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Elderthedog LuckyBdx4 ...and 2 more 1562 Capital One New Terms of Service State It Can Show Up at Cardholders laces for any reason (ktla.com) submitted 7 hours ago by plumbobber 423 comments share top 200 commentsshow all 423 sorted by: best [ ]tyresoflaherty 299 points 6 hours ago Terrible link. Two different video ads simultaneously which I couldn't silence. Here is the original story from the LA Times. permalink [ ]go_kart_mozart 59 points 2 hours ago Didn't notice any of this with adblock and noscript. permalink parent [ ]LavenderGumes 12 points 2 hours ago Can you get plug ins like that on mobile? permalink parent [ ]Max_Kas_ 6 points 2 hours ago There is an adblocker app for iPhone that runs your traffic through a google (or custom) proxy. It's actually quite impressive how it works. It's called WebBloc k. AppStore link permalink parent [ ]MontagneHomme 9 points 2 hours ago You can run Adblock on a rooted android 2.1 and up, but I haven't had a need to tackle scripts yet. permalink parent [ ]LavenderGumes 2 points 2 hours ago Cool thanks. Homes, Workp

permalink parent load more comments (1 reply) [ ]SycoJack 2 points 2 hours ago You can run adblock on a non-rooted phone took. I have not rooted my Motorola Droid X2(?), but have adblock installed on Firefox . Unless what you mean is you can ran adblock at the OS to block app ads. permalink parent [ ]caul_of_the_void 3 points 1 hour ago You can. I believe the one I have is called AdAware (I'm buzzed and lazy at the moment, so not checking). Anyway, I never see ads when going to links from Reddit is Fun or any other app, so I believe it is at the OS level. permalink parent load more comments (1 reply) [ ]death-by_snoo-snoo 2 points 1 hour ago You can also run it on non-rooted, but it only works over wi-fi. permalink parent [ ]Saicotic 1 point 1 hour ago Naked Browser Pro has a form of Noscript built in. I don't don't think it needs root but I'm not positive. permalink parent [ ]Linkstothevoid 2 points 2 hours ago You can get AdBlock on android without root, or AdAway with root. I rooted my ta blet almost exclusively for the ability to use AdAway, because it is far and awa y better than AdBlock on mobile. permalink parent [ ]LavenderGumes 2 points 2 hours ago I'm not sure about rooting my mobile because I don't want to have to worry about app permissions and fucking up my phone. Should I be worried or not? permalink parent

[ ]frothewin 2 points 2 hours ago No, it's completely safe. It only gives you admin privileges, giving you write a ccess to the root folder. permalink parent [ ]untroller 1 point 1 hour ago Link for the lazy: https://adblockplus.org/en/android-install You need to enable install apps from non-market sources (and then you should dis able it, because if you don't already have Adblock on your phone, you should pay attention to security concerns) permalink parent [ ]zandar_x 1 point 1 hour ago http://noscript.net/nsa/ Noscript for Android. It does not work well with the Galaxy 3 from my experience . permalink parent load more comments (2 replies) [ ]adonis8 5 points 3 hours ago Try No-Script -- I didn't see any video ads. However, the article was only about 5 sentences long, so No-Script does have some side effects, unless that's all t hat was there to start with. permalink parent [ ]rjchau 7 points 3 hours ago That's all there seemed to be. permalink parent [ ]adonis8 14 points 3 hours ago Well, there you go. With No-Script I got all of the watermelon and none of the s eeds, it was just a small watermelon. permalink parent load more comments (1 reply) [ ]Gideonbh 1 point 2 hours ago Does it work on Hulu?

permalink parent load more comments (27 replies) [ ]saguarro_you_today 119 points 6 hours ago Ding-dong. "WHAT'S IN YOUR WALLET?!" permalink [ ]princeps_fossor 139 points 5 hours ago "Nothing bitch! That's why I ain't paid you!" permalink parent [ ]saguarro_you_today 38 points 3 hours ago Your balance has now been charged a $32 Transaction Fee. permalink parent [ ]adonis8 26 points 3 hours ago Because we processed this charge before we deposited your paycheck, you've also generated a $37 insufficient funds fee. permalink parent [ ]AtheistComic 20 points 2 hours ago We visited your home. You are now charged with a $3700 site visit fee. You need to book a rescheduled visit because we didn't finish our new advertisem ent before you closed the door. permalink parent [ ]cecilkorik 7 points 1 hour ago There will be a $15 rescheduling fee. permalink parent [ ]Enthusiastically [score hidden] 54 minutes ago You didn't have a doorbell, and we had to knock 6 times. That'll be 6 29 dollar knock fees.

permalink parent [ ]Stashquatch 6 points 1 hour ago brings back bad memories. I cancelled my Capital One card years ago, and I still refuse to do business with them. They are basically a predatory lender in my op inion. permalink parent load more comments (1 reply) [ ]Johnny3balls 3 points 1 hour ago On second check, there were funds, you have been charged a $38 sufficient funds fee. permalink parent load more comments (1 reply) load more comments (6 replies) [ ]DidjaNoit 3 points 2 hours ago Plus the $550 for air travel and miscellaneous collection costs. permalink parent [ ]Anononononandon 1 point 2 hours ago http://www.youtube.com/watch?v=c6zO3Rkx1G4 This feels relevant permalink parent [ ]PaXProSe 9 points 3 hours ago Its just their way of enabling the on going viking theme. They show up to legall y pillage your home. permalink parent [ ]BendoverOR 6 points 1 hour ago Yeah, well, Hruntgar is going to find we've come a long way since axes. permalink parent load more comments (3 replies) [ ]JordanTracer 47 points 2 hours ago

