Question I have... What's so significant about Discover Card commercials? Thanks for any comment. Another question on my mind: I fired off a 623 letter to Capital One last month and they received it on 12/2. Well I get a response back from them today. The letter is dated 12/29 but it isn't postmarked until the 4th. Here is what their letter said:.

Dear XXXXXX,.

Thanks for contacting us about your Capital One Account.

Because you applied for your account by phone or on the Internet, we do not have a paper copy of your application on file to send to you. We've enclosed a copy of your Customer Agreement, as well as your last three monthly statements..

Please not that any additional requests for complimentary copies of documentation regarding your account may not be honored..

Capital One has a valid contract for the amount you owe..

As of 12/29/09, your account balance was $XXX.XX. This amount may have changed by the time you receive this letter.............

I'm confused and I find this hilarious at the same time. If someone doesn't mind taking the time to answer, I have a few questions about this..

The confused part:.

I fired off a letter to the CRA's right after I got the green card back. If Capital One doesn't have any contractual proof that this even belongs to me, isn't that a violation of the FCRA, FDCPA or both? Should I send a copy of this to the CRA's showing that Cap One doesn't even have a contract that definitively proves that this is mine? Should I write Cap One back and make them assert this claim of a contract by producing said contract and inform them that the SOL is up?.

The address showing on the statements is one that I never even lived at..

The hilarious part:.

IF they were to come after me in court, they've given me docs that show the DOFD is Oct 2004 and a copy of the customer agreement showing that Virginia law takes precedence. SOL is up either way..

This post has been edited by.

Texaninfl7115.

: 06 January 2010 - 09:02 PM..