Early resolved case summary #10: Bank improves its credit card account verification practices after challenge from customer - February 20, 2014
An individual complained that her bank required her to provide the last six digits of her Social Insurance Number (SIN) to set up a verified credit account for online purchases. The complainant believed this collection was unnecessary and sought an alternative. The bank initially maintained its practice but, after being informed of a similar OPC finding regarding transparency, discontinued the practice and updated its website to remove this authentication method. The complaint was resolved.
- Bank's collection of partial SIN for account verification
- Transparency of alternative authentication methods
- Adequacy of information provided on the bank's website
Complaint resolved through improved practices
The bank discontinued its practice of collecting partial SINs for account verification and updated its website to reflect this change after the OPC brought a similar finding on transparency to its attention. The complainant accepted this resolution.
AI-generated summary for reference only. Always verify against the official decision ↗
The bank discontinued the practice of using partial SINs for authentication and updated its website.
- PIPEDA
This summary is informational only and not legal advice.