If you’ve been receiving calls from 800-955-6600, you’re not alone. This number has been causing confusion and concern for many people. Let’s break down what you need to know about these calls.
Who’s Behind the Number 800-955-6600?
The number 800-955-6600 is associated with two entities:
- Northland Group: This is a debt collection company that buys debts from other companies and attempts to recover them.
- Capital One: Several users have reported that this number is connected to Capital One’s Credit Card Collections department.
Why Are They Calling?
There are several reasons you might be receiving calls from this number:
- Debt Collection: If Northland Group is calling, it likely means you have an overdue debt. This could be a debt you owed to another company that has been sold to Northland Group.
- Missed Payments: If it’s Capital One calling, they may be reminding you about a missed credit card payment.
- Wrong Number: Many people report receiving calls for individuals they don’t know, indicating that the company may be working with outdated contact information.
- Account Issues: In some cases, the calls might be about account-related matters, such as overpayments or negative balances.
What Should You Do?
- Answer the Call: While it’s tempting to ignore unknown numbers, answering can help you understand why you’re being contacted.
- Verify the Caller: If someone claims to be from Capital One or Northland Group, ask for verification of their identity and the debt they’re calling about.
- Check Your Credit Report: These calls could indicate that a collection account has been added to your credit score, which could impact your ability to access credit in the future.
- Resolve Any Debts: If you do owe money, consider setting up a payment plan to resolve the debt.
- Report Wrong Numbers: If they’re consistently calling for someone else, inform them that they have the wrong number.
Concerns and Cautions
While many calls from this number are legitimate, some users have reported suspicious experiences:
- Some callers immediately ask for sensitive information like credit card numbers or Social Security numbers. Be cautious about providing this information over the phone.
- There have been reports of the line going dead after entering personal information.
- The frequency of calls, sometimes multiple times a day including weekends, has been a source of frustration for many.
Legal Considerations
Excessive or harassing calls may violate laws protecting consumers from such practices. If you feel the calls are becoming harassing, you can:
- Contact the company directly to request they stop calling.
- Visit the FCC website for information on your rights and how to file a complaint.
- Consider consulting with a legal professional who specializes in consumer protection law.
Remember, while it’s important to address any legitimate debts, you also have the right to be treated fairly and respectfully by debt collectors and financial institutions.
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