Credit Card companies tick me off, voice calls (RANT)

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lbohan

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Card lost, or stolen? Fraudulent charges?
and/or accounts suspended because of suspected "high-risk activity"

And you want to settle the issues without a voice call?

Maybe, you might've considered using a FAX, US Mail,
or something like PGP encypted/PGP-signed emails?

(or push come to hard shove, some sort of escrow service
to settle these issues on your behalf)


Nope. "We Can't do that"

Moreover, you're likely to find:

1. TTY/TDD's that don't work, and/or are busy.

2. Web-based "Secure Messaging" that can't actually be
used for anything requiring security.

Tell me this is good idea:

Send my account numbers, personal info, and "security words"
via a TTY/TDD. Do you really know that i'm not just
another Nigerian TTY/TDD scammer?
google on: Nigerian TTY/TDD"
(you'll see why businesses despise TTY/TDD's)​

Then, please tell me this is a even better idea:

Send my account numbers, personal info, and "security words"
via a relay service. Most of whom outsource their operators
to third-world countries, Eastern Europe, or Russia.​

Let's suppose we could have a voice based conversation?

How do you know I am, who I say I am?
How are you going to (really) verify who I am?
perhaps start with Schneier on Security, for some ideas. Hint: Mother's Maiden Name
is probably not the best choice...​

This is a typical response (Chase, CitiBank)
(freaking useless!)

Unfortunately, we are unable to handle your request
through the Secured Message Center.

However, we have forwarded your inquiry to the
appropriate department for investigation.

Should you have any further questions or comments,
please reply to this message or call us at

1-800-950-5114. We are available 24 hours a day,
7 days a week. Outside the U.S., call collect at 605-335-2222.

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They should accept TTY. Caller ID can tell where the person is calling from. The only problem is, Your husband planning on divorce probably would use a TTY. ANYWAY, My choice is to go to the bank and talk to them in person. That's what I've always done. I don't do business that's located in another state that would force me to call. Like car insurances like Geico. I only do local business because I can pop in their office anytime I have a problem.

But anyway, If this really happening, it seem that Deaf are losing more rights to become independent.
 
I'm surprised the credit card companies in the US don't accept TTY/TDD. Up here in Canada they do, and list their TTY/TDD phone numbers. I don't call the bank/credit card company often, but when I do I never have any problems or busy lines.
*EQL*
 
the CC company TTY/TDD may not be at fault.

In fairness, I don't know that that the credit card card
company's TTY/TDD is really at fault here.

I don't have a (working) 'real' TTY/TDD at the moment
so I'm having to rely on the one or two web sites
that allow you to make a TTY call, usually via a java web applet.

It doesn't work so well. (no big surprise there).

It's the lack of real, usable alternatives for
a authenticated conversation that gets my goat.

Their so-called "secure message center" is really just
so much TSA-like security theatre, if they won't actually
use it, but instead insist on a voice call to do anything important.

the TTY calls, when the TTY/TDD is not busy, are dropped either
right away, or about 2 minutes in. (grrr)

It would be nice if the TTY/TDD relays did work well.

as, f.ex, NexTalk's app allows cut and paste, and
would be a huge time saver ...

I'm exploring some of the PC-hosted TTY software, currently ...
 
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