Constant calls from 800-955-7070?
Sue the Caller!

Is Capital One Calling You from 800-955-7070?

Noticed 800-955-7070 on your caller ID? Capital One could be contacting you as a first-party creditor. Even if Capital One is exempt from federal debt collection laws, your state might limit what they're allowed to do.

Know Your Rights - State Protections

Consumer protections differ by state. Here's what Capital One needs to follow depending on where you live:

• California: Prohibits threats, false claims, and third-party disclosures.
• Florida: Lets you stop collection calls with a written request.
• Massachusetts: Limits personal collection calls to two per week.
• Michigan: Bans calls outside 8 a.m.- 9 p.m. or at work if you've objected.
• Pennsylvania: Disallows multiple calls for the same debt and false representations.
• Texas: Forbids calls outside legal hours and to workplaces that prohibit them.

What You Can Do If 800-955-7070 Calls Continue

Here's how to respond if Capital One keeps calling from 800-955-7070 despite your concerns:

• Ask for written verification to confirm what you owe and to whom.
• Log each call with dates, times, and summaries to document the activity.
• Report violations to your state's attorney general or consumer protection agency.
• Consult a lawyer if the calls feel threatening, excessive, or misleading.

Call Lemberg Law for a Free Consultation

Ready to take action? Know your rights and contact Lemberg Law. Your consultation is free, and you won't pay unless we win.