Capital One services LLc

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I think this is just a collections department of the Capital One Bank. Still, it would be better for you to seek debt validation on this. You can send a debt validation letter to the agency through certified mail, requesting a return receipt or CMRRR. Other than this, you can also talk to the bank for the details on this account. Furthermore check with your credit reports and take steps so that the account does not get charged off. It hurts your credit.

you cant DV in house collections or a servicer! They are not acting as a collection agency.

OK, read more carefully, it says if you recieve this in Iowa, "the communication is from a debt collector".. when I saw debt collector, I looked for a 30 day dv disclosure, it isnt there.

Yes, it says they service Cap One, NA.

We settled directly with Capital One Services LLC. I was under the impression it was still Capital One but some sort of internal collection department.

Our one remaining Capital One is still with Allied Interstate. Coming up on 180 days and charge off I guess. The best they will do is original principal which is like $800 off what it is now. (Under $4K). What is going to happen at 180 days? Should we really be concerned about getting an agreement before then? We have settled all 7 of our other cards and just this one straggler. Hate to have one shown as a charge off if we can help it but if that is the only way to the get a better deal then we may have to. Not sure why they are digging in so hard. We settled at 55% on the other Capital One card. :(

Thanks Gawe,

How many days was the settled Cap 1 account and bal if you dont mind?

Im at 165 days from last payment (135 days late I guess) with an inflated bal of $7700. Worst thing is, this was a Chase acct, they sold all Sony cards to Cap 1, what luck!

The account I settled at about 55% was only $2200. I asked if that made a difference in why the would settle the one but not the other that was slightly larger ($3200) and they said no. So who knows what game they play. Seems to me if they understand you can't pay and are settling one why not settle the other too. My circumstances are not any different from one account to the other.

I was about 130 days late at the time. So you may be in a good spot to try something with Capital Services. Are you calling 800-955-6600? That was the number I had.

Yes, same number i'm calling.

I'll wait till end of month so another billing cycle goes by and try again, they only offered to reduce bal to original owed.

I'm going to try to call them again this weekend and see if I can get through without being transferred to Allied. Maybe being a few days from 180 days late will make a difference.

Good luck, try not to enter your account # and call from another number that is not associated with that account, I think the account info will foward you to Allied.

I think you're right. I'll try to block caller ID and get a representative rather than entering any account info. Maybe that will get me to someone other than an Allied rep. They are useless.