Important Disclosures

1. Who We Are. Capital One (R) Services, LLC is the servicer of this account unless this communication or a seperate communication has informed you of another current servicer. We are a subsidiary of Capital One, National Association, and service the following Capital One affiliated companies:

Capital One Bank ® (USA), National Association

The name of your creditor has been previously disclosed to you and is identified for purposes of this communication by your account number.

2. State and Local Disclosures. If you receive this communication in Connecticut, the District of Columbia, Hawaii, New York City, North Carolina, or Oregon and your account involves a debt owed primarily for personal, family, household or other consumer purpose(s), or if you receive this communication in Vermont irrespective of the nature of the debt associated with your account, the following disclosure is required by state or local law:

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

The following disclosure is required by state law if your account involves a debt owed primarily for personal, family, household, or other consumer purpose(s) and you receive this communication in Hawaii or Oregon.

This communication is from a debt collector.

The following disclosure is required by state law if your account involves a debt owed primarily for personal, family, household, or other consumer purpose(s) and you receive this communication in Massachusetts:

NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT TO 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 SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE CREDITOR.

This is not a complete list of the rights that you might have. The terms above in this Section are defined by applicable state or local law. Pursuant 15 USC 1692a(6)(B) and (F) of the Fair Debt Collection Practices Act, Capital One Services, LLC is not a debt collector under federal law.

3. 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.

4. 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.

5. 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.

6. IRS Reporting of Debt Forgiveness. If we cancel or forgive a portion 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.

Contact Information
866-928-6128
Mon-Fri: 10 a.m. - 7 p.m. ET

Products and services are provided by Capital One family of companies, including Capital One Bank (USA), N.A., and Capital One, N.A., Members FDIC.

© 2026 Capital One. Capital One is a federally ® service mark. All rights reserved. To contact us by mail, please use the following address: Capital One, P.O. Box 30285, Salt Lake City, UT, 84130-0285.

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For New York City residents:
For our records, New York City law requires us to request your language preference. Please contact us at 1-866-928-6128 to advise us about your language preference. Please note that, as permitted by New York City law, we may not service your account in your preferred language. The following language access services may be available upon request: (1) Spanish translations of written communications; and (2) Spanish-speaking representatives. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affairs’ website, www.nyc.gov/dca.

IRS Reporting of Debt Forgiveness. If we cancel or forgive a portion 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.

This site provides information about and access to financial services offered by the Capital One family of companies, including Capital One, N.A., members FDIC. See your account agreement for information about the Capital One company servicing your individual accounts. Capital One does not provide, endorse, nor guarantee and is not liable for third party products, services, educational tools, or other information available through this site. Read additional important disclosures. © 2026 Capital One. Capital One is a federally registered trademark. All rights reserved.