Capital One Says It Can Show Up At Cardholders’ Homes, Workplaces
February 18th, 2014Yeah, well, maybe people should call Capital One and cancel their accounts.
Via: Los Angeles Times:
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.”
…
Incredibly, Cap One’s aggressiveness doesn’t stop with personal visits. The company’s contract update also includes this little road apple:
“We may modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose.”
Now that’s just freaky. Cap One is saying it can trick you into picking up the phone by using what looks like a local number or masquerading as something it’s not, such as Save the Puppies or a similarly friendly-seeming bogus organization.
This is known as spoofing, and it’s perfectly legal. As I’ve written before, the federal Truth in Caller ID Act makes it a crime to use a phony number or caller ID message to commit fraud or cause harm to others.
But it’s not against the law to engage in what courts have called “non-harmful spoofing,” which includes businesses wearing digital disguises to penetrate a consumer’s phone defenses.
Research Credit: bretwalda
