How to Stop Capital Collection Management Debt Collection Harassment

What to watch for if you are being contact by a collection agency.

Repeated or excessive phone calls

If the collection agency is calling you multiple times a day or at inconvenient hours, this could be harassment under the FDCPA.

Threats of lawsuits, wage garnishment, or arrest

Debt collectors cannot legally threaten actions they don’t intend or aren’t allowed to take.

No written notice of the debt

You are entitled to a written validation notice within five days of first contact. If you didn’t receive one, your rights may have been violated.

Calling your workplace after being told not to

Once you ask them to stop contacting you at work, it’s illegal for them to continue doing so.

Discussing your debt with others

Collectors are not allowed to disclose your debt to friends, family, or coworkers.

Abusive, rude, or threatening behavior

Any use of profanity or intimidation violates federal law and could entitle you to damages.

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Capital Collection Management, LLC does business as CCMR3. It is a Syracuse, New York third-party collector, not Capital Management Services LP in Buffalo. Many people searching for how to stop calls from Capital Management Services land on the wrong company. Read the city on your letter before you treat the two agencies as one file.

Key Takeaways

  • Current public HQ: 318 S Clinton St, Ste 400, Syracuse, NY 13202-1127. Older filings also show 201 Solar St, Syracuse, NY 13204. Match the address on your notice.
  • The company rebranded to CCMR3. Website: ccmr3.com. The BBB profile lists it as not accredited.
  • Florida LLC filed Oct. 15, 2013. New York foreign LLC (DOS ID 4534843) filed Feb. 26, 2014. Confirm current collection licenses in the state that is calling you.
  • Public class-action coverage of CCMR3 is thin compared with Capital Management Services in Buffalo. A filing is an allegation, not a finding on your file.
  • The Wood Firm PLLC reviews CCMR3 and CMS files on contingency. FDCPA statutory damages, if awarded, cap at $1,000 per lawsuit.

Free Case Review: +1-844-638-1122

Who Is Capital Collection Management (CCMR3)?

Capital Collection Management is a Florida LLC that operates from Syracuse and uses the CCMR3 name. BBB lists a start date of Oct. 15, 2013, New York authority dated Feb. 26, 2014, and Jacob Corlyon as chairperson and CEO. The firm’s own rebrand announcement says the CCMR3 name took effect Sept. 29, 2021.

GSA contractor records list the same Clinton Street suite, NAICS code 561440 (collection agencies), and MAS contract 47QRAA21D003L. That listing is a government-vendor record. It is not a consumer endorsement.

CCMR3 markets first- and third-party recovery, healthcare revenue work, and omnichannel phone, text, and email. In files we review, that model often means a burst of contact before anyone has mailed an itemized bill. A New York assumed-name filing in 2025 also lists True Path Servicing. If that name is on a letter, compare it to the Capital Collection Management legal name before you pay.

CFPB Debt Collection Complaint Ranking: #722 of 1,294 Companies*

What Is CCMR3’s Contact Information?

CCMR3’s headquarters on current BBB and GSA listings is:

318 S Clinton St, Ste 400
Syracuse, NY 13202-1127

A prior Syracuse address still appears on older maps and DOS process records:

201 Solar St
Syracuse, NY 13204

These consumer and office numbers appear in public records. Confirm them against your letter.

☎8662724035
☎1-866-272-4035
☎866.272.4035
☎(866) 272-4035
☎866-272-4035

☎3152569744
☎1-315-256-9744
☎315.256.9744
☎(315) 256-9744
☎315-256-9744

Another line appears in state registrations:

☎8778583855
☎1-877-858-3855
☎877.858.3855
☎(877) 858-3855
☎877-858-3855

Use the address and number printed on your notice for validation mail.

How Do You Check CCMR3’s Licensing?

You check CCMR3’s licensing by confirming its registrations and asking for its current license number. Florida Sunbiz document L13000145098 is the home LLC. New York foreign authority is DOS ID 4534843, and you can confirm current status through the NY Department of State public inquiry.

Ask CCM for its current collection-agency license number and check it on the regulator site in the state that is calling you. An expired or outdated listing is not current authority to collect. BBB also notes an out-of-state collection bond on the Syracuse profile, but a bond is not a verdict on your file.

Why Is Capital Collection Management Calling You?

Capital Collection Management is likely calling you because a healthcare, utility, or financial-service account was placed or purchased. Hospital bills often split across the facility, the physician group, anesthesia, and the lab. In our reviews, consumers often do not recognize the account number on the first CCM letter. Ask for the original provider and an itemized statement.

A February 2024 complaint on the BBB profile alleged inaccurate bureau reporting. CCM’s reply on that file said it requested removal. That is one consumer complaint, not proof about your tradeline.

What Can’t CCM Legally Do?

