Well if you read the article, Capital One says they only use it in the case of repossessing a large purchase, such as a snowmobile.
said by latimes article :"Capital One does not visit our cardholders, nor do we send debt collectors to their 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.
Obviously there are laws regarding repossession and they would still have to obey the law, just as they would have to obey any credit collection law.