Specific threats or statements
• Call duration
• Recording if your state allows it

Your Rights Under Federal Law

The FDCPA protects you from abusive debt collection practices. Debt collectors must follow strict guidelines when contacting you.

No Harassment or Abuse

Collectors cannot harass, oppress, or abuse you in any way. They cannot threaten violence or harm to you or anyone else.

No False or Misleading Statements

Collectors cannot lie about the amount you owe. They cannot misrepresent your legal options or pretend to be someone else.

No Calls at Inconvenient Times

Debt collectors cannot contact you before 8 a.m. or after 9 p.m. They must stop calling if you request it in writing.

No Sharing Your Information

Collectors cannot disclose your debt to others. Your employer cannot be contacted. They may only speak with your attorney or spouse.

Capital One owes you compensation if they violated these rules. Visit our guide on FDCPA violations to understand your rights.

What to Do If Capital One Sues You

Capital One may escalate collection efforts by filing a lawsuit. Ignoring a lawsuit guarantees you lose.

You must respond within the deadline stated on your summons. Most states give you 20-30 days to file an Answer.

Our partner Solo helps you prepare your legal response. The process takes about 15 minutes online.

Your Answer should address each claim in the complaint. You can raise defenses like:

• Statute of limitations expired
• Debt amount is incorrect
• You already paid the debt
• The debt belongs to someone else
• Lack of proper documentation

Filing your Answer protects your rights in court. It forces Capital One to prove their case with evidence.

Negotiate a Settlement with Capital One

You can often settle for less than you owe. Capital One may accept 40-60% of the original debt.

Start by requesting debt verification. Capital One must prove they own the debt and the amount is accurate.

Make a realistic offer based on your budget. Get any settlement agreement in writing before paying.

Our partner Solo can help you negotiate and document your settlement properly.

Block the Number as a Last Resort

Blocking 800-955-6600 stops the immediate annoyance. Most smartphones include built-in blocking features.

However, blocking doesn’t solve the underlying debt problem. Capital One can still sue you or use other numbers to call.

Use blocking alongside other strategies, not as your only solution.

Take Action Against Capital One Today

You don’t have to tolerate harassment from Capital One. Federal law gives you powerful tools to stop unwanted calls.

Start with a verbal request to stop calling. Follow up with a written cease and desist letter.

Document every violation carefully. Report illegal behavior to the FTC and FCC.

If Capital One has already sued you, respond quickly. Your Answer is your best defense in court.