|
My first question is When is a jumbo Lending Tree mortgage loan required? Hoping for any comment. Another question on my mind: We can AGREE to DIS-AGREE.... |
|
|
|
Good question... I dunno what is the answer. I'll do some poking around and get back to you if I find an answer. You should email the people at Lending Tree as they probably could help you..
|
|
If there is a QUESTION about the card or signature or you have a WOMAN WITH A NAME ON THE CARD OF FRED~~~FINE.
...but to just WITH-OUT "PROBABLE CAUSE" ask 100% of the people for ID...JUST BECAUSE...I WON'T ACCEPT THAT..... |
|
The laws relate to RECORDING information such as addresses, phone numbers and the like. A few years back, Radio Shack, for example, was particularly aggressive about requiring IDs for credit card purchases so that they could update their MARKETING databases. Think about minimum wage clerks having your credit card numbers, expiration dates and ALL of the information on your drivers license. I remember some cases of identity theft were directly linked to this practice in the late 80s..
This issue has resurfaced recently with the mag stripes on drivers licenses in some states... |
|
This is a BIG.
RED. LIGHT if your DL has your SS# as your license #.. |
|
I just telephoned American Express and asked them if it is against their policy for a merchant to request photo ID. They said (direct quote): "Absolutely not. About 3% of our merchants require photo ID. It is strictly up to them.".
We see stuff like what Butch quoted all over the net, but that's just garbage. It's not Butch's fault it's a common belief, and it's stated in very official-sounding sentences by so-called experts all the time. However, it's an urban legend. It's just untrue. Maybe it was true at one time, I don't know.. The real deal is this: It doesn't violate any VISA, MasterCard, or American Express policy for a merchant to request a photo ID.. Neither does it violate "The LAW" (as the title of this thread puts it, lol).. George, if you're going to refuse to provide a photo ID, at least know that it's your personal policy and isn't grounded in any law or credit card company term of service.. Doc.. |
|
Yup. That's always been my thought process, too. I've even been known to gently ask the cashier to please actually LOOK at the card she's taking, because as far as she knows, it might not be mine..
I have noticed lately, though, that a lot more of the people taking my cards have actually done as I asked and asked for ID.. :).. |
|
OK...YOU GET ALL YOUR BUDDIES TOGETHER TO MAKE A LAW THAT "ID REQUIRED" AT ALL BUSINESSES THAT ACCEPT CREDIT CARDS...and I will get out of the credit card business 100%.....
|
|
George, the point is that there is no law which prevents a merchant from asking for your ID. There's also no law requiring that they do it. Bottom line: there is no law. It's just up to them..
Doc.. |
|
I just quoted from the link you guy's posted..
Requesting. Reasonable. Id may not be against their "procedure", but it would make sense to me that Visa, Master card et al, wouldn't want the merchant to over do it.. After all the CC company already has all the information necessry to get ahold of you if there's a problem so there's really no need for the Merchant to "over do it" by requiring a Urine, Stool Sample and Finger Prints with your purchase.. I'm with Doc anyway. I see no problem providing id with my card.. :).. |
|
I agree with that! Imagine this: You're with a date at a very upscale restaurant. You present your AmEx Platinum Card at the end of a wonderful time. The waiter then says, "Sorry, sir, can I see your driver's license?" ::groan:: Sure, they can do it, but that's surely one of those transcendant-wannabe moments escape your skin and channel to Pluto ASAP. :).
Doc.. |
|
Slightly O.T., but still related...
Just read today in the SF Bay area news..a 19 y/o employed by Home Depot in Pleasanton,CA was arrested for writing down customer cc#'s & info, then using that info to make over $30k in "gift card" charges....So the potential is always there for identity theft as well as fraud being perpetrated on the customer with or without additional I.D... |
|
Then the Discover to go card is just a waste of time, imho - ya stick it on your keychain, possibly becuase you don't want to have to carry your purse/wallet with you when you go somewhere. So what is the point of whipping out your keys with the Discover card on it, and then being asked for ID? Kind of ruins the whole selling point of the card, no?.
Ozzy... |
|
I've posted about this before and never got much of a response, so I started taking it up with the offenders (stores/restaurants) individually. Have actually had some limited success with changes being made to the receipt!.