CCM cannot use harassing, deceptive, or unauthorized contact methods. Depending on the facts, these practices may violate federal law:

  • Calling before 8 a.m. or after 9 p.m. local time
  • Placing more than seven calls in seven days about the same debt under CFPB Regulation F
  • Autodialing or sending prerecorded or automated texts to a cell phone without the consent the TCPA requires
  • Discussing the debt with family or an employer, except for narrow location-information contact
  • Threatening arrest or same-day garnishment with no judgment
  • Continuing to collect after a timely written validation request without mailing adequate proof
  • Continuing to report a line it cannot verify after a written FCRA dispute

TCPA statutory damages start at $500 per violation and can reach $1,500 if willful. Do not multiply a two-week log into a promised recovery. FDCPA statutory damages, if awarded, cap at $1,000 per lawsuit.

Has Capital Collection Management Been Sued?

No widely reported class action against CCMR3 appears in the public sources we reviewed, though individual consumer suits can still be filed. Public reporting tied to the CCMR3 name is thin compared with Capital Management Services in Buffalo. A filing is an allegation, not a finding that CCM lost your file.

When we open a CCMR3 letter, we read amount language, creditor identity, consent for cell contact, and any bureau line.

Is CCM the Same as Capital Management Services?

No. CCMR3 is in Syracuse, and Capital Management Services LP is a Buffalo collector. Public CMS materials place that company around 698 1/2 S Ogden St, Buffalo, NY 14206. CMS coverage you can open includes:

CMS was also a defendant in In re Capital One Telephone Consumer Protection Act Litigation, N.D. Ill. No. 1:12-cv-10064. Reporting on that 2014 settlement describes a $75.5 million fund. Capital One was to pay about $73 million, and CMS’s reported share was about $24,220. That is not a CCMR3 settlement, and a settlement is not an admission of liability. More coverage is available from Top Class Actions.

How Do You Dispute a CCM Debt?

You dispute a CCM debt in writing, not on the phone. Follow these steps:

  • Stop negotiating on the phone and put everything in writing.
  • Send a certified validation letter within 30 days of receiving the validation notice, to the address on the notice. Ask for the original creditor, itemized amount, and authority to collect.
  • Screenshot texts and emails, and save voicemails.
  • Do not pay first. A payment can restart a limitations clock in some states.
  • If you want calls to stop, send a written cease letter under 15 U.S.C. § 1692c(c).
  • If CCM is on your credit file, dispute in writing with CCM and each bureau.

What Can The Wood Firm PLLC Do About CCMR3?

The Wood Firm PLLC represents consumers only. On a CCMR3 file, we read consent for cell contact, text timestamps, validation timing, and any bureau line. A notice of representation tells the agency to contact counsel, though calls do not always stop within 48 hours.

Contingency means no upfront attorney fee. The FDCPA’s fee-shifting provision may also require the collector to pay fees if the case succeeds.

Call +1-844-638-1122 for a free case review.

Frequently Asked Questions

Is Capital Collection Management a scam?

No. It is a real Syracuse collector that also uses the CCMR3 name. Being a registered company is not a license to harass.

What is CCMR3?

CCMR3 is the trade name Capital Collection Management announced in 2021. It is the same legal entity if the letter matches.

What address should you use for validation?

Use the address printed on your notice. Public HQ is 318 S Clinton St, Ste 400, Syracuse, NY 13202. Older paper may still show Solar Street.

Can CCM text you?

Yes, but automated cell texts generally need the consent the TCPA describes. Save every message.

Can CCM garnish your wages?

No, not without a judgment and a separate court process on ordinary consumer debt.

Is CCM the same as Capital Management Services?

No. CCMR3 is in Syracuse and CMS is in Buffalo. CMS has the linked federal coverage above.

Did CCM pay $75.5 million in a TCPA case?

No. That fund was the Capital One litigation. CMS’s reported share was about $24,220, and CCMR3 was not that defendant.

Will a CFPB complaint stop the calls?

No, not by itself. It creates a record. A cease letter and counsel usually change contact faster.

What Should You Do After the Next CCM or CMS Letter?

Read the city on the letterhead and send validation. Call +1-844-638-1122 if texts arrived without consent or a tradeline appeared that you already disputed.

* Ranking determined by the overall number of debt collection complaints to the Consumer Financial Protection Bureau (CFPB), based on complaints received Sep 13, 2025–Sep 12, 2026, and should be considered in context of company size and/or market share. Source data: CFPB Consumer Complaint Database.

Attorney Jeff Wood

Jeff Wood

Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.

Disclaimer: The information contained in these articles is provided for general informational and educational purposes only and should not be construed as legal advice. Reading or relying on this content does not create an attorney-client relationship with our firm. Because every legal matter is unique, you should consult a qualified attorney regarding your specific circumstances before making any legal decisions.