888-748-4956

I get calls from this number all the time too and I live in the West Indies - never had a Capital One card!

I am a current Capitol One customer with more than one account, with all accounts in good standing, never missing a payment and always keeping my balances very low.  That's why I was surprised to get a call from Capital One Collections, and on my cell phone no less.

Instead of giving out information to these people, I called the Captial One contact number (1-800-955-7070) listed on my Capital One statement, told them I was getting calls from their collections department when my accounts are in good standing, and gave them the number, 888-748-4956.  They ran the number through their computer and verified two things - that my account was not routed to the collections department as the person on the phone suggested, and that the number was not a number used by the REAL Capital One collections department.  They suggested I file a complaint with the Better Business Bureau, and if criminal intent were suspected, with the appropriate agencies.

This comes to me directly from Capital One, that the number is not a Capital One collections phone number.  If anybody finds out who these people actually are, please let me know, but whatever you do, don't give these folks information, they're not legit.  That's the bottom line, straight from Capital One.

GC

Okay, a post a little while later.  I did some research, and found out these guys are probably a collection agency called "Allied Interstate".  I remembered the name because I got a letter from them a couple of months ago, about a T-Mobile cell phone account that was over $300 overdue.  I ignored that letter at the time because I have never done business with T-Mobile.  I just checked my credit report, and this "Allied Interstate" has been reporting me delinquent on this T-Mobile account for the last two months, from about the time I got the letter.  I'd laugh at this, but when it gets on my credit report, it's no longer a laughing matter, and I have no choice but to take immediate action.

I'm a person who really enjoys a mystery, so here's what I find interesting.  The person on the other end (after extensive conversation identifying himself as a Filipino, not an Indian as I first incorrectly, and possibly racially, profiled), identified himself with the employee number UDZ-931, and I am convinced he believes he works for Capital One.  I called Capital One again, gave them his employee ID number, finally got transferred to the collections department, and they say he does work for them, but there is nothing in the computer to indicate why he called me, it "must be a mistake with the automatic dialer". I thought the caller was illegitimate, but the lady verified the calls herself.

The lady at collections verified that the calls did come from the Capital One phone bank, though she refused to admit that the phone number was a Capital One number.  Customer Relations at Capital One does not list the number as a valid C-1 number, and Collections at Capital One won't say yea or nay.  This woman did a verbal dance around the obvious, and each time she said that Capital One worked closely with collection agencies etc, I didn't miss an opportunity in telling her that calling from Capital One and saying you were from Capital One, when in fact you are doing the business of an outside agency, violates several banking laws, not to mention rules laid out by the FCC, and Federal Trade Commission, etc.

The scoop on the internet says that this number, 888-748-4956, belongs to Allied Interstate, an independent collection agency, and Capital One has just verified that one of their employees was making collection calls for Allied Interstate on a non-Capital One debt, using Capital One equipment and services, and identifying themselves as a Capitol One employee instead of an employee of Allied Interstate at the time the call was made. I know most of you can't appreciate just how many laws have been broken here, but there are a few lawyers out there that see what I see and might be willing to do something about it.

What am I going to do?  I recorded the calls, if they can record me, I can record them.  I'm thinking Kieth Olberman, Rachel Maddow, and possibly a few political bloggers that have resources to follow up.

GC

Henceforth I'm not answering any calls originating from an 888 area code period!... let alone the number in discussion. Next time I go....'Hunting Tigerz in Indjah'...I'll make an effort to look up the clowns behind this B.S.  With this type of abuse...the companies granting this number to exist should be taken to task...THIS IS NOT FREE SPEECH!!!!!!!  IT'S CLEARLY A SCAM!!!!!!!!!!  Someone is responsible.
Hanna Bannana

I dont answer numbers I dont recognize....so Ive never answered. I googled it, and this is what came up. Great, so now Im going to have problems with unwanted phones calls too? I called the number and the immediately asked for my account number...I just hung up.

Received 2-3 calls a day, but I don't answer, so don't know who they are claiming to be.

