Capital Accounts LLC Collection Complaints. Stop the calls

Many consumers bring up complaints about harassing collection calls

Capital Accounts LLC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Capital Accounts?

Capital Accounts Started operating in 2003 in Nashville, Tennessee. It needs to be results-driven since the organization works on a contingency basis, meaning that they only get paid a percentage of what they have the ability to collect. Capital Accounts also provides a flat fee letter support.

Is Capital Accounts a scam?

Capital Accounts is listed as a legitimate debt collection agency on the BBB profile page. They an assortment of debt collection tactics, such as collection letters, telephone calls, and skip tracing. They also take customers to court. The company’s strategy is to call customers within all “acceptable” calling hours to optimize contact. After an account is submitted for collection, they immediately send the customer a demand letter, and begin calling within 24 hours. To top it off, within 30 days, debts are reported on the three national credit agencies.

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

How many Complaints are there against Capital Accounts?

As of February 2018 the Better Business Bureau reported 115 closed Capital Accounts complaints over the previous ten years. As of March 2017, Justia lists six Capital Accounts complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Fair Credit Reporting Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 98 closed Capital Accounts complaints for 2016

Contact Info

Capital Accounts, LLC
P.O. Box 140065
Nashville, TN 37214
Phone Number: 800-282-3214

Can Capital Accounts Sue Me or Garnish My Wages?

It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely CA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Can you help me file a No Fee Lawsuit against Capital Accounts?

Absolutely. If you have been unjustly harassed by Capital Accounts LLC, contact us for a free case evaluation

Capital Accounts Calling You?

Understand your debt collection rights

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.

The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.

Consumers have reported getting Capital Accounts debt collection calls in the following phone numbers:


Want to Stop Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What our Clients are Saying

“I can’t start to tell you how happy this makes me. It is actually comforting to know that there are people ready to do the things you have done. I am really blessed to have found you guys, and was not worried about anything. I think that at the end was the best part for me, reassurance. I’ve got the release here and have signed it, I’ll fax it over the hour.”

“Thank you so much for handling my situation. Previously, I did not trust attorneys. I had bad experiences and did not think lawyers fought for you anymore. You’ve restored my faith. You took in my case, never asked for a retainer, and you won without ever having met me. Thank you.”

“If you’re not certain about this business…DONT BE!!! They’re for real when they say that they are here to assist you. It only requires a couple of brief minutes of your time to speak with a rep. I was a skeptic, but you did everything you said you would! I can not say thank you enough!”

Can You Help Me Remove Capital Accounts from My Credit Report?

We ought to be able to assist. Give us a call and we’ll explain.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • Danielle

    I have asked them to cease and desist and they continue to call. Also on first call, without verifying my identity when I answered the phone, said they were calling about “my” delinquent account even though they didnt verify who I was first

  • Kimberly Haining

    They call about once a month and give me a different amount I owe every time. They are very rude so I quit answering strange numbers. Just now they left a voicemail with only a giant belch and a woman saying “oh I’m sorry” before hanging up. I called them back to tell them what happened and it was the same woman-I could tell by her voice. I saved the voicemail.

    Absolutely ridiculous before the belch incident but this tops it!

  • Lee

    It is my guess that the callers are not working out of some professional office, as you might be imagining. They work from their homes and are paid a bounty on each debt collected. You are not dealing with “professionals.”

  • Bernice Lupo

    Capitol accounts is harassing me for $103.00. My husband is very ill & I told them I can pay whatever I can afford since we live on SS. They are rude & insensitive. The number they called from is 904-685-9184. I don’t see this number listed. Just reporting them for rudeness among other things

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