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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?

#51

Post by aidenn0 »

markstos wrote: post #33

IANAL, but if the page is used to opt-out of marketing emails, then yes, Visa is in violation the US CAN-SPAM act, which requires promptly processing opt-out requests. https://www.ftc.gov/business-guidance/resources/can-spam-act... As long as the opt-out page is broken, they should not be sending out marketing emails and could be open to a class-action lawsuit from people they email with no ability to opt-out.

IANAL as well; #6 says that no information other than an e-mail address is required to opt-out, but when I was presented with a login-page for an unsubscribe, my research indicated that it's not cut-and-dry that requiring a login is banned by CAN-SPAM.

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

#52

Post by ecf »

encryptluks2 wrote: post #37
cryo78 wrote: post #23

Earlier quoted context omitted.

Why do you believe that everything the government does is nefarious? If you really believe your government is after you and everyone else you can try to change it or leave the country. The one option that doesn’t change anything is posting unrelated comments on the web. How is the government informing people bad? Are schools bad? Universities?

Quoted post unavailable.

No post body was provided.

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

#53

Post by aidenn0 »

djrogers wrote: post #11
derefr wrote: post #5

Earlier quoted context omitted.

You say that as if it would be a CapEx-laden technological hurdle for Visa, MasterCard, etc. to implement chip-and-pin. But these same companies are already issuing 100% chip-and-pin (plus tap) cards in every market other than the US. If you want to blame anyone, blame the vendors of US ATMs and POS systems. Without their support, and a willingness to push through a deprecation/replacement of older hardware, chip-and…

> But these same companies are already issuing 100% chip-and-pin (plus tap) cards in every market other than the US. Citation please? I haven't seen a non-chip-and-pin card issued here in the US for at least 5 years (probably even longer), and that includes my tiny local bank..

None of my cards are chip-and-pin, they are chip-and-sign (i.e. it's via a chip reader, but no PIN is required to pay)

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

#54

Post by guntars »

docflabby wrote: post #4

Nah cos big corps just do what they want with no penalties unless they piss off enough people that the politicans feel like they need to make a point.. ...we're well into gangster capitalism now

The fact that not being able to unsubscribe from marketing emails counts as gangster capitalism for you.. well.. that must mean things are pretty good.

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

#55

Post by hoppyhoppy2 »

markstos wrote: post #33

IANAL, but if the page is used to opt-out of marketing emails, then yes, Visa is in violation the US CAN-SPAM act, which requires promptly processing opt-out requests. https://www.ftc.gov/business-guidance/resources/can-spam-act... As long as the opt-out page is broken, they should not be sending out marketing emails and could be open to a class-action lawsuit from people they email with no ability to opt-out.

>if the page is used to opt-out of marketing emails

Though I can't access it, I don't think that's what it's for. I believe it's for opting out of having your credit-card purchase history used for marketing purposes (i.e. sold to other companies, not for Visa itself to send you marketing emails).

>U.S. cardholders may opt out of Visa using their card transaction data for VAS, a suite of aggregated data products in the US.

(from the first result on https://www.google.com/search?channel=fs&q=visa+marketing+re... , which points to the same subdomain on visa.com)

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

#56

Post by aidenn0 »

Johnny555 wrote: post #42
anonymousiam wrote: post #15

Earlier quoted context omitted.

American Express handles their own fraud cases. Their cards are generally not issued by banks. I have no association with them other than being a card member since 1982, but their customer service is far better than Visa/MC, and yes, you can get a card from them with no annual fees + perks.

their customer service is far better than Visa/MC I used to think that (and maybe it was true once), but haven't found that to be the case, I've had far better experience from Chase for my Sapphire card. My wife recently ran into a problem with a booking through Amex's own travel service, the hotel said they had a reservation, but not payment, but we paid for the room at Amex travel. So we figured no problem, just pa…

IMO AmEx is still better than most banks, but my Chase card has definitely had better service in the past few years. Back in the day Discover had wonderful service, but I stopped carrying one because too many merchants wouldn't accept it.

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

#57

Post by hoppyhoppy2 »

guntars wrote: post #54
docflabby wrote: post #4

Nah cos big corps just do what they want with no penalties unless they piss off enough people that the politicans feel like they need to make a point.. ...we're well into gangster capitalism now

The fact that not being able to unsubscribe from marketing emails counts as gangster capitalism for you.. well.. that must mean things are pretty good.

it's to opt out of having your purchase history sold, not to opt out of receiving marketing emails.

>U.S. cardholders may opt out of Visa using their card transaction data for VAS, a suite of aggregated data products in the US.

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

#58

Post by whathappenedto »

colejohnson66 wrote: post #44
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…

Why not just view them online? Sites like CreditKarma have existed for years. And if you don’t trust third parties, Experian let’s you view theirs on their own site. The benefit is being able to see updates more than once a year. CreditKarma updates every week.

Yeah that's what I'm trying to do, to view them online. I've looked up what's going wrong, and quite a few people have this issue that they can't be verified online.

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

#59

Post by starwind »

Johnny555 wrote: post #42
anonymousiam wrote: post #15

Earlier quoted context omitted.

American Express handles their own fraud cases. Their cards are generally not issued by banks. I have no association with them other than being a card member since 1982, but their customer service is far better than Visa/MC, and yes, you can get a card from them with no annual fees + perks.

their customer service is far better than Visa/MC I used to think that (and maybe it was true once), but haven't found that to be the case, I've had far better experience from Chase for my Sapphire card. My wife recently ran into a problem with a booking through Amex's own travel service, the hotel said they had a reservation, but not payment, but we paid for the room at Amex travel. So we figured no problem, just pa…

I've had problems with AmEx for travel issues but never problems for return protection or charge backs (except in one weird case but they fixed it like a year later). I do travel and dining on my Sapphire and everything else on my AmEx

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

#60

Post by LukeShu »

markstos wrote: post #33

IANAL, but if the page is used to opt-out of marketing emails, then yes, Visa is in violation the US CAN-SPAM act, which requires promptly processing opt-out requests. https://www.ftc.gov/business-guidance/resources/can-spam-act... As long as the opt-out page is broken, they should not be sending out marketing emails and could be open to a class-action lawsuit from people they email with no ability to opt-out.

> could be open to a class-action lawsuit from people they email with no ability to opt-out.

CAN-SPAM does not grant standing to individuals. The only recourse individuals have under CAN-SPAM is to report the violation to the FTC and hope the FTC does something about it.

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