I just noticed your post about Arrow trying to collect an account from Capital One. Your guess was correct; it really is the old Signet bank account. Capital One is the old credit card division of Signet Bank, which was spun off as an independent company. They would still have legal rights, whatever they may be, to any Signet bank account. Knowing where this account came from may give you an edge in proving illegal redating, SOL expiration, or whatever issue you choose. I didn't notice any other post that addressed this particular fact.