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Privacy.com Reissuing All Cards

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Re: Privacy.com Reissuing All Cards

#91

Post by boling11 »

nikolay wrote: post #60
mnisjk2 wrote: post #53

Hi all - I’m one of the founders at Privacy. I’d like to provide more context on why we’re asking customers to reissue cards. In an attempt to stay current with changes in card network and bank requirements, we spent the better part of this year investigating product adjustments and determined that changing our cards from prepaid debit to charge cards is the best option to preserve the customer experience. I recogniz…

I have hundreds of cards! Why are you forcing me to do this?! I have no time! Honestly, I'd probably just move to my main card, which almost never changes! Tomorrow you may decide to do something again! I really don't have time to babysit this! You should grandfather all cards and allow customers to change them if they want, otherwise, they should be valid till their expiration date! You're asking us to do a lot of w…

(I work at Privacy.com)

I'm super sorry for the inconvenience and for the limited lead time. Unfortunately, this change wasn’t fully within our control and was required by our card partners.

Re: Privacy.com Reissuing All Cards

#92

Post by dabber »

rachel_lithic wrote: post #87
fragmede wrote: post #57

Earlier quoted context omitted.

Why force the change onto customers though? Most people understand the difference between a debit card and a credit card, and as someone who's had Privacy.com cards denied because it was a prepaid MC debit card and not a real CC, I've experienced what the problem was. But for merchants where the prepaid debit card works , why can I not continue using that card number there? Privacy.com is a wonderful service, but it…

I hear you on this. We’re really sorry for the inconvenience. Unfortunately, this wasn’t fully within our control. To stay compliant with our bank partner’s requirements and network rules we were forced to make this change to existing Visa cards too. We did explore the card updater[1] and were hoping to be able to use it. Unfortunately it’s not a viable option due to technical limitations. If we could do the updating…

It's always great to see candid comments like these from the people involved. I appreciate you all and I know I'm not alone.

Re: Privacy.com Reissuing All Cards

#94

Post by kingaillas »

prophesi wrote: post #68
hnrodey wrote: post #64

Earlier quoted context omitted.

That has not been my experience and runs counter to their core product offering. Just my two cents.

So a privacy card you used for one merchant was denied by another merchant? And it wasn't due to them rejecting prepaid cards, setting your card to single-use, or setting too low of a dollar limit?

Not OP, but yep, my cards have been locked to the merchant.

I've only experienced this with Kickstarter and then a secondary payment collector (BackerKit, etc) where some extra charge had to be finalized, typically shipping or maybe I threw in some extra doodad, and then had it fail because that second charge wasn't technically the same merchant.

But this was fine and I was happy - working exactly as intended. I just created a new privacy card and updated payment.

Re: Privacy.com Reissuing All Cards

#95

Post by danr4 »

regulatorynerd wrote: post #69
chuckdotis wrote: post #61

Earlier quoted context omitted.

It it possible to continue using Privacy.com without providing an SSN? As I commented in a thread below, I had started using your service connected to a debit card via my credit union. Then was required to attach a bank account/routing number as the source for funding and didn't receive an adequate answer as to why (which is fine, but it's slower to process and it requires that I provide more sensitive information).…

Hi -- I'm the head of legal and compliance for Privacy.com. Unfortunately this is a bank partner requirement, otherwise we wouldn't ask. We do take customer privacy and security very seriously, and have worked hard to have similar data security safeguards as larger companies like Square and Stripe (both places I've worked, so I would know!). You can read more about some of our security practices here. https://privacy…

wait... what if I don't have an SSN? (not a citizen, have a us bank account)

Re: Privacy.com Reissuing All Cards

#96

Post by danr4 »

regulatorynerd wrote: post #62
chuckdotis wrote: post #37

I got this message last night. I started the process to reissue the cards, but I was immediately asked to provide my social security number. Privacy.com already has my bank account number and routing details, but TBH I'm not super comfortable providing even more personal info such as my SSN. Privacy.com has been an amazing service, and although I'll likely cave to their request for my SSN, I'm not all that happy abou…

Hi -- I'm the head of legal and compliance for Privacy.com. Unfortunately this is a bank partner requirement, otherwise we wouldn't ask. We do take customer privacy and security very seriously, and have worked hard to have similar data security safeguards as larger companies like Square and Stripe (both places I've worked, so I would know!). You can read more about some of our security practices here. https://privacy…

What if i'm not a US citizen? don't have a SSN...

Re: Privacy.com Reissuing All Cards

#97

Post by awslattery »

m0ngr31 wrote: post #3
AdamJacobMuller wrote: post #2

Seems like they are changing bank partners and will use cards that code as "charge card" instead of "prepaid card" which is great (some places block "prepaid" cards) but they are forcing this change on everyone (as much as I could see) and doing it with only 30 days of notice, which is much less great.

Always bugged me when I tried to use a Privacy card on Digital Ocean

Weird, I must have added my Privacy card to DO before they made a backend payment processing change. Been using it since July 2016, with a new card in August 2020.

Re: Privacy.com Reissuing All Cards

#98

Post by spindle »

danr4 wrote: post #95
regulatorynerd wrote: post #69

Earlier quoted context omitted.

Hi -- I'm the head of legal and compliance for Privacy.com. Unfortunately this is a bank partner requirement, otherwise we wouldn't ask. We do take customer privacy and security very seriously, and have worked hard to have similar data security safeguards as larger companies like Square and Stripe (both places I've worked, so I would know!). You can read more about some of our security practices here. https://privacy…

wait... what if I don't have an SSN? (not a citizen, have a us bank account)

Right, this is crazy. I'm a US citizen but don't have an SSN and couldn't get one last time I tried.

Re: Privacy.com Reissuing All Cards

#99

Post by mattnewton »

octopoc wrote: post #36
mattnewton wrote: post #30

Earlier quoted context omitted.

Privacy.com has been fantastic for me - AMA. However I am such a heavy user that this announcement is actually rather annoying. I didn't see an email about it yet either, and could have easily missed that I am going to need to update 10 or so subscriptions this month :/

Can you hook Privacy.com up to a budgeting app that uses e.g. Plaid or Finicity to monitor transactions?

Not 100% sure since don't use those apps, I actually pay for privacy.com to obfuscate what the money was spent on so my bank doesn't know either in it's budgeting view. But if you don't do that I think budgeting apps should be able to work, since the merchant name is passed through in the transaction metadata. Bank of America correctly categorized transactions before I disabled this, so I imagine your other apps might work.

Re: Privacy.com Reissuing All Cards

#100

Post by divbzero »

spindle wrote: post #98
danr4 wrote: post #95

Earlier quoted context omitted.

wait... what if I don't have an SSN? (not a citizen, have a us bank account)

Right, this is crazy. I'm a US citizen but don't have an SSN and couldn't get one last time I tried.

Somehow I’ve assumed every US citizen has an SSN. Are there obstacles you encounter from not having an SSN? What is the process for opening bank accounts or applying for loans?
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