Constant calls from 800-258-9319?
Sue the Caller!

Is Capital One Calling You from 800-258-9319?

If you’ve been receiving calls from 800-258-9319, the caller may be Capital One, a major U.S. bank that issues credit cards, auto loans, and other consumer financial products.

This number has been reported as linked to Capital One account servicing or credit card debt collection, often for payment or settlement discussions.

However, like many toll-free numbers, scammers may spoof it—so verify the caller before sharing any personal information.

Even when the caller is the original creditor, state laws still protect consumers from harassment, excessive calls, and deceptive collection practices.

Know Your Rights – State-Specific Protections

Many states provide additional protections regarding debt collection calls:

California: Calls generally must occur between 8 a.m. and 9 p.m., and deceptive or abusive contact is prohibited.

Connecticut: Creditors cannot pretend to be government officials, accuse consumers of crimes related to a debt, or use calls intended to harass.

Florida: Misleading statements and repeated calls that amount to harassment are prohibited, including workplace calls if the employer does not allow them.

Maryland: The Maryland Consumer Debt Collection Act bans threatening or deceptive tactics and allows consumers to pursue damages.

Massachusetts: Limits collection calls to two calls within seven days to a personal number.

Michigan: Calls cannot occur before 8 a.m. or after 9 p.m., and workplace calls must stop if the consumer objects.

Missouri: The Missouri Merchandising Practices Act prohibits deceptive or unfair conduct related to credit or debt.

North Carolina: The North Carolina Debt Collection Act bans harassment, threats, and deceptive practices by creditors or collectors.

Pennsylvania: The Fair Credit Extension Uniformity Act restricts repeated calls and deceptive collection tactics.

Texas: Calls are limited to 8 a.m.–9 p.m., and collectors generally cannot contact you at work if the employer prohibits it.

What You Can Do

If 800-258-9319 keeps calling:

• Request written verification of the debt.
• Keep a log of every call, including date and time.
• Avoid sharing personal information unless you confirm the caller is legitimate.
• Contact a consumer rights attorney if the calls become abusive.

Call Lemberg Law for a Free Consultation

If Capital One at 800-258-9319 has been calling repeatedly or using aggressive tactics, you may have legal options.

Call Lemberg Law for a free consultation. You pay nothing unless we win. Let us help stop the calls and protect your rights.