Capital Credit and Collection Service is a debt collection firm which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.
March 24, 2021
What is Capital Credit and Collection Service?
Capital Credit and Collection Service is a debt collection business based in Cedar Hills, Oregon. It appears as though there are a variety of different complaints against Capital Credit and Collection Service alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as harassing and threatening consumers. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is Capital Credit and Collection Service a scam?
They’re legit. Capital Credit and Collection Service has been in the collections business for an impressive 48 years. On top of this lengthy experience, Capital Credit and Collection Service has also received an “A” rating from the Better Business Bureau. While the BBB did not accredit the business, these extensive years of experience and the glowing rating from the BBB awards consumers with the knowledge that Capital Credit and Collection Service is not a scam.
Capital Credit and Collection Service was established on July 1st, 1972 and was incorporated only 19 days later. Additionally, this collections company cites on their website that Capital Credit is a member of a variety of professional organizations, including, “American Collectors Association (ACA), National Association of Credit Managers (NACM), and Oregon Collectors Association (OCA)”. On top of Capital Credit and Collection Service being a member of these organizations, the company also claims that its employees are versed in the Privacy Act of 1974, the Fair Debt Collection Practices Act, and the Debt Collection Act of 1982, as well as specific state laws and HIPAA regulations. Many complainants feel as though this collections company may still have violated these protection laws, though they claim to have educated their employees thoroughly on the subject. Lastly, According to dnb.com the company has an employee base of 10 and sales of $1.11 million. The leadership of the collections company is headed by President Vernon Wallace III and Office Manager Mike Scoggins.
Remember that while it is important that you do not ignore the need to resolve your alleged debt with Capital Credit & Collection Service, as this could potentially harm your credit and ability to take out future loans, be wary of any suspicious activity where the company could potentially be violating the FDCPA. With that being said, remember that the debt which you may have been contacted about is real, and needs to be dealt with.
Who does Capital Credit & Collection Service collect for?
Capital Credit and Collection Service writes on its website, “Throughout our history we have developed programs and staff to effectively perform both commercial and consumer collections. This specialization has allowed Capital Credit to enjoy multi-year partnerships with industry leaders as diverse as Utilities, Medical, Transportation, Financial, and Governmental Agencies”. Therefore, it is likely that the collection that Capital Credit and Collection Service has contacted you about comes from one of these areas of collections listed on the Capital Credit & Collection Service. Even with this knowledge about the area of collections that Capital Credit & Collection Service specializes in, it is still very important that as a consumer you confirm with the collections company about what debt is specifically owed and to whom. Inquiring as soon as possible is the smartest move to make, and if you feel as though this company has breached their FDCPA rights be sure to contact an attorney to help you file a lawsuit.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Capital Credit & Collection Service?
There are many reviews and complaints currently posted about Capital Credit & Collection Service across the internet. On the BBB, Capital Credit and Collection Service received 5 complaints closed in the last 3 years and 1 complaint closed in the last 12 months, as well as two customer reviews amounting to 1 star overall. Additionally, on Google Reviews the collections company has accumulated 18 reviews amounting to a 1.8 star review overall. Capital Credit & Collection Service has also received three reviews on WalletHub, which awarded the company 2.3 stars. These reviews mainly noted that Capital Credit & Collection Service was allegedly threatening consumers and treating consumers with extreme disrespect. The collections company could have also been a part of more lawsuits, sanctions, and penalties. Take a look at the Public Access to Court Electronic Records (“PACER”) which reports all federal complaints within the U.S. federal system’s docket to find out.
Can Capital Credit & Collection Service Sue Me or Garnish My Wages?
Collections companies cannot make empty threats to sue you or garnish because it is illegal. For most cases, collections companies will likely choose not to sue if they cannot verify your debt or you may not owe said debt. Nevertheless, Capital Credit and Collection Service can still summon debtors to court and garnish wages after a default judgement. If you believe that Capital Credit and Collection Service may have violated the FDCPA, hire legal aid to resolve the discrepancy. It is wisest to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Capital Credit & Collection Service?
Absolutely. You can sue a debt collector. Here is a sample complaint:
A complainant explains that Capital Credit & Collection Service reported that they had a delinquent account to the credit reporting agencies. The complainant notes that this $100.00 bill was paid at least 6 years ago, meaning the collections company was incorrectly reporting the delinquent account to said credit reporting agencies. After attempting to contact Capital Credit & Collection Service on multiple occasions to explain the discrepancy and how it was harming their ability to get a loan for a home, the complainant received no response. Additionally, the complainant explains that they called the collections company several times over the past few years to try to request the deletion of this paid in full item. The complainant feels as though Capital Credit & Collection Service is showing derogatory data on their credit report and, “refusing to cooperate”. Capital Credit & Collection Service is harming this complainant’s quality of life over a small amount which had already been paid and resolved.
Capital Credit & Collection Service Calling You?
The Fair Debt Collection Practices Act protects citizens like you against the abuses and misconduct of collection agencies. If you find that you have become a victim of illegal collections practices, read up on your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. Do not forget that you also have additional rights other than those listed under the FDCPA. These supplementary rights include those enumerated in the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue Capital Credit & Collection Service for harassment?
Yes you are able to sue Capital Credit & Collection Service. If you feel as though your FDCPA rights have been breached, suing is the best course of resolution. In order to recover your damages and protect yourself as an individual, you should sue and utilize the Federal laws that protect citizens like you from these fraudulent practices. Award yourself the power to defend your rights and protect your assets. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Capital Credit & Collection Service Debt Collection Harassment Now?
You may have a case, if…
- 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 family, 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
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“They settled my case so fast. No more harassing calls from them bothersome credit card companies. it was a everyday thing 2 to 4 calls a day. I can have peace now. Thank you for all your help.”
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INCREDIBLE EXPERIENCE! We contacted Lemberg about being harassed by a rude debt collector, and within weeks we got a settlement check. 10/10 recommend this law firm— So happy with our settlement.”
Can You Help Me Delete Capital Credit & Collection Service from My Credit Report?
Yes, we would love to assist you with your case. Call us today.
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