Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 01-31-2016, 04:37 PM   #21
Full time employment: Posting here.
Ronnieboy's Avatar
 
Join Date: Feb 2008
Posts: 646
Quote:
Originally Posted by Bestwifeever View Post
I've never done that but then my common-sense bar is pretty low

It does sound like a mistake on the applicant's part--maybe they used gmail.com instead of yahoo.com, for example. If the OP doesn't want to give SS number to Capital One then it probably will never be resolved.
Ha! I don't think so....if you had applied for a CC and put down your email address for account alerts, statement notification, etc. and after a month or two (the OP said there was a payment made) of not receiving any emails I am sure you would check your account online and see if everything was correct
__________________

__________________
I don't want to spend my entire life at work. I deserve more. - Want2retire aka W2R
Ronnieboy is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 01-31-2016, 04:58 PM   #22
Moderator Emeritus
Bestwifeever's Avatar
 
Join Date: Sep 2007
Posts: 16,375
No--I still get paper bills for almost everything (I told you the bar was low --if I get hit by a bus DH would easily be able to take over until he set up his own system involving an abacus and paper checks sent by snail mail--but that's another low-bar topic) and although I do pay online, not all accounts also email me that a payment is due. I wouldn't notice the absence of an email and haven't ever checked to see that my contact information is accurate. And if I did feel like there were emails I wasn't getting, I would just ask Midpack (the OP) if he had received them .
__________________

__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
Bestwifeever is offline   Reply With Quote
Old 01-31-2016, 06:26 PM   #23
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,977
Quote:
Originally Posted by Tadpole View Post
Can't C1 contact the person by other-than-email and ask him/her to check the accuracy of the email associated with the account?
That's what I was hoping for, but not so far.

Quote:
Originally Posted by Aiming_4_55 View Post
Since you are not comfortable providing information, when you call their published customer service number (not when someone calls you), are you able to confirm general information like street name, city, state, last 4 digits of social security number? Any of this seem accurate?
I just don't want to provide my Soc Sec #, but they won't even look at the acct without me disclosing same. They won't share any info on the acct, and I wouldn't expect them to.

Quote:
Originally Posted by Senator View Post
Because they do not change a customers email address just because an unknown person tells them to.
I haven't asked them to change the email address, I have no idea what the actual cardholders email address is. I have told them the one they've associated with cardholder name (not mine) ending in XXXX is incorrect. I would think C1 would want the cardholders correct email address, and I was hoping they would contact the cardholder to verify email address, and presumably correct it. Seems reasonable to me, evidently not...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 02-01-2016, 05:22 AM   #24
Thinks s/he gets paid by the post
Tadpole's Avatar
 
Join Date: Jul 2004
Posts: 1,170
Midpack, the last 4 digits of your SS should be sufficient for them to identify if the account owner is likely using the same SS as your own. Will they accept just the 4 numbers? The likelihood that the last 4 would be identical is very small unless it were intentional. Having confirmed that they don't have identity theft problems, C1 should be grateful you reported the problem and fix it.
__________________
Tadpole is online now   Reply With Quote
Old 02-01-2016, 07:44 AM   #25
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
donheff's Avatar
 
Join Date: Feb 2006
Location: Washington, DC
Posts: 8,644
I wouldn't be so paranoid about releasing my SSN to the CC fraud department. SSNs are floating around all over the place and a fraud department is not a likely culprit for misusing it. It certainly seems worth confirming that the account you are seeing isn't some sort of identity theft actually using your SSN. Crooks do stupid things - accidentally putting a real email address into the profile is not out of the question.

Also, have you considered freezing your credit? That prevents anyone from opening a new line of credit in your name. I did it about ten years ago and sleep easier.
__________________
Every man is, or hopes to be, an Idler. -- Samuel Johnson
donheff is offline   Reply With Quote
Old 02-01-2016, 09:17 AM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Apr 2013
Posts: 5,585
Quote:
Originally Posted by donheff View Post
I wouldn't be so paranoid about releasing my SSN to the CC fraud department. SSNs are floating around all over the place and a fraud department is not a likely culprit for misusing it.
+1
Folks there have access to millions of people's data, yours would have to be pretty special to get any notice. They aren't going to make it a permanent part of anything so no long term security issues. If you want it fixed make it C1's problem.
__________________
MRG is online now   Reply With Quote
Old 02-01-2016, 09:47 AM   #27
Thinks s/he gets paid by the post
 
Join Date: Mar 2010
Posts: 1,649
If it shows up on your Credit Report, submit a dispute report and Experian will take care of it. I doubt it will show up on your Credit Report.