MY STORY WITH CRAPITAL ONE: I had my account info stolen, presumably skimmed at a local gas pump, which I visit them quite frequently with my F150. One day I ge t a call from capital ones fraud department asking me to verify some charges, al l them where fraudulent, I went online and opened my statement, and for a week s traight, someone ran my card up for $7,500 in stuff, maxing my card out. I repor ted to them all the fraudulent charges, then waited 3 weeks later, capital ones fraud department calls back and ask if i filed a police report i said no, they d idn't ask me to. So i went and filed a police report, and sent capital one a cop y, another week goes by, and capital ones fraud department, calls me a lady name d Susan, ask me some questions about the whereabouts of my card, i explain to he r i had it the whole time. Then she ask me some questions about the transactions , citing that there was some purchases from auto zone, she goes on to tell me on one of those purchases they some parts for a 2004 F150. She asked me then if i have ever owned a F150 I answer the question logically I said yes, I own a 2008. She then tells me she is closing the fraud investigation that I made the purcha ses myself. A couple days later, the sheriffs department returns my call, and brings a lead, they get video footage from two stores showing a girl using my credit card. I g et a copy of the photos, and send them to capital ones fraud department, hoping they would re-open the investigation, I could not get past this lady susan, who looked at the photos and told me i sent the girl in to buy parts for me. I get i nfuriated and argue with susan for hours, made a couple more calls back to her a nd she tells me the same crap, and won't let me talk to a supervisor. next rando m collectors for capital one call me for months, and months. I try to work somet hing with them to pay my $2400 i owed them, but none of them are willing to acce pt that. Fast forward, 6 months later, I send the copy of the police report to the credit reporting agencies and they remove capital one, and the collection agency for c apital one from my report. I file a complaint with BBB which was closed, saying the business made a good faith effort, which was bullshit. I guess you pay for y our BBB rating these days. Super fast forward, 3 years later capital one is now suing me for $14,000. $10,5 00 balance, $3500 interest, late fees. Still no clue how this one will play out. .. So a BIG F YOU crapital one. permalink [ ]jaded76 33 points 2 hours ago Meet em in court. Plead your case and show them the judge and jury the evidence. Use the system and fight the power brother. permalink parent [ ]Vietnom 11 points 1 hour ago People seem to think that lawyers are free these days. permalink parent [ ]sammysausage [score hidden] 41 minutes ago

If you were wronged by the company you can get someone to work on contingency. permalink parent load more comments (3 replies) [ ]Nochek 16 points 1 hour ago Make sure you counter sue them for all the pain and suffering, years of neglect, and their failure to uphold their no hassle contract. If they are going to thro w you under the bus, pop those tires and throw chains up in the drive shaft. permalink parent load more comments (1 reply) [ ]josh42390 12 points 2 hours ago About the only way this can play out is in court. Take your police report, the p hotos and possibly get one of the investigating officers to testify. Obviously t he police department believed that it was a case of a stolen credit card otherwi se they would have charged you with filing a false police report. Also bring up the fact that the charges were for a 2004 F150 and you owned a 200 8. I don't know if the parts match but since they were branded for a different m odel year I would imagine they must have been at least slightly different. I would hope that with that much evidence the court would dismiss the suit. permalink parent [ ]Noink [score hidden] 36 minutes ago Also bring up how popular the F150 is. This is like, "Your card was used to buy peanut butter. Do you like peanut butter??" permalink parent [ ]SweatyBike 3 points 1 hour ago I don't feel like typing a lot right now... but I have a similar story. Fuck the m... permalink parent [ ]JordanTracer [score hidden] 59 minutes ago lol join the group, everyone is posting there hate capital one stories. =] permalink parent [ ]IwonderIfATreeSnows 3 points 2 hours ago Capital One and Wells Fargo are both shit.

permalink parent load more comments (3 replies) [ ]PostalPenguin 159 points 6 hours ago So what? What are they going to do? They know where I live and it's not illegal to knock on my door. And I'm free to tell them to fuck off. permalink [ ]also_pm_ME_your_tits 84 points 5 hours ago It would be pretty embarrassing to have them show up at work though. permalink parent [ ]Periscopia 74 points 5 hours ago Might be embarrassing for the Capital One rep, who is likely to be escorted out by the employer's security staff. The employers haven't signed any agreement all owing Capital One reps to come to these workplaces and distract employees from t heir duties. permalink parent [ ]also_pm_ME_your_tits 85 points 5 hours ago "Hey you there! Yeah you in the suit, with the Capital One badge, get the fuck a way from the stripper pole and stop bothering our employees!" permalink parent [ ]thinkpeoplethink 27 points 5 hours ago Shit, in a strip club you're lucky if the staff even says that much before takin g him outside for a beatdown. permalink parent [ ]CAPTAIN_FCKN_OBVIOUS 6 points 2 hours ago http://www.youtube.com/watch?v=NwGGkTlupSE permalink parent [ ]PZombieWoof 6 points 1 hour ago Fake, fake, fake, but lesson learned: Disabling the tow truck is Job #1. You can break those little 'schrader valve' stems right off the wheels easily en

