Update: Three days after rec’g the first letter, they’re already following up with a phone call! I got home from work today and “Jennifer Johnson” left a cryptic message about how she was looking for the person in charge of my mom’s estate. She didn’t say the company name. The phone # she gave is: 855-234-1135. I called and left a msg on their general voicemail stating she didn’t have a will or estate and was on Medicare. I said she didn’t owe any money, which to me is true if Capitol One told me I wasn’t responsible for it.