AI SUCKS

[BobbyBrandt]

I feel your pain. You would think that if it was AI involved, it would get trained by your frequent out-of-area charges and no keep tripping over them. We recently flew several states away and had no problem using any of our cards, and we no longer travel that much. If we do go anyplace international, we always notify the card issuer before hand.

My wife ordered some health supplement online a few months back and in the process inadvertently became a subscriber. When the company tried to charge or credit card this morning without approval, the bank saw it as fraud and restricted our card. This is the rewards card that we use daily for almost everything and pay off each month in full. Now we have to wait for a replacement to arrive. A tad inconvenient but it beats having to try to get a refund.

 

[Gamblnluck]

No, this isn't yet another "My story got rejected because of AI" posts.

This is a "My debit card got declined because of AI" post.

For the second time in two weeks, my debit card got declined. Had to call the bank to get it reinstated.

When I asked what the problem was, I was told it's because I tried to make a purchase "outside my area" (whatever the fuck that means,) and the computer does random flags.

Now, I travel around a lot for work so I'm on the road all day, often many miles from home.

And now all of a sudden after years with no problems, I have some dumbass computer monitoring where I travel and blocking my purchases if it decides I'm too far from home.

What the actual fuck???

I asked the guy if there's some new AI program in place, he could neither confirm nor deny.

But I'd bet money AI is the issue.

It's also why the autocorrect/ auto fill feature on my new phone is so fucking stupid it randomly replaces the word I'm attempting to type with something random and not even close.

It's incredibly annoying and frustrating.

One of the best reasons to use a credit card rather than a debit card. I cruise a great deal (like close to 40 over the past 4 or 5 years). I have far less problems with a credit card than a debit. I also have RECOURSE if there is a problem.

 

[gunhilltrain]

One of the best reasons to use a credit card rather than a debit card. I cruise a great deal (like close to 40 over the past 4 or 5 years). I have far less problems with a credit card than a debit. I also have RECOURSE if there is a problem.

People have been figuring out ways to steal things ever since there was anything to steal. Some guy left his spear out 12,000 years ago and it disappeared overnight. History's first theft, perhaps. There is a reason why pirates, highwaymen, and such people were often executed if caught. Now the pirates are online.

https://media.istockphoto.com/id/17...=Ees_Gr0ysVpYyki6LSHK_Ch_BfyztxDhHgs8T8Hocgg=

 

[iwatchus]

Thievery is much older than that. Many animals have a sense of ownership and stealing. Our early ancestors almost certainly did before our species existed

 

[ElectricBlue]

It's incredibly annoying and frustrating.

You'd rather your credit card being hacked, then?

It's a fundamental safety feature for banking in Australia, monitoring transactions automatically, freezing transactions and giving you an alert.

 

[Djmac1031]

You'd rather your credit card being hacked, then?

It's a fundamental safety feature for banking in Australia, monitoring transactions automatically, freezing transactions and giving you an alert.

No. I'd rather they just save it for a far more questionable transaction than a value meal at the drive thru.

 

[ElectricBlue]

No. I'd rather they just save it for a far more questionable transaction than a value meal at the drive thru.

That's how the hacks start, multiple low dollar transactions from the same "shop". I've had my ass saved several times by auto-stop systems with my bank - had to go through the hassle of a new card several times, too. I'd rather that than losing the dollars.

 

[Djmac1031]

That's how the hacks start, multiple low dollar transactions from the same "shop". I've had my ass saved several times by auto-stop systems with my bank - had to go through the hassle of a new card several times, too. I'd rather that than losing the dollars.

I get the precautionary measures, I do.

Its just two times in the space of two weeks and both when I was simply trying to get some lunch after a long day.

 

[ElectricBlue]

I get the precautionary measures, I do.

Its just two times in the space of two weeks and both when I was simply trying to get some lunch after a long day.

Try twenty times in as many minutes, then thank the algorithms in the box. Shrug.

 

[ShelbyDawn57]

No. I'd rather they just save it for a far more questionable transaction than a value meal at the drive thru.

There's your problem. Probably one of RFK Jr.'s new initiatives

 

[pink_silk_glove]

Take the time to inform your bank of where you're traveling to, that'll eliminate the problem.

That is none of the bank's business. Banks advertise ease of use and "our card is good in more ATMs in the country than the other banks" and shit like that. The bank promises wide convenience of use, deliver it. And no the bank doesn't have to know where I'm headed. They'll know when I get there because I'll use my card. "tell the bak where you're going," is just another excuse to let the mega-institutions of power track and big brother us, and anyone who thinks that we should have to do this is falling for it hook line and sinker.

