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That's not what privacy.com does or is for. They advertise it, but I've had transactions blow right through the façade. Specifically, the New York Times, after

That's not what privacy.com does or is for. They advertise it, but I've had transactions blow right through the façade. Specifically, the New York Times, after my trial subscription ended and I watched the stupendously-expensive charges bounce, they kept trying and eventually tried a different way and it went through. I emailed support, and here's what I got back: > Hi, $firstname. I've been reviewing your dispute and wanted to touch base with you to explain what happened. > It appears that the disputed charge is a "force post" by the merchant. This happens when a merchant cannot collect funds for a transaction after repeated attempts and completes the transaction without an authorization — it's literally an unauthorized transaction that's against payment card network rules. It's a pretty sneaky move used by some merchants, and unfortunately, it's not something Privacy can block.

12345hn6789 3y ago
>It's literally an unauthorized transaction that's against payment card network rules. It's a pretty sneaky move used by some merchants, and unfortunately, it's not something Privacy can block Have you found a site that does "block" this? Did you communicate with your credit card company about this? I am wondering
- sidewndr46 3y ago
  Having talked to credit card issuers about this, what they told me was to close the account. They said they had no way to ever stop the charges from coming in.
  - globnomulous 3y ago
    In my case, even closing an account wasn't sufficient. A charge posted to a credit card I'd closed more than a year prior, and the card issuer was legally obligated to process the charge because of the renewal contract that apparently I had signed with the merchant. This led a single late payment, which, in turn, caused my credit score to tank by ~90 points just as I was applying for mortgages. I try not to think about what that, and waiting a year, until mortgage rates climbed to nearly 6%, will have cost me if I'm lucky enough to outlast my thirty-year-fixed mortgage. Edit: and the dark Lord surely reserves a particularly unpleasant circle of hell for loan officers who encourage borrowers to consider a 5-1 variant rate because "we know rates will fall next year."
    - sidewndr46 3y ago
      This is interesting because it means potentially your estate would be liable for such charges indefinitely after your death.
- myself248 3y ago
  Use a prepaid card that you bought at a grocery store a few cities away from your hometown with cash while wearing a mask and not bringing any phones with you or driving a car that logs its location or beacons any identifying signals. I think that might finally allow you to pay for the New York Times on your own terms and not worry about their hounds sniffing you down.
rootusrootus 3y ago
They have a page that says pretty much exactly that, as well: https://support.privacy.com/hc/en-us/articles/360012288214-Force-posts https://support.privacy.com/hc/en-us/articles/360012288214-F... What's interesting is that they seem to be glossing over the truth. It's not unauthorized, per se, it's using a prior authorization code. And it's intended for processing offline transactions. It seems like 'force' is an industry term and a bit hyperbolic when used in lay discussion. More discussion here: https://www.tidalcommerce.com/learn/force-sale-credit-card https://www.tidalcommerce.com/learn/force-sale-credit-card
- sidewndr46 3y ago
  It's the equivalent of a payment processor claiming a dog ate their homework.

12345hn6789 3y ago

>It's literally an unauthorized transaction that's against payment card network rules. It's a pretty sneaky move used by some merchants, and unfortunately, it's not something Privacy can block Have you found a site that does "block" this? Did you communicate with your credit card company about this? I am wondering

sidewndr46 3y ago
Having talked to credit card issuers about this, what they told me was to close the account. They said they had no way to ever stop the charges from coming in.
- globnomulous 3y ago
  In my case, even closing an account wasn't sufficient. A charge posted to a credit card I'd closed more than a year prior, and the card issuer was legally obligated to process the charge because of the renewal contract that apparently I had signed with the merchant. This led a single late payment, which, in turn, caused my credit score to tank by ~90 points just as I was applying for mortgages. I try not to think about what that, and waiting a year, until mortgage rates climbed to nearly 6%, will have cost me if I'm lucky enough to outlast my thirty-year-fixed mortgage. Edit: and the dark Lord surely reserves a particularly unpleasant circle of hell for loan officers who encourage borrowers to consider a 5-1 variant rate because "we know rates will fall next year."
  - sidewndr46 3y ago
    This is interesting because it means potentially your estate would be liable for such charges indefinitely after your death.
myself248 3y ago
Use a prepaid card that you bought at a grocery store a few cities away from your hometown with cash while wearing a mask and not bringing any phones with you or driving a car that logs its location or beacons any identifying signals. I think that might finally allow you to pay for the New York Times on your own terms and not worry about their hounds sniffing you down.

rootusrootus 3y ago

They have a page that says pretty much exactly that, as well: https://support.privacy.com/hc/en-us/articles/360012288214-Force-posts https://support.privacy.com/hc/en-us/articles/360012288214-F... What's interesting is that they seem to be glossing over the truth. It's not unauthorized, per se, it's using a prior authorization code. And it's intended for processing offline transactions. It seems like 'force' is an industry term and a bit hyperbolic when used in lay discussion. More discussion here: https://www.tidalcommerce.com/learn/force-sale-credit-card https://www.tidalcommerce.com/learn/force-sale-credit-card

sidewndr46 3y ago
It's the equivalent of a payment processor claiming a dog ate their homework.