Anyone with a mailing address and a bank account stands a good chance of having received a letter from Pat W. Johnston, the director of consumer services at Capital One and prolific signatory of many of the company's credit card offers. (One blogger tallied 34 letters from Johnston--and six magnets.)
As it turns out, the androgynous Pat Johnston is not an employee at Capital One, as he or she does not exist. After we got suspicious and contacted Capital One for comment, a spokeswoman acknowledged that "Capital One uses both real names and generic pseudonyms as signatories on our marketing materials," citing the need for consistency over time and personnel changes.
Johnston could not be reached for comment.