Complaint / Review
Capital One
Captial one changing their memeber's agreement

I just received a a new member's agreement from Capital one few days ago. It's about a change of terms for my credit card.
It's stated that they change the agreement due to the credit card act of 2009.
Under some definitions — "we", us, our, capital one mean capital one bank, national association; and its agents, authorized representatives, successors, and assignees..
While i check other bank's terms and conditions.
This is from citibank
we, us, and our mean Citibank (South Dakota) N.A., the issuer of the account.
And you can chases or other banks, they won't define we, us and our as the bank and their "relatives" or "people who they do business with"
so if u owe or default capital one credit card payment, u'll probably find tons of people who claim they own the debt. Be awared.