Many stores and restaurants print your card # on the receipt AND YOUR FREAKIN' NAME! I can see the last 4 digits of your card or similar, but that's no different than losing your card, imho. Unless your Joe Smith, in NY, NY, where there could be 100's of you... if you've got a not-so-run-of the mill last name and live in a small place, what's the problem with a thief opening up the phone book (or an internet search), finding your address, and goin' to town on the internet with your card - while your card is still in your wallet??!! I like that some e-tailers now ask for the CIC # (is that what's it's called??) - the 3 digit number on the back of your card for added security. That's wonderful.. But I'll never understand why on earth more people don't complain about all that info on your receipt - many people just throw their receipts away when they get gas and pay at the pump - or leave their receipt on the table at a restaurant - that's just an open invitation to someone using your card!. (yeah, I'm a little passionate about this topic.. sorry to rant!). Ozzy... |
|
It's staggering how many merchants will run your credit card without even looking at the card to see what the name is on it. Even if it's a policy with the merchant to check, the policy will be routinely ignored by employees..
Fewer are those clerks that will actually compare your signature with the card.. I used to work as a cashier in Iowa. I compared signatures on *every* credit card transaction. If the slip signature deviated too much from the card signature, I would ask for photo ID. If the name did not match, or the gender, or if the card said "check ID". I would ask for photo ID.. Many of the people who had written "Check ID" on their credit cards would tell me: "Y'know, I wrote that on the card, and you're the first person who's actually asked me to see my ID in 6 months.". I would actually *look* at the ID, too. One lady tried to pass a stolen check by using stick-on letters on her driver's license to make her name and address match the check. It wasn't obvious at a glance, but the letters were just slightly uneven, so I asked the lady to take the ID out from the plastic window of her wallet so I could get a better look. She refused (twice). I insisted (courteously). She yanked the check out of my hand, and walked out of the store *fast*, abandoning her cart. Iowa ID's used to have SSN as DL# regularly. When I last lived there, it was optional to have a non-SSN DL#.. Personally, I don't remember a single SSN I looked at on an ID. I only had to enter an SSN when the check-system requested a DL (and the DL# was SSN). However, I did have a workplace hobby of seeing if I could guess a person's state-of-origin by the first three digits of their SSN.. Personally, I would allow clerks to see photo ID upon request. They're usually trained to do it - protecting you and themselves from a fraudulent transaction when they do so. I would not let them photocopy it or give out a telephone number, though.. -ingenue.. |
|
What about Wal-Mart in my area, I've busted them 3 times this year for asking me for ID...they even have the nerve to have signs posted up saying they REQUIRE ID for EVERY SALE with a credit card...I dont think so...one day I took my camera into the store, and was harassed by store security, I told the manager what I was doing, and showed him my letters from VISA/MC saying a merchant may ONLY request photo ID if there was some reason to suspect fraud, or the authorization machine requested it...but WALMART thinks they are above that policy....
They request ID BEFORE they try to authorize the sale, and before they compare signatures...I DONT THINK SO....needless to say, the Sheriffs department was called b/c I was taking pictures of everything to send to VISA/MC, and I politely explained to the Sheriff what I was doing, and showed my proof, and was allowed to continue...guess what...they "POLICY" mysteriously changed overnight.... So when a merchant arbitrarily asks for ID, HE CANNOT, he has to have a reason, PERIOD...I almost sought a TRO over this...b/c some crook at the cash register could easily copy or remember the ID#'s on the PHOTO ID...and that would cause all sorts of problems... |
|
NO "PROBABLE CAUSE" TO ASK FOR ID~~~"we ask everybody".
<WRONG!!!. I'm glad I'm NOT the only one on the side of NO ID unless "PROBABLE CAUSE".. |
|
I also don't mind if someone asks for ID. It actually makes me feel better if the cashier asks for ID, or at least checks the signatures. I once made a purchase at Target ... the lady in the Electronics Dept. flipped the card over and didn't think that the signatures matched, so she asked for my driver's license. I didn't mind at all..
I can see why some people would think it's a hassle to pull out your driver's license. However, in these days of thieves and jerks trying to take you for every penny you have, I don't mind.. I can also see why some people would be upset over showing the license because the number could be copied ... that would cause problems. However, I still don't mind showing it.. I do think, however, that if your picture is on the front of the card that they should NOT ask for your driver's license, unless there is a huge change in your appearance... |
|
I feel the exact same way. I know a few people who have had CC's and checkbooks stolen. Talk about causing problems on your CR! In one case the FBI had to be called in! In any case, I do not get offended when people ask for ID. I really appreciate that they are making sure it's me and not someone else using my card..
