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Capital One says it can show up at cardholders' homes, workplaces
LA Times ^ | 2/17/2014 | LA Times

Posted on 02/17/2014 10:22:16 PM PST by Dallas59

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.

(Excerpt) Read more at latimes.com ...


TOPICS: Constitution/Conservatism; Crime/Corruption; Culture/Society
KEYWORDS: beseeingyou; bigbother; capitalone; credit; harassment; privacyrights; search
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1 posted on 02/17/2014 10:22:17 PM PST by Dallas59
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To: Dallas59

These people are constantly sending loan offers.

They are obviously loan sharks in every sense. I always shred the solicitation.


2 posted on 02/17/2014 10:25:29 PM PST by stanne
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To: Dallas59

I know for a fact that, in Florida, debt collectors cannot go to your place of work. Had a lawyer verify that for me.


3 posted on 02/17/2014 10:27:22 PM PST by looois
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To: Dallas59
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4 posted on 02/17/2014 10:29:37 PM PST by Brandonmark (OWCM is The new American Minority! 11.06.12 - Day of Infamy!)
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To: Dallas59

Isn’t this the company that had the “What’s in your wallet” commercials with Vikings/pirates?


5 posted on 02/17/2014 10:30:56 PM PST by KJC1
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To: Dallas59

Easy enough to stop cancel their credit card.

What happens if they stop by for a visit and you call the police telling them that they stopped by and you went to the bathroom and when they left there was $100.00 dollars missing from your purse.

Another mind numbingly stupid idea. Bet the person who thought up this idea got all A+ in school. Come to think about it it is way, way beyond mind numbingly stupid.


6 posted on 02/17/2014 10:32:04 PM PST by chiefqc
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To: Dallas59
"Even the Internal Revenue Service cannot visit you at home without an arrest warrant," Rofman observed.

The IRS showed up at my front door about a year ago. They were looking for a person. I knew the person, who used to live in the house. So they do come out.

7 posted on 02/17/2014 10:32:21 PM PST by BunnySlippers (I LOVE BULL MARKETS . . .)
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To: Dallas59

If I had a banking or credit card representative show up at my work or home, I would within a day or two close my account.


8 posted on 02/17/2014 10:32:25 PM PST by Jonty30 (What Islam and secularism have in common is that they are both death cults)
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To: stanne
These people are constantly sending loan offers.

You can opt out.

9 posted on 02/17/2014 10:34:26 PM PST by SandyInSeattle (Go HAWKS!!!)
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To: Jonty30

I’d close my account within ten minutes of closing the door in their rep’s face.


10 posted on 02/17/2014 10:34:56 PM PST by TigersEye (Stupid is a Progressive disease.)
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To: Jonty30

Oh, I am sure this is for people who have closed out their account but who cannot pay off their loan.


11 posted on 02/17/2014 10:35:25 PM PST by stanne
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To: Dallas59

Release the hounds.


12 posted on 02/17/2014 10:36:19 PM PST by Kirkwood (Zombie Hunter)
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To: SandyInSeattle

I don’t want ANY contact with them, but I ought to opt out.


13 posted on 02/17/2014 10:36:49 PM PST by stanne
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To: Dallas59

As a non gov entity the company and it’s employees are not
bound by the same legal restraints. They CAN pretty much
show up as they wish.....and you at your home and management
at your place of business can just as rightfully tell them
to depart forthwith and with haste or be arrested. If they show up unannounced, uninvited and unwanted and are told to
leave immediately and fail to do so they are then trespassing and NEED to be arrested.


14 posted on 02/17/2014 10:37:03 PM PST by nvscanman
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To: Kirkwood

Read the fine print.


15 posted on 02/17/2014 10:37:33 PM PST by stanne
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To: stanne

I believe the opt out is through the three credit monitoring companies, not Capital One itself.

I need to do that with Alaska Airlines, I just haven’t gotten around to it. I get a credit offer from them once a week. They are single-handedly keeping the post office afloat.


16 posted on 02/17/2014 10:39:19 PM PST by SandyInSeattle (Go HAWKS!!!)
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To: Dallas59

My dad has one...good thing, his address on CAP1 is a po box LOL


17 posted on 02/17/2014 10:40:22 PM PST by max americana (fired liberals in our company last election, and I laughed while they cried (true story))
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To: Dallas59
They still have to obey laws as anyone else. If they are on your property, you can ask them to leave.

If they come to your place of work, they can be told to leave.

18 posted on 02/17/2014 10:42:14 PM PST by mountn man (The Pleasure You Get From Life Is Equal To The Attitude You Put Into It)
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To: Dallas59

Pay your bill every month and they won’t have any reason to visit you.

Don’t pay and they should get in your face!


