See I never gotten a Letter from anyone. This was a foney company implying they were a credit card company but they weren't. They sent you an already activated card with charges like APR and stuff on the card and you only had a few bucks left to spend. You know when you get a Visa card you call a certain # and activate it. Well this was not my case. Mine was already activated. It was Visa, it was Capital One or whatever directly. It was a foney company and I did not know I was involved until I got that check in the mail.