Broken Policies

As an email policy wonk, I think a lot about how specific policy implementations can go wrong. Sure, every policy can go wrong, or not fit a common case. A lot of people only write polices that address common cases and don’t worry about the rarer cases. The problem is there are some rare cases that may cause significant harm and those cases should be addressed.
Consumerist has a case up about email policy gone wrong with a clear path to harm but no policy for handling the issue. There are a couple places I see where this policy hole can be fixed.
Chase Bank does no verification when they collect email addresses, which results in them sending email to a person who does not have an account with Chase. This is not an ideal situation for anyone. Chase is revealing private financial information to an outside party, the actual bank customer is not getting their information and someone is getting email about money that’s not theirs.
In terms of policy for institutions handling sensitive personal information, I would always recommend implementing a verification step. This is mail that people want so they should confirm it. It’s also mail that really should be not going to 3rd parties.
Chase does not implement any verification step for email. This isn’t a fatal problem, as long as there is some process in place to get feedback and then correct the issue.
Unfortunately, Chase’s policies failed here, too. Chase requires an account number to speak to a representative about any issues. In this case, the email recipient does not have an account number. All of Chase’s contact channels rely on an account number: no account number, no talking to a human.
In terms of overall policy  Chase is hoping here is that, at some point, their actual customer will notice they’re not getting email and call in and attempt to troubleshoot the problem with Chase reps. I’m willing to bet, though, that their tier 1 people don’t have the training or information needed to troubleshoot this problem. I expect they’re going to read the script that says, “We sent you the mail, it must be a problem on your end. Have a nice day.”
Chase, and other bank analogues that require an account number, that do not verify email addresses should not require account numbers to talk to someone about the mail they are receiving. Why? Because although it’s reasonably rare that the mail is going to the wrong party, the potential harm to the bank’s customer is very high. This danger to customers means the bank should invest in a support pathway that allows non-customers to call, or write, to report misdirected email.
If Chase were my customer, I’d recommend adding a button to the email that says “receiving this mail in error, report here.” Make this a simple form that the recipient can fill out, two boxes one for email address and one optional one for “reason”. Once the bank has the report, they can stop the misdirected email and attempt to contact the customer through another channel. I’d also recommend that customers confirm any new address they add to the account in the future.
I know the bank thinks that by requiring an account number they are protecting their customers. Unfortunately, they’re failing to address a rare but potentially harmful case. Sadly, I expect even after this, they will still fail to implement any changes that will stop this from happening in the future.

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Link roundup June 18, 2010

Hotmail has released a new version of their software with some changes. Return Path discusses the changes in depth, but there are a couple that senders may find helpful.

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Email and politics

I occasionally consult for activists using email. Their needs and requirements are a little different from email marketers. Sure, the requirements for email delivery are the same: relevant and engaging mail to people who requested it. But there are complicating issues that most marketers don’t necessarily have to deal with.
Activist groups are attractive targets for forged signups. Think about it, when people get deeply involved in arguments on the internet, they often look for ways to harass the person on the other end of the disagreement. They will often signup the people they’re disagreeing with for mailing lists. When the disagreements are political, the logical target is a group on the other side of the political divide.
People also sign up spamtraps and bad addresses as a way to cause problems or harass the political group itself. Often this results in the activist group getting blocked. This never ends well, as instead of fixing the problem, the group goes yelling about how their voice is being silenced and their politics are being censored!!
No, they’re not being silenced, they’re running an open mailing list and a lot of people are on it who never asked to be on it. They’re complaining and the mail is getting blocked.
With that as background, I noticed one of the major political blogs announced their brand new mailing list today. Based on their announcement it seemed they that they may have talked to someone who knew about managing a mailing list.

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Who's sharing data

Al has a post asking what people would do if their information was shared after opting out of any sharing.
It’s a tough call and one I think about as I see mail coming to my mailbox to such addresses as laura-sony and laura-quicken and laura-datran. All of these were addresses given to specific companies and where I attempted to opt-out of them sharing my data with other companies. Somewhere along the line, though, the addresses leaked and got into the hands of spammers.
Those addresses are overwhelmed with spams and scams. The frustrating part is there is no way to fix it. Once the addresses are leaked, they’re leaked. They will be receiving spam throughout eternity, even if the companies involved stop selling data or fix their data handling problem.
I don’t know what to do, honestly. If I think it was a one time thing, such as the addresses that started getting spam after the iContact data leak, then I’ll change my address at the vendor and retire the address the spammers have. But with other vendors, I don’t know what happened and I suspect the vendor doesn’t either, and so I can either deal with the spam or hope that I don’t lose real mail from that vendor.
There’s no easy answer. Any time you hand over an email address, or any other form of personal data, you’re trusting in the company, all of their employees and all of their vendors and partners to be honest and competent. This is often not the case.
What do you do?

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