Just this weekend August 14-16, this phone number(888-748-4956) has shown up on my caller i.d. twice. It's Sunday and they called tonight at 7pm! I called the number back and a recording picked up to leave a message, but it was NOT a business or credit card or collection agency. I don't even own a credit card! I believe it was a residence because it was a woman and she listed names of people who live? there. I am not sure what is going on, but it sounds like a scam to me.

I've been getting calls from this number for almost a month, 3-4x a day, Saturdays and Sundays as well. We got a call from this number last sunday at 7:15am. My husband was VERY upset.

After finding this website, I'm going to register this number with my AT&T U-verse call blocking service to keep the calls from coming through. Hopefully that will solve my problem.

I have never had a Capital One credit card and my Discover and Citi Cards are both in good standing. No reason for a debt collector to be calling.

I have been getting calls from this number and decided to call them back. When I called they replied "Hello we are calling you on behalf of Capital One" I called them.........lol. I told them I do not have a capital one account and asked if my bank account info would be ok......She replied "we will pull the money directly from your account"

I hung up........lol.

These idiots have already called three times today (on a Saturday, no less), and it's still the early afternoon.

Of course, as is usual with this sort of caller, they had no issue calling endlessly throughout the day yet they refuse to leave a single message on our voicemail.

Incidentally, I got a laugh out of the fact that this company is unabashedly labeled as "Telemarketing" on the caller-ID as opposed to the usual vague description like "800 Service", "Private Caller", etc.

the same thing keeps happening to me... they've called so many times but their is never any answer.... once it sounded like a baby was in the background and they just hang up... i'm sick and tired of this!

I also have been getting calls from this number, and today it finally got me irritated enough to answer.  The lady starts off telling me she is from Capital One, and that they can help me with my payments.  After letting her blabber, I interrupted, asked if this was a credit card account. She stammered, mumbled that it was.  I told her that was very interesting, since I do not have one with capital one.  The she tried to get my dob and last four, and I told her I don't give them out to people that I don't know.  She then asked if I was born in 1949 and I said "I wish", and with that, she said that they may have the wrong customer.

Calls at least 5 times a day that I know of. has called today 08 30 09, 15 times and it is only 2:20. If i answer, no one is there. I called back and they wanted a 16 digit ID number from me. I do not own a credit card through them, and if I did, wouldn't they leave a message?

We've been calls at a rate of approximately 2 to 3 times a day. When I finally did answer, the was a short ring (as is transferring) then nothing. Also calling at 8 o'clock in the freaking morning on a Sunday !!

I have been receiving these for weeks..........I do not answer, and they do not leave mg....Today(sunday). i received one and then called it back....I got a women with thick accent, and she finally said she was Allied International.?..I asked very harshly what did she want and why all the hangups etc...She said do you have Cap 1 ,? i said yes, then she wanted my act#....i laughed and am not sure of what i said.........then she said , well how can i help you if you do not give it to me.ha ha....... I googled the company name  and found it as a collection agency, but they had a different phone #.(they may just be using another partys name)....Then i called Cap 1 fraud, and they took information.......she also said to notify FBI...........Then later today, i got another, i answered and they did not respond.........Who knows what they are up to..........

several times a day,
when i answer, it is silence on the other end

This is a scam.  I received two phone calls looking for my wife saying that the company was Allied Interstate on behalf of Capital One.  They refused to tell me what it was regarding due to "legal restrictions."  I googled Allied Interstate's name and this was the first site to come up and everyone complained about this being a scam.  I then called Capital One because neither myself nor my wife has ever even applied for a Capital One card.  I spoke with someone in their fraud division who looked for accounts under our names and phone numbers and found none.  She then assured me that Capital One IS IN KNOW WAY AFFILIATED WITH ALLIED INTERSTATE and that if contacted again I should contact my state's Attorney General and or the FBI.  I called back to Allied Interstate and asked them to take me off their calling list and that if I was called again I would contact the Attorney General in our state to file an official complaint.  I have not been contacted since.

ALLIED INTERSTATE DOES NOT COLLECT ON CURRENT ACCOUNTS.
They are a JUNK DEBT buyer, and they break every state and fed FDCPA law to collect debts THAT ARE NOT OWED AND NOT LEGALLY COLLECTABLE!  



File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February 2009

calling for capital one collections many time i already verified with them but still calling 3 time today.

call several times a day, every day