EFTA00123825.pdf

Capita Capital One Services, LLC P.O. Box 30278 Salt Lake City, UT 84130.0278 July 16, 2015 PHILLIP I WILLIAMS Re: Account # ending with MI Thank you for your recent Capital One payment. Unfortunately, your Capital One Pay-by-Phone payment in the amount of $50.00 posted on 07/13/2015 was returned by your financial institution. The payment was returned for the following reason: Invalid Acct Number We have debited your Capital One account for this returned payment. Effective immediately, the following banking information has been flagged as incorrect or ineligible for making payments on your Capital One account: Bank Account Number Ending with: I= Please contact your financial institution to obtain the correct information before submitting any further payments to Capital One. This may help prevent delays in funds availability and additional fees from being applied to your account. Your prompt attention to this matter is greatly appreciated. If you have any questions or need additional information, please call us at 1-800-955-7070. Sincerely, Capital One Services, LLC IFM0F0056/MAILIY/CD000740/P:ES/O:Y/ECNI/EM:0001PG-27009/QA-13236 EFTA00123825  Cap:W.33one Re: Account ending in Phillip I. Williams IMPORTANT CHANGE TO YOUR ACCOUNT Dear Phillip I. Williams, As of October 30, 2015, Capital One® will no longer be offering the option to make additional security deposits to increase the credit limit of your Secured MasterCard? ► How does this affect me? This change won't affect your current credit limit. However, you won't have the option of adding additional security deposits to increase your credit limit as of October 30, 2015. Everything else about your card remains the same and you can continue to use it as you normally would. ► What if I want a higher Even though you will no longer be able to make additional deposits, credit limit? you may receive a higher credit limit, in the future, based on your payment history and creditworthiness. ► I've still got questions. Visit capitalone.com/securedcard/faqs for more details about your Secured MasterCard. Remember, you can always keep track of your credit score and more using the free Capital One Credit Tracker tool. Just sign in to your account at capitalone.com or with the Capital One Mobile app. Thank you for being a Capital One customer. 0 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. FM2 86178 O1D20111 EFTA00123826 EFTA00123827  Capitapne Re: Account ending in Phillip I. Williams IMPORTANT CHANGE TO YOUR ACCOUNT Dear Phillip I. Williams, As of January 19, 2016, Capital One'" will no longer be offering the option to make additional security deposits to increase the credit limit of your Secured MasterCard? ► How does this affect me? This change won't affect your current credit limit. However, you won't have the option of adding additional security deposits to increase your credit limit as of January 19, 2016. Everything else about your card remains the same and you can continue to use it as you normally would. ► What if I want a higher Even though you will no longer be able to make additional deposits, credit limit? you may receive a higher credit limit, in the future, based on your payment history and creditworthiness. ► I've still got questions. Visit capitalone.com/securedcard/faqs for more details about your Secured MasterCard. Remember, you can always keep track of your credit score and more using the free Capital One Credit Tracker tool. Just sign in to your account at capitalone.com or with the Capital One Mobile app. Thank you for being a Capital One customer. 0 2015 Capital One. Capital One is a federally registered service mark. All rights reserved. FM286178 0020711 EFTA00123828 EFTA00123829  You can still bring your account up to date Capital One` Services, LLC P.O. Box 30285 Salt Lake City. UT 841300285 Account ending in: Serviced By: CAPITAL PhillirlWilhanis Balance: $269.81 Minimum Payment: $108.00 Due date: AUGUST 12, 2016 July 19, 2016 Dear Phillip I Williams, Being past due on your credit card bill can seem overwhelming_we'd like to work with you to find a payment solution that fits your needs. Here are some options: • In order to bring your account up to date, make your minimum payment of $108.00 by AUGUST 12, 2016. • If you can't quite make that payment, you can contact us and we will calculate a lower payment amount for you to make by AUGUST 12, 2016. This payment won't bring your account up to date, but it will prevent it from becoming more past due. • We also have flexible payment options that let you split payments up over a few months. Please remember that becoming more past due will result in your security deposit being applied to your balance. If your security deposit is applied to your balance, you will be responsible for any remaining balance. To find out more about these options, just call us at 1-800-955-6600. We're available Monday through Friday from 8 a.m. to 11 p.m. ET, and Saturday and Sunday from 8 a.m. to 5 p.m. ET. Sincerely, Capital One Services, LLC PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION Cal;ita t • Moving? Change your address