### Analysis of the Page: https://lookup.robokiller.com/p/800-946-0332 This RoboKiller lookup page (as of November 19, 2025) is for the toll-free number **(800) 946-0332**. #### What the Page Actually Displays: - **Spam Risk Level**: Negative (low/no risk) - **Caller Type**: Debt Collector (inferred from user reports) - **User Reputation**: Positive - **Activity Stats**: Extremely high volume — 1,768,756 total calls tracked, 12,833 user reports, 55 comments, last detected 35 seconds ago - **RoboKiller Status**: Allowed (not auto-blocked) - **Transcript/Audio**: None provided - **User Comments**: 55 total, mixed and vague (e.g., "Wants to hire" tagged as Job Offer – Sep 4, 2025; "Capital one auto" tagged as Debt Collector – Apr 8, 2025; mentions of spam texts) - **Other**: No explicit owner name; heavy promotion for 14-day free trial and app download #### What the Number Actually Is (Cross-Verified Reality) (800) 946-0332 is a **legitimate outbound number used by Capital One Auto Finance** for collections, payment reminders, and customer service on vehicle loans. - It has been Capital One's official auto finance support/collections line for over a decade (confirmed across thousands of reports on 800notes.com, YouMail, Nomorobo, and consumer forums). - As a first-party creditor (not a third-party agency), they are not fully restricted by the FDCPA and can call aggressively (multiple times daily, weekends, no messages due to privacy rules). - Scammers **heavily spoof** this number (e.g., fake "urgent auto loan" alerts to phish SSN/account details), which generates tons of scam reports even for real calls. - Calling the number directly reaches Capital One Auto Finance reps or an automated system asking for account/SSN (standard for them, but scary if unexpected). High volume + spoofing + aggressive tactics = one of the most complained-about legitimate bank numbers online. ### Red Pen Critique: Where This Page Fails / Can Be Improved (The "red pen" highlights the major problems in **bold red**) | Aspect | What the Page Does | **Improvement Needed (Red Pen)** | |-------------------------|-------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------| | **Owner Identification** | No company name, only "Debt Collector" from scattered tags | **Utterly fails to name Capital One Auto Finance — this is basic, public, verifiable info on every other site.** Should explicitly state "Capital One Auto Finance (first-party collections)" with a link to their contact page. | | **Risk Rating** | "Negative" risk + positive reputation + allowed | **Absurd and detached from reality.** 12,000+ reports and 1.7 million calls are almost all complaints about harassment or suspected scams. Rating a notoriously aggressive bank collector as "positive/safe" misleads users badly. | | **Consistency** | Labels "Debt Collector" but treats as low-risk/non-block | **Self-contradictory nonsense.** With this volume and spam-text reports, it should be high-nuisance at minimum and optionally blocked. Users install RoboKiller to stop exactly these kinds of calls. | | **Helpfulness** | No transcript, no context, just stats and useless comments | **Add essential guidance: "Official Capital One Auto Finance line for vehicle loans. Frequently spoofed by scammers. Verify by logging into your Capital One account or calling the number on your statement/site."** Include spoofing warning and safe callback tips. | | **Transcript/Audio** | None, despite millions of calls | **Criminal omission for such a high-volume scripted caller.** A simple voicemail transcript ("This is Capital One Auto Finance regarding your account") would instantly prove legitimacy for most users. | | **Comment Curation** | 55 poorly moderated, contradictory (job offer mixed with debt)| **Surface the accurate ones ("Capital One Auto") and bury noise.** Add timestamps, upvoting, and filtering. | | **Design/UX** | Overly promotional with free-trial popups | **The lookup is clearly bait for subscriptions.** Prioritize real information over aggressive marketing. | **Bottom line**: Another RoboKiller high-volume disaster — they have mountains of data yet somehow conclude one of the most notorious (but legitimate) bank collection numbers is low-risk and "positive." This pattern of misclassifying real creditors as safe while sometimes over-labeling others as scams shows a complete lack of editorial verification or nuance about spoofing. If you're getting calls from 800-946-0332: - It's almost certainly **real Capital One** if you have (or ever had) an auto loan with them. - Log into capitalone.com/auto or call the official number on your statement/app (usually 800-946-0332 is listed there) to verify — never enter SSN/account info on inbound/automated prompts alone. - If no Capital One loan: likely spoofed scam or wrong number — block and report. - You can limit calls by setting up autopay, updating preferences in your account, or sending a written cease-communication request (though first-party creditors have more leeway).

November 19, 2025

Wants to hire

September 4, 2025

Capital one auto

April 8, 2025

For my Car payment. UN Block, please.

