May. 11th, 2017

bjarvis: (Default)
Credit card companies are heavily into "big data," or what the rest of the planet has been calling statistics for generations: they analyze commercial activity to devise more ways of selling products, extracting more fees, getting rid of unprofitable customers, and spotting fraud.

And sometimes they spot fraud where there isn't any, and things go bad quickly.

Earlier today, the gov't of Canada attempted to charge my Citibank Amex card for my Canadian passport renewal. Citibank flagged it as potentially a fraudulent activity. The reasoning engine which scores transactions along the scale of legit to illegit is a black box and proprietary secret, but I'm hoping they simply presumed that I was unlikely to be in Canada at this moment and therefore this charge was probably incorrect. I'm hoping they didn't just decide somehow that the Government of Canada isn't a legitimate entity.

I contacted Amex to tell them this was indeed a legit transaction, but it's too late. I expect the passport office has already dropped my paperwork into an envelope and shipped it back to me with a form letter saying that they couldn't complete the transaction. And I'm going to have to mail back the entire package yet again --using a different credit card because I can't trust Amex not to screw it up again.

This evening, that same Amex card was blocked at our local service station. In anger & disgust, I went to a different service station, reasoning that perhaps it was just a telecom issue, but no, the next service station rejected the same card. Apparently, the black box reasons that not only could I not legitimately be in Canada, but I clearly can't also be in my own neighbourhood.

I finally purchased gasoline at the second station using a different credit card. And I had a few words with Citibank customer service when I got home.

I've had this credit card for 17 years, but at this moment, I have to honestly question whether I should keep this card. Citibank's fraud prevention has prevented a stack of transactions over the years. It works perfectly as long as I hold it in my hand and keep within a limited range of home. Once I get away from the Baltimore-Washington zone or the area around our campsite in West Virginia, it starts breaking down quickly. I've learned not to trust it for web purchases or telephone orders, but it didn't occur to me that it would also fail in mail order situations, especially when dealing with a government agency.

I'll have to think about this more in the morning when I'm a bit less pissed off.

September 2017

S M T W T F S
     12
3 45678 9
10111213141516
17181920212223
24252627282930

Most Popular Tags

Style Credit

Expand Cut Tags

No cut tags
Page generated Sep. 26th, 2017 02:07 am
Powered by Dreamwidth Studios