Re: Capital One
Nice thing is with post, you can "absent-mindedly" open someone else's letter in among your own. It's perfectly understandably and no-one could easily accuse you of malice.
But if you're getting someone else's email, you can't legally "absent-mindedly" log into their account, do a password reset and cause mayhem.
I still get emails from Amazon (US) which are for someone else's account. I assume he only uses his phone number to log in.