ACCC - Revision history

Woozle at 15:45, 29 December 2022

2022-12-29T15:45:34Z

← Older revision		Revision as of 15:45, 29 December 2022
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	I initially went with this site for our credit counseling because they seemed the most serious about collecting the information they would need in order to actually help us with our [[User:Woozle/blog/2009-04-07 1003 The Money Situation\|credit situation]]. It was later pointed out to me that perhaps giving them all of our credit card numbers was not the greatest idea, because who knows what they might do with them -- but then I realized I hadn't given the expiration dates, so they would not be able to use those numbers to assess any charges without any outright fraud (they would have to guess the expiration dates, and could not claim that we had authorized any charges).		I initially went with this site for our credit counseling because they seemed the most serious about collecting the information they would need in order to actually help us with our [[User:Woozle/blog/2009-04-07 1003 The Money Situation\|credit situation]]. It was later pointed out to me that perhaps giving them all of our credit card numbers was not the greatest idea, because who knows what they might do with them -- but then I realized I hadn't given the expiration dates, so they would not be able to use those numbers to assess any charges without any outright fraud (they would have to guess the expiration dates, and could not claim that we had authorized any charges).

	It was after sending this in (which I did on [[2009/03/27]]) that they began to annoy me.		It was after sending this in (which I did on [[2009/03/27]]) (later note: or was it [[2009/03/28/ACCC]]?) that they began to annoy me.

	* First, their caller ID shows only "800 service" and the phone number, so I missed their initial call-back.		* First, their caller ID shows only "800 service" and the phone number, so I missed their initial call-back.
Line 16:		Line 16:
	In the meantime, we have come up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.		In the meantime, we have come up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.

	Here's what happened: [[2009-04-13/ACCC/chat]]		Here's what happened: [[2009/04/13/ACCC chat]]
	==2010-05-18==		==2010-05-18==
	I was able to log in with no problems just a couple of days ago. So they have kept our information online for over a year, but I still can't update it or communicate with them.		I was able to log in with no problems just a couple of days ago. So they have kept our information online for over a year, but I still can't update it or communicate with them.

Woozle at 14:58, 29 December 2022

2022-12-29T14:58:07Z

← Older revision		Revision as of 14:58, 29 December 2022
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	[[ACCC]] is [[htyp~~:American Consumer Credit Counseling~~\|American Consumer Credit Counseling]].		[[ACCC]] is {{l/htyp\|American Consumer Credit Counseling}}.
	==2009-04-13==		==2009-04-13==
	I initially went with this site for our credit counseling because they seemed the most serious about collecting the information they would need in order to actually help us with our [[User:Woozle/blog/2009-04-07 1003 The Money Situation\|credit situation]]. It was later pointed out to me that perhaps giving them all of our credit card numbers was not the greatest idea, because who knows what they might do with them -- but then I realized I hadn't given the expiration dates, so they would not be able to use those numbers to assess any charges without any outright fraud (they would have to guess the expiration dates, and could not claim that we had authorized any charges).		I initially went with this site for our credit counseling because they seemed the most serious about collecting the information they would need in order to actually help us with our [[User:Woozle/blog/2009-04-07 1003 The Money Situation\|credit situation]]. It was later pointed out to me that perhaps giving them all of our credit card numbers was not the greatest idea, because who knows what they might do with them -- but then I realized I hadn't given the expiration dates, so they would not be able to use those numbers to assess any charges without any outright fraud (they would have to guess the expiration dates, and could not claim that we had authorized any charges).

	It was after sending this in (which I did on [[2009-03-27]]) that they began to annoy me.		It was after sending this in (which I did on [[2009/03/27]]) that they began to annoy me.

