topic Re: Who Do I report this too......personal account release of information in Community Chat

Who Do I report this too......personal account release of information

whezy — Sun, 11 Jan 2015 21:09:47 GMT

This is NOT QVC but another shopping channel. I have an account, in my name only, paid by my credit card also in my name only. My husband has account also.....in his name only paid by his credit card also in his name only. The account numbers are NOT the same. He called to make a purchase and was told he could not because my payment on my account had not posted, which was incorrect and does not matter. I emailed them regarding my personal account information being given to my husband. They say their policy is they can because the "shipping address' is the same. This IS illegal release of my private credit information. To which Federal Agency do I report this matter?

Re: Who Do I report this too......personal account release of information

151949 — Sun, 11 Jan 2015 21:14:28 GMT

Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

Re: Who Do I report this too......personal account release of information

AnikaBrodie — Sun, 11 Jan 2015 21:35:06 GMT

It appears they followed their policy. If you can't live with that perhaps your option is to shop elsewhere. Your post implies you do not want your husband to know about your purchasing habits.

Re: Who Do I report this too......personal account release of information

151949 — Sun, 11 Jan 2015 23:17:14 GMT

On 1/11/2015 AnikaBrodie said:
It appears they followed their policy. If you can't live with that perhaps your option is to shop elsewhere. Your post implies you do not want your husband to know about your purchasing habits.

Implies it very strongly doesn't it?

Re: Who Do I report this too......personal account release of information

BExplorer — Sun, 11 Jan 2015 23:26:07 GMT

On 1/11/2015 happy housewife said:
On 1/11/2015 AnikaBrodie said:
It appears they followed their policy. If you can't live with that perhaps your option is to shop elsewhere. Your post implies you do not want your husband to know about your purchasing habits.

Implies it very strongly doesn't it?

One possibility for separate accounts is to purchase gifts for each other

Re: Who Do I report this too......personal account release of information

persiflage — Sun, 11 Jan 2015 23:33:43 GMT

On 1/11/2015 happy housewife said:
Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

You are so unkind.

Re: Who Do I report this too......personal account release of information

YorkieonmyPillow — Sun, 11 Jan 2015 23:37:01 GMT

Being that it's your husband, I doubt anything would be done.

Re: Who Do I report this too......personal account release of information

KYToby — Sun, 11 Jan 2015 23:48:00 GMT

So your husband could not place an order because of a past-due balance at your address. He knows you have an account and that he is not past due. It does not take a genius to figure out the issue. HSN did not violate any privacy laws by refusing to accept an order and indicating that it was due to past-due balance.

While you may be angry and upset, it is no one's fault. Despite getting your feelings and pride hurt by other honest replies, the solution is obvious -- bring your account up to date, and if you do not like the channel's policies, shop elsewhere going forward.

Re: Who Do I report this too......personal account release of information

dooBdoo — Sun, 11 Jan 2015 23:55:26 GMT

On 1/11/2015 whezy said:
This is NOT QVC but another shopping channel. I have an account, in my name only, paid by my credit card also in my name only. My husband has account also.....in his name only paid by his credit card also in his name only. The account numbers are NOT the same. He called to make a purchase and was told he could not because my payment on my account had not posted, which was incorrect and does not matter. I emailed them regarding my personal account information being given to my husband. They say their policy is they can because the "shipping address' is the same. This IS illegal release of my private credit information. To which Federal Agency do I report this matter?

whezy, I'm sorry you're upset, but you say this is their policy. When you use a site, you do so by agreeing to the stated terms and conditions, policies, etc. So, while you might be upset I doubt reporting this to anyone will be effective or useful.

Re: Who Do I report this too......personal account release of information

Tinkrbl44 — Sun, 11 Jan 2015 23:55:42 GMT

On 1/11/2015 whezy said:
This is NOT QVC but another shopping channel. I have an account, in my name only, paid by my credit card also in my name only. My husband has account also.....in his name only paid by his credit card also in his name only. The account numbers are NOT the same. He called to make a purchase and was told he could not because my payment on my account had not posted, which was incorrect and does not matter. I emailed them regarding my personal account information being given to my husband. They say their policy is they can because the "shipping address' is the same. This IS illegal release of my private credit information. To which Federal Agency do I report this matter?

Seriously?

I would assume that the phone numbers are the same, and it doesn't take a rocket scientist to determine that you two are married and live together. If you want your finances to be completely separate, get yourself a PO box and change your address information to that, and change your phone # to your cell phone.

Re: Who Do I report this too......personal account release of information

AuntG — Mon, 12 Jan 2015 00:11:38 GMT

Are you sure it is illegal because I don't think it is? You might want to reconsider making a mountain out of a molehill.

Re: Who Do I report this too......personal account release of information

Allegheny — Mon, 12 Jan 2015 01:05:17 GMT

You need to research it on their site and elsewhere. What bothers me about "their" policy is what if two people with same last name (i.e.., sisters/brothers) living at same address, using same land line phone. Would they deny one sister from using her credit card if the other sister wasn't current with their account?

Re: Who Do I report this too......personal account release of information

kittymomNC — Mon, 12 Jan 2015 01:13:56 GMT

On 1/11/2015 persiflage said:
On 1/11/2015 happy housewife said:
Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

You are so unkind.

