This past Saturday my son and I were having a "boys day". My wife was out having
fun all day and the boys were left to be boys. Dinnertime rolled around and we were
having too much fun playing LEGO India Jones to even consider making food. So I
treated him to a stereotypical boys dinner - video games and pizza. This was when
the fun turned into fear.
Moments after ordering pizza online from our favorite local pizzeria, the phone
rang.
Caller: "This is Joe from the local pizza place, calling to confirm your order".
The order and delivery location was confirmed.
Caller: "And how do want to pay for this?"
Me: "Um, well I just entered all my credit card info into your website like I usually
do".
Caller: "oh". A moment of pause. "Oh I see your credit card info now in the email."
Me, with a definite tone of anger: "My credit card was sent to you in email?!"
Caller: "um, I'll get that pizza delivered ASAP."
Click
The pizza delivery guy arrived. As it turns out it was the owner delivering the pizza.
He explained to me that he had recently bought the local franchise and had no idea
that the online orders were emailed to him along with all the customer information.
As an attempt at a good-hearted gesture, he gave me some free breadsticks along
with the printed email containing my entire credit card and address information.
I was now bent out of shape. Five minutes of Google searches turned up no methods
for a consumer to report this obvious PCI non-compliance. Asking friends on
Twitter and Facebook ended up with equally non-specific information. Some friends
offered up email addresses of people at Visa, others stated quite assuredly that a
consumer has no means to turn in violators. Realize of course that nCircle (my
employer) is a certified PCI scan vendor and my online friends are all very much
entrenched in information security. That is to say that you would think someone
like me could ask around and quickly find a way to report this merchant to the PCI
council for review.
The next step was to call my bank and issue a fraud alert. The bank customer
support person took my information, listened well and followed her procedural
steps exactly as instructed. All my information was confirmed, past orders were confirmed
and a new card was issued. I requested directions on how to report this merchant
for obvious non-compliance. Furthermore, I felt the merchant was in violation of a
number of laws by printing out my entire credit card number. The bank customer
support person offered the number of the Better Business Bureau.
Think about this. The PCI standards council has worked hard to ensure compliance
of all their merchants. An entire industry has sprung up around the PCI Data
Security Standards. Yet, the standard provideds no means for consumers to flag
merchants for non-compliance. Even the issuing bank seems to have no means to do
so.
Aside from naming names here in my public soap box, how are consumers suppose
to help due their part to ensure security and privacy of the credit card industry?