Constant calls from 800-946-0332?
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Getting Calls from Capital One at 800-946-0332?

Capital One may be calling from 800-946-0332 to discuss a financial matter. As a first-party creditor, they collect their own debts and don't fall under the Fair Debt Collection Practices Act (FDCPA). However, many state laws still offer protection from unfair contact.

State-by-State Rules for First-Party Creditors

Different states have different rules. Here are some laws that could limit how Capital One may contact you:

• California: Creditors can't make false threats or contact unauthorized third parties.
• Florida: You can stop collection calls by submitting a written request.
• Massachusetts: Personal numbers can receive no more than two calls per week.
• Michigan: Calls must occur between 8 a.m. and 9 p.m. and not reach your job if you object.
• Pennsylvania: Collectors may not call repeatedly about the same debt or mislead you.
• Texas: Calls outside legal hours or to restricted workplaces violate state law.

Steps You Can Take If 800-946-0332 Keeps Calling

Here's how to respond if Capital One keeps calling from 800-946-0332:

• Request written proof of the debt to confirm its validity.
• Document every call, including when it happened and what was said.
• Report issues to your state's consumer protection agency if necessary.
• Talk to a consumer attorney if the communication feels excessive or aggressive.

Call Lemberg Law for a Free Consultation

If you believe that calls from 800-946-0332 are pushing boundaries, Lemberg Law is here to help. We offer free consultations, and you won't pay unless we win. Don't let unwanted contact take over your day-reach out today.