capital one...worst card you could ever want. on sept 6, 2006, a nice lady phoned me and asked if I was able to make a $188.00 payment. I said yes but not until payday, which is on the 19th. she said fine, put it in her computer and said that would be good. 1/2 hour later, a very rude lady phones me about the same thing and asked if I had planned on making that payment? I said yes and it was already in the computer system.now, sept 7th, this very rude and ignorant ladies phones me and tells me that no, that won't work because the 19th is so far away. I told her to check her computer and see that I have already agreed to and plan to make the payment on the 19th. she got very rude and told me that in the future maybe I should just pay my bills.I was once told that credit card companies are only allowed by law to phone you once a week. is there some kind of action I can take against them ? legal or otherwise? thank you and I hope someone out there can help me out
A bill collecter may contact you in reguards to your account at any time. When you speak to a collector and you advise them of when a payment will be made and it is accepted keep a list. Record who you spoke to, what time it was and get a number from them, preferably to their direct line or their extension number. In the meantime i would phone Capital One to verify your payment date is in fact listed in the computer and that this is indeed acceptable and ask not to be called until the 19th, unless it's to verify you will be paying on that date. Most companies like to know you're going to pay, espically when you DO pay, and they have no problems allowing an extension if you've proved to be a good customer.
I have no idea if they're allowed to call once per week but i believe you have been given incorrect information. I used to work for a telemarketer, if we got no answer on the phone we simply hit a button and their name was put back into the database to be called again. If the person said no, they would probably be put back in the database again. I have received daily, or multiple calls per day from a particularily agressive bill collection agency before and this is what i base my answer on, however i can't advise as to how often they can call nor could i find this information anywhere right off hand.
I would not call 2 phone calls in 2 days harrassment. If they continue to call daily i would begin to call that harrassment and I would ask to speak to a supervisor, but i highly suggest calling Capital One, asking to speak to a supervisor int he collection department and going from there.
When they call, hang up on them, you "don't" have to talk to them. If they can be rude, so can you. When you ar paying your bills, they don't have the right to harass you!
do what oneheartnow said to do sue them or hang up