707-307-4222
CA, US
dounome987
dounome987
2011-08-19 21:15:43
Debt Collector
Reverse boycott. We can destroy their cost/benefit ratio by consuming their service.

When a company can repeatedly call with the intent of getting money their customers can repeatedly answer or call back with the intent of not giving them any. They need people to pay with as little talk as possible. They don't want to talk with people who know they are never going to pay. Be all talk and no pay. Answer when convenient. Call back. Give no information. Verify nothing. Ask as many questions as you can. Answer none.

Don't ignore/block/report them. It doesn't work. These folks want you to ignore them for as long as you can stand to or until you give them something valuable like money or information. Ignoring them is being their good customer. Sending a cease and desist is giving information. It lets them know you are still alive and remain their good customer. Their legal model is less vulnerable than their business model. Preparing to initiate unlikely individual legal battles is being their good customer.

Be their bad customer. Make them talk to you fruitlessly for as long as they can stand to or until they stop selecting you as their customer. These companies cannot spend seconds much less minutes on the phone with every person who will never send them a dime. But they don't know who that is. You do. That knowledge is power. Every second you can keep their staff on the phone will render their business less profitable giving them a reason to never call you again.

Calling will not reset your SOL. Making a partial payment will.

I like to ask general questions they should but usually won't answer. "May I have the name and address of your agent for service of process?" Calmly and slowly ask them to spell every word in the address. Read it back for verification. Control the pace. If they are rushing then politely ask them to slowly repeat. "Are you a corporation and if so in which state are you incorporated?" Repeat your questions when you don't get direct answers. When they won't answer a question ask, "Would you like to comply with the business and professions codes of your state?" That is usually the point when they hang up on me but if they say they want to comply then begin your questions again.

Repeat while you have the spare time. These folks have many victims and few operators. If everyone calls back but pays nothing the mass auto-dialer business model becomes unprofitable. Don't aide and comfort the enemy by ignoring them. Call! Have a nice long slow friendly chat! Make them hang up first.

Press 2 for Spanish.

For any business, customers who consume the most resources but don't pay (or otherwise add value) become the least desirable. Most businesses will stop (cease and desist) soliciting an undesirable customer. Those that don't stop remain knowingly vulnerable to the actions of their undesirable customers. Few companies can afford to let everyone take a piece of them whenever they want endlessly. For instance they must pay staff to answer everyone's telephone calls which can be placed at your convenience for the joy of it. Call and consume their operator time without paying or giving information. Be a bad customer. The worst customer. Inspire them to invoke their right to refuse you service by not soliciting you.

There are certainly enough victims with unlimited long distance to take down this company so ignoring/blocking seems downright Orwellian to me. Really? We're just going to passively submit and go with a block list or however we manage ignoring an endless stream of unwanted phone calls day after day? Hell no! Unite or remain conquered. Answer/return every call - become well practiced at keeping these folks on the phone - or count yourself not amongst the free.
E.
E.
2011-06-06 20:55:03
Unknown
Ha ha... they keep getting new numbers... I wonder why.  Probably because people are tired of them calling 8 times a day.
bada bing
bada bing
2011-06-06 20:55:03
Unknown
THIS IS CAPITOL ONE BANK FISHING FOR INFO ON PEOPLE
ignotus
ignotus
2011-06-06 20:55:03
Unknown
just had a new phone line installed with cablevision "triple play" and phone was not in more than a couple hours when this number keeps calling me at least five times a day.   no idea where they got my number and want nothing to do with them.   caller ID says Napa, CA and sometimes Capitol One.   What the f*** do these people get from calling unknowns?  

