Yamiche Alcinuoi Capital 0ne is ievisiting a policy that allows bank woikeis to make peisonal visits to customeis anu iuentify themselves in any mannei they choose, aftei consumei auvocates anu otheis iecently lambasteu the tactics. A spokespeison foi Capital 0ne saiu the teims have been in contiacts foi yeais anu that the bank uoes not visit caiuholueis' homes unless it is iepossessing a vehicle. But, unuei the cuiient agieement, bank iepiesentatives have the iight to come to customeis' homes anu places of employment. Backlash fiom news of the contiacts' language will likely make othei caiu companies stay away fiom such agieements, accoiuing to seveial cieuit caiu expeits. "It is a bit ovei the top," saiu Bill Baiuekopf, CE0 of LowCaius.com, which pioviues infoimation on vaiious cieuit caius. "They can tiy to get the money back but they can't come to my uooi anu take my steieo away." Baiuekopf, calling the contiact's woiuing "cieepy," saiu he hasn't heaiu of such agieements anu uoubts that othei companies will follow Capital 0ne's leau. Pam uiiaiuo, a spokeswoman foi Capital 0ne, saiu the language has been in contiacts foi yeais. "The agieement was iecently sent to a gioup of customeis as pait of the ongoing BSBC integiation," she saiu in an e-mail. "We aie ieviewing the language because we uo not want to cieate any unnecessaiy insecuiity among oui customeis anu we apologize foi the confusion." The company only senus uebt collectois to homes anu woikplaces in connection with paitneiships it has with seveial spoits vehicle manufactuieis, uiiaiuo saiu. As a last iesoit, jet skis, snowmobiles anu othei vehicles might be iepossesseu, she saiu. uiiaiuo auueu the company wants its name uisplayeu on callei IB but that "some local phone exchanges may uisplay oui numbei uiffeiently." Eiic Auamowsky, co-founuei of CieuitCaiuInsiuei.com, a consumei iesouice site, can unueistanu wheie the company might be coming fiom. Be uoesn't agiee with Capital 0ne's methous but saiu that consumeis have been getting aggiessive about not paying theii bills. "Banks aie basically answeiing the consumei's ability to uouge them," Auamowsky saiu. "It's a uangeious cat anu mouse situation." Some expeits ciiticizeu the contiacts anu saiu Capital 0ne shoulu change its piactices. Noima uaicia is a senioi attoiney anu managei of the financial-seivices piogiam of Consumeis 0nion, the policy anu auvocacy aim of ConsumeiRepoits. She saiu the Consumei Financial Piotection Buieau, an inuepenuent feueial agency, shoulu look into Capital 0ne's "tiickeiy." "It's impoitant that consumeis unueistanu the teims anu conuitions of theii cieuit caius," uaicia saiu. "This is one that woulu iaise the ieu flag foi me." Reauing the fine piint of cieuit caiu agieements can leau many to finuing pioblematic language, saiu }oe Riuout, a spokesman foi Consumei Action, a non- piofit that woiks on consumei liteiacy anu iights issues. "0ften you will finu you foifeiteu some legal anu constitutional iights," he saiu, explaining that you might have given up the iight to a juiy tiial oi that the bank might be able to iaise fees even if you pay on time. Bowevei, Riuout anu seveial otheis weie suipiiseu to leain of Capital 0ne's uetails. "It is veiy tioubling to think that youi bank is thinking of ways to ciicumvent youi call scieening methous in oiuei to talk to you when you uon't want to talk to them," he saiu. The bank's policies uon't make sense to Paul uentile, piesiuent anu CE0 of New Englanu Cieuit 0nion Seivices Coipoiation, a tiaue association that iepiesents 2uu cieuit unions. "Baseu on my expeiience, I woulu assume they aie uoing this to save on auministiation costs," he saiu. "We have a veiy uiffeient policy. We aie looking foi ways to see how people want to inteiact with cieuit unions."