800-684-8429

It is a violation of F.D.C.P.A to repeatedly call consumers who do owe on a debt, and when a collection agency violates that law that collection agency can be fine up to $1000 per incident. It's called harassment!! And there are laws against this...Read up on it!!!

Hello everybody...i have lots of 1800 numbers calling me ever since i stopped paying my credit cards...and started a debt settelment process. If you are in the same situation what you can do is write a Cease and Desist letter (you can find an exemple here http://www.lawdepot.com/contracts/cease-and-d ... esist%20letters|6952913063)  to each one of the the credit card company that you stopped paying and by law they have to stop calling. If they call again a week after you sent the letter answer and tell them you sent a cease and desist and they can't call your number anymore other way they'll get a big lawsuit. If they don't stop you have a winning lawsuit.
If you don't have credit card debt and they are calling you...i am not sure what you should do...
I use national credit assistance for debt settelment and they can help....but you can also try it yourself.
Hope this helps people!

Got a call this AM, asked for my husband, I said who is calling, he said Tom, I asked who are you with, he just kept on asking for my husband and wouldnt say who he is with or what this is about. I hung up on him.

I called and it turns out my number was someone elses from the year 2006 when I didn't have it. The lady spoke perfect English and took my number off of there. All you have to do is tell them you don't have an account number and give them your phone number.

Then they'll ask for your first and last name(no biggie, it's already in the phone book). After you deny that, they'll mark the number on their list.. I'd suggest trying at about 6:30 at night, that's when I got someone that spoke English. Your first account number you have to enter can be a string of however many random numbers they ask for.

800-684-8429, calls several times a day, leaves no message.

I kept getting calls to and so I finally called the 800 # back and got an automated response saying they have identified my acct # based on the # I was calling from (the one they keep calling) and it also told me the last 4 of the acct holders SS# and said if i wasn't that person to hang up. I didn't & pressed 0 like 2 or 3 times and got a live person and explained to them that I wasn't who they were looking for (and i wasn't cuz my last 4 weren't the ones listed they had) and told them to cease calling me ASAP or I would report them to National Do not call and debtor complaints because I have the logs on caller id as to when and how many times they called me. They apologized and said they would take my # out. We will see though....

oh what fun you are having. LOL. Thanks for the great idea....:)

My mom had credit cards and that is how we survived when growing up, same with some of mine.  We used them to pay for electric, gasoline, groceries, etc.  We would have used them to pay for heat too, but the stupid place we rented from included heat with the rent and you couldn't use a credit card.  We struggled through, not poor enough to get help and too poor to not struggle.  My mom did get us a few "luxury" items each Christmas, and I've bought some over the years too.  Who wants to live without ANYTHING fun or entertaining?  And when your life sucks, you have to have something to make it less bad.  Yes, some people abuse their credit cards, but there are people who do need them.  Besides, you NEED some type of credit history, and the easiest way is to get a credit card.  I couldn't get anything - not even a cell phone - because I didn't have a credit history, so my first credit card had multiple fees, but I felt it was worth it to finally establish credit.  I don't think I'd have even been able to get that if my brother wouldn't have added me to his old Sears card.

these companies are using robo calling. they're probably offshore jobbers that Romney helped create. try to ignore their calls & keep repoting them.

I continue to get calls from these people too! at least 5 a day! Is there any way to make them stop?

These people have been calling my home once about every 2 months for over 3 years! They always ask for the same person who I have never heard of. I have lived here with this number for over 8 years. They are always polite when I tell them they have the wrong number so why do they keep calling? The last time they called I asked why they kept calling for that person and was told it had something to do with an unpaid debt. They were supposed to take my number off their list. Funny thing is they just called today JUST MINUTES BEFORE the 909-917-7026 called which is a credit cards scam. Wonder if they are affiliated.

nodbarB, hope you catch my other post here. I had that same experience you did but would hesitate to give my number, name and address. They still call although the calls are spaced out. I think it is some kind of scam. if they harass your number enough they can get your personal info out of you. Just seems odd that everytime they call I coincidentally receive an obvious scam call not far behind or within 24 hours.