ough with any pair of pliers, or a skillful blow from a hammer or rock, or any s imilar tool, while the truck is stopped. If you're wearing boots or hard soled s hoes, that's probably good enough. Truck tire schrader valves are usually metal, and not typically armored against this possibility. Once broken, it can't be pumped back up without taking the (ex tremely expensive) tire off the rim and replacing the $5 valve. Front tires firs t, since the truck can't be driven with even one of them flat. Truck tires are h ideously expensive, so once it's flat, a driver generally won't try to move it, unless said driver is an idiot. It's also a lot safer than trying to 'stab' a truck tire, which (if heavily load ed) could explode kind of nastily. Once the tow truck is disabled, you'll have nothing but time. "Looks like your t ow truck needs a tow." Of course, now the driver is probably going to be crazy e nraged, but they won't be taking your car anywhere, for now. Mashing something into the exhaust (if accessible) will also stall out, or cripp le a truck. If you want to blow the muffler up later, pop a cigarette lighter in to the exhaust system. Mystery "BANG!" on the highway, followed by super-scary-l oud engine noise. permalink parent [ ]NiggerAdolfHitler 2 points 1 hour ago Except, it's not "your car" at that point. One can't own stuff one doesn't pay f or. permalink parent [ ]PZombieWoof [score hidden] 45 minutes ago If the tow truck doesn't have the paperwork, and/or refuses to show it to you, h ow are you to tell them from common carjackers? They're operating on the fringe of the law. They're in a hurry to get out of the re before the cops arrive. They probably don't have the proper paperwork and cer tificates to take the car. Not that the ones with the proper paperwork won't sho w up. Even if you're in the wrong, disabling the truck takes the time pressure off, an d makes sure they are real, legitimate collectors. Fixing their tire is the most you're on the hook for in this situation, and probably not even that if they ca n't prove they're 'legit' to the police. Now tow truck and 'their' car can be im pounded, and those aren't your expenses. permalink parent load more comments (2 replies) load more comments (3 replies) [ ]123say_sneeze 8 points 2 hours ago When Capital One calls and says, "This call is being recorded" I tell them I am

not willing to make a recorded deposition, buh bye. permalink parent [ ]dennis8844 [score hidden] 14 minutes ago I find it weird, after hearing the announcement calls could he recorded, I final ly get a person at Sallae Mae, tell them I was recording, and they hang up immed iately. Double standards eh? permalink parent load more comments (68 replies) [ ]dgb75 104 points 4 hours ago They can't, even with the updated agreement. It's a violation of the fair debt c ollection practices act and they know it. permalink parent [ ]not-a-ginger 4 points 3 hours ago FDCPA doesn't apply to the original creditor. permalink parent [ ]dgb75 51 points 3 hours ago I don't know where you heard that, but it is completely false. From the act, a d ebt collector is, "any person who uses any instrumentality of interstate commerc e or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indi rectly, debts owed or due or asserted to be owed or due another." permalink parent [ ]omaixa 64 points 2 hours ago* I don't know where you heard that, but it is completely false. Actually, it's not. It's only partially false. It's also partially true. Source: I am an appellate lawyer who has briefed this issue to several Courts of Appeals in Texas, the Texas Supreme Court, and the 5th Circuit. FDCPA is not designed to apply to the original creditor, but to third party debt collectors. It can apply to the original creditor if they use an assumed name w hen they collect debts in an attempt to make it look like a debt collector is at tempting to recover the debt. EDIT for definition: "The term does not include . . . any person collecting or a ttempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity . . . concerns a debt which was originated by such p erson[.] [. . .] Notwithstanding the exclusion . . ., the term includes any cred

itor who, in the process of collecting his own debts, uses any name other than h is own which would indicate that a third person is collecting or attempting to c ollect such debts." permalink parent [ ]crowedelight 31 points 2 hours ago It's only partially false. It's also partially true. This is how I know he's right. Law is a clusterfuck of definitions. permalink parent [ ]RockinRhombus 5 points 1 hour ago Yup. Also, reminds me of a prof. I had who would answer some questions "YesNoMaybe". permalink parent [ ]Key_Lime 3 points 1 hour ago Hey, just because they know where I work and may visit if they choose, doesn't m ean security won't tell them to leave. permalink parent [ ]Whistledog 3 points 1 hour ago When I was young, I chased subpoena servers out of the office twice. Basically, if someone tells you they are an 'officer of the court' and they aren 't a sworn officer of the police jurisdiction that you are in, they are lying an d you can legally eject them from the premises and call 911 on them for trespass ing. permalink parent [ ]strikefire83 4 points 1 hour ago You, sir, are Technically correct, the BEST kind of correct! permalink parent [ ]cypherreddit 12 points 2 hours ago Preliminarily, the FDCPA generally applies only to third party debt collectors; the statutory scheme was not intended to cover the conduct of the original credi tor. permalink parent

[ ]n2hvywght 6 points 2 hours ago Does that mean that they would have to send an actual Cap1 employee and not a co ntractor? permalink parent load more comments (3 replies) load more comments (1 reply) [ ]pr0n-clerk 6 points 3 hours ago It'd probably be more embarrassing for them to show up at my work considering I work at a smut hut. Bring it. permalink parent [ ]glueland 4 points 2 hours ago They won't do it. Employees don't have the authority to authorize capital one go ons to enter the employer's building. This TOS doesn't mean shit. permalink parent load more comments (3 replies) [ ]IHSigV 3 points 2 hours ago for any reason "Oh hey man! Just wanted to see how things were going. How's grandma?" permalink parent [ ]Aeto_the_Wizard [score hidden] 33 minutes ago See, nobody ever mentions the good things that could occur from this new TOS! I, for one, welcome a random stranger knocking on my door. I could use some comp any. permalink parent [ ]DrCat_dds 3 points 1 hour ago They'll be sending barbarians. permalink parent [ ]CardboardForDinner 1 point 1 hour ago

