Who we are.  Capital One, National Association

Reasonable accommodations.  Please be aware that we provide reasonable accommodations and alternative formats of this communication, which can be provided upon request. To make such a request or to learn more about our accommodations, please call us at 1-800-289-1992.

This is an attempt to collect this debt and any information obtained will be used for that purpose. 

For New York City residents whose accounts have charged off:  For our records, New York City law requires us to request your language preference. Please contact us at 1-844-614-9088 to advise us about your language preference. If you have already provided your language preference to us and would like to change it, please contact us at 1-844-614-9088 to do so. Please note that, as permitted by New York City law, we may not service your account in your preferred language.

For District of Columbia residents:  You have the right to request all of the following concerning your debt: 

(1) Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt; 

(2) Your last account number with the original creditor; 

(3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms; 

(4) The date that your debt was incurred; 

(5) The date of your last payment, if applicable; and

(6) An itemized accounting of the amount claimed to be owed including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.

You may request the above information by contacting us by phone at: 1-844-614-9088, or by mail at: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285. Currently Capital One has no email address at which you can request this information.

Bankruptcy.  If you are entitled to bankruptcy protections for your account, this communication is only for informational purposes. It is not an attempt to collect, assess, or recover a debt or claim. Do not send any payments directly to us without speaking with your attorney or Bankruptcy Trustee.

Electronic check conversion.  When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your deposit account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Your authorization is not limited by the date on the check.

Interest and charges continue to accrue.  All stated amounts are owed as of the date of this communication. If your account has not closed and charged off, and if applicable, your account may be charged interest, late charges and other charges that might change from day to day as provided in your agreement. As a result, the amount due on the day you pay us may be larger than the amount stated in this communication. For example, if you pay the amount stated in this communication, your account might still have a balance after we receive your payment. If your account has already charged off, you will not incur any additional interest or fees.

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 communication.

IRS reporting of debt forgiveness. If we cancel or forgive $600 or more of principal on a debt you owe we will provide you a 1099-C tax form, if required by law. Please consult your tax advisor and the instructions accompanying any tax forms for more information.

Credit reporting of your resolved account.  If we are reporting your consumer account to the consumer reporting agencies and you settle your account for less than the full balance, we will update the account reporting to reflect the settled status. 

Account closure. The bank reserves the right to close accounts at any time for any reason.