19 posted on 02/17/2014 10:45:44 PM PST by dalereed
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To: Dallas59
I used to work with a guy who went to the casino and lost all his money playing blackjack so he took out a $5,000 credit line and lost all that too. He had to take a second job to pay it off, where I worked, and guys in suits showed up every single day to make sure he was there.
20 posted on 02/17/2014 10:47:18 PM PST by Manic_Episode (GOP = The Whig Party)
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To: Dallas59
Having worked for a finance company in the ‘80s, visiting a client's home or office is called a ‘field call’. Unless otherwise advised by the client, such visits were perfectly legal in Ontario and I would presume, the US. That said, if the client told you that they did not want such visits, you had to obey their wishes. Also, if they said no phone calls, you had to obey their wishes. IIRC, there was no limit on the number of letters you could send them.

Before it got to this stage, I would explain that if their account was behind, and they were unwilling to make repayment arrangements, there were options available to recover such debt including repossession (if a lien had been registered), referral to a collection agency or legal action. No intimidation or threat was ever made, merely an explanation of options to recover the debt.

21 posted on 02/17/2014 10:51:01 PM PST by A Formerly Proud Canadian (I once was blind, but now I see...)
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To: Dallas59

Capital One's new mascot.

22 posted on 02/17/2014 10:52:44 PM PST by Moonman62 (The US has become a government with a country, rather than a country with a government.)
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To: Dallas59

“Describe what Richard Fairbank looks like.”

23 posted on 02/17/2014 10:55:55 PM PST by RichInOC (No! BAD Rich! (What'd I say?))
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To: stanne

My dogs can’t read.


24 posted on 02/17/2014 10:56:25 PM PST by Kirkwood (Zombie Hunter)
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To: Dallas59

Anyone can show up at your door at any time, absent some kind of posted signs / covenants. It’s whether they have the legal right to gain entry that remains to be seen. I suppose if you sign a contract giving your credit card company carte blanche to your home, that’s your fault.


25 posted on 02/17/2014 10:58:23 PM PST by andyk (I have sworn...eternal hostility against every form of tyranny over the mind of man.)
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To: Dallas59

I trust the news media even less than credit card companies. On the two pages on which the article appears there is a total of four ads for outfits that claim to help consumers choose the best credit cards.


26 posted on 02/17/2014 11:00:06 PM PST by Brad from Tennessee (A politician can't give you anything he hasn't first stolen from you.)
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To: Dallas59

Well, there is that little FDCPA thing.

But that was from back when the government told banks what they had to do instead of the other way around!


27 posted on 02/17/2014 11:01:58 PM PST by djf (OK. Well, now, lemme try to make this clear: If you LIKE your lasagna, you can KEEP your lasagna!)
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To: Kirkwood

Pretty much what I do with it


28 posted on 02/17/2014 11:07:20 PM PST by stanne
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To: Dallas59

Capital One (COF) last week unveiled a commercial featuring the actor Samuel L. Jackson and his celebrated forthright delivery, including of a promise to offer credit card rewards “every damn day.” The profanity is tame by most standards, especially from someone known for using much saltier language in films like “Snakes on a Plane.”

But the commercial sparked an outsized reaction from angry commenters at various websites, including AmericanBanker.com, BankInnovation.net, and credit card discussion forums. Some of those people threatened to close their accounts or stop using their cards. Now Capital One is replacing at least some airings of the profanity-laced ad with a more G-rated version, in which Jackson promises rewards “every single day.”


29 posted on 02/17/2014 11:10:16 PM PST by kcvl
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The minimalist spots are a marked departure from other Capital One ads featuring stars like Alec Baldwin and Jimmy Fallon,


30 posted on 02/17/2014 11:12:09 PM PST by kcvl
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To: dalereed

People don’t read the terms and plan

If they look at these guys like they’re loan sharks it would save the trouble


31 posted on 02/17/2014 11:12:37 PM PST by stanne
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To: Dallas59
Dewey, Cheatem and Howe

Lawyers will have a field day with this and the Fair Debt Collection Practices Act...

32 posted on 02/17/2014 11:17:18 PM PST by Snickering Hound
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To: Dallas59

Will they send Alec Baldwin or Samuel L Jackson?


33 posted on 02/17/2014 11:27:42 PM PST by funfan
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To: All

The actual words...

Communications.

We may contact you from time to time regarding your Account. We may contact you in any manner we choose unless the law says that we cannot. For example, we may:
(1)
contact you by mail, telephone, email, fax, recorded message, text message, or personal visit;
(2)
contact you using an automated dialing or similar device (“Autodialer”);
(3)
contact you at your home and at your place of employment;
(4)
contact you on your mobile telephone;
(5)
contact you at any time, including weekends and holidays;
(6)
contact you with any frequency;
(7)
leave prerecorded and other messages on your answering machine/service and with others; and
(8)
identify ourselves, your relationship with us, and our purpose for contacting you even if others might hear or read it.