It's sad that some people always have to make negative, snarky remarks which are unwarranted. The OP didn't say her payment was late, she said they told him it hadn't posted yet, and she said it was incorrect. That could be someone else's fault or just the way payments flow... I can make a payment to a credit card online on the day it's due, but it may not post until a day or two later. That doesn't make my payment late.

Re: Who Do I report this too......personal account release of information

kittymomNC — Mon, 12 Jan 2015 01:14:44 GMT

On 1/11/2015 happy housewife said:
On 1/11/2015 persiflage said:
On 1/11/2015 happy housewife said:
Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

You are so unkind.

Good you recognize that - so why don't you hit that little "ignore user " button and you won't have to read what I write? I am so tired of the "Oh poor poor you" replies here I could gag.

Would that keep you quiet for a while?

Re: Who Do I report this too......personal account release of information

chrystaltree — Mon, 12 Jan 2015 01:24:22 GMT

How do you know it's illegal? A friend tried to borrow money from tge retirement account we have through work. We can withdraw or borrow the money we contribute but not the money our employer contributes. Her adult children are benefilciaries, not her husband. She was shocked when they told her that her husband had to give permission. He had to sign and have it notarized a form giving permission for her to withdraw from her own account. It didnt seem legal but it is.

Re: Who Do I report this too......personal account release of information

KYToby — Mon, 12 Jan 2015 02:30:47 GMT

On 1/11/2015 Allegheny said:
You need to research it on their site and elsewhere. What bothers me about "their" policy is what if two people with same last name (i.e.., sisters/brothers) living at same address, using same land line phone. Would they deny one sister from using her credit card if the other sister wasn't current with their account?

Yes, they would. They deny purchases when any person at an address is not current. In fact, if someone defaults at that address, they "blacklist" the address, permitting no one to order from there.

This is all to reduce fraud and keep costs down.

Re: Who Do I report this too......personal account release of information

KYToby — Mon, 12 Jan 2015 02:34:40 GMT

On 1/11/2015 chrystaltree said: How do you know it's illegal? A friend tried to borrow money from tge retirement account we have through work. We can withdraw or borrow the money we contribute but not the money our employer contributes. Her adult children are benefilciaries, not her husband. She was shocked when they told her that her husband had to give permission. He had to sign and have it notarized a form giving permission for her to withdraw from her own account. It didnt seem legal but it is.

Federal law automatically makes a spouse the beneficiary of retirement accounts like this. To make anyone else beneficiary requires spousal approval. This is clearly spelled out when one joins such a plan, but like most things, people do not pay careful attention and then act surprised when this happens.

Re: Who Do I report this too......personal account release of information

GCR18 — Mon, 12 Jan 2015 02:37:37 GMT

I believe they consider a household as one. Say one person in the household has too many returns and is banned, everyone at that address is banned.

Re: Who Do I report this too......personal account release of information

HisElk — Mon, 12 Jan 2015 02:47:30 GMT

On 1/11/2015 kittymomNC said:
On 1/11/2015 persiflage said:
On 1/11/2015 happy housewife said:
Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

You are so unkind.

It's sad that some people always have to make negative, snarky remarks which are unwarranted. The OP didn't say her payment was late, she said they told him it hadn't posted yet, and she said it was incorrect. That could be someone else's fault or just the way payments flow... I can make a payment to a credit card online on the day it's due, but it may not post until a day or two later. That doesn't make my payment late.

I agree; no where in the OP's post did it indicate she was late in her payment. Sometimes it takes a few days for payments to post. I was making some payments for a medical procedure and pay it online through my bank. Without fail, I always paid them on the 5th of each month and it took until the 25th of longer of each month to go through. Each time I would get a letter in the mail stating they didn't receive their payment. After calling them numerous times, I was told that it can take that long for them to credit my account.

BTW, I agree with your post #14. I'm on the unhappy one's ignore list with many others, I am sure.

Re: Who Do I report this too......personal account release of information

kittymomNC — Mon, 12 Jan 2015 03:29:21 GMT

On 1/11/2015 HisElk said:
On 1/11/2015 kittymomNC said:
On 1/11/2015 persiflage said:
On 1/11/2015 happy housewife said:
Maybe it would be better if you just paid your bills on time, instead of getting irate when you were caught. the credit bureau counts you both as one - when I get my credit report DH's cards and accounts are on it as well as mine - and vice versa for him.

You are so unkind.

It's sad that some people always have to make negative, snarky remarks which are unwarranted. The OP didn't say her payment was late, she said they told him it hadn't posted yet, and she said it was incorrect. That could be someone else's fault or just the way payments flow... I can make a payment to a credit card online on the day it's due, but it may not post until a day or two later. That doesn't make my payment late.

I agree; no where in the OP's post did it indicate she was late in her payment. Sometimes it takes a few days for payments to post. I was making some payments for a medical procedure and pay it online through my bank. Without fail, I always paid them on the 5th of each month and it took until the 25th of longer of each month to go through. Each time I would get a letter in the mail stating they didn't receive their payment. After calling them numerous times, I was told that it can take that long for them to credit my account.

BTW, I agree with your post #14. I'm on the unhappy one's ignore list with many others, I am sure.

Funny thing, she always says she puts me on ignore, but for some reason she still always knows what I'm posting and sometimes responds. If she had me on ignore, she couldn't talk to others about me and what I've posted. You know how it is when you tell untruths... after a while you can't keep track of them!