Yeah, and on the other hand, they got me my credit back with their approbation g uaranteed card. Today a got a crazy good credit score, they can drop by whenever they want, i'd be ok with that. permalink parent [ ]SuperFastYo 29 points 4 hours ago Why capitalize the start of almost every word but then just say fuck it on the l ast three? permalink [ ]rudest 10 points 3 hours ago How Can Capitalization Be Real If Our Words Aren't Real? permalink parent load more comments (3 replies) [ ]kamnet 52 points 3 hours ago Something about this article doesn't seem right. The first thing was the comments that the IRS and FBI can't even show up to your door without a warrant. Sure they can. They may not be able to enter, but they can most certainly come knock on your door and have a chat without a warrant, an d it's no different than from Capital One or any random stranger. It's not like Capital One is assigning itself some new powers. The rest of the commentary just seems off until it gets to the part talking abou t the Capital One rep mentioning that they might send somebody to repossess a sp orts vehicle. And then, it clicked. I don't think this is a new Terms of Service for the credit cards. I think this is a new Terms of Service for Capital One financial lending programs for vehicle s, such as off-road vehicles, boats, jet skis, etc. It doesn't make sense for th em to send somebody to your place of work to talk about your credit card debt, b ut it DOES make sense if they show up to repossess your Kawasaki touring motorcy cle that you haven't made a payment on in three months. I think this journalist is just an idiot. permalink [ ]itsmekyle02 11 points 2 hours ago Now this makes sense. permalink parent [ ]MastaMp3 3 points 2 hours ago

Yea any type of law enforcement can show up i think the used to call it like kno ck & talk. Edit thanks for the summary as usual find smart Redditer in comments skip articl e and go back to cat pron. permalink parent [ ]glueland 1 point 2 hours ago They are going to claim you gave them permission to show up at your door, so if you shoot them, it is murder. It is so anything you do to their agents will be a crime, sadly it won't work. T he bank is stupid. permalink parent [ ]kamnet 2 points 1 hour ago No, no, you claim you didn't know who they were were afraid of your life and fal l under "stand your ground" laws! permalink parent load more comments (1 reply) [ ]sadasg 4 points 1 hour ago This is one of the dumber things I've read today. It's murder if you shoot ANYON E merely for showing up at your front door, whether they've got an agreement wit h you or not. permalink parent [ ]Rojam 0 points 1 hour ago Not if you tell them to get off your property and that you have a gun first and they refuse to leave. permalink parent [ ]hobophobe 42 points 4 hours ago Wikipedia: Fair Debt Collection Practices Act: "Prohibited conduct" is worth rea ding in this context. permalink [ ]rudest 32 points 4 hours ago There are exceptions via state law, but the FDCPA itself doesn't cover first-par ty debt collectors. Banks generally follow it as a matter of good policy, but, i n the purest legal sense, FDCPA wouldn't apply here.

permalink parent [ ]hobophobe 12 points 3 hours ago Thanks for clarifying. Doing a bit of reading it sounds like the Dodd-Frank Act may be expanding some o f the protections of the FDCPA via the Consumer Financial Protection Bureau. One such-cited bulletin as an example can be found at Consumer Financial Protection Bureau: PDF: 10 July 2013: Prohibition of Unfair, Deceptive, or Abusive Acts or Practices in the Collection of Consumer Debts. permalink parent [ ]liquefaction187 6 points 3 hours ago Correct, the FDCPA only applies to third-party debt collectors. permalink parent [ ]bfv13 4 points 2 hours ago A point made earlier was that FDCPA applies to first party collectors IF the fir st party collectors represent themselves as somebody they aren't. In other words , if Capital One alters the caller ID to say anything other than Capital One, it is, in fact, in direct violation of the FDCPA. permalink parent [ ]mindwandering 1 point 1 hour ago How about a restraining order? permalink parent [ ]Vonderbachen 4 points 4 hours ago Yeah, I thought it was illegal to contact you are your place of employment? permalink parent [ ]rudest 3 points 3 hours ago This is true only once you've notified them that you don't wish to be contacted at your place of employment. permalink parent [ ]PlumberODeth 4 points 3 hours ago That was always my understanding. They can call you, show up at your house or wo rk, etc but once you inform them that they should stop, they have to stop. After that they have to go the legal route or simply go away. Of course they are bank

ing on you not knowing your rights and being easily intimidated. permalink parent [ ]rudest 2 points 2 hours ago As I understand it, the general rule is that verbal expression of "do not contac t at work" is sufficient, but general "do not contact via phone, only via letter " requests have to be submitted in writing. Some states have more restrictive la ws. permalink parent [ ]123say_sneeze 1 point 2 hours ago Many places of employment are psycho about checking employee's credit now. Maybe they should get together with Capital One and have a party/ same breed of peopl e. Pretty bad when your employer treats you as a mark. Also known as soul-suckin g really shitty management. permalink parent load more comments (1 reply) [ ]extremetolerance2013 8 points 4 hours ago can't anyone come to our door...? permalink [ ]Vioarr 43 points 6 hours ago Please tell me by "they can show up" means that you'll be chased by Vikings and assorted barbarian hordes. I'd go default on my card just to see it happen. permalink [ ]desertponyprincess 14 points 3 hours ago They're actually Visigoths. . . but their new terms of service should state that if they can show up at cardholders' homes and workplaces, it must be in traditi onal Visigoth costume. And with a goat. permalink parent [ ]MastaMp3 2 points 2 hours ago With the economy so shitty visgoths are now taking jobs from legit mafia henchme n sad state of affairs i tell ya permalink parent load more comments (2 replies) [ ]Riderz_of_Brohan 1 point 1 hour ago

