Late With the Credit Card Bill? Pay It or Capital One Will Ring Your Doorbell
The famous issuer of credit cards and bank recently sent its customers a contract update with some choice wording that has a bunch of people scared and worries that their lives are about to get a little more stressful.
In a recent contract update, Capital One specified that “we may contact you in any manner we choose.” Any manner they choose means telephone calls, emails, postal mail, courier service mail, and, get ready for it, a “personal visit.”
And if that doesn’t have you too worried, the updated contract goes even further and states that these visits can be “at your home and at your place of employment.” This updated contract has hundred of Cap One customers worried about the oncoming harassment that they may now have to face.
Cap One said that they have the right to perform these sort of visits, but it should be noted that even the police or the IRS cannot do this without a warrant for either search and seizure or arrest.
Rick Rofman, 71, of Van Nuys spoke with the LA Times and pointed out that, “Even the Internal Revenue Service cannot visit you at your home without an arrest warrant.”
And although you may think this is a blatant violation of your 4th Amendment rights, think again. Daniel Kann, a Santa Clarita lawyer, said in an interview with the LA Times that, “It sounds really invasive, but I don’t think it’s a violation of your 4th Amendment rights.” Kann specializes in illegal-search cases.
Furthermore, Cap One stipulates in their updated contract that they “may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose.”
The act is called spoofing and it’s legal if the spoofing is done without harmful intent noted David Lazarus in his piece in the Times.
So what do you think of Capital One’s new contract? Does this make you want to stick with the bank or ditch it for a more friendly service provider? Thoughts are appreciated in the comments!