 

[AwkwardlySet]

It's all just one more aspect of control we are supposed to get used to. Here, where I live, if you withdraw a large amount of cash from your bank account, the bank clerk is obliged to ask you what you are going to use the money for. The less polite ones often retort, "None of your business."
There are some reasons for their practice, I don't doubt, but one of them has to be getting us used to increasing levels of control

 

[Bramblethorn]

Sounds like your bank is trying to cajole you into installing their garbage app on your phone so they can Hoover up all of your data and your real-time location 24/7/365.

Who's your bank?

If you're using your credit card to make purchases in person they already know where you're making those purchases, app or no.

 

[Bramblethorn]

I wouldn't doubt that for a microsecond. Not only am I slightly familiar with the inner workings of the financial trade, I was an app developer. Double trouble if you're on an Android device - there are ways around user preferences for disabling location and contact list access. But even with iOS, I would bet a paycheck (...I'm retired...) the bank app would not work without location tracking. Evil.

Bank apps are the least of your worries for location privacy. There's a reason why games like Pokemon Go that require GPS location are everywhere.

 

[AG31]

Take the time to inform your bank of where you're traveling to, that'll eliminate the problem.

That is just ridiculous. As if we need more diddley squat to clutter up our lives. Yeah, maybe if you're going to Laos.

 

[MrPixel]

That is just ridiculous. As if we need more diddley squat to clutter up our lives. Yeah, maybe if you're going to Laos.

True. But I've been dealing with that "traveling to" nonsense for about 10 years. At least they didn't (at the time) ask me to refine it any deeper than the states I was traveling to, or through.

 

[Ciceri]

I didn’t get a mobile phone until 2010 because I chose not to own one prior to then. I can’t opt out of Ai, however. It’s in my face whether I like it or not. I didn’t request it. I guess I’ll have to go completely analog and carry cash everywhere from now on. Welcome to 1985

 

[Ciceri]

True. But I've been dealing with that "traveling to" nonsense for about 10 years. At least they didn't (at the time) ask me to refine it any deeper than the states I was traveling to, or through.

It seems all these ID verification methods serve to hurt me and nobody else. Can’t count the number of times I’ve been burned trying to prove my identity, forgetting passwords and pins. I hate that shit

 

[Djmac1031]

True. But I've been dealing with that "traveling to" nonsense for about 10 years. At least they didn't (at the time) ask me to refine it any deeper than the states I was traveling to, or through.

I fully get it if I'm leaving my home state and flying across, or out of, the country to take a vacation.

I'd be shopping in very different locations, paying for hotel rooms and probably overpriced drinks at the bar or whatever. So yeah, let them know you're traveling so they dont flag you.

But driving from PA to Jersey then stopping at a fast food joint on my way home sending up a flag is just stupid. And there should be no reason I'd ever need to check in with some corporation to tell them what my work schedule is and what kind of local travel it entails just to spend my own money.

 

[pink_silk_glove]

But driving from PA to Jersey then stopping at a fast food joint on my way home sending up a flag is just stupid.

100% correct.

 

[Kumquatqueen]

Anyone who's stolen credit card details typically uses them for a couple small purchases, often fast food, before trying a large one. With the result that takeaway food in a new area is the most likely purchase to be declined as too risky.

The spouse frequently orders food from new places and about a third of the purchases get declined. We learnt a lot about card fraud after a horribly convincing call from the 'fraud dept' last year which included ensuring I cancelled my card. We didn't lose any money but there were lots of calls to the credit company because the real guys and fraudsters sounded identical. Also helped that they tried charging £999 to a 'hairdresser' which was actually a house round the corner!

It's just the card company's risk appetite, not necessarily anything to do with AI.

 

[iwatchus]

My step mother lost her CC's last year and they made two fast food purchases (successfully) before going to big box stores to try to buy bug things, presumably for resale. I agree with @Kumquatqueen that this is probably a good flag for a stolen card.

 

[PapaRomantic]

This happens to me, I'm shopping for a new bank. My bank has saved me also, but not for something like this.

Then again, maybe if my bank had stopped me from eating value meals years ago, I wouldn't be working so hard to lose weight...

 

[ShelbyDawn57]

This happens to me, I'm shopping for a new bank. My bank has saved me also, but not for something like this.

Then again, maybe if my bank had stopped me from eating value meals years ago, I wouldn't be working so hard to lose weight...

Had an issue the other day. For something like this, it’s more likely it’s Visa and not your bank.

 

[gunhilltrain]

Thievery is much older than that. Many animals have a sense of ownership and stealing. Our early ancestors almost certainly did before our species existed

True, I just picked that number as sort of the beginning of written history and permanent settlements. I'm not even sure the date is exactly correct.