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Capital One fine print: Reps can come straight to your door, rule not enforced

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The Capital One fine print rules provide company representatives with the legal right to come right to your front door at your home or your workplace if they desired. Although this regulation isn’t necessarily new and fortunately not often enforced, it has come into the public spotlight this week after a close-reading LA Times columnist revealed the power that the credit card company has in entering their users’ personal space. The Epoch Times reveals this Tuesday, Feb. 18, 2014, that Capital One has quite a few updated rights when customers sign their contracts that the general public may not be aware of, and the public has given its own outcry against these measures.

The fine print in Capital One documents and contracts describe a number of credit card policies and company procedures, but one lesser-known fact making news today is the understanding that Capital One reps can actually contact people directly if they so choose. And that doesn’t mean just through a phone call or via email, but by actually coming to the front door of your home or work location.

These considerable powers garnered national awareness after an LA Times writer recently discussed Capital One’s capabilities in the fine print of their lengthy contracts with customers. But while the credit card rules give the company the right to come directly to your door, Capital One promises customers that is almost never actually resorts to these invasive circumstances.

“Capital One does not visit our cardholders, nor do we send debt collectors to their homes or work,” the bank confirmed in an email statement to a national news station.

However, bank executives from Capital One are allegedly in the process of possibly altering these rules after a number of customers were outraged at what the column made known to the public. In fact, a new agreement might be underway in the near future that doesn’t give Capital One the ability to come to the workplace or home of their users.

“We’re considering creating two separate agreements given this language doesn’t apply to our general cardholder base,” added the bank.

Twitter and Facebook quickly spread news of the Capital One fine print issue, and a wide span of people took to the social media sites to let the banks know that they weren’t happy with such an existing policy. Wrote on user on Twitter against having reps coming to the door:

“They know what’s in my wallet … Now they want to know what’s in my fridge?”

Added a Washington Times columnist on the Capital One controversy:

“This is my bank; maybe it’s time to find a new one,” wrote Joseph Curl a short while later.

Some other people who learned of the fine print made public statements to the company not to think about having representatives arriving to their homes unannounced, though the bank has again made it clear that they do not enforce such an invasive rule, despite it being in their contracts.



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