If you are a Capital One customer, you may want to take another look at your contract. According to the company’s recent contract update sent to cardholders, Capital One reserves the right to contact its customers “in any manner we choose,” including via phone, text, email, fax or even a “personal visit.” The personal visits can be “at your home and at your place of employment.”

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“Speaking of credit card problems, you might want to read your new Capital One contract really carefully,” Pat said on radio this morning. “They reserve the right now to contact their customers in any manner [they] choose… They sent it a new update to their cardholders. They are getting worse and worse.”

“You have to start reading these,” Glenn added. “We have to start reading them.”

The updated Capital One contract also informs customers that the company may “modify or suppress caller ID and similar services and identify ourselves on these services in any manner we choose.”

As the Los Angeles Times reported, “The police need a court order to pull off something like that” — but not Capital One.


Daniel E. Kann, an attorney who specializes in illegal-search cases, told the LA Times that the language “sounds really invasive” but is not a “violation of your Fourth Amendment rights.”

Glenn agreed that while the language is creepy, it is not actually a violation of anyone’s rights because, ultimately, the customer has agreed to the terms.

“You agreed to it… Ask somebody in the research department to find if there’s a website that actually tells you what you have to watch out for in these agreement. So you could go and say, ‘I’m signing up with Capital One, what does it say.’ Because just having that I would know, ‘Okay. I need to not sign that agreement with Capital One,’” Glenn said. “If you read all of the things that you accepted, it would take three months out of the year to be able just to read them and understand them. It’s an crazy amount of time.”

Read the entire LA Times report HERE.