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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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