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March 28th, 2011

And the point of Verified by Visa is??? @ 03:28 am


Not too long ago, I was shopping online and they wouldn’t take my card unless I used Verified by Visa.  A quick Google search indicated that it was a very legitimate extra layer and not terribly onerous level of protection for online transactions.  (Endorsed by my Credit Union to boot.)  It’s no big deal, just an extra password at checkout – I can certainly do that. Honestly, if someone is using my VbV password, they also have to have my card in hand and also know my CVV number.  So, great!  Because honestly, if you have to put in your CC info, AND the CVV number, AND a password – it’s either legit, or someone has stolen your wallet and your laptop and/or knows your password.

Honestly, if you do a VbV transaction, that right there should be some indication of legitimacy of the transaction, and in theory it should save you a shitload of hassle if you have a shopping spree day.  Except that it seems that it doesn’t.

I had two trips to book today through Travelocity.com.  First was to Phoenix to do a “holy crap, we didn’t think her grandchildren would show up again until December!” visit to have eyes on the care centre, and the second to Las Vegas.  Phoenix went through (with VbV) with no issues.  Vegas?  (Again w/VbV) Not so much -  but with a caveat that some debit cards had a daily spending limit and it could be as simple and innocent as that.  It wasn’t until I tried to hit the ATM this evening that I discovered that my card was full on shut down.

I worked fraud prevention at a bank.  I get it.  However, when you or your automated systsem suspects fraud, the first thing that should happen is a call to the cardholder to verify charges – NOT simply shutting down the card with no notice or verification.

So, I’ve got a busted card and a system that thinks I’m making fraudulent charges, DESPITE using their enhanced security systsem.

WTF.

Yeah, I’ll be talking to PFCU tomorrow and I will spare the CSR that answers the call my annoyances and will ask to be transferred directly to fraud prevention – hopefully I’ll be slightly less peeved and won’t unleash the level of annoyance that I’m feeling right now.

Originally posted at CafeChatNoir.net.
 
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