General Discussion

Newsjock

(11,733 posts) Mon Feb 17, 2014, 10:31 PM Feb 2014

Capital One's new contract says it can show up at cardholders' homes, workplaces [View all]

Source: Los Angeles Times

... 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."

... "It sounds really invasive, but I don't think it's a violation of your 4th Amendment rights," said Daniel E. Kann, a Santa Clarita lawyer who specializes in illegal-search cases.

... Incredibly, Cap One's aggressiveness doesn't stop with personal visits. The company's contract update also includes this little road apple: "We may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose."

Read more: http://www.latimes.com/business/la-fi-lazarus-20140218,0,5011779,full.column

137 replies

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Highlight:

Capital One's new contract says it can show up at cardholders' homes, workplaces [View all] Newsjock Feb 2014 OP

time to cancel capital one cards eh? nt msongs Feb 2014 #1

Absolutely. Brigid Feb 2014 #7

I don't have their card or anything of the company yeoman6987 Feb 2014 #16

Exactly what does any of that info have to do with this post? HangOnKids Feb 2014 #88

Look at the user name. vdogg Feb 2014 #115

I already did. TexasTowelie Feb 2014 #52

Instead of cancelling the card, make sure the balance is zero and Jenoch Feb 2014 #57

Who the hell do they think they are? LiberalEsto Feb 2014 #2

are their "agents" armed? grasswire Feb 2014 #3

Let them, my little monster likes chew toys. hobbit709 Feb 2014 #4

I was thinking the same thing - TBF Feb 2014 #132

Do We Know If They've Usurped California's Rules ??? WillyT Feb 2014 #5

CA Rosenthal Fair Debt Collection Practices Act is veery strict and includes not only BlueCaliDem Feb 2014 #83

good info - thanks tomm2thumbs Feb 2014 #93

but haven't you agreed to the terms of their contract by keeping their card? magical thyme Feb 2014 #118

Of course. But that doesn't void your Consumer Credit Protection rights BlueCaliDem Feb 2014 #135

65 years old and haven't had a credit card yet madokie Feb 2014 #6

isn't that pretty much par for the course these days? "we can do what we like and furthermore we El_Johns Feb 2014 #8

I wonder how Cap One goons will fare under "Stand Your Ground" Vashta Nerada Feb 2014 #9

Took the idea right out of my head! bravenak Feb 2014 #11

I don't think it would go over well in Texas .... oldhippie Feb 2014 #21

No, they will show up at your work. Don't kid yourself. This is designed to be nothing more okaawhatever Feb 2014 #25

No, they wouldn't show up at my work ........ oldhippie Feb 2014 #30

My workplace IS my home. Lizzie Poppet Feb 2014 #99

That's what I thought. bravenak Feb 2014 #36

I second that sentiment. TexasTowelie Feb 2014 #55

What a gross violation of privacy. Cap One is truly one of the most evil companies in the world nt okaawhatever Feb 2014 #10

How would the 4th amendment even come up regarding a contract between RB TexLa Feb 2014 #12

It wouldn't. I was scratching my head at that one, too. n/t X_Digger Feb 2014 #13

FOR LAWYERS: Can a collector show up to a workplace Eleanors38 Feb 2014 #67

This message was self-deleted by its author WillowTree Feb 2014 #74

But that has nothing to do with the 4th amendment restrictions on government RB TexLa Feb 2014 #77

Not talking about the 4th. What do you think of #31 a #44? Eleanors38 Feb 2014 #85

I wasn't that concerned with them being able to go to workplaces to collect RB TexLa Feb 2014 #92

A collector can get into trouble at a workplace. Eleanors38 Feb 2014 #95

They'll send a drunk Alec Baldwin to your house. ForgoTheConsequence Feb 2014 #14

I hope all who have Capital One as a credit source have read this new contract. Jefferson23 Feb 2014 #15

Time to smack these vultures down. nt woo me with science Feb 2014 #17

Of course it doesn't break the 4th. That only applies to the evil gubermint. freshwest Feb 2014 #18

