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Old 02-18-2014, 04:39 PM  
Stewie Stewie is offline
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Capital One will show up where you work if they want your money...

Capital One says it can show up at cardholders’ homes, workplaces

The credit card company’s recent contract update includes terms that sound menacing and creepy.

By David Lazarus
February 17, 2014, 4:32 p.m.

Ding-dong, Cap One calling.

Credit card issuer Capital One isn’t shy about getting into customers’ faces. The company recently sent a contract update to cardholders that makes clear it can drop by any time it pleases.

The update specifies that "we may contact you in any manner we choose" and that such contacts can include calls, emails, texts, faxes or a "personal visit."

As if that weren’t creepy enough, Cap One says these visits can be "at your home and at your place of employment."

The police need a court order to pull off something like that. But Cap One says it has the right to get up close and personal anytime, anywhere.

Rick Rofman, 71, of Van Nuys received the contract update the other day. He was spooked by the visitation rights Cap One was claiming for itself.

"Even the Internal Revenue Service cannot visit you at home without an arrest warrant," Rofman observed.

Indeed, you’d think the 4th Amendment of the Constitution, which guards against unreasonable searches and seizures, would make this sort of thing verboten.

Apparently not.
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Old 02-19-2014, 11:06 AM   #31
blaise blaise is offline
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Originally Posted by mr. tegu View Post
I would imagine this is just posturing. You would have to owe an awful lot of money to make it worth their while to come to your house and ask for the money again.
For Cap One maybe, but I think they can hire a 3rd party to collect for them, and they might.
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Old 02-19-2014, 11:11 AM   #32
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I thought this was already squashed with Cap One coming out with a statement saying they won't come to your door.
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Old 02-19-2014, 11:13 AM   #33
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here.... http://money.cnn.com/2014/02/18/news...e-credit-card/
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Old 02-19-2014, 11:18 AM   #34
loochy loochy is offline
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Quote:
Originally Posted by Johnny Vegas View Post
I thought this was already squashed with Cap One coming out with a statement saying they won't come to your door.
Don't go to Frazod's door. He'll shoot you.
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yeah i may be a retard but I'll be the one banging your girlfriend when you're out with your friends.
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Old 02-19-2014, 11:21 AM   #35
J Diddy J Diddy is offline
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Don't go to Frazod's door. He'll shoot you.
I would much rather spend my money on hiring an Eastwood impersonator to answer my door with a gun telling them to get off my lawn.
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Old 02-19-2014, 11:37 AM   #36
BucEyedPea BucEyedPea is offline
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Originally Posted by blaise View Post
For Cap One maybe, but I think they can hire a 3rd party to collect for them, and they might.
Yeah, but there are laws for how far a collection agency can go. Like when they can call. They also cannot collect if an amount is in dispute.
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Old 02-19-2014, 11:40 AM   #37
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They do that here too, and they will take every penny plus YOUR bank charges a fee for it, leaving you a negative balance, then they tack on a negative balance and overdraw fees for anything in process.
I am not saying they're doing this for non-payment of bills. Just a related point on what other banks in Europe have done and are considering to do more of in Europe. Its due to the crisis of insolvent govts.
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