No but you get to meet David spade permalink parent [ ]Key_Lime 1 point 1 hour ago I've always wanted to tell him he's a washed up has been since Farley OD'd. permalink parent [ ]dudemeister11 1 point 1 hour ago They will send her to kick your ass: http://www.rifuture.org//wp-content/uploads/vikings_gallery3_6-P.jpeg permalink parent [ ]josh42390 6 points 2 hours ago I settled with them a couple of years back for about 55% of what my debt actuall y was. I'm glad that I did. It's one thing for them to show up at my home. I cou ld just tell them to never show up on my door step again and only communicate th rough the mail. But showing up at my workplace would be absolutely humiliating. Every customer/co worker would see it. The rumors would be flying and probably w ouldn't go away for a long time. I would imagine that's the whole point though. Most people would be so humiliate d they would do anything to make sure it never happened again and want to play i t off like some kind of misunderstanding. Humiliation=Paid In Full permalink load more comments (1 reply) [ ]m1sterlurk 15 points 7 hours ago Well, I guess they no longer have to ask "What's in your wallet?" permalink [ ]Rojam 1 point 1 hour ago Actually, they do. Soon they will know I no longer have a Capital One card and w on't know what's in my wallet anymore. permalink parent [ ]Sliderrific 5 points 3 hours ago I like how the first thing that came to everyone's minds was that they were show ing up to collect your unpaid debt. permalink

[ ]Bainshie_ 16 points 3 hours ago What else are they going to do? I just wanna hang out! permalink parent [ ]SweatyBike [score hidden] 59 minutes ago I just wanna hang out! "You obviously have no idea how boring I am... here... let me fix you a veggiebu rger" permalink parent [ ]2hands10fingers 4 points 2 hours ago I'm sure they just want to know what's in people's wallets. permalink [ ]Be-The-Change2 4 points 2 hours ago Um...avoid getting a card with them. The end. permalink [ ]Zaev 1 point 1 hour ago My first credit card was a Capital One secured card. My credit union didn't offe r a secured card, and since I had no credit history, wouldn't offer me a normal card. I used the secured card for a year then reapplied for a rewards card throu gh my CU and was accepted. I'm considering closing my C1 card, but since it's my oldest line of credit it'd probably hurt my credit score, so I'm not totally su re yet. TL;DR: They have their uses. permalink parent [ ]twhayes 4 points 2 hours ago Do they show up with an army of barbarians? permalink [ ]whoopdedo 4 points 3 hours ago So this is gonna be like a Publishers Clearing House thing where they show up wi th a TV crew, balloons, and giant novelty check as a reward for being a good cus tomer.... That's gotta be it, right? permalink [ ]devoidz 1 point 1 hour ago

Except it would be like a giant over sized bill. permalink parent [ ]TheRealFJ 4 points 1 hour ago Hold on. From the LA Times article: Capital One does not visit our cardholders, nor do we send debt collectors to th eir homes or work," Girardo said. The exception to that, she said, is when it comes to big-ticket sporting goods. Cap One has partnerships with makers of gear like Jet Skis and Snowmobiles. "As a last resort, we may go to a customer's home after appropriate notification if it becomes necessary to repossess the sports vehicle," Girardo said. Edit: Sorry for shitty formatting, I'm on mobile permalink [ ]Operatr [score hidden] 36 minutes ago This is illegal, the Fair Debt Collection Practices Act says so. In fact, if Cap ital One shows up in your door to personally harass you, YOU can take them to co urt for violating these laws to the tune of $1000 per violation. Some people hav e made a career out of taking these kinds of companies and scumbag debt collecto rs to court to cash in on their blatant disregard for FEDERAL LAW. They need to take you to local court if they really want to push it, where a pro cess server will distribute the paperwork if they can find you. Many companies h ave policies that these actions may not be taken on their grounds during the wor kday. Don't put up with these kinds of financial gestapo tactics, read up on the Fair Debt Collection Practices Act and know your rights if you are a debtor (which as far as I can tell is everyone that isn't the 1%). permalink [ ]BrainJar [score hidden] 35 minutes ago I was looking for a reason to close that account. It was the thing that I needed to push me over the edge. Thanks Capital One. permalink [ ]fullOnCheetah [score hidden] 23 minutes ago Wow. Cap One going all crazy ex-girlfriend. permalink [ ]azjag 6 points 3 hours ago All it will take is a cap one rep showing up at somebodies house and getting sho t for trespassing or harassment. A phone call is a heck of a lot safer then show ing up on somebodies doorstep. Actually, I think all would-be collection reps sh

ould be forced to do door to door as part of the training. I think a lot of them would change their mind about the job very quickly. permalink [ ]glueland 2 points 2 hours ago It is probably to combat the fact that you can't get calls through via cellphone s. A simple blocking app means a bank's calls will only get through once. permalink parent [ ]josh42390 1 point 2 hours ago Cell phones also have caller ID. If you see a 1-888 number pop up and you know t hat you are delinquent, it's easy to just ignore the calls from those numbers. permalink parent [ ]glueland 1 point 1 hour ago All land lines have caller id. The bonus of a cellphone is you can block calls w ith an app and never be bothered by them. You can't really block calls on a landline. Even if you pay a fee, you can only block local calls, they purposely set it up so you can't block calls from busine sses: http://www.att.com/esupport/article.jsp?sid=KB408880&cv=807#fbid=YrcCKtpzj 0r Cellphones kill off the ability for a business to call you, since you can block any number you want. permalink parent [ ]devoidz 2 points 1 hour ago I have a blocking mode on my cell. It only allows a few people I have set to cal l through from 9 am to 9 pm. I sleep during the day work at night. Keeps all the bs calls from getting to me. permalink parent [ ]josh42390 1 point 1 hour ago But with landlines you have to pay for caller id. it's not just a feature that y ou get with your basic phone plan. At least with cell phones caller id, as far as i know, is standard. permalink parent load more comments (3 replies)

