1. Who We Are. Capital One, N.A. is the servicer of your referenced account unless this letter or a separate communication has informed you of another current servicer. Capital One, N.A. services accounts owned by Capital One, N.A. and Capital One Bank (USA), National Association. Your creditor's name was previously disclosed to you in our initial communication with you and is identified for purposes of this letter by your account number, but if you wish to confirm the name of the creditor, please contact us.

  2. State and Local Disclosures: A. Connecticut, the District of Columbia, Iowa, New York City or North Carolina Residents Only: If your account involves a debt owed primarily for personal, family, household or other consumer purpose(s):

    This is an attempt to collect a consumer debt (claim). Any information obtained will be used for that purpose.

    B. Vermont Residents Only: The disclosure above applies to you regardless of the nature of the debt associated with your account.

    C. Iowa Residents Only: If your account involves a debt owed primarily for personal, family, household or other consumer purpose(s):

    This communication is from a debt collector.

    D. Massachusetts Residents Only: If your account involves a debt owed primarily for personal, family, household or other consumer purpose(s):

    YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY 10 DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN 7 DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.

    Unless you notify us within 30 days after receiving this notice that you dispute this debt or any portion of it, we'll assume it's valid. To dispute this debt, send a letter with your name, account number and specific details of your dispute to the following address:

    Capital One 360, P.O. Box 60, St. Cloud, MN 56302-0060. If you notify us in writing within 30 days from receiving this notice, we'll mail verification to you. The balance in this notice may change, based on account usage, fees or interest charges.

    This is not a complete list of the rights that you might have. The terms in this section are defined by applicable state or local law. Pursuant to 15 USC 1692a(6) of the Fair Debt Collection Practices Act, we aren't a debt collector under federal law.

  3. Bankruptcy. If you are entitled to bankruptcy protection for your account, this letter is only for informational purposes. It's not an attempt to collect, assess or recover a debt or claim. Don't send any payments directly to us without speaking with your bankruptcy attorney or the bankruptcy court. If you have questions about your account or your bankruptcy proceeding, have your attorney call us.

  4. Time Period for Payment or Other Action. Unless we provide a specific date, any time period for your payment or other action begins on the date of this letter.

  5. Interest and Charges Continue to Accrue. All stated amounts are owed as of the date of this communication. If applicable, your account may be charged interest, late fees and other charges that may change daily as stated in your agreement. As a result, the amount due on the day you pay us may be more than the amount stated in this communication.

  6. IRS Reporting of Debt Forgiveness. We may be required to report to tax authorities the amount of principal that is forgiven, canceled or settled. We are not required to report every time principal is forgiven, canceled or settled, and may not be in your case. Please consult a tax advisor and/or the instructions accompanying any tax forms for more information.

  7. Credit Reporting of Your Settled Account. If we are reporting your account to consumer reporting agencies, we will notify these agencies that your account has been "paid in full or paid in full for less than the full balance".