	* First, their caller ID shows only "800 service" and the phone number, so I missed their initial call-back.		* First, their caller ID shows only "800 service" and the phone number, so I missed their initial call-back.
	* Next, I realized that I should have given them our other phone number, which can be picked up after the voicemail kicks in (it's an answering machine rather than the phone service's voicemail), so I tried to update the phone number.		* Next, I realized that I should have given them our other phone number, which can be picked up after the voicemail kicks in (it's an answering machine rather than the phone service's voicemail), so I tried to update the phone number.
	** The web site allowed me to log in and see what information I had already given them, but would not let me change it.		** The web site allowed me to log in and see what information I had already given them, but would not let me change it.
	** They do have a live chat application (almost but not quite [[phone phobia\|as bad as having to phone]]), so I clicked on the link and signed in -- only to be told that no chat representatives were available (what are the days/hours?), so please leave a message. Okay, I figured, that's as good as sending an email, so I sent a [[2009-03-28 ACCC\|message]] asking (1) could they use this other phone number instead the next time they call, and (2) what's the best way to authorize them to speak with me instead of Harena (since she's the official applicant and I'm not)? There was no response (or even an acknowledgement that my message was received), and they continued to use the old number.		** They do have a live chat application (almost but not quite [[phone phobia\|as bad as having to phone]]), so I clicked on the link and signed in -- only to be told that no chat representatives were available (what are the days/hours?), so please leave a message. Okay, I figured, that's as good as sending an email, so I sent a [[2009/03/28/ACCC\|message]] asking (1) could they use this other phone number instead the next time they call, and (2) what's the best way to authorize them to speak with me instead of Harena (since she's the official applicant and I'm not)? There was no response (or even an acknowledgement that my message was received), and they continued to use the old number.
	* Just now, about two weeks later, I tried to log in again, and the site claimed that my user/password was bad.		* Just now, about two weeks later, I tried to log in again, and the site claimed that my user/password was bad.
	** '''Alarming technical note''':		** '''Alarming technical note''':
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	In the meantime, we have come up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.		In the meantime, we have come up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.

	[[2009-04-13 ACCC chat~~\|Here's what happened.~~]]		Here's what happened: [[2009-04-13/ACCC/chat]]
	==2010-05-18==		==2010-05-18==
	I was able to log in with no problems just a couple of days ago. So they have kept our information online for over a year, but I still can't update it or communicate with them.		I was able to log in with no problems just a couple of days ago. So they have kept our information online for over a year, but I still can't update it or communicate with them.

Woozle: 2010-05-18 update

2010-05-18T13:58:26Z

2010-05-18 update

← Older revision		Revision as of 13:58, 18 May 2010
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	[[2009-04-13 ACCC chat\|Here's what happened.]]		[[2009-04-13 ACCC chat\|Here's what happened.]]
			==2010-05-18==
			I was able to log in with no problems just a couple of days ago. So they have kept our information online for over a year, but I still can't update it or communicate with them.

Woozle: /* 2009-04-13 */ update: link to chat transcript

2009-04-13T18:09:13Z

2009-04-13: update: link to chat transcript

← Older revision		Revision as of 18:09, 13 April 2009
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	In the meantime, we have come up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.		In the meantime, we have come up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.

			[[2009-04-13 ACCC chat\|Here's what happened.]]

Woozle: date of original application; some reorg

2009-04-13T17:48:52Z

date of original application; some reorg

← Older revision		Revision as of 17:48, 13 April 2009
Line 3:		Line 3:
	I initially went with this site for our credit counseling because they seemed the most serious about collecting the information they would need in order to actually help us with our [[User:Woozle/blog/2009-04-07 1003 The Money Situation\|credit situation]]. It was later pointed out to me that perhaps giving them all of our credit card numbers was not the greatest idea, because who knows what they might do with them -- but then I realized I hadn't given the expiration dates, so they would not be able to use those numbers to assess any charges without any outright fraud (they would have to guess the expiration dates, and could not claim that we had authorized any charges).		I initially went with this site for our credit counseling because they seemed the most serious about collecting the information they would need in order to actually help us with our [[User:Woozle/blog/2009-04-07 1003 The Money Situation\|credit situation]]. It was later pointed out to me that perhaps giving them all of our credit card numbers was not the greatest idea, because who knows what they might do with them -- but then I realized I hadn't given the expiration dates, so they would not be able to use those numbers to assess any charges without any outright fraud (they would have to guess the expiration dates, and could not claim that we had authorized any charges).

	It was after sending this in that they began to annoy me.		It was after sending this in (which I did on [[2009-03-27]]) that they began to annoy me.

