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Have you received multiple calls a day from 800-955-6600 (aka 8009556600) or 800-903-3637 (aka 8009033637)? If you are anything like me, you DO NOT like picking up calls from numbers you don’t know. Let’s discover who is calling you and what your options are if you can or cannot pay the debt.

Who and why is someone calling me?

Capital One is calling you, and it’s often due to unpaid debt according to 800notes. Surprisingly, I couldn’t find the 8009556600 number on Capital One’s website, but 800-955-6600 was clearly posted on Capital One Financial’s BBB under “Read More Business Details”. 

The purpose of this image is to show that the phone number 800-955-6600 (aka 8009556600) is related to Capital One.
The BBB website showing the (800) 955-6600 (aka 800-955-6600 and 8009556600) number

The purpose of this article is to show you options to potentially get rid of the late fees and interest if you can pay the debt AND provide options if you cannot pay the debt.

As a side note, please jump around in the article to what is most beneficial to your situation as I cover multiple angles to help you resolve the debt.

Your Options with Capital One if you Can Pay The Debt

So, you are getting multiple calls per day from 8009556600. What are your options if you can pay the debt?

Obviously, you can go online and make a payment to get you current. Is there more you can do?

In this situation, I will generally call or chat into customer support and explain the situation. I will request that they wave either/both the late fee and the interest. I actually just did this last week with one of my banks, and I got both the fees and the interest waved after requesting via Chat support. We all forget, and often a bank can understand that too.

Here’s the screenshot (please note that this was with a different bank):

A screenshot that shows a refunded late fee and reversed credit interest charges.

Your Options with Capital One if you Cannot Pay The Debt

We all want to pay the debt we owe, but sometimes it’s impossible due to financial hardship (potentially due to COVID), so what are your options if you cannot pay the debt at this time.

Request Hardship Assistance from Capital One

The whole world is reeling from COVID-19’s impact, so before you do debt relief, you may just check out the options that Capital One offers for those affected by financial hardship. Here’s Capital One’s website covering the financial hardship program.

You can request a temporary stoppage of payments or a reduction of interest or some other means to get current on your obligations. 

Although in recent years, it has seemingly become less about the customers’ needs and more about the bank’s profits, there are still avenues to get assistance in some situations.

Ask Capital One to Stop Contacting You From 800-955-6600

It’s annoying getting 3-4 calls per day, and not being able to do anything about it. When you have to choose between paying utilities or your car or home payment, you will often choose to pay those items because there are certain implications if you don’t.

You allowed by law per the Fair Credit Reporting Act (FCRA) to request the bank to cease communications with you, regardless of whether you owe the debt or not.

Here’s a template you can use:

Thank you for the call. Per my rights in accordance with the FCRA § 805, please do not communicate with me at this number again either by phone or by writing or by texting or by any other means. If you need that in writing per the guidelines, please let me know where I can send this communication.

Get Into the Nitty Gritty of Your Finances

Debt can cause a great deal of stress, especially having to manage many different creditors and payment dates, and your income. You may want to get into the nitty-gritty of your finances to understand what your best options are to eliminate debt. 

To understand a complete picture of your finances, you may use our free debt freedom portal, which we built to help you understand your options when you experience some sort of financial hardship

Compare Debt Relief Options

If you realize that your current financial situation will not change, you may compare your debt relief options. There are 4 primary options to consider: 1) Debt Settlement 2) Chapter 7 3) Chapter 13 and 4) Debt Management. 

Each of these options will eliminate the calls from Capital One at 8009556600 (or 8009033637) and provide debt relief. That said, each of these options has its own costs and pros and cons. Whichever option you take, you want to be the most informed.

To help you compare your options, we built the free debt relief options comparison calculator below to help you make the most informed decision.

What Would I Do If Capital One Was Calling Me?

If I can pay the debt, I would try to get the late fee and interest charges reversed by explaining what happened.

If I cannot pay the debt, I would first understand whether Capital One could provide some relief assistance and ask them not to call me anymore. I would really take a close look at my finances to see whether I need debt relief. If I needed debt relief, I would compare my options and I’d want to choose the one that was the cheapest, easiest, and fastest while trying to maintain my credit as much as possible.

Each situation is unique. I’d love to schedule a call with you through my personalized link or answer your questions either in the comment box below or by email ( I check this email regularly, so I will do my best to answer as quickly as possible.

Post Author: Ben Tejes

Ben Tejes is a co-founder and CEO of Ascend Finance. Before Ascend, Ben held various executive roles at personal finance companies. Ben specializes in Chapter 13 Bankruptcy, Debt Settlement, Chapter 7 Bankruptcy and debt payoff methods. In his free time, Ben enjoys spending time going on adventures with his wife and three young daughters.

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