I realize that once you report it stolen the perpatrator can't charge anymore, but they could sure do a lot of damage before it's gets reported... |
|
How can you "bust" them for something that isn't against any law or policy? Consider reading this whole thread through again..
Doc.. |
|
You're not, it BURNS ME UP when the kids at the counter do it...one time a manager told me that my Visa Check card didnt fall under that policy, b/c it was a check card.....I said "Lady, it says Visa on it, and I don't have to show ID...dont you ever watch the TV commercials that show the guy with the rabbits..and looking for ID...and at the end it says if you had a Visa Check Card, you wouldnt have to show ID..."..
|
|
'.
I BUSTED them for having an arbitrary policy that requests ID FROM EVERYBODY.....FOR EVERY SALE that is against VISA policy...they can only ask for ID when fraud is suspected, or the auth machine asks for it... |
|
I was wondering the same thing. I am in a situation where my Visa bank card was stolen, the person that took my card drained my account in literally 20 mins. (not that there was much in there but still) so in the end I had about 8 checks bounce. The bank is replacing the money and their fees but I still have to go collect these checks and pay the $30 charge to each one. So that's lets see 240.00 in fees alone...
|
|
The "no ID" policy is to make it more convenient to use the card. Personally, I don't mind showing ID, and I never complain..
VISA does not care if you get unauthorized charges and are put through the mill trying to dispute and get them off your account. VISA does not care if the merchant has to eat the fraudulent charges when you dispute (guess who pays for that!!). They want you to use their card, that's all.. Stores can check my ID all day long, IMO, I will not complain... |
|
I really can't understand the fuss about showing ID. Frankly, IMHO, if having merchants request ID is not currently part of Visa/MC policy it probably should be. I would rather spend 30 seconds providing ID than hours trying to deal with unauthorized charges (it's happened to me). How many times do you present a card only to find the assistant hands it back to you without even looking at the back of the card. What if the person handing over the card was not you??? Even my local Blockbuster normally asks to see a picture ID before handing over movies and I don't see too many people walking out of the store as a consequence...
|
|
IF IT WAS A "CREDIT CARD LAW" ALL CREDIT CARDS ALL THE TIME...FINE!!!..
|
|
You show a license for a check.
...BECAUSE CHECKS ARE NOT CASH.... But the card is AUTHORIZED in <2 seconds...WHY WASTE THE TIME.... "SIGN AND GO".. |
|
I would have NO problem showing ID IF:.
1. the cashiers and clerks were properly trained.. 2. the rule was always followed.. 3. if they checked the signature. Today at target, I put my card in their machine, the cashier never looked at it, and I signed my short name.. It is amazing to me that you have:. Store A: Does not check sig. Store B: Checks sig and wants ID. That is my issue with it.. ITS BAD ENOUGH THAT NO ONE CAN HAND YOU CHANGE CORRECTLY ANYMORE!.. |
|
Heck, often they don't even look at you when giving reciept/change..
They are too busy talking to co workers or doing something personal. They act as if they are being inconvienced by ringing me up.. "gee, Im sorry for making this purchase and giving you my money. I didn't mean to interrupt your social life". When I worked retail long ago, the customer ALWAYS came first... |
|
I support anyone who checks ID with the use of a credit card. If every merchent in the nation checked ID for just one day and then the police became involved when the person did not match the card. Imagine how many dirtbags would be arrested in just one day. I don't really want the credit companies having money stolen from them, I'm more concerned about getting the human waste that is using the cc off the street for a while, even only if it's a few days in jail. That's a few days he/she won't be ripping someone off and causing them months of trying to get their credit repaired..
Just speaking of OH laws. THere are NONE that prevent a merchent asking for ID on a credit card. Why would a cc be excluded when it's ok for a check. Same difference... |
|
I do not sweat the small stuff. I personally don't mind if I am asked to show a photo ID - as long as my information is not written or recorded anywhere. Since 9/11, and with the identity theft explosion, requests for ID are here to stay..
However, as I noted in my previous posts, I have been in situations where the request for ID was used to racially profile. That may seem like a small thing, however, it can be extremely hurtful and traumatizing. (Won't get on a soapbox - but note my previous post on this subject). No - it was not paranoia. Until it happens to you you cannot imagine the feeling.. If you suspect this is the case, don't remain silent! Politely, ask the sales person why they did not ask the person before you for ID. Report it to the manager and follow it up with a professionaly worded letter to the owner and/or corporate office... |
|
I was in the same boat when I lived in Memphis. I am a 5'3, 29 years old at the time, white, green eyed female, the person who stolen my CCs and bank card was a 6'2, 19 year old Afro-American MAN!! He was able to drain my bank account and run up my CCs in 2 1/2 hours. All the while signing my very female name. In big bold letters on every one of my accounts has "ask for picture ID". If you ever have the pain of having a wallet or purse stolen you will rethink your beliefs of asking for that little extra piece of mind..
