credit card companies harrassing me

A bill collecter may contact you in reguards to your account at any time. When you speak to a collector and you advise them of when a payment will be made and it is accepted keep a list. Record who you spoke to, what time it was and get a number from them, preferably to their direct line or their extension number. In the meantime i would phone Capital One to verify your payment date is in fact listed in the computer and that this is indeed acceptable and ask not to be called until the 19th, unless it’s to verify you will be paying on that date. Most companies like to know you’re going to pay, espically when you DO pay, and they have no problems allowing an extension if you’ve proved to be a good customer.

I have no idea if they’re allowed to call once per week but i believe you have been given incorrect information. I used to work for a telemarketer, if we got no answer on the phone we simply hit a button and their name was put back into the database to be called again. If the person said no, they would probably be put back in the database again. I have received daily, or multiple calls per day from a particularily agressive bill collection agency before and this is what i base my answer on, however i can’t advise as to how often they can call nor could i find this information anywhere right off hand.

I would not call 2 phone calls in 2 days harrassment. If they continue to call daily i would begin to call that harrassment and I would ask to speak to a supervisor, but i highly suggest calling Capital One, asking to speak to a supervisor int he collection department and going from there.