Commissioner’s Findings - PIPEDA Report of Findings #2013-002: Bank misinformed client of purpose of requesting personal information for picking up credit card
A bank customer complained that the bank improperly demanded to record information from his driver's license when picking up a replacement credit card. The bank initially claimed this was for anti-money laundering purposes, but later admitted this explanation was incorrect. The Office found the demand for information was not well-founded as no information was actually collected. However, the bank contravened PIPEDA by misinforming the customer about the purpose of the collection, a contravention that was resolved by revised bank procedures and staff training.
- Whether the bank limited the collection of personal information to what was necessary.
- Whether the bank's employees could explain the purposes for collecting personal information.
Complaint regarding collection not well-founded; complaint regarding identifying purposes well-founded and resolved.
The collection was not deemed a contravention as the personal information was not actually collected. However, the bank contravened Principle 4.2.5 by providing inaccurate reasons for requesting the driver's license information.
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The bank revised its credit card pickup procedures and circulated this information to staff to ensure employees can accurately explain the purposes of information collection.
- Principle 4.4 PIPEDA
- Principle 4.2.5 PIPEDA
This summary is for informational purposes only and does not constitute legal advice.