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 ...
People are missing the salient fact here........ you can’t close an account with a $3,245.73 past due more than 90 days.
One of the first jobs I could find after I got out of the Service in 1970 was with Great Western Finance Company in Texas as an “assistant manager” (code word for “bill collector”). I was taught every trick in the book and this is SOP for all finance companies and collection agencies to this day.
In 1971 there were some restrictions placed on collection practices but they were easily circumvented and CTI is still operating as we did back in 1970.
I didn’t last too long there for I hated to lie to customers and worse yet, I came very close to serious injury and even death several times. However, it was the only job I could find at the time.
“Even the Internal Revenue Service cannot visit you at home without an arrest warrant,” Rofman observed.
Capital One = CTI. My bad.
Don’t use a credit card - especially from Capital One.
If you take their money, they own you.
If one doesn’t pay his bills bill collectors appear........am I missing something?
The 4th Amendment of the Constitution is to keep the government out of your place. If the credit card company issues cards with that condition, you don’t have to get a card. Use cash.
Sorry bud. Outrage is misplaced here.
I am continuously getting the one year interest free cards and cancelling them when the year is up and am continuously being solicited for more credit cards. I have an excellent credit rating . Never carry a high balance. My present card has a 10.99% rate. When this card expires I will hit them up for a lower rate and fully expect to get it!!!
Its starting to make sense now. Last year I wondered. why Capitol One stuck with Alex Baldwin as their highest profile spokesman, in spite of his boorish, violent behavior in public. Alex, with his primitive Stormtrooper brand of diplomacy, turns out to be the very model of a modern Capitol One Agent.
I chop up the contents of these sollicitations and send them back in their postage paid envelopes.
If a Sam Jackson type comes knocking, I ain’t answering the door. Suddenly, I’m busy, real busy.
Alec Baldwin, Gordon Ramsay, Jimmy Fallon, those vikings… Samuel L. Jackson is the newest spokesman for Capital One, promoting the McLean, Va-based bank’s new cash back card, dubbed Quicksilver.
Last time I checked, Capital One was not a government agency. Unless that has changed, neither the Fourth Amendment nor any other part of the Constitution restricts its activities. The Constitution was written to restrict the Government, not the People.
it’s what their predecessors in the loan sharking biz used to do to their customers- a variation of sorts. That and the interest rate is the only difference between the two, but both are more alike than they resemble a visa or mc, which are quite different
That’s what I should do to AARP
You have it exactly backwards. Fishburne is the CSI guy, late of Morpheus fame in the Matrix trilogy.
Jackson is the credit card shill.
“...debt collectors cannot go to your place of work.”
This might be true at the federal level too, there are a lot of restrictions on how one goes about collecting a debt.
And I suppose they can call on you, but you certainly don’t have to speak with them.
AARP must’ve gotten my message.
They’re down to one mailing a month...
Ring-a-ding-ding.
Hello, sheriff. There’s a stranger on my porch, and I believe he has a gun. He looks kinda like that convict who escaped last month.
Try again. There is no specific mention of government in the Fourth Amendment. Any private entity that tries to violate the rights enumerated there is just as culpable as government.
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