[ ]mollywopping 6 points 2 hours ago I dare them to do it. I live in Korea. They can come visit. We'll drink soju. Th ey'll be the only ones to have visited me in three years. More reason to stop pa ying my bills! Hooray! permalink [ ]semvhu 4 points 3 hours ago I work on a military installation. Good luck with that. permalink [ ]Hardcorish 2 points 2 hours ago If I ever get in serious debt, I'm joining the military. permalink parent load more comments (1 reply) [ ]chrissssssssssssssss 6 points 2 hours ago Capital One can suck my dick. I had a card of mine physically stolen (still not sure how, I suppose I dropped it.) and spent like $500 at local businesses (nail salon, pizza place, various stores within the local mall). I immediately called , they canceled the card, sent me a new one, and then credited my account what w as stolen. I was delighted that they had actually honored their advertised "hass le free" policy... I even followed their advice and filed a police report also. Like 3 months later, they re-add the charges to my account. I call them and they flat out tell me that they feel I'm lying about it being stolen, because some o f the purchases were at places I had purchased from in the past. Well no shit, w hoever stole it made like 5 purchases at the local shopping mall... Anyway, fuck them. I was making $2,000+ a month in charges with their card for years, and al ways paying it off each month, yet they (by "they" I mean some Indian guy) accus e me of trying to scam them out of $500? Fuck everything about them. permalink [ ]pixpop 6 points 1 hour ago They don't really want you to pay it off each month. permalink parent [ ]bexproto 3 points 1 hour ago This is true permalink parent [ ]JordanTracer 2 points 1 hour ago They did the same thing to me, look for my post on here, they claimed i made the charges. Its bullshit, no evidence, no proof, they stick the bill to you.

Ive had fraud happen with 3 other cards with other companies. 1 lost card 2 stol en info, and they always fixed it. none of this accuse the cardholder bullshit. permalink parent [ ]go_kart_mozart 6 points 6 hours ago Jesus. How delinquent do you have to be that they'll show up at your office? permalink [ ]masclavos 18 points 6 hours ago When they think that the amount that they will collect will be more than the cos t of sending someone out. permalink parent [ ]Tumorseal 9 points 5 hours ago So more then a hundred bucks or so. permalink parent [ ]cptnamr7 7 points 3 hours ago I question that though. I had a bill once from Sprint that came to a whopping $1 0 or so. I inquired as to why as Sprint was not my cell phone provider and I was simply told I needed to pay it, no explanation given. For a year or so they sen t me bills, tacking on late fees. Every once in awhile I would call to try to st raighten it out and was simply told the same thing- they wouldn't have sent me a bill if I didn't need to pay it. Eventually it got turned over to collections, who then started offering to "reduce the amount I owed" in return for finally pa ying it. After all the fees it got to around $45, then the collection agency sta rted cutting it down and over time it got back down to under $10. I kept telling them I had no intention of just paying a random bill that was sent to me and po inted out repeatedly that they had now spent far more in postage and resources a ttempting to extract the money from me than the bill was ever for to begin with. They came after me for a solid 4 years and only stopped when the bank looking i nto my credit history for a home loan got involved. I have no idea what they did , but after I explained the situation to them they said they'd take care of it a nd I never heard another word about it. You'd like to think they'd do something like set a limit of say, the cost of pursuing the debt must be less than the deb t itself, but doing so allows all the little debts to add up to a lot more. TL/DR: It makes sense on a single case basis, but consider that 100 people owing $10 is a lot more than one person owing $500. permalink parent [ ]rudest 6 points 3 hours ago Next ably it's and time, submit a written request for "verification of the debt." You can prob find a form letter online. They have 30 days to send you verification, and my understanding that if they can't do that they have to terminate the debt remove the item from your credit report.

This may have been what your bank did for you. permalink parent [ ]baderd 2 points 4 hours ago No doubt demanding to know "what's in your wallet?" permalink [ ]trav110 2 points 3 hours ago So they say they don't visit your house or work, but that they have an agreement with makers of sports equipment and it allows them to show up if you buy a jet ski with your credit card... What the fuck? Sporting goods? That doesn't make an y god damn sense at all. permalink [ ]alex8155 1 point 3 hours ago kinda funny to see this because i have a friend that told me about CapitalOne sh owing up at his house once to collect a debt and im pretty sure he told me that they were armed. good guy but hes kind of a pathological liar so i just shook my head and laughed it off...so yeah, now im wierded out by this report. permalink [ ]glueland 1 point 2 hours ago He lies about capital one, but admits he is a dead beat when it comes to managin g money? permalink parent [ ]EpicDude24 2 points 2 hours ago Part of their "No hassles" program :) "Well Mr. Jones, the reason I've come to visit you at work about your past due b ill is to not hassle you.....because, well, you have a No hassles card with us.. ...." I can tell you what's NOT in my wallet! permalink [ ]AliasUndercover 3 points 1 hour ago I'm sorry, but the best way to fight this is to cancel any credit cards you have with them and move your money to a new bank. A few thousand people do that and say it's because of the new terms of service and the might even have to make a n ew ad campaign. permalink

