Capital One and other creditors buy their lists from Equifax and TransUnion.

Depending on which cards they're promoting they'll pick lists that are within a certain range credit score wise...
IE... they'll pick people with credit scores between 500-600 to promote their secured credit cards. They'll buy lists of creditors with scores of 750+ to promote their premium cards. These are just examples.. I don't actually know the ranges of credit scores that they buy.

I know in the past when my credit score would go above a certain point, or below a certain point, I would get different types of offers from the credit card companies.

All the credit card companies do this. This is another revenue source of Equifax and TransUnion. It's part of the "you giving permission to the credit bureau to disclose your information".

You CAN refuse Equifax and TransUnion selling your information. The cost however would be that they close your account and don't report your credit.

With regards to telling Capital One to take you off their call list is like asking THEM to remove your phone number from 411.

If you have an active agreement with Capital One, then you're giving them permission to collect and disclose your credit information. Again, you can have them stop collecting and disclosing your information, and this would mean closing your account with them.

If you have a balance outstanding, then Capital One still considers the contract open and valid.

Wickadchick, OK, I now understand your situation.

But I'm very fascinated, does Capital One honestly go through phone books to find addresses to mail creditcard offers out? Geeze...

OK, as for credit card offers and collection agencies for Capital One, there is no 'call list'. You telling Capital One to take you off their call list is like asking THEM to remove your phone number from 411. It's just not happening.

If you're getting mail for the debtor (which should only be offers, not letters since this debtor never lived in your house), just mark a line through it and write 'Moved' on it. Return it to sender (no cost to you).

BUT, if it's a collection agency calling you -- they arn't going to give you anything, because they don't have to. I know of two agencies (at least) that collect for Capital One Canada. If you saying there is only 3 agencies that collect 3rd party for Cap1 Canada, luckily for you, I have connections with 2 of them. If you want, you can private message me your phone number and I'll check out some records here and I can help get your number removed. FYI, I do work in a collection agency, but I'm here to help if you want it.

Greetings Everyone and jamiedude00,

I believe you misread my original post. This is not the first time we have received calls from this agency. We have been receiving calls for this same 'group' SINCE the day we moved in a year ago. We have also received male, credit card offers, etc for her as well

I have contacted Capital One, who they claim to represent, and talked to their customer service center and their collection group. They have patched me through to their outside collection agencies (all three of them) and I have talked to those folks.

By all of these people I was told to get the agency's name, the file number, and the information on the rep.calling. They will not give me this information. I was also told to tell the people who called to 'take me off your call list' which I did. I was told that I would be removed within 30 days and this has not happened. I have been kind, funny, angry, pissy, and even sympathetic and still I get this annoying call once a month for the same thing and claiming to be the same people.

I have been very patient up until now but I've about had it. This is why I decided to look for advice outside of Capital One and the agencies involved.

Once again, thank you all very much for your help and information. I now look forward to next month when 'the call' comes in - lol.

Have a great rest of the weekend,
Wickad

Wait, you've had this new number for a year and you've just recently gotten collection calls for this chick?

I find this hard to believe, as

1) Phone records update usually every month, and if not minimum every 4-6
2) Even if 411 still lists the old debtor with the new #, there are consistently updated skip assist programs that are much more updated than sites like 411.com.ca etc
3) If an agency is using a dialer (it also means the agent is a junior) and 9 times out of 10 the number will be removed on first contact. Senior collectors don't work on dialers, and dial numbers manually. Meaning, they remember if they spoke to the debtor on this number before. But, you really shouldn't have this issue as you've had it for a year, right?
4) The gov't will not take a ministry complaint seriously in your case
5) If you received a recycled number, blame SaskTel not the agency
6) When agents call, don't be rude .. if you snap on them, why would they give you the time of day -- theres nothing more that I love, than hearing a 3rd party call me a terrorist, telling me they are going to sue me or cut my penis off because I have the wrong # --- just relax, this might be the first contact my company has had with you -- because if I'm calling, chances are, there are others.

Don't like lying???? You'd never make it as a collection agent.

Ray

Thank you all for your info.

I think you are correct in your suggestions on how to deal with this issue. Sad as it is, I just never thought to lie to them as I'm not really a person that thinks of lying as a reasonable way of dealing with an issue.

I hope you both have a great weekend and thank-you again for the insight.

Wickad

The reason why they keep calling even after you have told that they have the wrong number is because they think you are lying. A lot of people (even if it is the right party) lie and say to agencies that they have the wrong number so they will go away.

Is your number listed on Canda 411? www.canada411.com and if it is remove it from that site!.

I agree with the previous post, say you are them and get all the info and then file a complaint. if you go to google, I am sure they have complaint agencies in SK, I only know of the one in BC

Try this site
Business Practices and Consumer Protection Authority

Phone: 604.320.1667 Fax: 250.920.7181

Toll Free in BC: 888.564.9963

Web: www.bpcpa.ca

Ayup, there are several legitimate routes to go here which involve filing complaints with the phone company and so forth, but all of these are going to be irritating as you don't know who these people are.

So lie to them.

Next time they call tell them you are the person they're looking for, tell them you want to pay the debt. Ask them for a contact phone number and their company name.

When they give you that it's your turn to phone them up and harrass them until you reach someone in authority. Should this fail you're now armed with their phone number and a name, and can file the appropriate complaints with government agencies and so forth.

Worth a shot, what's the worst that happens? They keep calling? You're there already.

Greetings Everyone,

My partner and I recently moved to SK (about a year ago) from AB (yes, strange but a good move for us - lol). The telephone number we were assigned used to belong to someone who has a rather sketchy credit history. We have been receiving harassing telephone calls from collection agents looking for her since we moved in. They occur once a month and have not taken us off the 'call list' even though we've asked them to a number of times.

I was wondering what I can do about this? These agents will not give their name, rep. number, agency they are calling from (okay, they do give this info but they are lying as I've contacted numerous parts of Capital One and they have no idea what I'm talking about), or the file/case number that I can reference. I've even been hung up on a few times but calling the number back gets me no where as they are using an automated dialer.

This is getting really annoying. Does anyone have any advice on how to deal with this type of agency?

Thank-you,
Wickad