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 ...
“Dont honor your obligations and you dont have any rights!”
You aren’t an American, are you? We always have rights. It is one reason we are not an African third-world savage nation.
I guess once I have no rights I also have nothing to lose, so taking care of my attackers is simply a natural response.
“You arent an American, are you?”
My wife and I are both 5th generation southern Californians and our ancestors have been here for over 200 years.
Anyone that doesn’t pay their bills ON TIME belongs in prison!
“Californians”
“Anyone that doesnt pay their bills ON TIME belongs in prison!”
First, *snicker*, coming from a Kali, I am not surprised by your comments.
Second, then your entire State needs to be jailed, yourself included.
Third, this is the USA, not England. We got rid of our debtor’s prisons. Since you are terribly ignorant of such things, go research and find out why.
Fourth, no, you are not MY countryman. You belong in the Soviet Union or China someplace, but not a country of freedom and liberty. Fascism is your Kali style. I feel for the rest of the Americans in California outvoted by your kind.
Prison is legal, I would personally vote for execution!
You’re just a childish dumbass to say the least. You always mouth off about these things but would cry like a little girl if your own stupid ideas were used against you.
They can’t be because I have always paid all my bills in full upon receipt since I was 8 and had a job and bank account and that includes over 40 years in business.
Where is the exact text of the Federal Law?
Fair Debt Collection Practices Act.
Read it yourself.
Read it yourself.
That is for debt collection - the Credit Card agreement I posted is also for sales pitches for other products. They can still come and knock on your door to sell you stuff, like CC insurance services. The agreement just says "reference your account".
“They can still come and knock on your door to sell you stuff, like CC insurance services.”
They cannot violate local, State and federal laws regarding menacing, trespassing, harassment, etc. I don’t care what document they have on their person.
It’s easy. Don’t borrow money from them.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.