Our contacts with you about your Account are not unsolicited and might result from information we obtain from you or others. We may monitor or record any conversation or other communication with you. Unless the law says we cannot, we may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose. When you give us or we obtain your mobile telephone number, we may contact you at this number using an Autodialer and can also leave prerecorded and other messages. We may do these things whether we contact you or you contact us.


34 posted on 02/17/2014 11:44:37 PM PST by az_gila
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To: Dallas59; All

What’s in your wallet?

An I.E.D. Get that I.E.D. out of your wallet. OZero interest on your savings (FU FED), explosive interest on your debt card.

Why plunder yourself? Hasn’t the government plundered you enough?

Socialism Is Legal Plunder

Legal Plunder Has Many Names

Now, legal plunder can be committed in an infinite number of ways. Thus we have an infinite number of plans for organizing it: tariffs, protection, benefits, subsidies, encouragements, progressive taxation, public schools, guaranteed jobs, guaranteed profits, minimum wages, a right to relief, a right to the tools of labor, FREE CREDIT, and so on, and so on. All these plans as a whole — with their common aim of legal plunder — constitute socialism.

The Law

Bastiat

(CAPS-mine)

Debt slave ALERT!


35 posted on 02/17/2014 11:46:01 PM PST by PGalt
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To: Dallas59

I would advise Capital One to think this one over.

There are strict rules about what you can and can’t do these days, and I don’t think you’re allowed to go to a person’s work-place.

You could really take them to the cleaners..., have them absolve your total debt perhaps.


36 posted on 02/17/2014 11:54:18 PM PST by DoughtyOne (Immigration Reform is job NONE. It isn't even the leading issue with Hipanics. Enforce our laws.)
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To: Jonty30

what pisses me off is when you cancel a card your crdit rating gets dinged down.


37 posted on 02/17/2014 11:55:42 PM PST by Secret Agent Man (Gone Galt; Not averse to Going Bronson.)
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To: nvscanman

The Fourth Amendment says nothing about government entities.


38 posted on 02/17/2014 11:56:24 PM PST by Olog-hai
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To: Dallas59

Capital One spokesman include commies Alec Baldwin and Samuel Jackson. For that reason alone I refuse to use them.


39 posted on 02/18/2014 12:02:53 AM PST by albie
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To: Dallas59

We have no credit cards or consumer debt. We went full-on Dave Ramsey right after we got married several years ago and love not making payments.


40 posted on 02/18/2014 12:21:30 AM PST by SoDak
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To: albie

“Capital One spokesman include commies Alec Baldwin “

And that is exactly the reason I cancelled my card many moons ago.


41 posted on 02/18/2014 12:21:47 AM PST by animal172 (Calling Thomas Jefferson)
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To: Dallas59

!


42 posted on 02/18/2014 12:29:34 AM PST by skinkinthegrass (The end move in politics is always to pick up a gun..0'Caligula / 0'Reid / 0'Pelosi)
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To: Dallas59

To no one in particular - Given the connections & behavior between the Federal Reserve, the government, and the financial institutions, anyone rooting for any of the three is mad.


43 posted on 02/18/2014 12:33:23 AM PST by PghBaldy (12/14 - 930am -rampage begins... 12/15 - 1030am - Obama's advance team scouts photo-op locations.)
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To: Dallas59

Sign their agreements and live by their rules. It’s just like bounty hunting. The bounty hunter has a lot more freedom than the cops because the criminal signed away his rights when he asked you to bail him out of jail.


44 posted on 02/18/2014 12:35:31 AM PST by VerySadAmerican (".....Barrack, and the horse Mohammed rode in on.")
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To: funfan

Jackson is not the Capital One guy that’s Fishburne.


45 posted on 02/18/2014 1:32:48 AM PST by Conspiracy Guy (Did the ancients know they were ancients? Or did they see themselves as presents?)
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To: RichInOC

That’s Jackson. Fishburne is the Capital one guy.


46 posted on 02/18/2014 1:35:11 AM PST by Conspiracy Guy (Did the ancients know they were ancients? Or did they see themselves as presents?)
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To: albie

Jackson is not involved with Capital One. Laurence Fishburne is.


47 posted on 02/18/2014 1:36:33 AM PST by Conspiracy Guy (Did the ancients know they were ancients? Or did they see themselves as presents?)
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To: Dallas59; Revolting cat!; GeronL
"What's inside your wallet, comrade?"


48 posted on 02/18/2014 1:40:12 AM PST by a fool in paradise ("Health care is too important to be left to the government.")
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To: Moonman62

That’s a good one.


49 posted on 02/18/2014 2:24:14 AM PST by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: Olog-hai

The BOR and the rest of the Constitution were written and
instituted as specific guidelines for the creation, function and most importantly CONTROL of government and it’s
actions. As such a private entity such as Capital One in
this instance is not covered by or subject to ANY of the
same restraints that government should be held to.

The Fourth Amendment does not NEED to say anything about
government entities....the entire document is in reference
to government.


50 posted on 02/18/2014 2:26:26 AM PST by nvscanman
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