February 25, 2025

Auto loan

August 29, 2024

Auto loan

July 9, 2024

Capital One Auto Finance

July 1, 2024

Capital One Auto Finance

July 1, 2024

Illegal Operations of Car Payments using Patrick Keller Williams. Patrick Keller Williams is the name of the street on Scottsdale Road, not a collection of payments.

March 28, 2024

August 25, 2023

Block them

July 26, 2023

Scam

March 14, 2023

Came up capital one- never used them

February 3, 2023

Trying to steal acct info

February 2, 2023

Collection

January 14, 2023

Scam

January 2, 2023

Auto Loan

September 8, 2022

If you are behind on payments this is where they call from and aggressively

September 7, 2022

Automated call

August 23, 2022

Scam

July 14, 2022

No message

June 17, 2022

It’s a scam plus I don’t really use Capital One

April 2, 2022

no call

February 11, 2022

Creditors

February 9, 2022

N/M

January 21, 2022

This caller calls frequently sometimes back to back, they never leave a message as to who they are. When you call them back, they have blocked you… lol…smh 😏

January 5, 2022

Car

December 6, 2021

Bill collector

November 3, 2021

SCAM

September 25, 2021

Car payment

September 3, 2021

But IBut I

September 3, 2021

home.

July 27, 2021

This is a credit auto loan company. They are good people.

