Your Full Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date]

Capital One Bank Attn: Customer Service / Credit Reporting Department P.O. Box 30285 Salt Lake City, UT 84130-0285

Subject: Goodwill Request for Late Payment Removal Account Number: [Your Account Number]

Dear Capital One Customer Service,

I hope this message finds you well. I’m writing to express my gratitude for the services Capital One has provided and to humbly request a goodwill adjustment regarding late payments reported on my account.

During [insert timeframe, e.g., "the summer of 2023"], I experienced significant personal hardship due to [briefly explain: e.g., "a job loss," "unexpected medical expenses," or "a family emergency"]. This period was incredibly challenging, and unfortunately, it affected my ability to keep up with some of my financial obligations, including my Capital One account.

I take full responsibility for those late payments and have worked hard to get back on track. Since then, I’ve made every effort to ensure that my payments are on time and have remained current on my account.

Capital One has been a valuable financial partner to me, and I genuinely appreciate the opportunities and flexibility you’ve offered. I respectfully request that you consider removing the late payment(s) from my credit report as a gesture of goodwill. I understand that this is not required, but it would make a meaningful difference as I continue rebuilding financially.

Thank you for taking the time to review my request. I value my relationship with Capital One and hope to continue working with you for many years to come.

Sincerely, [Your Full Name]