	* First, their caller ID shows only "800 service" and the phone number, so I missed their initial call-back.		* First, their caller ID shows only "800 service" and the phone number, so I missed their initial call-back.
Line 9:		Line 9:
	** The web site allowed me to log in and see what information I had already given them, but would not let me change it.		** The web site allowed me to log in and see what information I had already given them, but would not let me change it.
	** They do have a live chat application (almost but not quite [[phone phobia\|as bad as having to phone]]), so I clicked on the link and signed in -- only to be told that no chat representatives were available (what are the days/hours?), so please leave a message. Okay, I figured, that's as good as sending an email, so I sent a [[2009-03-28 ACCC\|message]] asking (1) could they use this other phone number instead the next time they call, and (2) what's the best way to authorize them to speak with me instead of Harena (since she's the official applicant and I'm not)? There was no response (or even an acknowledgement that my message was received), and they continued to use the old number.		** They do have a live chat application (almost but not quite [[phone phobia\|as bad as having to phone]]), so I clicked on the link and signed in -- only to be told that no chat representatives were available (what are the days/hours?), so please leave a message. Okay, I figured, that's as good as sending an email, so I sent a [[2009-03-28 ACCC\|message]] asking (1) could they use this other phone number instead the next time they call, and (2) what's the best way to authorize them to speak with me instead of Harena (since she's the official applicant and I'm not)? There was no response (or even an acknowledgement that my message was received), and they continued to use the old number.
	** Just now, about two weeks later, I tried to log in again, and the site claimed that my user/password was bad.		* Just now, about two weeks later, I tried to log in again, and the site claimed that my user/password was bad.
	** '''Alarming technical note''':		** '''Alarming technical note''':
	**: In the "Technical Support FAQs" section which appears when you click on "Forget your logon information? Click here.", one of the FAQs notes that "For security purposes our system locks after too many failed login attempts. Try closing all of your windows and restarting the browser. If this does not work, go into Tools >> Internet Options >> Choose Delete Cookies, then restart your Browser."		**: In the "Technical Support FAQs" section which appears when you click on "Forget your logon information? Click here.", one of the FAQs notes that "For security purposes our system locks after too many failed login attempts. Try closing all of your windows and restarting the browser. If this does not work, go into Tools >> Internet Options >> Choose Delete Cookies, then restart your Browser."
	**: This heavily implies that the system lock depends on the browser's storage of a cookie. '''This is really stupid.''' People who hack web sites have '''total control over their cookies'''; if failure to retain cookies lets you attempt as many logins as you want, then of course they will turn off cookies in whatever browser software they are using. So hackers are allowed as many login attempts as they want, and legitimate users get blocked.		**: This heavily implies that the system lock depends on the browser's storage of a cookie. '''This is really stupid.''' People who hack web sites have '''total control over their cookies'''; if failure to retain cookies lets you attempt as many logins as you want, then of course they will turn off cookies in whatever browser software they are using. So hackers are allowed as many login attempts as they want, and legitimate users get blocked.

	In the meantime, we ~~came~~ up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.		In the meantime, we have come up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.