Well that is all depending WHY they are calling, if you have done business with them or their vendor, or given them (or a vendor they represent) permission to call, then DNC list does not apply.  

As for teens this MAY be bit more fuzzy, however I think the same rules apply or if a parent/guarden gave them permission, the exception may be if you are under 13, but not sure what happens if a parent inadvertently gives permission.

This is HSBC however HSBC/household bank was in trouble and they sold most of their credit card brands to Capital One, so it is still "HSBC" brand but it is actually now under going transition to Capital One (and now owned by them).  Apparently the will continue to license the HSBC brand name for the cards, and all the numbers will continue to remain the same however.

Big new fact though.  I know they are sending out letters to SOME customers informing them of this, but not all.  I think it is mainly affinity programs that are getting the notice.

As far as if Capital One is Better or Worse than the "orginal" hsbc/household bank, not sure, but as a rule seems that those brands that advertise a lot or use mass media tend to be lower rated in customer satisfaction, and never heard anything particularly good about Capital One

This is HSBC however a couple things you should know, this is one of their many white label numbers.  This means that if you own one of a 100 different credit cards or store credit cards , it is still under HSBC, even if you never heard the name before.

ALSO HSBC/household bank was in trouble and they sold many of their credit card brands to Capital One, they are going to use the  "HSBC" brand apparently, but it is actually now under going transition to Capital One (and now owned by them).  Apparently the will continue to license the HSBC brand name for the cards, and all the numbers will continue to remain the same however.  If you have an affinity card like a branded card or one of 100's of store credit cards, I assume those are mostly going to Capital One too, however I know that the visa/mastercard ones are.

Big new fact though.  I know they are sending out letters to SOME customers informing them of this, but not all.  I think it is mainly affinity programs that are getting the notice.

As far as if Capital One is Better or Worse than the "orginal" hsbc/household bank, not sure, but as a rule seems that those brands that advertise a lot or use mass media tend to be lower rated in customer satisfaction, and never heard anything particularly good about Capital One

Oh, also DNC list does NOT  apply or mean anything if you are their customer, or customer of a business/vendor they represent, or if you have given them or someone they represent permission to contact you.  Or if you are a minor, that a parent also may have given permission. DNC registry list no longer applies in any of those cases.  

Truth is DNC list doesn't stop most calls as those calling now adays have some form of business relationship with you, even if you don't know it.

DNC list applies ONLY applies to cold calling, and the people that do most of those calls do so from little 3rd world countries outside the US, making them hard to reach by government hands

Here's the thing about Capital One. They say they aren't like the others with fees, but they do one thing that no other company has ever done to me. If you max the card, and it goes over the limit during the finance charge addition, they will charge you for it. If you pay the minimum (which I did when out of a job), and it remains over the limit, they will again charge the overlimit fee. The overlimit fee is often more than the minimum required payment, so a person trying to slowly pay off the card just winds up deeper in debt. I said screw them, and stopped paying and put the money toward other cards. Now they are offering to settle at 50% of the total owed, which is about what it would have been if the fees had not been tacked on. I've dealt with more expensive cards, but no one has as poor customer service and fee handling as Capital One.

Capital One has higher fees than HSBC and is more aggressive about adding them on. ON the other hand, the CO payment system was always more friendly than HSBC. If you try to pay on the due date with HSBC, they ding you for a $15 "rush" fee to avoid the late charge ($25). Capital One was always good accepting payment on the day of the due date.

We were on vacation and had a total of 57 missed calls.  Three were from other people, 54 were from this number.  They are terrible.

They call me to remind the payment due to 7/26/2012??????? What is happening? I had to request to close my account because of many illogical charges such as elite protection, which I have not want to deal but were charged for 7 times (7x11 dollars) and so on... I am stressed and just want to finish everything even though I have pay for "my peace" for a long time. Together with the First Premier bank and the Fingerhut, they are really nightmares. Do the government know anything?