If it doesn't then it sounds like C1's back office typed the email address wrong or something transferred between screens, etc. I'd give C1 the last 4 digits of your SSN and if that doesn't work, I'd give them your full SSN. Quite honestly if you received mailings from them, they probably have it anyway!

Also it sounds like to solve the issue it requires you to do something to prove you are who you say you are to C1…or keep getting the emails. Or go higher up the chain with C1. Looking at it from their perspective, they can't just change an account holders email because you called and let them know.
Yes, they "should" or "could" try to contact the account holder and re-verify the email but it doesn't sound like they have done that either.
__________________
sheehs1 is offline   Reply With Quote
Old 02-01-2016, 10:02 AM   #28
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 16,474
Isn't this simply a case of someone mistyping their email? In which case C1 shouldn't have any of Midpack's other info, and I don't think he really needs to give it.

It won't show up on any Experian or other credit report unless that person is also using Midpack's SS# or name and address. So I sincerely doubt it will show up in the credit history Credit reports don't track email addresses.

It's always worth checking your credit history annually regardless.

It's annoying getting someone else's emails because they put in the wrong email address. But I don't think it is a security risk to Midpack - just to the person who made the error. It leaves them vulnerable to someone else taking over their account.
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is online now   Reply With Quote
Old 02-01-2016, 12:19 PM   #29
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,977
Quote:
Originally Posted by audreyh1 View Post
Isn't this simply a case of someone mistyping their email? In which case C1 shouldn't have any of Midpack's other info, and I don't think he really needs to give it.

It won't show up on any Experian or other credit report unless that person is also using Midpack's SS# or name and address. So I sincerely doubt it will show up in the credit history Credit reports don't track email addresses.

It's always worth checking your credit history annually regardless.

It's annoying getting someone else's emails because they put in the wrong email address. But I don't think it is a security risk to Midpack - just to the person who made the error. It leaves them vulnerable to someone else taking over their account.
+1, that's what I was trying to say in post #1. Most likely just a nuisance, the only info I can see is NOT mine, but C1 won't correct it...for reasons I can't fathom.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 02-01-2016, 07:05 PM   #30
Recycles dryer sheets
cranberryjoe's Avatar
 
Join Date: May 2013
Location: Western US
Posts: 115
Quote:
Originally Posted by Midpack View Post
+1, that's what I was trying to say in post #1. Most likely just a nuisance, the only info I can see is NOT mine, but C1 won't correct it...for reasons I can't fathom.
Although it would be convenient for you if they removed the email address from that account, it's not your account and they are probably playing it safe by not making any changes to that account from an unknown caller. I wouldn't want any random person who knows or guesses my email address to call my CC company, pretend it was their email address, and effectively stop all my email alerts.
__________________
Grow older, not up
cranberryjoe is offline   Reply With Quote
Old 02-01-2016, 09:23 PM   #31
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,977
Quote:
Originally Posted by cranberryjoe View Post
Although it would be convenient for you if they removed the email address from that account, it's not your account and they are probably playing it safe by not making any changes to that account from an unknown caller. I wouldn't want any random person who knows or guesses my email address to call my CC company, pretend it was their email address, and effectively stop all my email alerts.
How hard would it be for them to contact the account holder and verify the email address they have on record? I am not asking them to do anything based on my word...I just know they have the wrong email address at present. Not sure what I am missing here, but minor in the overall scheme...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 02-01-2016, 09:52 PM   #32
Thinks s/he gets paid by the post
sengsational's Avatar
 
