Hi all, As I posted earlier, I did have my concerns with Cap One addressed with the "Consumer Advocate". If anyone else needed to write the Executive Offices, here's the address: Attn: Consumer Advocate Executive Offices, Capital One Financial PO Box 85669 Richmond, VA 23285-5699 Also, the CEO's address is: Mr. Richard D. Fairbank, CEO Capital One Financial 2980 Fairview Park Drive Suite 1300 Falls Church, VA 22042 I was really impressed with the direct response I received. Marci