online or on the back. Total enclosed S • Pay online anytime - no more checks. stamps or clutter. • Sign up at www.capitalone.com. Phillip I Williams Capital Ono Bank(USA), N.A. P.O. Box 70886 Charlotte. NC 28272-9903 IPCOSIISAAILNiCC00025OPARONJEC.N EFTA00123830  1. Who We Are. Capital One® Services, LLC is the servicer of your 3. Bankruptcy. If you are entitled to bankruptcy protections for referenced account unless this communication or a separate your account, this communication is only for informational communication has informed you of another current servicer. We are purposes. It is not an attempt to collect, assess, or recover a a subsidiary of Capital One, National Association, and service the debt or daim. Do not send any payments directly to us without following Capital One affiliated companies: speaking with your attorney or Bankruptcy Trustee. • Capital One Bane (USA), National Association 4. Electronic Check Conversion. When you provide a check as • Capital One, National Association payment, you authorize us either to use information from your check to make a one•time electronic fund transfer from your The name of your creditor has been previously disclosed to you and deposit account or to process the payment as a check is identified for purposes of this communication by your account transaction. When we use information from your check to make number. an electronic fund transfer, funds may be withdrawn from your 2. State and Local Disclosures. If you receive this communication in deposit account as soon as the same day we receive your Connecticut, the District of Columbia, Hawaii, Iowa, New York City, payment, and you will not receive your check back from your North Carolina, or Oregon and your account involves a debt owed financial institution. Your authorization is not limited by the date primarily for personal, family, household, or other consumer on the check. purpose(s), or if you receive this communication in Vermont 5. Interest and Charges Continue to Accrue. All stated amounts irrespective of the nature of the debt associated with your account, are owed on the date of this communication.lf applicable, your the following disclosure is required by state or local law: account may be charged interest, late charges, and other This is an attempt to collect a (consumer) debt (claim). Any charges that might change from day to day as provided in your Information obtained will be used for that purpose. agreement. As a result, the amount due on the day you pay us The following disclosure is required by state law if your account may be larger than the amount stated in this communication. involves a debt owed primarily for personal, family, household, or For example, if you pay the amount stated in this communication,your account might still have a balance after we other consumer purpose(s) and you receive this communication in Hawaii, Iowa, or Oregon. receive your payment. If your account has already charged off, This communication Is from a debt collector. you will not incur any additional interest or fees. The following disclosure is required by state law if your account 6. Time Period for Payment or Other Action. Unless we provide involves a debt owed primarily for personal, family, household, or a specific date, anytime period for your payment or other action other consumer purpose(s) and you receive this communication in begins on the date of this communication. Massachusetts: 7. IRS Reporting of Debt Forgiveness. If we cancel or forgive NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE 5600 or more of principal on a debt you owe we may provide A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS you a 1099-C tax form, if required by law. Please consult your tax advisor and the instructionsaccompanying any tax forms for REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VAUD FOR more information. ONLY 10 DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION 8. Credit Reporting of Your Settled Account. If we report your OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN settled account to a consumer reporting agency (credit bureau), DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY we will report it as paid in full for less than the full balance. 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. Continued on next Column—> Contact Information Credit Cards—Collections Credit Cards—Charged Off 1.800.955.6600 1.800.258.9319 Mon-Fri: 8 a.m.-11 p.m. ET & Mon-Fri: 8 a.m.-9 p.m. ET Sat-Sun: 8 a.m.-5 p.m. ET Changing Address? Not quite ready to make payments online? Address No problem. Follow these simple steps to make sure we process your payments smoothly: • Don't staple or paper clip your check to the payment slip. Home Phone • Be sure to use the payment envelope that came with your Alternate Phone letter. Using a different envelope could delay processing. E-mail Address • Please don't include any additional correspondence. • Last but not least, be sure to write the last four digits of Please print address or phone number changes above using blue or black ink. your account number on your check. EFTA00123831