[ ]Corndog106 3 points 1 hour ago What's in your wallet? Not one of these fuckers cards! EVER! permalink [ ]ridestraight 2 points 1 hour ago What's in your billet? noun: billet; plural noun: billets 1. *a place, usually a civilian's house or other nonmilitary facility, where sol diers are lodged temporarily*. permalink [ ]dennis8844 [score hidden] 24 minutes ago I wonder how they would be dressed... in attire that would humiliate people at t he workplace. Perhaps they will carry baseball bats too as a prop of course. permalink [ ]pimatard 11 points 6 hours ago This is why I don't use this criminal enterprise, and neither should you. permalink [ ]Spittin_Venom 1 point 4 hours ago Yes. Asking you to repay the money you borrowed from them, probably spent buying shit you most likely could have lived without, by any legal means necessary. Ab solutely Criminal! permalink parent [ ]pimatard 6 points 4 hours ago Yes, use massive generalizations to make your point. The banks and creditors are never to blame! It's only the irresponsibility of the poor! Not the manipulatio n of currencies by central banks, manipulation interest rates by national banks, no not at all! You are the reason central banks have gotten away with the housi ng bubble, laundering cartel money, etc. permalink parent [ ]i8pikachu 3 points 2 hours ago No one put a gun to anyone's head to accept a credit card and use it. permalink parent [ ]mokthraka 2 points 2 hours ago

Except for the most part, you absolutely need credit, at There are plenty of jobs that won't hire you without and 't get a home loan, a car loan, or a lot of other things Sure there are other ways to build credit, but the most card. permalink parent [ ]DarkRider23 1 point 1 hour ago

least some form of it. credit history, you won without credit history. simple way is a credit

And no one's forcing you to use "the big bad evil that is Capital One." There ar e plenty of credit card issuers out there. I've been using Capital One for years now for personal expenses and my business. They haven't given me one problem ye t. I would actually say they're one of the better CC issuers out there. permalink parent load more comments (2 replies) [ ]Spittin_Venom 3 points 3 hours ago* There needs to be a certain amount of personal responsibility here. If you borro w money, you need to pay it back. We all know what we are getting into when we s ign into a credit card and if someone doesn't, there is no reason, as it is law that these companies provide all the information, and you have Google. We are no t talking about sub-prime mortgages, we are talking about credit cards and loans . You better know what you are getting yourself into. You are the reason central banks have gotten away with the housing bubble, l aundering cartel money, etc. Talk about a massive generalization. permalink parent load more comments (7 replies) load more comments (1 reply) [ ]peadith 1 point 1 hour ago They're not going to come find you to ask anything. permalink parent [ ]SweatyBike 1 point 1 hour ago Identity theft is a thing. Wait until you get sued because some asshat stole you r credit card number and the fuckers won't believe you're innocent of the charge s. permalink parent load more comments (1 reply)

[ ]Bakkie 8 points 4 hours ago Cap One can say what they like but they have bought themselves a nice little cla ss action lawsuit for violation of the Fair Debt Collection Act. In addition , e ach state has similar statutes. I have no doubt they have a fancy expensive law firm but WHAT WERE THEY THINKING ? permalink [ ]bobsp 11 points 3 hours ago Doesn't apply to first party creditors, only third party debt collectors. State law may, however, regulate first party collection efforts. Source: that same Wik ipedia article you skimmed before incorrectly asserting this was illegal. permalink parent [ ]VantasKarkat 5 points 4 hours ago "Our users are too poor to sue us!" permalink parent [ ]ChristopherSquawken 2 points 4 hours ago No idea. I used to collect for a third party and they were the client i worked o n. We had no power to say anythinf but the script so I can't see this flying. permalink parent [ ]endiasummer 3 points 3 hours ago So... can they be shot if trespassing on private property? I'd love to shoot the ir faces off. permalink [ ]loveNyeGuy 7 points 2 hours ago You'd love to shoot an innocent person attempting to perform their job function? permalink parent [ ]SweatyBike 1 point 1 hour ago Performing a job does not equal innocent... That said... I wouldn't shoot them u nless they tried to enter my house without permission. Many years ago my former mother-in-law answered the door for an aggressive bill collector (for something they didn't even owe). He barged in causing her to scre am. My former father-in-law was in the back room. He came out and beat the shit out of the guy. Personally, in that situation, I think the guy got lucky. I woul d have shot him without question. I keep all my guns loaded and ready just-in-ca se. My former-father-in-law had several guns also, but opted to give a proper be

at down. permalink parent load more comments (1 reply) load more comments (5 replies) [ ]RhitaGawr 4 points 2 hours ago Texas, yes. Almost anywhere else, no. permalink parent [ ]ProAbort 3 points 2 hours ago coughfloridacouch permalink parent [ ]Derparder [score hidden] 22 minutes ago Florida couch ? permalink parent [ ]CylonbabyLiam 2 points 2 hours ago I am 27 years old and have never had a credit card. Things like this make me sat isfied with that choice. permalink [ ]iatpeio 3 points 1 hour ago Do you have any problems with getting mortgage approval or anything like that? M y friend was recently told she can't get a mortgage because she has no credit fi le built up as she hasn't ever had any credit. permalink parent load more comments (3 replies) load more comments (3 replies) [ ]Drewzer15 1 point 3 hours ago I can't believe people still use credit cards. permalink [ ]brokenspirometer 3 points 2 hours ago

