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The contract, which states that Capital One can “contact you at your home and at your abode of employment,” has been included in its acclaim agenda agreements for years, according to Pam Girardo, a coffer spokeswoman. The arrangement added says that “we may acquaintance you in any address we choose,” including, area accustomed by law, a “personal visit.”

But it may accept been new to HSBC customers, who are still actuality chip into the coffer afterwards Capital One bought the acclaim agenda business of the British coffer HSBC Holdings for $2.6 billion in 2011. Capital One afresh beatific out belletrist to HSBC barter that included an admit about the provision.

“I assumption best bodies don’t apprehend the inserts, but I appear to accept apprehend it,” said Rick Rofman, a retired English abecedary and HSBC chump who accustomed the apprehension at his home in Van Nuys, Calif. “I’m 71 years of age, and I accept never apparent this anywhere.”

Mr. Rofman’s adventure was aboriginal appear in an commodity on The Los Angeles Times’s website on Monday. The commodity admiring abundant criticism and affair to alert Capital One to acknowledge on its website anon thereafter.

“Capital One does not appointment our cardholders, nor do we accelerate debt collectors to their homes or work,” the coffer said in a statement, acquainted an barring for assertive sports agent manufacturers that accept acknowledgment agreements with the bank.

Capital One’s arrangement additionally said, “Unless the law says we cannot, we may adapt or aish addition ID and agnate casework and analyze ourselves on these casework in any address we choose.” In its statement, Capital One said that while it capital its calls to affectation as “Capital One” on a addition ID, “some bounded buzz exchanges may affectation our cardinal differently.”

“God knows how continued this has been in the arrangement and no one alike noticed,” said Ira Rheingold, the controlling administrator of the National Association of Consumer Advocates, who said he was blind of added acclaim agenda affairs with agnate provisions. “The accent in that one is alike added over-the-top than usual.”

Capital One said it would analysis the diction of its affairs because the coffer did “not appetite to actualize any accidental crisis amid our customers.” The 23-year-old close aboriginal started as a acclaim agenda lender and has remained as one of the better acclaim agenda providers for consumers with less-than-stellar acclaim scores.

In contempo years, acclaim agenda companies and their abundantly birdbrained legalese accept landed in the cross-hairs of federal lawmakers. In 2009, Congress anesthetized the Acclaim Agenda Accountability, Responsibility and Disclosure Act, which appropriate acclaim agenda companies to accommodate added accuracy with changes including fee increases and added terms.

A adaptation of this commodity appears in book on 02/19/2014, on folio B9 of the NewYork copy with the headline: Arrangement Terms.

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