Join Date: Oct 2010
Posts: 3,837
If your email address is associated with the account, I'd use that email address as the userid for the card's web site. Click the forgot password link. You'd get an email, which would let you log on. Then go into settings and change the email address to youareanidiot@getabrain.com. But you might need to know the idiot's favorite high school teacher, and that would blow the plan to smithereens.
__________________
sengsational is offline   Reply With Quote
Old 02-01-2016, 09:55 PM   #33
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,977
Quote:
Originally Posted by sengsational View Post
If your email address is associated with the account, I'd use that email address as the userid for the card's web site. Click the forgot password link. You'd get an email, which would let you log on. Then go into settings and change the email address to youareanidiot@getabrain.com. But you might need to know the idiot's favorite high school teacher, and that would blow the plan to smithereens.
I might just do that if it keeps up, thanks...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 02-01-2016, 10:18 PM   #34
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Apr 2013
Posts: 5,585
Quote:
Originally Posted by Midpack View Post
How hard would it be for them to contact the account holder and verify the email address they have on record? I am not asking them to do anything based on my word...I just know they have the wrong email address at present. Not sure what I am missing here, but minor in the overall scheme...
They could do that but they won't. Contacting the account holder and letting them know the email address is incorrect doesn't sound too great to C1. If I got that call, as the account holder, my question to C1 would be "how much of my data did you morons give away". They have no ability to validate that anyone's email address is correct, unless something requires multistep email account validation. They don't so any character string that could be an email address is valid. So C1 is not going to open up that pile-o-stink with their customer.
__________________
MRG is online now   Reply With Quote
Old 02-02-2016, 06:07 AM   #35
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 16,474
Quote:
Originally Posted by MRG View Post
They could do that but they won't. Contacting the account holder and letting them know the email address is incorrect doesn't sound too great to C1. If I got that call, as the account holder, my question to C1 would be "how much of my data did you morons give away". They have no ability to validate that anyone's email address is correct, unless something requires multistep email account validation. They don't so any character string that could be an email address is valid. So C1 is not going to open up that pile-o-stink with their customer.
Some accounts require an email verification step where an email is sent and the user clicks on a link to continue registration. But I notice this part is often skipped these days - or I see it more for online subscriptions rather than financial accounts.. I usually note that I received a "thank you for registering" email to know everything is OK.
__________________
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!
audreyh1 is online now   Reply With Quote
Old 02-02-2016, 06:30 AM   #36
Recycles dryer sheets
 
Join Date: Nov 2015
Posts: 297
Quote:
Originally Posted by Papa bear View Post
+1
You can also try to login to their account with your email address. "Forget your password" often just sends a new one to your email address. I did that with Expedia and called the lady - she had entered all her contact info. She had no idea that she wasn't using her own email address...
Usually a banks "forgot password" is much more robust than Expedia requirse. Either asking password secret questions, last 4 digits of SSN, card number, etc. Just checked C1 website, they require you to call them if you forgot your username or password.
__________________
bobandsherry is online now   Reply With Quote
Old 02-02-2016, 06:33 AM   #37
Recycles dryer sheets
 
Join Date: Nov 2015
Posts: 297
Quote:
Originally Posted by Ronnieboy View Post
Ha! I don't think so....if you had applied for a CC and put down your email address for account alerts, statement notification, etc. and after a month or two (the OP said there was a payment made) of not receiving any emails I am sure you would check your account online and see if everything was correct
They may not even recall setting up account for electronic / email delivery.
__________________
bobandsherry is online now   Reply With Quote
Old 02-02-2016, 06:46 AM   #38
Thinks s/he gets paid by the post
target2019's Avatar
 
Join Date: Dec 2008
Posts: 3,708
If the bank is smart, they've started a process to confirm or correct email address. You are not the account holder, and won't be included in the process. If bank reveals other persons info to you it is a violation of law.

If you attempt to login to another's account, and are caught, it could lead to legal action against you.
__________________
target2019 is online now   Reply With Quote
Old 02-02-2016, 06:48 AM   #39
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: Chicagoland
Posts: 11,977
Quote:
Originally Posted by target2019 View Post
If the bank is smart, they've started a process to confirm or correct email address. You are not the account holder, and won't be included in the process. If bank reveals other persons info to you it is a violation of law.

If you attempt to login to another's account, and are caught, it could lead to legal action against you.
The bank is not smart...
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57

Target AA: 60% equity funds / 35% bond funds / 5% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is offline   Reply With Quote
Old 02-02-2016, 06:59 AM   #40
Moderator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Rocky Inlets
Posts: 24,465
Quote:
Originally Posted by Midpack View Post
The bank is not smart...
It's not the bank's responsibility to remedy this, it's the account owner.
__________________

__________________
MichaelB is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
disposable email address Rustic23 Other topics 6 02-22-2010 11:16 AM
Spammer Uses MY Email Address yakers Other topics 8 03-15-2009 04:09 AM
Pre Paid Credit Card/ Gas Card or Credit Card nphx Other topics 4 04-29-2008 02:04 PM
Best cash rewards credit card for someone with no credit history? summer2007 FIRE and Money 11 10-16-2007 03:23 AM
How do I get my old ID back - don't have password or email address I registered copyright1997reloaded Forum Admin 1 03-10-2007 07:10 PM

 

 
All times are GMT -6. The time now is 05:50 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.