They are definitely risky, but if you have learned how to be responsible with yo ur money, they can be convenient. I've had a credit card for two years and have never paid a cent of interest or f ees. I always pay off my charges within a month. Recently my laptop broke and thanks to the credit card I was able to go buy anot her one immediately. I had the money in savings, but it would have taken time to transfer it to my checking account. By using the credit card I didn't have to d ip into my savings and instead was able to spread the cost over a few paychecks. Unfortunately most people are not responsible enough to use credit wisely. If yo u don't have savings you probably aren't good with your money. Most people spend their entire paychecks and have maybe a couple hundred dollars in the bank. Liv ing on the edge like that is really dangerous and stressful, but they tell thems elves that's how everyone else is living too so it can't be that bad. If you can sock away a piece of every paycheck you can eventually have a couple grand in the bank. It is hard work but it really opens your horizons. Gives you a feeling of power and security. I highly recommend it. permalink parent [ ]Drewzer15 2 points 2 hours ago I've been hiding money on myself, it's the easiest way for me to save. I was hor rible at saving and I had a couple different bank accounts one of which was a sa vings account at a credit union that I got my car loan through. After the car wa s paid off the account was just sitting there with $25 in it. I was no longer li ving in the state where the C.U. was located so I never did anything with it. Th en I got the bright idea about 7 years ago to have my tax refunds direct deposit ed into that account. It was a nice little savings account. I have since transfe rred the money into my 401k because my employer matches dollar for dollar. permalink parent [ ]Rojam [score hidden] 58 minutes ago Taken time to transfer? I have my savings in a credit union and my checking in a bank. To get my money transferred it takes a 5-10 minute drive with a certified check. permalink parent [ ]JordanTracer 1 point 1 hour ago I love my credit cards. I have around 450k in credit. with a couple cards 50k+ c redit lines. I never pay interest, I get thousands of dollars in cash back and r ewards. Currently the only balance I carry is 44k, on my Navy Federal card, whic h is 0% for 12 months, then ill transfer it back to my Pen Fed, for a couple wee ks at 1.99% then back to my Navy Federal at 0% for 12 more months. Ive been doin g this for a couple years. To keep this good of credit i have to have utilizatio n, I have the money sitting in stocks which i could easily liquidate and pay off . I carry no mortgages/loans because i don't believe in paying interest. permalink parent

[ ]SweatyBike [score hidden] 53 minutes ago Credit cards are certainly itted to loan people money ord. I love my debit card. annot buy. I haven't had a that way. permalink parent load more comments (1 reply) [ ]jamar030303 [score hidden] 47 minutes ago My reasons are many and varied and revolve around travel. The two big ones are: I can exchange cash and get banged up the rear with exchange commissions and spr ead, or I can use a 0% forex fee card and pay it in US$ at the mid-market rate. Purchase protection means that if something breaks up to 3 months after I buy it I can call AmEx and they'll sort it out. My AmEx card does charge 2.7% on forei gn transactions, but to use a real example, that's a bit cheaper than a plane ti cket to Japan to return a cellphone I bought from there that stopped working abo ut a month and a half after I took it home. permalink parent [ ]gpbunny 1 point 3 hours ago Please show up with the Barbarian Horde! How great would that be if that was the collections. permalink [ ]JordanTracer 1 point 1 hour ago The whole barbarian horde shows up on your phone as they call you 100x a week. permalink parent [ ]JenbGood1 2 points 3 hours ago Well, I hope they bring a pizza....please bring a pizza.... permalink [ ]Misaniovent 1 point 3 hours ago They also have terrible ads, which is why I closed all my accounts with them mon ths ago. permalink [ ]Rojam [score hidden] 56 minutes ago If I stopped doing business with companies that had bad ads I'd have to start gr evil. I wish they were illegal. It should not be perm they can't pay back at interests rates they can't aff It keeps me honest with myself about what I can and c credit card in nearly ten years and I plan to keep it

owing my own food and making my own electronics from scratch. permalink parent [ ]IH8PHP 1 point 2 hours ago I wonder what states this applies to? permalink [ ]abysmal_monster 1 point 2 hours ago Interest rates are already as high as vigs, so why shouldn't Capital One be able to show up and threaten to break your kneecaps or ball peen your knuckles? Why shouldn't they have the same rights as any other shady loan shark? permalink [ ]soviyet 1 point 2 hours ago Uhhhh... they could do that anyway. permalink [ ]rtpg 1 point 2 hours ago Terms of service do not override harassment laws. They could write in the terms that they have the right to the blood of your firstborn child, doesn't make it t rue. permalink [ ]LMFA0 1 point 2 hours ago Let's unite and revolt against this by mailing back their spam snail mail filled with heavy objects permalink [ ]Lord_Fuzzy 1 point 2 hours ago I keep picturing some capital one agent showing up at a restaurant kitchen and b eing chased out by an angry knife wielding chef for disturbing his staff. permalink [ ]anumati 1 point 1 hour ago Too bad their employer isn't the one who signed the card agreement... permalink [ ]Anononononandon 1 point 1 hour ago Capitol one sends representative to Compton http://www.youtube.com/watch?v=c6zO3 Rkx1G4 permalink

[ ]workname1 1 point 1 hour ago another good reason i threw away their "pre-approved 0% APR" yeah 0% for 6 month s then it was 24%! permalink [ ]whycantibeyou 2 points 1 hour ago Somebody needs to let Lawrence Fishburne know about this so that he can stop ped dling this shite. permalink [ ]bender_2982 3 points 1 hour ago I think it's funnier if I don't correct you. permalink parent load more comments (1 reply) [ ]sadasg 1 point 1 hour ago ITT: people who are mostly clueless about what the Fair Debt Collection Practice s Act actually says. permalink [ ]BGZ314 2 points 1 hour ago Fuck. Do I really need to cancel my 3 capital one cards? That's a lot of effort. permalink load more comments (1 reply) [ ]fatfook 1 point 1 hour ago You don"'t like it, you don't continue the contract since contractual arrangemen ts have to have the consent of all parties. permalink load more comments (56 replies) about blog about team source code advertise jobs help wiki FAQ reddiquette rules

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