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Thursday, January 25, 2018

A Breach of Privacy from PayPal, Visa and MasterCard?

A Breach of Privacy from PayPal, Visa and MasterCard?

Apparently, unscrupulous "merchants" are able to view a client's credit worthiness without asking for permission to do so - this is not ensuring sufficient funds to carry out a succesful purchase!
I am a member of Empowr - see more here and under the guise of "account protection" they regularly request account validation - they used to do this by debiting $0.01 from the specified account and then crediting it directly and also saying what exactly would happen but since around June 2017 they just say a small amount will be debited and then credited but this amount is now $30 and not so small is it? Another user told me that it takes a few days for the $30 to be reimbursed too!

The only valid reason I can see for this is when a merchant offers a free trial period and asks for payment details in case the client is happy and wants to go further!
In the case of the Empowr "account protection", a blank cheque is in effect being signed allowing Empowr to plunder the account for any amount they see fit!
Notification of this was sent to PayPal, Visa and Mastercard  10th January 2018 and to date the correspondence has not been answered. Empowr have also been told a few times of this in the past with no satisfactory response!
All of this could possibly breach data protection laws in some countries too!
Surely this behaviour is breaching rules and or laws?
Also, as far as I am concerned, PayPal, Visa and MasterCard are seemingly supporting (by servicing payments) what is probably the biggest Ponzi type scam on the internet!
PayPal, Visa and Mastercard have been notified of this breach - some weeks ago but to-date none of them have come back with a response! Disgraceful!