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Capital One Can Visit You At Home Or At Work, According To New Contract

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Major corporations routinely make updates to company policy and require consumers to agree to verbose, lengthy legal statements. Most of the time, those updates are harmless to the individual consumer, and serve simply as legal protections for the company. A new Capital One contract update, however, may have overstepped some boundaries. 

According to the Los Angeles Times, the credit card company’s contract update includes terms that suggest that corporate representatives can visit customers at home unannounced. 

The specific language used claims that the company “may contact you in any manner [they] choose,” including for a “personal visit.” The contract also says the visits can be “at your home and at your place of employment.” 

These terms seem to indicate that Capital One representatives could legally show up on your doorstep to discuss your credit card plan, an act that would be deemed highly illegal by government organizations due to protections offered by the Fourth Amendment of the U.S. Constitution. 

According to The Blaze, the strange provision was pointed out by 71-year-old Los Angeles resident Rick Rofman, who claimed that it had overreaching implications. 

“Even the Internal Revenue Service cannot visit you at home without an arrest warrant,” Rofman said. 

Company spokeswoman Pam Girrardo maintained that the new policies are nothing to worry about. Girrardo explained that the company included the language about visiting homes in the unlikely event that they need to repossess a large item such as a car. 

“Capital One does not visit our cardholders, nor do we send debt collectors to their homes or work,” Girrardo said, quelling any suspicion of otherwise nefarious corporate activity.

The updated contract also includes language that suggests Capital One can legally suppress or modify its Caller ID in order to trick customers into thinking that someone else is calling.

“Actually, we want our calls to display as Capital One on caller ID, and that’s the way they are programmed. 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 difference,” Girrardo said. 


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