Capital Collection Management (CCMR3): Who They Are and Your Rights

Type

Collection agency

Also known as

Capital Collection Management LLC; CCMR3

Headquarters

Syracuse, NY

Phone numbers it lists

(866) 272-4035, (315) 362-4569

Website

ccmr3.com

48 debt collection complaints were sent to the Consumer Financial Protection Bureau about Capital Collection Management LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Capital Collection Management?

Capital Collection Management LLC is a Syracuse, New York collection agency that now presents itself as CCMR3. Its old domain, capitalcollect.com, serves the CCMR3 website, and the CCMR3 licensing page lists "Capital Collection Management LLC – NMLS # 1631249." The BBB profile for Capital Collection Management shows the same toll-free number CCMR3 uses, (866) 272-4035, and names Jacob Corlyon as chairperson and CEO; CCMR3's About page calls him its co-founder and CEO. The BBB lists a 2013 start date and a 2014 incorporation date.

CCMR3's contact page gives an address of 201 Solar Street, Syracuse, NY 13204, phones (866) 272-4035 and (315) 362-4569, email [email protected], and hours of 8 a.m. to 5 p.m. weekdays. Its licensing page lists collection licenses in a long list of states and cities, including New York City and Chicago.

Why Capital Collection Management May Be Contacting You

CCMR3 says it offers "first party and third-party collection services and litigation support." The articles on its site discuss collecting patient balances for healthcare providers, which suggests that medical providers are among its clients, but it does not publish a client list. The site uses email, text and phone to reach consumers. A message from CCMR3 or Capital Collection Management will name the business whose account it is collecting; if it doesn't, ask.

How to Check a Debt Capital Collection Management Says You Owe

• Read the validation notice, which must identify the creditor, itemize the debt and set a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within that period. CCMR3's site links to an online dispute and complaint form; keep a copy of anything you submit.
• Ask about its role. If it is calling in a creditor's name as a first-party servicer, ask whether the account is in default and who owns it.
• Compare with your records, especially insurance payments on a medical bill, and request an itemized statement. Licensed Texas health care facilities must send one before pursuing collection (SB 490).
• Check how old the debt is. In Texas, the general limit to sue on a consumer debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). New York and other states set different periods.

What Capital Collection Management Can and Can't Do

As a third-party collection agency, Capital Collection Management is a "debt collector" under 15 U.S.C. § 1692a(6). Under the FDCPA and Regulation F, it:

• Must give you a simple way to opt out of texts and emails (12 C.F.R. § 1006.6(e)); see texts and emails from collectors.
• May not email you at a work address in most cases (12 C.F.R. § 1006.22(f)(3)).
• May not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• Must report a disputed debt as disputed if it reports (15 U.S.C. § 1692e(8)).

We did not find a CFPB enforcement action against Capital Collection Management or CCMR3.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Capital Collection Management (CCMR3) or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• CCMR3: About us
• CCMR3: Contact us
• CCMR3: Licensing
• Capital Collection Management (capitalcollect.com), now showing CCMR3
• BBB business profile: Capital Collection Management (business facts only)
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: Capital Collection Management LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Capital Collection Management (CCMR3) has violated any law. Company details change; tell us if something here is out of date.