If I answer there is no one there so I hang up.  It I actually got a real person I would just put them on hold until they realized not to waste their energy.
A.M.
A.M.
2011-06-06 20:55:03
Unknown
Got a call from this number.  It was a recording that said "All of our employees are currently busy. Please hold for an important message."  Really?  You called me.  It did sound suspiciously like someone was listening on the line.
sick of this
sick of this
2011-06-06 20:55:03
Unknown
This phone number as well as 757-209-2055 keep calling me. They're on my caller id at least 15-20 times. It's NCO on behalf of Capitol One calling with "promotions". I told them to take me off their "promotion" list and the woman tells me it will take 3 days to take me off and if I get another call in the meantime tell them I've been put on the non promotional list. If it doesn't work, they can resubmit my request to be put on the "list". So I get a call this morning, 707-307-4222, I ignore it, they call right back, so I answered this time. (Once again NCO on behalf of Capitol 1) and ask for someone who I don't even know! What the heck do you have to do to get these vultures to stop calling you?????? This is absolutely ridiculous and is true harassment!!!!!! The worst part is, I've had other banks calling and hounding me asking for this same woman and I have absolutely no clue who she is. I've contacted better business bureau before, and they will be hearing from me again very soon!!!!!!
Aymay
Aymay
2011-06-06 20:55:03
Unknown
I called them back after they kept calling me then putting me on hold and hanging up. This is from Capital One wanting their money!
Tammy Hammond
Tammy Hammond
2011-06-06 20:55:03
Unknown
this number keeps calling 8-10 times a day and will not leave a message, do not know who they are or why they are calling.
John
John
2011-06-06 20:55:03
Unknown
I did not answer
Allison
Allison
2011-06-06 20:55:03
Unknown
Receive calls from this number and several other numbers at list 3 or 4 times a day!  Stop calling!!!!!!!
Fed up 2
Fed up 2
2011-06-06 20:55:03
Unknown
Well they blow up my cell phone for money that I have been paying them, yet they want to try to be an irritant about their money. Ok, once I pay the bastards off I pray they continue. I've written NCO financial before and sent it certified receipt each time. Then contact a consumer lawyer in your state to file a harassment lawsuit against the bastards. Then they will see what it is like to be harassed. I've sent several out. Don't mind doing it again.   Make sure to track and log each time they call from a different number. It seems that Capital One wouldn't mind having another class action lawsuit filled against them again anyways.
Greens
Greens
2011-05-09 14:02:49
Unknown
This call keeps coming to me sometimes waking me up early in the morning. The name shows up as NCO orNCO FIN SUC with a different telephone number. I do not have any debts if ths is what one calls debt collectors. So what I'm thinking these may be those scam harassment collectors calls to older people trying to scare them into sending money. I don't scare that easily and I don't answer the telephone or call back. I figure since the person can't leave a message then he or she are imposters.
Fed up 2
Fed up 2
2011-03-18 21:41:16
Debt Collector
Well they blow up my cell phone for money that I have been paying them, yet they want to try to be an irritant about their money. Ok, once I pay the b*****ds off I pray they continue. I've written NCO financial before and sent it certified receipt each time. Then contact a consumer lawyer in your state to file a harassment lawsuit against the b*****ds. Then they will see what it is like to be harassed. I've sent several out. Don't mind doing it again.   Make sure to track and log each time they call from a different number. It seems that Capital One wouldn't mind having another class action lawsuit filled against them again anyways.
Kells
Kells
2011-02-10 00:12:39
Unknown
I keep getting calls from this number too.....what is this??? im not gonna call if u dont leav ea message and im not going to answer a number i dont know.
Pam
Pam
2011-02-07 15:21:20
Unknown
they keep calling my
cellphone and I do
not understand WHY?
My thought someone
gave them my number
instead of theirs!
ria
ria
2010-12-15 18:56:27
Unknown
Keep calling me too.
Johny 0 Fighitng for our Rights!
Johny 0 Fighitng for our Rights!
2010-11-28 22:01:04
Debt Collector
THIS IS "NCO" NORCO Financial on behalf of CAPITOL ONE BANK FISHING FOR INFO ON PEOPLE - and collection on bad dept - http://www.ncogroup.com/

Don't Pay N C O Financial
Sue Harassing N C O Debt Collectors Make Them Pay You. 100% Free Help!
WeStopDebtCollectors.com/FDCPA

keep trying guys, as you change your phoen #'s we are ALL 1 step ahead, you have moles in your orginization - guess whom is leaking your phone numbers and placing call blockers - too too bad - you need to spend so much $ on NEW phone # and area codes - to attempt to collect pennies on the $ - only to find your clients file BK! - ahahah suhcks! guuess all for not!.


Days are numbers anyways, so who cares!
John Q Public
John Q Public
2010-11-09 01:51:52
Unknown
I keep getting these calls from this number on my cell phone. who are they and how do i stop them from pestering me?
Merrilane
Merrilane
2010-09-28 18:16:43
Debt Collector
I keep getting calls from these people.  I inform them that I am in Bankruptcy & they then want me to give them my social security number but it is them that called me so they obviously have all the information they need, when I refuse to give them my ssn they then say they have to have it to verify that I am the person they are calling.  I will not give them the satisfaction as I am indeed in Bankruptcy.
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