Capital One's new mascot.
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 ...
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.
Capital One's new mascot.
“Describe what Richard Fairbank looks like.”
My dogs can’t read.
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.
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.
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!
Pretty much what I do with it
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.”
The minimalist spots are a marked departure from other Capital One ads featuring stars like Alec Baldwin and Jimmy Fallon,
People don’t read the terms and plan
If they look at these guys like they’re loan sharks it would save the trouble
Lawyers will have a field day with this and the Fair Debt Collection Practices Act...
Will they send Alec Baldwin or Samuel L Jackson?
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.
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!
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.
what pisses me off is when you cancel a card your crdit rating gets dinged down.
The Fourth Amendment says nothing about government entities.
Capital One spokesman include commies Alec Baldwin and Samuel Jackson. For that reason alone I refuse to use them.
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.
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