I was shopping with my mom a few years when I was asked for ID and she wasn't she asked me why and I showed her my card and why I do it. She wrote it on her card right there at the store.. My new pet peeve is the stores ask for your phone number. NOW that's personal. Stores I know, ToysRUs, Linens n Things, TJ Maxx (not everytime), and Lowes. I was in line at Lowes when three people in front of my just blurred out their numbers without a second thought. Didn't even ask why. When I stepped up the cashier asked me and I informed her that I don't give that out. The man behind me said good for you, he didn't give his either.. I don't mind them asking for ID, for the first time in years I got a good picture from the SOS... |
|
B/c it always does. I don't care who they ask or where they ask or why they ask or who asks me, if I'm using MY card ask all day long for ID, ask for two ID's, ask for my work ID, I really don't care proving to someone it is MY card. I've had people tell me they don't have to show me their driver's licenses when I've issued citations. Go figure? We live in a free country, but that freedom does come with some responsibilities and after 9/11, our country is unfortunately a little less free. I hate it as much as anyone else does but now we see how other countries have been living since the beginning of time. I know my opinion doesn't change anything, just my two cents...
|
|
B/c it always does. I don't care who they ask or where they ask or why they ask or who asks me, if I'm using MY card ask all day long for ID, ask for two ID's, ask for my work ID, I really don't care proving to someone it is MY card. I've had people tell me they don't have to show me their driver's license when I've issued citations. Go figure? We live in a free country, but that freedom does come with some responsibilities and after 9/11, our country is unfortunately a little less free. I hate it as much as anyone else does but now we see how other countries have been living since the beginning of time. I know my opinion doesn't change anything, just my two cents...
|
|
I am sooo sorry I meant African American I swear I didn't mean anything by it. My mind was faster then my fingers. I am soooo sorry. Please forgive me...
|
|
Why are you apologizing? Actually, a sizeable segment of the African-American community is using that label currently. I don't think you would offend anyone with saying that. If you did, I think it would be the other person with the problem...
|
|
Des... when they ask me for my ph I always say "404-555-1212".
You should see the looks I get :) course I can sell anything so I have them believe me!. And again, I state, I do not mind showing id, but see my earlier msg about my issues... first I wish they would all check the sig!.. |
|
Thanks.
With this board sensitively sometimes, I'd rather offer an apology, then offend anyone... |
|
I certainly understand. I'm sure it's the safest thing to do...
|
|
AMEN! That's why I have a big problem with people asking for ID. What makes a transaction suspicious?? Your skin color, your name, your looks, your mannerisms? Also, how about when you show ID and they still are giving you a hard time. I've worked very hard to have an AMEX and other prime cards. I'll be damned if someone is going to treat me like a criminal!.
I don't really care what anyone else thinks, it's just my opinion..... |
|
I believe it has to be signed .if the card is not signed they can refuse it or make you sign it if you show photo id. also cid or see id are not valid signatures just read back of cc. I do not think they can ask for id if signed on back do not know for sure...
|
|
If I have to show it, and he has to show it and she has to show it, you have to show it. Working hard to get the credit you deserve is in no way connected with the crime that is know as credit card fraud. Them asking anyone for ID is in no way connected with catching dirtballs. Funny, in this country, everyone wants something done about "crime" and when EFFECTIVE ways are developed, no one wants it used b/c it may cause them an inconvenience for whatever reason. Asking for ID is not a hate-crime and doesn't hinder ANYONE unless it isn't your card...
|
|
"See ID' is not a valid signature. Just sign the card and then write "Do not accept w/o ID"..
|
|
The thing that really irks me is that the merchants that ask to verify ID don't know how to spot a FAKE ID..
