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Visa's marketing opt-out has been down for over a week. Is this a legal issue?

marketingreportoptout.visa.com

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Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#131

Post by sumedh »

marcosdumay wrote: post #103
deathanatos wrote: post #85

Earlier quoted context omitted.

This might not be Reddit, and the parent's point might be crudely made, but watch the fines companies are awarded, and put it in terms of revenue, and then scale it to /$60k USD, to put it terms of how "big" of a fine it would be, from an average person's pocket; you'll find that many of these fines are in the sub-dollar range, which to me, makes it completely fair to dismiss them as any sort of real penalty.

That's a very interesting point, but make sure to do it with profit, and not revenue. Revenue is meaningless on this context. (If it's a sub-dollar fine over revenue, it will probably be around $20 on profits, what just moves the needle from the cost of home-made coffee to an airport coffee.)

> That's a very interesting point, but make sure to do it with profit

No dont do it with profit. You can just reinvest all your actual profits in the business and then on paper have a very small profit or even show a loss.

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#132

Post by cure »

ziml77 wrote: post #117
whathappenedto wrote: post #31

When I tried to get my annual credit report, I find that the credit agencies constantly have trouble validating my identify online even though I have one of the simplest reports. A single same address for decades, no loans, paid off every month. They randomly will say that I can't be verified, and I need to snail mail them copies of a bunch of identifying documents to get my credit report. I imagine this is a common…

If they can't verify your identity with enough confidence, would you prefer they just show the report anyway? It's possible that your situation being so simple is exactly what makes it hard for them to be confident that the requestor is you.

> It's possible that your situation being so simple is exactly what makes it hard for them to be confident that the requestor is you.

You know, in theory this sounds reasonable. However:

- these organizations are grossly incompetent (is there anyone left in the US who has not had their data leaked by a credit bureau?)

- the incentives are very badly misaligned (it is our data, but we are not their customers, other corporations are, and they only provide this service because the law requires it)

I'm going to hazard a guess that it's just really crappy software that's causing this.

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#133

Post by jay_kyburz »

NaturalPhallacy wrote: post #115
manquer wrote: post #80

Earlier quoted context omitted.

Do individuals have standing against FTC if they don't action ? Lack of FTC action is causing you material harm , or is there immunity against FTC as well?

Anecdotal, but the FTC has teeth. I noticed I was getting billed by AT&T for South Carolina taxes when I'd been living in Oregon for 3 years. Literally hadn't left the state of Oregon since I'd arrived. I added up the fees in a spreadsheet and it came out to $51. I called AT&T and fought with their customer support who offered me "as a one time courtesy refund $25" and escalating to a manager wouldn't change that. I…

I was once having problem with my Bank, and instead of going into the branch _again_, I used a form on the website to log a complaint. OMG, I've never seen such good customer service!

My guess is the number of complaints resolved is tied to somebodies bonus.

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#134

Post by otterley »

epgui wrote: post #128
nerdponx wrote: post #122

Earlier quoted context omitted.

In general you can't sue the federal government.

On the contrary, that's what judicial review is for. (And there may be other mechanisms as well.)

The general rule of US and English common law is that the sovereign is immune from liability. The reason you can sue the U.S. Government is because Congress passed laws such as the Tucker Act, the Federal Tort Claims Act, the Administrative Procedures Act, and Section 1983 of the Civil Rights Act allowing plaintiffs to do so.

Judicial review doesn't generally let you sue the Government to obtain redress for injuries; it is for enforcing the people's Constitutional rights where the Government is stepping out of bounds. It doesn't let you, say, sue the FTC to get them to do their job.

(This is second-year Constitutional Law, BTW.)

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#135

Post by otterley »

paulcole wrote: post #123
tomrod wrote: post #113

Earlier quoted context omitted.

Yes. My time is highly valuable. As is my ISP pipe and my thought processing. Spam steals that, and you'll find no quarter with most tech folks because this is the societal default.

Quoted post unavailable.

> Let’s not confuse being paid a lot of money at work with our time being valuable.

On the contrary, that's exactly what "being paid a lot of money at work" implies.

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#137

Post by noizejoy »

otterley wrote: post #135
paulcole wrote: post #123

Earlier quoted context omitted.

Quoted post unavailable.

> Let’s not confuse being paid a lot of money at work with our time being valuable. On the contrary, that's exactly what "being paid a lot of money at work" implies.

“My time being valuable” can legitimately be meant in a fully subjective way. In the sense of: I would like to cram a long list of activities (including thinking about certain things) into my remaining lifetime. If that list is a lot longer than my remaining life allows for, the value of my time is arguably pretty high for me - even if it isn’t for others.

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#138

Post by otterley »

noizejoy wrote: post #137
otterley wrote: post #135

Earlier quoted context omitted.

> Let’s not confuse being paid a lot of money at work with our time being valuable. On the contrary, that's exactly what "being paid a lot of money at work" implies.

“My time being valuable” can legitimately be meant in a fully subjective way. In the sense of: I would like to cram a long list of activities (including thinking about certain things) into my remaining lifetime. If that list is a lot longer than my remaining life allows for, the value of my time is arguably pretty high for me - even if it isn’t for others.

I think both can be true!

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#139

Post by noizejoy »

otterley wrote: post #138
noizejoy wrote: post #137

Earlier quoted context omitted.

“My time being valuable” can legitimately be meant in a fully subjective way. In the sense of: I would like to cram a long list of activities (including thinking about certain things) into my remaining lifetime. If that list is a lot longer than my remaining life allows for, the value of my time is arguably pretty high for me - even if it isn’t for others.

I think both can be true!

I just meant they are pretty much independent dimensions, and I interpreted your comment to mean they are highly correlated. Or did I misunderstand what you were trying to say?

Re: Visa's marketing opt-out has been down for over a week. Is this a legal issue?

#140

Post by otterley »

noizejoy wrote: post #139
otterley wrote: post #138

Earlier quoted context omitted.

I think both can be true!

I just meant they are pretty much independent dimensions, and I interpreted your comment to mean they are highly correlated. Or did I misunderstand what you were trying to say?

I think it depends on the frame of reference: one reflects how others value you; the other reflects how you value yourself. (And as most of us know, these are not necessarily correlated...)
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