The following is an overview of what we know about Capital One.
Full name: Capital One Financial Corporation
Company type: First-party creditor (Capital One originates and owns the debts it attempts to collect)
Industry: Credit cards, auto loans, consumer banking, commercial banking
Headquarters: 1680 Capital One Drive, McLean, Virginia 22102
Company size: 6th-largest bank in the United States by total assets ($493.6 billion as of Q1 2025)
Employees: Approximately 52,600
Phone number 800-946-0332: Specifically associated with Capital One Auto Finance collections
BBB rating: A+ (accredited), though the BBB has logged over 15,000 complaints in the past three years
Capital One’s Calling Pattern is Not New to Regulators
Not only is Capital One calling people repeatedly at all hours of the day and night, but this is a practice they’ve been engaging in for a long time.
In fact, back in 2015, they agreed to pay $75.5 million to settle a class-action lawsuit brought against them. The lawsuit alleged that Capital One engaged in practices that violate the Telephone Consumer Protection Act, such as placing automated calls to consumers’ cell phones without their consent.
All told, Capital One called about 21 million phone numbers. At the time, it was the largest-ever settlement under the TCPA.
Fast forward to 2012. In the CFPB’s very first public enforcement action, the agency targeted Capital One’s vendors operating their call centers. In that case, the CFPB alleged that Capital One’s vendors engaged in deceptive practices, including misrepresentations and high-pressure sales tactics.
As a result, Capital One was forced to provide $140 million in refunds to consumers and pay a $25 million civil penalty.
So, if you’re getting calls from 800-946-0332, know you’re dealing with a company that’s run afoul of regulators before because of its calling practices. In fact, just those two incidents cost Capital One a total of $215.5 million.
Why is Capital One Calling Me?
There are a couple of reasons why you might be getting calls from 800-946-0332. The most common reason is because you have an auto loan with Capital One that is past due. In fact, consumers have reported that Capital One places automated calls to them even if they are just one day late with their payments.
Here’s what one consumer said about calls from 800-946-0332 on the website 800notes: “This number is for Cap One Auto finance. It doesn’t matter how many days late you are, 1 or more, this is their automated system that will call continuously throughout the day.”
However, before you talk to anyone at Capital One about your past-due auto loan, make sure you understand that the amount they claim you owe might not be accurate.
Before you negotiate any type of payment or settlement with Capital One, it’s important to investigate the account and verify the information. One way to do this is by requesting validation of the debt, which is a formal process during which the creditor must provide you with all of the information it has about your debt.
Mistaken Identity
If you don’t have an auto loan with Capital One, you might still be getting calls from 800-946-0332. In some cases, this is because Capital One has an incorrect phone number in its system or because it’s trying to reach someone else. Consumers have written about this phenomenon on 800notes.
Here’s one example: “I don’t have a car loan, credit cards, home mortgage or anything else with Capital One.” Another consumer reported that Capital One was calling a phone that belonged to her deceased husband and that each time they called, they were asking for someone with a different name.
If Capital One is calling you by mistake, this is even more reason not to call the company back or otherwise engage with the caller. Instead, we recommend working with a credit repair company that can help you get the calls to stop and clean up any damage to your credit report.
Who is Calling Me from 800-946-0332?
If you answer a call from 800-946-0332 or if you call Capital One back, you will likely be connected with a customer service representative. In most cases, consumers report that the calls they receive from Capital One are automated. However, if you do connect with a live person, most consumers report that those individuals are located offshore and that they read from a script when they call.
Don’t expect a lot of empathy or understanding from the representative who calls you from Capital One. Consumers report that the company’s representatives can be rude and unhelpful.
One consumer said that when she called Capital One back, she was initially asked to enter her Social Security number and then connected with a representative. However, that representative was located in a foreign country and could barely communicate in English.
In addition, most consumers report that the representatives who call them from Capital One do not deviate from their script. This means that no matter what you tell them about your situation or no matter what questions you have, they are unlikely to go off script or provide much help.