February 8, 2021

auto loan company

January 6, 2021

Customer Service

November 5, 2020

Auto loan

September 29, 2020

Already Collected

September 24, 2020

I don’t have a capital one account

August 8, 2020

Fake Capital One phantom debt collection scam by madarchod criminals phoning from India This *MAY BE* a valid call from Capital One auto financing if you currently have a car financed through them. But this Capital One name and number are being spoofed on Caller ID for what the Federal Trade Commission calls a phantom debt collection scam where the scammer pretends to be a debt collector, bank or credit agency, billing department, lawyer, or law enforcement and threatens to sue or arrest you using lies, harassment, and intimidation to collect on fake debts that you do not owe. The India scammer asks for you by your name in order to sound like a personal phone call to gain your trust, but they are auto-dialing thousands of numbers. The scammer may say "I am calling on a recorded line" just to sound official, but it is fake! The scammer either mentions an unpaid debt and past due amount that must be paid immediately or says that they have frozen your Capital One account due to fraudulent activity. The scammer then asks for your online banking login credentials, Social Security number and date of birth "for verification purposes", and either tells you that you can settle the debt by paying with a credit card or demands that you wire transfer the payment for the fake debt or asks for your bank account/routing number. More than 95% of North America phone scams come from India scammers who operate hundreds of fraud, extortion, and money laundering scams every day such as posing as a fake pharmacy; fake Social Security officer saying your benefits are suspended; IRS officer collecting on fake unpaid back taxes; bill collector threatening you for fake unpaid debts; fake bank, financial, or Fedex/UPS/DHL scams; pretending to offer fake health insurance, car warranty, student loan forgiveness, credit card and debt consolidation services; posing as Amazon to falsely say an unauthorized purchase was made to your credit card or your Prime membership was auto-debited from your bank; posing as Microsoft/Dell/HP/Apple to say that your software needs renewal or they detected a problem or virus on your computer; fake "we are refunding your money" or "your account has been auto-debited" scams; fake Google/Alexa listing and work-from-home scams; posing as an electric utility or Verizon/AT&T/Comcast to say your service is suspended; fake solar panel and home purchase offers; fake fundraisers asking for donations; fake political and lifestyle phone surveys; and the scammers try to steal your credit card, bank account/routing number, Social Security number, and personal information. One India call center may cycle through a fake Social Security, computer subscription auto-renewal, pharmacy, and credit card offer scam during the week. People often hear different scams from the same spoofed Caller ID number. Scammers often use disposable VoIP phone numbers (MagicJack devices) or they spoof fake Caller ID phone numbers. Anyone can use telecom software or a third-party service to phone using fake CID names/numbers. India scammers often spoof fake "8xx-" toll-free numbers. The CID name/number is useless with scam calls unless the scam asks you to phone them back and the CID area code is almost never the origin of the call. You waste your time researching the CID number since scams use spoofed CID numbers from across the U.S. and Canada, totally invalid area codes, and also fake foreign country CID numbers; e.g. fake women crying "help me" emergency scams from India often spoof Mexico and Middle East CID numbers. India scammers also spoof the actual phone numbers of businesses such as Apple, Verizon, and U.S. banks to trick you into thinking that a call is valid. How can you avoid being scammed by phone calls? NEVER trust any unsolicited caller who sells something (most unsolicited calls are scams so your odds of saving money are very poor); offers of a free gift; legal or arrest phone threats or a caller/recording who says you need to reply back soon (pressure tactic); callers who ask you to access a website, download a file, wire transfer money or buy gift cards; claims of suspicious activity on an account; subscriptions being refunded or auto-renewed/auto-debited; and all pre-recorded messages. Recorded messages are far more likely to be malicious scams, and not just telemarketing spam. A common India scam phones you with a fake Amazon recording about a purchase of an iPhone, but Amazon never robo-dials and Amazon account updates are communicated in emails. Many banks use automated fraud alert phone calls to confirm a suspicious purchase, but always verify the number that the message tells you to phone or just call the number printed on your credit card. Any unsolicited caller with a foreign accent, usually Indian, should immediately be treated as a scam. Many scams tell a lie that you recently inquired about a job, insurance, social security benefits, doctor appointment, or that you recently contacted them or visited their website. Scammers try to gain your trust by saying your name when they call, but the autodialer is automatically displaying your name to the scammer or saying your name in a recording when your number is dialed using phone databases that have millions of names and addresses. India scammers often phone with an initial pre-recorded message speaking English, Spanish, or Chinese that is easily generated using text-to-speech translation software to disguise the origin of their India phone room, but then you speak to the scammer when you press 1 or call them back. Some speech synthesis software sound robotic, but others sound natural. To hide their foreign accents, some India scammers use non-Indians in their phone room. India scammers use interactive voice response (IVR) robotic software that combines voice recognition with artificial intelligence, speaks English with American voices, and responds based on your replies. IVR calls begin with: "Hi, this is fake_name, I am a fake_job_title on a recorded line, can you hear me okay?"; or "Hi, this is fake_name, how are you doing today?"; or "Hello? (pause) Are you there?"; or "Hi, may I speak to your_name?" IVR quickly asks you a short question to elicit a yes/no reply so it hangs up if it encounters voicemail. IVR robots understand basic replies, yes/no/what answers, and basic questions. To test for IVR, ask "How is the weather over there?" since IVR cannot answer complex questions. IVR robots keep talking if you interrupt them in mid-sentence. IVR usually transfers you to the scammer, but some scams entirely use IVR with the robot asking for your credit card or SSN. A common myth is that IVR calls record you saying "yes" so scammers can authorize purchases just using your "yes" voice, but scammers need more information than just a simple recorded "yes" from you - credit cards and SSN. Phone/email scams share two common traits: 1) The Caller ID name/number and the "From:" header on emails are easily faked; and 2) The intent of scam calls is malicious just as file attachments and website links on scam emails are harmful. Scams snowball for many victims. If your personal/financial data are stolen, either by being scammed, visiting a malicious website, or by a previous data breach of a business server that stores your data, then your data gets sold by scammers on the dark web who then see you as fresh meat and prey on you even more. This is why some receive 40+ scam calls everyday while others get 0 to 2 calls per day. If you provide your personal and financial data to a phone scammer, lured by fake 80%-discounted drugs or scared by fake IRS officers, you receive far more phone scams and identity theft can take years to repair. Most unsolicited calls are scams, often with an Indian accent. No other country is infested with pandemics of sweatshops filled with criminals who belong to the lowest India caste and many are thieves and rapists who were serving jail time but released early due to prison overcrowding. India scammers shout profanities at you. Just laugh at their abusive language. Google "Hindi swear words" and memorize some favorites, e.g. call him "Rundi Ka Bacha" (son of whore) or call her "Rundi Ki Bachi" (daughter of whore). Scammers ignore the National Do-Not-Call Registry and asking scammers to stop calling is useless. You do these scammers a favor by quickly hanging up. But you ruin their scams when you slowly drag them along on the phone call, always give them fake personal and credit card data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said to waste their time and energy.

July 22, 2020

Illegal collection call. Debt is already passed legal 7 year collection date.

May 5, 2020

This is a total scam, do not answer!!!!!!

May 4, 2020

I Don't Have This Credit Card.

April 30, 2020

Stop

April 22, 2020

Car payment fraud

April 21, 2020

F**k You. They Were On Your Whitelist

April 21, 2020

Not my debt.

January 30, 2020

Capital one auto

October 15, 2019

Capital One Auto

June 14, 2019

Capital one bill collector

May 30, 2019

Funniest thing I have ever heard

April 18, 2019

They’re asking for someone unknown..

April 15, 2019

Capital One Finance Jeep

April 10, 2019

Capital One

April 8, 2019

Auto loan

February 26, 2019

Capital one

February 4, 2019

Legit caller

December 10, 2018