Financial News

Capital One May Now Visit Your House Or Your Job

Capital One May Now Visit Your House Or Your Job

by Barry Burch Jr.

Who is that banging at the door like the police?  Capital One?  The credit card?

How could it be that this credit card company can actually come to your home or to your place of work?  Even the police need a court order.  According to the latest contract update, obtained by KTLA5, Capital One is asserting that they can visit either of these places at any time they choose.

Though Capital One makes clear that they can make these personal visits, the reason for them must be implied.  Moreover, the company informs customers that they can modify or suppress their Caller IDs, stating that “we may contact you in any manner we choose,” while at the same time, not specifying what that manner includes.

An attorney who specializes in illegal-search cases, Daniel E. Kann, offered his thoughts on the contract update.  “It sounds really invasive, but I don’t think it’s a violation of your 4th Amendment rights,” he said.  He added that because the amendment applies to search and seizures by police and not by civilians, a credit card company would be able to make personal visits absent a court order.

Kann did; however, highlight stalking as a completely different story.  Capital One cannot just barge into your home or get comfy in your office chair.

While Capital One does not specify why it would modify or suppress Caller IDs, one can only assume that the company might pretend to be another in hopes of receiving payment.  Executive director of the California Public Interest Research Group, Emily Rusch, does not consider this a good idea.

With recent scares from companies like Target, Neiman Marcus and several others, the timing could not be worse.  “Now more than ever, consumers need to be able to trust companies,” said Rusch.

A representative of Capital One, Pam Girardo, claims that the wording in the company’s contract could be perceived as misleading and will be reviewed.

“Capital One does not visit our cardholders, nor do we send debt collectors to their homes or work,” she said.  The only exception, she explained, is for sporting vehicles like Jet Skis and Snowmobiles.

With regard to Caller ID, Girardo says that was totally innocent as well.

“Actually, we want our calls to display as Capital One on Caller ID, and that’s the way they are programmed,” she told KTLA-TV5.  “However, some local phone exchanges may display our number differently.  This is beyond our control, and we want our cardholders to be aware of that potential occurrence.”

Barry is an award-winning writer and political scientist.  His business, “Barry Writes,” provides biographies, speeches, press releases and so forth to individuals and businesses in need of potent and compelling literature.  Reach him @ and

Financial News

Lawrence Watkins is the founder of Great Black Speakers, FlexPads, and co-founder of Watkins Media Group. He writes because he feels like it makes him a more productive entrepreneur and hopes that others can learn from his journey. Lawrence has a B.S. in Electrical Engineering from the University of Louisville and an MBA from Cornell University. He is also a member of Management Leadership for Tomorrow and The Young Entrepreneur Council.

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