This is news? jazzimov Feb 2014 #19

Considering that this is a "contract update", Art_from_Ark Feb 2014 #75

Except for the part that says "we reserve the right to change the terms at any time". El_Johns Feb 2014 #102

I doubt that anyone interpreted that to mean Art_from_Ark Feb 2014 #104

no, but it's something of a red flag, wouldn't you say? It means they can set any conditions they El_Johns Feb 2014 #105

Yes, it is a red flag Art_from_Ark Feb 2014 #108

Capital Vone Gestapo vill take you avay to debtor's prison. democratisphere Feb 2014 #20

They haff *vayzz* ov makink you pay.......... lastlib Feb 2014 #56

Yez za do, zo pay ups o' elzzz..... democratisphere Feb 2014 #73

Presumably, if they act in a threatening manner, you are free to stand your ground. Orrex Feb 2014 #22

Yeah, what about this???? grahamhgreen Feb 2014 #116

Time to rethink my position on guns. nt TheMathieu Feb 2014 #23

Well, I could also show up at your home and place of work. You.... Logical Feb 2014 #24

So to a certain they extent, they are telling us... Beartracks Feb 2014 #40

Not sure, maybe when people complain they can say they agreeded to it. Nt Logical Feb 2014 #63

Why do people continue to bank with "bankers" Earth_First Feb 2014 #26

CU's rock. Great interest rates for home and car and credit cards. L0oniX Feb 2014 #33

re: non-default credit rating Earth_First Feb 2014 #35

It may not be the case for all CU's but mine requires perfect credit. L0oniX Feb 2014 #71

Just to have a regular account w/debit card? brett_jv Feb 2014 #98

Didn't say high credit score. A person with no previous credit history is ok. L0oniX Feb 2014 #131

I Love my Credit Union! It's small enough that everyone recognizes you when you walk in and are the adirondacker Feb 2014 #65

First of all, sometimes there isn't a local credit union Art_from_Ark Feb 2014 #81

I wish I could use a CU tabbycat31 Feb 2014 #128

If this language is in the original contract, any subsequent debt buyer could claim the same rights. ms.smiler Feb 2014 #27

No biggie,...go run out and get that 3d LCD TV.... Spitfire of ATJ Feb 2014 #28

Anyone doubt that they're just the first? drm604 Feb 2014 #29

They can't visit at work, Fair Debt Collection Practices Act treestar Feb 2014 #31

^^^ This^^^ truebrit71 Feb 2014 #44

In that case, TexasTowelie Feb 2014 #59

That's what I thought. Thanks. Eleanors38 Feb 2014 #72

if they claim they are not there to collect, only to wish you well? tomm2thumbs Feb 2014 #87

I'm not finding that Major Nikon Feb 2014 #119

An employer who allows it would be so odd treestar Feb 2014 #123

I can't imagine too many employers specifically allowing it Major Nikon Feb 2014 #125

Dumped them way before the crash. They were and still are scum bags! L0oniX Feb 2014 #32

There ought to be a million ex-cardholder march past their corporate offices rocktivity Feb 2014 #34

I'll cancel tomorrow. Don't 840high Feb 2014 #37

They send someone out to see "what's in my wallet?" Will they.... Beartracks Feb 2014 #38

Almost makes me wish I had one, so I could send it back in pieces . . . hatrack Feb 2014 #39

If more people would simply wait passiveporcupine Feb 2014 #41

I'm going to have to be the lone dissenter here, it looks like... LAGC Feb 2014 #42

The problem is that the goon who shows up at your door is not going to be kcass1954 Feb 2014 #50

A quote-unquote "emergency", circa 2004, eh? brett_jv Feb 2014 #101

I was "out-of-circulation" for awhile. LAGC Feb 2014 #103

Say no more, say no more ... brett_jv Feb 2014 #107

So somebody defaults on a contract letmebefrank Feb 2014 #43

I don't think that's what people are reacting to. Silent3 Feb 2014 #54

letmebefrank, for a business owner, you are surprisingly unfamiliar with the operation of our ms.smiler Feb 2014 #68

I envy you your self-control. :-) WinkyDink Feb 2014 #122

When I was in biz, I could not go to a debtor's workplace Eleanors38 Feb 2014 #91

