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Heads Up Capital One Cardholders: Capital One May Come Knocking — Literally

Credit Cards
Joe Raedle,Getty Images

Do you have a Capital One credit card? If so, you may want to double check that you pay your bill on time.

Capital One says it may show up at your home or work if you don’t pay your bill. Can you say creepy?! You would think if police officers have to have a court order to come a-knockin’ but Capital One says they can do what they want, when they want.

According to the Los Angeles Times, 71-year-old Rick Rofman received a contract update from Capital One with new terms and conditions. He read the contract and noticed the “visitation rights” that Capital One was claiming for itself.

What about our Fourth Amendment, which protects us from unreasonable searches and seizures? The IRS can’t even visit your home without a warrant.

According to a Santa Clarita lawyer Daniel E. Kann, who specializes in illegal-search cases, says the Fourth Amendment really just applies primarily to searches and seizures by law enforcement, not civilians. So what he is saying is a credit card company could reserve the right to visit your home or office without a court order. Again, what!?

Can you say harassment? Stalking? Seriously. But wait folks.

According to Los Angeles Times, Capital One doesn’t stop with personal visits. The company’s contract update also includes this:

“We may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose.”

So let me get this right, Capital One is admitting to “tricking” customers by using local “fake” phone numbers. Crazy!

Guess what’s “not in my wallet?” That’s right, bye, bye Capital One Card!

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