A person who is a professional identity theif will know how to make a fake DL or ID to match the card being presented. All they look for is the picture to match the name, and the name to match the CC. That's it!. So, while they THINK they know what they're doing, THEY DON'T - while inconveniencing everyone else who has ID to check it.. Also, I check people's customer service issues with this. I presented my bank's debit card to pay for a meal at Fazoli's in Orange, CA. The meal was for about $15. The manager asked for ID. I presented it and asked him "What if I didn't have it?" He said "I'd make you go get it.". Now, I work at a bank - which is totally different than working at a retail store or restaurant. But if someone doesn't have ID, I can do up to $100 cash back without any ID. Yet, this stupid little restaurant won't do a $15 order without ID!. Merchants are NOT liable for accepting CC without ID - the credit companies are, and the merchant's credit card account is - not the actual store.. Why are so many stores so ANAL about this? Plus, they don't know how to spot a FAKE ID, yet they won't do my $15 order without it. Seems kinda stupid to me!.. |
|
I can tell you that I know there is a policy on this because Toys R Us got busted asking me for ID. Sometime when I go out with my friend I just take my Visa debit card because My wallet is huge and the only purse I have is a diaper bag. I made a purchase at Toys R Us that went through just fine. When I went to sign they asked for ID. I didn't have anything but my card. They refunded my card and said no sale for me.
The transaction had cleared just fine. My signature matched but I had no photo ID. I called Visa and they said they were contacting the store immediately for violating their merchant agreement. They were upset because they knew this was costing them fees. Needless to say Toys R Us doesn't ask for ID when you pay with a credit card in Portland anymore... |
|
Kozman, I agree with you..
However, one particular instance was were I used my Limited card at the store. The card WAS signed. The employee, manager whoever, asked for I.D. of course I obliged. This was during the holiday season so about 10 people were behind. This employee proceded to hold the DL up to the light checked it out for about 1 minute. All in all it took about 5 minutes to leave the store after the sale had been approved. That's why I have problem with it.. All of my cards are signed, I will show I.D. but we don't live in a perfect world and some, not all, probably a few will use this to harass people.. I could go on with many other stories, but I'll spare you. All I'm saying don't be too quick to jump on the 'check id' bandwagon. People sometimes have alterior motives.. One last thing, I've had my pocketbook stolen with cc and all id, multiple forms other than ss card and dl. So the id is not a guarantee. If it's id theft ring, which are big in fl, it's equal opportunity, there will be people of all ages, races, etc. So people can make it match to. Basically, it boils down to criminals will find a way to commit crime no matter how cautious we are..... |
|
So if someone gets a hold of your one of your bank customer's account numbers, they can get 100 dollars just by saying they don't have ID? Can you please release the name of your bank? I'm sure a few of the less honorable that may be on this board may appreciate your banks business practices. I'm sure the bank doesn't really care, they'll just charge a few extra dollars here and there on the ATM and Lending Tree loan interest. Do you get the picture. If the rate of CC fraud was reduced by 50%, that would give the credit card companies that much less ammunition to justify the usury rates they charge. Everyone, quite thinking about yourselves and try to think of what would help out with the common good. Not every idea proposed is a good one, that's a given.
How come everyone isn't so pissed at having to enter you SSN number in on the telephone when you call to get your cc balance? Same difference... |
|
BTW, in working at a bank - we DOCUMENT the ID being presented - should this transaction come back as fraudulent activity. This way, we have PROOF of what we saw as ID..
Now, if I go to pay with a CC or Debit card, they don't ask to document my ID. I think I'm going to insist that they do. I mean - they're going to ask for it now right? Might as well go to the other extreme and make them write my ID #, issuing agency and expiration date on the CC slip.. They're going to think I'm nuts, but they're the ones asking for ID. They only SEE it for a second, but if it came back as FRAUD, they don't have any proof of the id that was presented.. They're trying to protect me right? They might as well do it correctly (while protecting their store). Of course, it'll cause some issues with service, but they don't care. They're trying to protect me, and they just don't have a clue on how to do that... |
|
You are correct betacredit, that's why everyone nneds to continue to be vigilant when it comes to fraud issues. The "checking the ID bandwagon" is not the issue. The issue is with the store being an obvious pain in the ass. What could have been done is have a talk with the store manager and letting them know your displeasure with the service, then getting the district managers number, speakin gwith them and advising them of the same. I'm sure you could have been dealt some future consideration from them. Let's not get good techniques for fighting criminal behavior confused with idiotic/inconsiderate sales people. If you don't like the service, complain!!!! Plus, the Limited has great clothes and a 50% off coupon would be nice during the X-mas season:)..
|
|
Let me explain a bit further. You must either be "known" (seen you a bunch of times) or verify a couple of pieces of acct information. But basically, for $100 or less, we kinda just don't care. If you want more than $100, yes, we need ID and a pin verification of your ATM card..
