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This is a true story that happened to me today. It's rather lengthy, but read through it. It will completely blow you away. It's the kind of thing that bad jokes are made of:
I was on the net today and just tried sending a payment in excess of $1000.00 for an item I recently purchased. It was declined, due to the large amount. This kind of thing has happened to me before, but this time, my credit card company (for whatever reason) required a fairly extensive security verification, before allowing me to use the card. So, I call in and verify that the payment is not fraudulent, and that I am indeed the one who is attempting the payment. In essence, it's fraud prevention. Usually, I don't really complain, as it's a small inconvenience. Of course, in principle it annoys the crud out of me (but that is another story).
At any rate, this time around, my credit card company required me to answer a series of questions concerning me, my finances, and above all things, my personal life. Of course, I understood their need for confirming various financial matters, but then they started asking me about Grant (i.e., my brother)- who was he, his age, how many children did he have, even what kind of car did he drive. When I questioned the reason for such detailed questions, my credit card rep told me that these sorts of questions ensure that I am the real deal. He said that it is difficult for scammers to know personal details, and therefore, the credit card company has begun obtaining germane information that they can use to confirm the identity of their cardholdrs. (His exact word was 'germane'. That kind of bugged me, because I could really see that word being used to justify all manner of privacy violations- call me paranoid).
Continuing: Next, they asked me about my parents, their income, their jobs, etc. Then, they asked me if I was living with anyone, and of course, I told them that I was living with Christina soandso. My credit card company had all of this information on file. Geez! They knew I was living with Christina, because we shared an address together. But this is nothing, as compared to the last question they asked me. Prepare yourself: The rep then proceeded to ask if I had recently lost anyone close to me. I asked the rep what he meant by 'recent', only because I was startled by the question and felt it was exceptionally invasive. He told me that the credit card company would consider anything happening in the past 6 months to be 'recent.' I could have been a real jerk and asked him what he meant by 'close to me' as well, but didn't. I then told the rep that I had recently lost my grandmothers. He asked which one, and I told him that both of them had passed away in the last 6 months. This puzzled him, as his files only mentioned that one of them had died. He told me he was sorry for my loss, and that he will be updating my file, as they only had on record that my mother's mother had passed away, but not my father's.
Side: I was a little surprised that he took my answer at face value regarding the death of both my grandmothers. I would have expected my answer to have sent up a red flag, as it contradicted his information at hand, which said that only one of my grandmothers had died. Of course, I didn't bring this up.
Just thought I should share what a sh-tty experience this was.
Last edited by Rabbit; April 19th, 2007 at 00:07.
Spambot kill tally. . .337
That is horrendous, and it's truly disgusting.
I feel for you buddy, that can't have been pleasant for you.
It's really disgusting how far they'll go just for a bit of market research. I'm with you on this one totally man.
Sorry I can't offer anything smart or constructive. Not that I normally do anyway.
Cheers for the headsup. Now I know why my father advised me to try and get things in cash wherever possible.
that's fethed up! i would've asked why they wanted to know all this! but i can really understand he caught you off guard...
Got a "good" rumour from a GW staffer? Forget about it, LO'ers know more than any random GW shop staffer.
Voor alle nederlanders:
The Dutch Legion
Exactly. Plus, you just want your goods. So the easiest and fastest way to do this is simply to comply.
It's taking advantage of someone in the worst way.
Man.. just thinking about this sends my rage to... over 9000!