“ When I signed up for ChatGPT, not only did I turn off personalization and training on my data, I even filled out the privacy request opt-out …”

You did all of that but then you gave them your real name?

Visa/MC payment network has no ability to transfer or check card holder name. Merchants act as if it does, but it doesn’t. You can enter Mickey Mouse as your first name and last name… It won’t make any difference.

Only AMEX and Discover have the ability to validate names.

FWIW, I have a paid account with OpenAI, for using ChatGPT, and I gave them no personal information.