They’ll Keep Calling Until You Take Action
One of the most frustrating things for consumers who are getting calls from 800-946-0332 is that Capital One will just keep calling until you take action. Most consumers report that they’ve asked Capital One to stop calling them multiple times, but that the calls just keep coming.
Here’s what one consumer had to say about it on 800notes: “I have told them many times, I do not have a Capitol 1 account of any kind, to please take me off the list… The calls persist.” Another consumer reported: “This number calls every 15 mins all day every day. Just want to know how to get them to stop.”
So, what can you do to get Capital One to stop calling you? The reality is that calling the company and asking it to stop might not be effective. However, there are some other steps you can take to stop the calls and address the issue that’s causing them in the first place.
What Capital One Doesn’t Want You to Know
If you talk to a representative from Capital One, whether it’s someone calling you from 800-946-0332 or someone you reach out to directly, that person is probably not going to tell you much about your rights or about how you can effectively deal with the situation. However, there are a couple of things you should keep in mind.
First, just because Capital One says you owe a certain amount, that doesn’t mean you actually do. In fact, the company may be willing to settle with you for less than what it says you owe. If that’s the case, why would you ever agree to pay the full amount?
Unfortunately, when you’re dealing with a creditor over the phone, it can be really tough to take a step back and think clearly about the situation. Instead of negotiating with Capital One over the phone, we recommend working with a credit repair company that can help you come up with a strategy to effectively deal with the situation.
Second, don’t forget that eventually, the negative information on your credit report will disappear. Under federal law, most negative marks must be removed from your credit report after seven years.
So, even if you do owe money to Capital One and even if you can’t pay, just remember that the situation isn’t permanent. With a little patience and some help from a credit repair company, you can navigate this situation effectively and improve your credit.
How to Stop Calls from Capital One
So, how can you stop calls from Capital One? If you owe money to the company and if you’re getting calls from 800-946-0332, the reality is that eventually you will need to deal with the situation. However, you don’t necessarily need to talk things over with the company on the phone. In fact, doing so could leave you in a worse position than if you just waited things out and worked with a credit repair company.
Here’s why you might not want to call Capital One back. When you answer the phone or call the company back, you’re giving it the opportunity to apply pressure to you and to get you to do something you might not otherwise want to do. In addition, when you’re on the phone with a creditor, it’s easy to get caught up in the emotion of the moment and do something rash.
So, what can you do instead? We recommend ignoring the calls from Capital One and working with a credit repair company. With a credit repair company’s help, you can identify any inaccuracies on your credit report, dispute negative marks, and monitor your progress. It’s a better approach than dealing with a pushy creditor who doesn’t always have your best interests at heart.
In addition to working with a credit repair company, you can also dispute any inaccurate information that Capital One is reporting on your credit report. Under the Fair Credit Reporting Act, you have the right to dispute information you believe is inaccurate, incomplete, or unverifiable. Within 30 days, the credit reporting agency must investigate and verify the information. If it can’t, the agency must remove it from your credit report.
It’s also important to note that, as an original creditor, Capital One is exempt from most provisions of the Fair Debt Collection Practices Act.
However, the company is still subject to the Telephone Consumer Protection Act, regardless of its status as an original creditor. Some states also extend the provisions of the FDCPA to original creditors. If you’re not sure of your rights under state or federal law or if you need help navigating the situation, we recommend working with a credit repair company that can provide you with expert guidance and support.
Don’t let Capital One push you around. Instead, stop answering the phone and start disputing. With help from a credit repair company, you can clean up your credit report, stop the calls from Capital One, and start fresh.
Contact us today to learn more. At FightCollections.com, we help consumers deal with debt collectors and collection agencies.
If you’re getting calls from Capital One or if the company is reporting information about you to the credit reporting agencies that you believe is inaccurate, incomplete, or unverifiable, let us help. We’ll assist you in disputing the information and in navigating the process of getting your credit report corrected.
Contact us today to learn more about how we can help.
