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So this is what millions of low income, undesirable customers face every day when they try to join the financial system by opening a checking account. What OP h

So this is what millions of low income, undesirable customers face every day when they try to join the financial system by opening a checking account. What OP has experienced is the next iteration of that. What happens to society when the gatekeepers of our technologically enhanced future decide for some arbitrary, non-appealable reason that you are an undesirable and you may not participate. Everything from accepting payments via a dohickey on your iphone to even having an iphone. Or maybe the internet. Maybe you can't have the internet cause the we say so authority says they don't like the neighborhood you live in or something that was in your credit history. I'm getting failed on a similar knowledge based identification on coinbase right now. Failed twice already. At least it's not a final decision, to their credit. There needs to be laws against this almost certain dystopia. That's one reason why I support the EFF.

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protomyth 13y ago
And people wonder why Walmart is so popular with the working poor. Bluebird credit cards (even takes direct deposit), prepay phones, low prices, and low friction. They were advertising health insurance last time I was in there. I do believe they had minute clinics at some places.
km3k 13y ago
I'm having the same problem with Coinbase. And I'm not even under 21, like the author of the article. I'm 28 and have a credit history. But since my name is common enough, I get questions based on my own and others' histories. I even double checked my credit history to make sure there wasn't anything suspicious in there. Coinbase is simply pulling in other people's data. I wonder if there's an identity theft vulnerability waiting to happen here. You're getting questions based on other people and you know one of the answers must be correct. I wonder if an automated system could use that to find the correct answers for a given name.

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protomyth 13y ago

And people wonder why Walmart is so popular with the working poor. Bluebird credit cards (even takes direct deposit), prepay phones, low prices, and low friction. They were advertising health insurance last time I was in there. I do believe they had minute clinics at some places.

km3k 13y ago

I'm having the same problem with Coinbase. And I'm not even under 21, like the author of the article. I'm 28 and have a credit history. But since my name is common enough, I get questions based on my own and others' histories. I even double checked my credit history to make sure there wasn't anything suspicious in there. Coinbase is simply pulling in other people's data. I wonder if there's an identity theft vulnerability waiting to happen here. You're getting questions based on other people and you know one of the answers must be correct. I wonder if an automated system could use that to find the correct answers for a given name.