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Why would Capital One send me certified mail?

Posted on 7/13/17 at 8:25 pm
Posted by thelawnwranglers
Member since Sep 2007
40396 posts
Posted on 7/13/17 at 8:25 pm
I don't have a card with them.

My best guess is I am about to find out about identity theft. Looking for an answer that doesn't equal lube up for credit screwing.

I check my report periodically new unregonized cards
Posted by OnTheBrink
TN
Member since Mar 2012
5418 posts
Posted on 7/13/17 at 8:25 pm to
Maybe open it and find out.
Posted by fontell
Montgomery
Member since Sep 2006
4532 posts
Posted on 7/13/17 at 8:27 pm to
What's in your envelope
Posted by thelawnwranglers
Member since Sep 2007
40396 posts
Posted on 7/13/17 at 8:27 pm to
quote:

Maybe open it and find out.


I just got notice they missed me guess they want me to sign for it


I am in NJ now but it is from Baton Rouge
Posted by Sampson
Drusilla and Jefferson
Member since Mar 2012
24946 posts
Posted on 7/13/17 at 8:30 pm to
Could be a letter bomb disguised as a credit card promotion sent from a bitter exgf
Posted by Schmelly
Member since Jan 2014
15125 posts
Posted on 7/13/17 at 8:32 pm to
Post your email and I'll tell you
Posted by Sidicous
NELA
Member since Aug 2015
18624 posts
Posted on 7/13/17 at 8:33 pm to
Co-signed on a loan gone into default?

C1 does auto, mortgage, LOC, all kinds of lending besides cards. Not sure but they may even service loans for other lenders (like student loans, FHA/VA).

If you are behind with any credit type cert. mail is lazy ez mode process service.

If you recently closed a loan (usually high dollar) that included some type of insurance (title/flood/etc.) it could be the actual policy and they are using the mail receipt for your file as proof you did receive said policy.

When in doubt, refuse the cert. mail and soon the sender will call to ask why refused and you can then find out what it is. If it is a court process notice somebody will knock and hand it over anyway /shrug (guy I used in Tulsa to serve actually went and sat in a college classroom and waited for roll call one time LOL)

ETA: Just saw you moved, could it be auto lien related? Title or lien release as new residence state is/not title holding or lien entry type?
This post was edited on 7/13/17 at 8:35 pm
Posted by thelawnwranglers
Member since Sep 2007
40396 posts
Posted on 7/13/17 at 8:33 pm to
quote:

Post your email and I'll tell you





Not sure if serious?
Posted by thelawnwranglers
Member since Sep 2007
40396 posts
Posted on 7/13/17 at 8:35 pm to
quote:


If you are behind with any credit type cert. mail is lazy ez mode process service


None that I know of so identity theft is real

I check credit karma regularly though.

The loc is interesting - Quicken loan called me for refi. We we're starting process but I didn't move forward or sign anything.

Posted by Putty
Member since Oct 2003
25795 posts
Posted on 7/13/17 at 8:41 pm to
quote:

When in doubt, refuse the cert. mail and soon the sender will call to ask why refused


Or they will just take a default judgment against you. Great advice. Sending certified mail = service if it's a long arm case.
Posted by thelawnwranglers
Member since Sep 2007
40396 posts
Posted on 7/13/17 at 8:48 pm to
quote:


Or they will just take a default judgment against you. Great advice. Sending certified mail = service if it's a long arm case.





I have to drag my arse to post office to get this?

I have no business with Capital One
Posted by Sidicous
NELA
Member since Aug 2015
18624 posts
Posted on 7/13/17 at 8:48 pm to
quote:

Sending certified mail = service if it's a long arm case.


That's a change to me. So now a default judgement can be obtained just by sending certified that is ignored. What if said defendant moves frequently and the mail is delivered to A residence of record just not THE current one?
Posted by 14&Counting
Dallas, TX
Member since Jul 2012
40036 posts
Posted on 7/13/17 at 8:49 pm to
quote:

Why would Capital One send me certified mail?


Marketing gimmick to get your attention so you open the letter and read it.
Posted by thelawnwranglers
Member since Sep 2007
40396 posts
Posted on 7/13/17 at 8:53 pm to
quote:

Marketing gimmick to get your attention so you open the letter and read it.



I would be pissed and relieved
Posted by Lithium
Member since Dec 2004
63615 posts
Posted on 7/13/17 at 9:30 pm to
big check
Posted by ehidal1
Chief Boot Knocka
Member since Dec 2007
37234 posts
Posted on 7/13/17 at 9:32 pm to
Samuel L Jackson surprise birthday party invite
Posted by oVo
Member since Dec 2013
11983 posts
Posted on 7/13/17 at 9:34 pm to
Are you friends with Will Cover?
Posted by terriblegreen
Souf Badden Rewage
Member since Aug 2011
11137 posts
Posted on 7/13/17 at 10:04 pm to
Go figure it out. Either you want to know or you don't. Jesus.
Posted by Fatal Conceit
Ramblin down that dusty ole road
Member since Jun 2017
594 posts
Posted on 7/13/17 at 10:06 pm to
Collateral attack
Posted by dirtsandwich
AL
Member since May 2016
5899 posts
Posted on 7/13/17 at 10:11 pm to
quote:

Sending certified mail = service if it's a long arm case

How has he been served if he never signs for it?
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