LOL 6 years on the board and 16 posts in and you come up with this post? HangOnKids Feb 2014 #94

The air has a smell of sock puppet, huh? That was my first reaction too, after checking the profile Ghost in the Machine Feb 2014 #112

The mortgage company, IOW the people who actually OWN your house ... who you owe $100K+ to ... brett_jv Feb 2014 #100

I know what's NOT in my wallet .... nt littlewolf Feb 2014 #45

To everyone considering canceling their Capial One cards...! TroglodyteScholar Feb 2014 #46

Capital One has been good to me quinnox Feb 2014 #47

So you are ok with what the OP is pointing out? nm rhett o rick Feb 2014 #48

Honestly, it doesn't bother me quinnox Feb 2014 #51

You might just have something. Just relax and it wont hurt a bit. Drink the corporatist kool-aid. rhett o rick Feb 2014 #58

Look, I know lots of people hate Capital One quinnox Feb 2014 #60

I can't wait! another_liberal Feb 2014 #49

That's kinda the way I feel about it ..... oldhippie Feb 2014 #62

I wish I had a Cap One card Hoppy Feb 2014 #53

they don't need my business. barbtries Feb 2014 #61

Anyone have suggestions of other Visa cards I can switch to? Kablooie Feb 2014 #64

I believe a credit union card might be a good start --some don't require too specific a 'membership' tomm2thumbs Feb 2014 #90

Good idea. I belong to a couple of credit unions. Kablooie Feb 2014 #96

betcha they'll love the chance to swap your balance over too tomm2thumbs Feb 2014 #97

I need CapOne a lot less than they need me. lpbk2713 Feb 2014 #66

They're not in my wallet! IAmKirak Feb 2014 #69

DUZY ! ! ! tomm2thumbs Feb 2014 #84

Answer the door in your swimsuit edition. Eleanors38 Feb 2014 #70

i declared bankruptcy and they are on the list madrchsod Feb 2014 #76

Want to see people getting a fake ID and a Capital One card ASAP... Moostache Feb 2014 #78

Your standard Turbineguy Feb 2014 #79

In Texas, they cannot misidentify themselves on the phone or call too often: mbperrin Feb 2014 #80

The problem is... LAGC Feb 2014 #86

I own a house and a dozen rental properties and never mbperrin Feb 2014 #137

Just ripped up a Capital One credit card invitation - trash, just like the company sending it tomm2thumbs Feb 2014 #82

I have an outstanding acct. with them from 2004 ... $500 limit card ... brett_jv Feb 2014 #89

brett_jv, please don’t offer these scammers any money. ms.smiler Feb 2014 #106

Lately I've been getting a shitload of calls on my mobile phone from Midland... LAGC Feb 2014 #109

LAGC, believe me when I tell you that Midland’s autodialer will be calling you for years, yes years. ms.smiler Feb 2014 #111

Thanks for the great advice ... brett_jv Feb 2014 #110

brett_jv, you are very welcome. ms.smiler Feb 2014 #114

It's not Cap One doing this, it's the bottom feeder collection agency that bought it for pennies. hobbit709 Feb 2014 #117

This is true ... but still they could work with/sell collections only to more reputable agencies ... brett_jv Feb 2014 #136

Who would WANT one of those cards? A hearty eff you to Capital One, I say! nt MADem Feb 2014 #113

so...are they going to use those vikings? nt Javaman Feb 2014 #120

no capital one cards here... ProdigalJunkMail Feb 2014 #121

Some large dogs will meet them at my gate KinMd Feb 2014 #124

There are alwqys old fashioned answering machines as an option Tom Rinaldo Feb 2014 #126

They say ("We may modify or suppress caller ID and similar services.....) nolabels Feb 2014 #127

What's in MY wallet? Not a fuckin' Capital One card, that's for goddamn sure! NT Adrahil Feb 2014 #129

I'm usually not a fan of 'stand your ground tabbycat31 Feb 2014 #130

LOL, it's amazing people are getting so worked up over this. cbdo2007 Feb 2014 #133

Invest in a good shredder CountAllVotes Feb 2014 #134