Who Is Capital Management Services? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Capital Management Services
- Address to send a debt validation letter
- Capital Management Services, LP 698 1/2 S Ogden St Buffalo, NY 14206
- Phone
- 1-716-871-9050
- Official website
- https://www.cms-collect.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Capital Management Services (CMS) is a Buffalo, New York-based third-party debt collector that pursues past-due accounts, including credit card debt referred by major card issuers. If CMS is contacting you, send a written validation request in writing before making any payment, and note whether calls came through an autodialer or pre-recorded message.
Has Capital Management Services been the subject of legal action?
Yes. CMS was a named defendant, alongside Capital One, Alliance One Receivables Management, and Leading Edge Recovery Solutions, in In Re: Capital One Telephone Consumer Protection Act Litigation, a case filed in the U.S. District Court for the Northern District of Illinois. The suit alleged the companies placed automated calls to consumers’ cell phones about Capital One credit card debt without proper consent, violating the TCPA. The case settled in 2015 for $75.5 million — one of the largest TCPA settlements at the time — with CMS contributing to the shared settlement fund covering everyone who received an autodialed or pre-recorded call about a Capital One account between 2008 and 2014. If CMS has repeatedly called your cell phone using an automated system, see your rights when a collector won’t stop calling for how to document and stop it.
Questions & Answers
Is Capital Management Services a legitimate debt collector?
Capital Management Services shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Capital Management Services from calling me?
Under the FDCPA, you can send Capital Management Services a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Capital Management Services?
Send a written debt validation request to Capital Management Services's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Capital Management Services on my credit report?
If Capital Management Services is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team