Woozle: link to message; correction about timespan

2009-04-13T17:45:11Z

link to message; correction about timespan

← Older revision		Revision as of 17:45, 13 April 2009
Line 8:		Line 8:
	* Next, I realized that I should have given them our other phone number, which can be picked up after the voicemail kicks in (it's an answering machine rather than the phone service's voicemail), so I tried to update the phone number.		* Next, I realized that I should have given them our other phone number, which can be picked up after the voicemail kicks in (it's an answering machine rather than the phone service's voicemail), so I tried to update the phone number.
	** The web site allowed me to log in and see what information I had already given them, but would not let me change it.		** The web site allowed me to log in and see what information I had already given them, but would not let me change it.
	** They do have a live chat application (almost but not quite [[phone phobia\|as bad as having to phone]]), so I clicked on the link and signed in -- only to be told that no chat representatives were available (what are the days/hours?), so please leave a message. Okay, I figured, that's as good as sending an email, so I sent a message asking (1) could they use this other phone number instead the next time they call, and (2) what's the best way to authorize them to speak with me instead of Harena (since she's the official applicant and I'm not)? There was no response (or even an acknowledgement that my message was received), and they continued to use the old number.		** They do have a live chat application (almost but not quite [[phone phobia\|as bad as having to phone]]), so I clicked on the link and signed in -- only to be told that no chat representatives were available (what are the days/hours?), so please leave a message. Okay, I figured, that's as good as sending an email, so I sent a [[2009-03-28 ACCC\|message]] asking (1) could they use this other phone number instead the next time they call, and (2) what's the best way to authorize them to speak with me instead of Harena (since she's the official applicant and I'm not)? There was no response (or even an acknowledgement that my message was received), and they continued to use the old number.
	** ~~About a week~~ later, I tried to log in again, and the site claimed that my user/password was bad.		** Just now, about two weeks later, I tried to log in again, and the site claimed that my user/password was bad.
	** '''Alarming technical note''':		** '''Alarming technical note''':
	**: In the "Technical Support FAQs" section which appears when you click on "Forget your logon information? Click here.", one of the FAQs notes that "For security purposes our system locks after too many failed login attempts. Try closing all of your windows and restarting the browser. If this does not work, go into Tools >> Internet Options >> Choose Delete Cookies, then restart your Browser."		**: In the "Technical Support FAQs" section which appears when you click on "Forget your logon information? Click here.", one of the FAQs notes that "For security purposes our system locks after too many failed login attempts. Try closing all of your windows and restarting the browser. If this does not work, go into Tools >> Internet Options >> Choose Delete Cookies, then restart your Browser."

Woozle: Created page with 'ACCC is htyp:American Consumer Credit Counseling|. ==2009-04-13== I initially went with this site for our credit counseling because they seemed the most serious about col...'

2009-04-13T17:37:03Z

Created page with 'ACCC is htyp:American Consumer Credit Counseling. ==2009-04-13== I initially went with this site for our credit counseling because they seemed the most serious about col...'

New page

[[ACCC]] is [[htyp:American Consumer Credit Counseling|American Consumer Credit Counseling]].
==2009-04-13==
I initially went with this site for our credit counseling because they seemed the most serious about collecting the information they would need in order to actually help us with our [[User:Woozle/blog/2009-04-07 1003 The Money Situation|credit situation]]. It was later pointed out to me that perhaps giving them all of our credit card numbers was not the greatest idea, because who knows what they might do with them -- but then I realized I hadn't given the expiration dates, so they would not be able to use those numbers to assess any charges without any outright fraud (they would have to guess the expiration dates, and could not claim that we had authorized any charges).

It was after sending this in that they began to annoy me.

* First, their caller ID shows only "800 service" and the phone number, so I missed their initial call-back.
* Next, I realized that I should have given them our other phone number, which can be picked up after the voicemail kicks in (it's an answering machine rather than the phone service's voicemail), so I tried to update the phone number.
** The web site allowed me to log in and see what information I had already given them, but would not let me change it.
** They do have a live chat application (almost but not quite [[phone phobia|as bad as having to phone]]), so I clicked on the link and signed in -- only to be told that no chat representatives were available (what are the days/hours?), so please leave a message. Okay, I figured, that's as good as sending an email, so I sent a message asking (1) could they use this other phone number instead the next time they call, and (2) what's the best way to authorize them to speak with me instead of Harena (since she's the official applicant and I'm not)? There was no response (or even an acknowledgement that my message was received), and they continued to use the old number.
** About a week later, I tried to log in again, and the site claimed that my user/password was bad.
** '''Alarming technical note''':
**: In the "Technical Support FAQs" section which appears when you click on "Forget your logon information? Click here.", one of the FAQs notes that "For security purposes our system locks after too many failed login attempts. Try closing all of your windows and restarting the browser. If this does not work, go into Tools >> Internet Options >> Choose Delete Cookies, then restart your Browser."
**: This heavily implies that the system lock depends on the browser's storage of a cookie. '''This is really stupid.''' People who hack web sites have '''total control over their cookies'''; if failure to retain cookies lets you attempt as many logins as you want, then of course they will turn off cookies in whatever browser software they are using. So hackers are allowed as many login attempts as they want, and legitimate users get blocked.

In the meantime, we came up with a probable solution which involves paying off all the cards, so we probably won't need to talk to these guys. I wanted to send them another message (possibly talking with an actual chat representative if one is available) to just hold off for now, and oh by the way did you ever receive the message I sent earlier -- so I'm going to try to access the chat application to let them know this.