I work for Wells Fargo as a Service Manager. If that transaction came back as a loss (due to fraud, etc.) the truth is - is that fraud would happen at a much higher $ amount. People would ask for more than $500 if they're going to commit fraud... |
|
Davidkinde,.
Just remember, the dirtballls are always one step ahead. Some of the more progressive retailers are starting to install scanners for the ID's just like some bars are. The magnetic stripe is much harder to fake that the information on the face of the ID, but not impossible, just much harder. The scanner advises if it a valid ID and that the info. is valid as well. We'll always be behind, but not that far behind... |
|
Only brought up the subject of race and identity as it relates to merchants asking for ID. Insofar as saying Afro versus African - again, don't sweat the small stuff. From the content of your message a reader could tell you did not mean anything negative..
I think anyone who feels disrespected by a merchant - for whatever the reason, should calmly discuss it with the management and/or corporate office. If something doesn't feel right - speak up!. Offer to review the card issuer's ID policy with management. If necessary, print out a copy of the policy. If you do not want to show ID, talk it over and get them to clarify their actions.. I got into a discussion with the manager at a Half Price Books Store in Dallas over identification. Some individuals would be asked when they returned or sold merchandise - and some wouldn't. The manager agreed that asking for ID was not uniformly applied. He called the corporate office while I was standing there. After my discussion, now all the stores have a printed sign near the checkout line stating that during transactions over $25 - everyone would be asked for ID.. I agree - asking for ID is stupid when often the clerk barely looks at the identification. But since it appears here to stay - what are our alternatives - other than refusing to patronize that business or refuting the policy with management?.. |
|
Well I'm glad there isn't any worthwhile fraud going on under 500 dollars. How do you know this. The people I run across will commit fraud, buglary, robbery, theft, etc, etc for far less than 500 dollars. Those same people would be digging through the trash in the area around a bank if they knew they MIGHT get away with a hundred bucks if they had an account number and name. My criminals must not be as high class as your bums. I need to move where you live:)..
|
|
At first I was thinking ID is what prevents fraud. But then I remembered at about 3 years ago, I mailed a check out for a bill. Someone stole the check from the envelope, somehow altered it, changed the $10.00 to $300.00..
I went to the bank to fill out the necessary paperwork for fraud. I showed the branch manager my duplicate copy of the check which showed the original amount and payee. She tells me that it would take 45 to 60 days to process. And then of course she asked for my ID. I told her she was out of her mind. It didn't take 45 to 60 days for the thief to cash the my check with a bogus ID. The signature on the check did not come close to matching mine. They had signature cards at the branch and could have looked at those. Nobody tried to prevent fraud.. The ID itself did not prevent fraud. It only enabled in my situation. The only way that ID will prevent any fraud is if clerks can tell the difference between the signature on the cc and the DL AND the receipt. Most of the time it takes too long and the clerks just don't do it... |
|
"The bank doesn't care" where a hundred or less bucks goes. I'm sure alot of us wanted to hear just that and to solidify our beliefs of how banks and other credit granting organizations feel about money. I know myself and everyone else here would care if someone took 100 dollars from us when it didn't belong to them...
|
|
That's exactly what I tell my customers when they have an issue with putting in their Wells Fargo ATM Pin # in our PIN pad device..
Also, if I have an issue with an ID, I swipe the ID through our Credit Card terminal to see what it would show - usually asking for the last 4 # on a CC - but that shows the validity of the CC.. Now, in California, if you put your new "orange looking" DL or ID under a black light, you'll see 3 California Flags showing that the ID was issued by the DMV. We use that to help determine the validity of the ID being presented.. In fact, I'm rather impressed with BofA because they have devices to scan your ID and your ATM card to verify who you are. I'm sure we (at Wells Fargo) will have the same devices and technology as well soon enough... |
|
So.... not presenting ID is the answer. Your missing the point, the service and the checking are the issue, not the ID. Stupid/idiotic/simpleton, whatever the label was at fault here as was the CRIMINAL. Let's put blame where it belongs. The criminal stole YOUR property and the clerk failed to check the ID properly if at all.
I'm sure the criminal got off b/c daddy was an alcoholic and mom didn't love him/her enough and the clerk was probably promoted to store/branch manager. The only one who go tthe shaft was you. Go figure... |
|
Those are great inventions and until everyone has them, just present the ID with the card. Another thing people should never do to help combat the plague known as the non-caring, too busy talking with their friends while working cashier. Don't carry your cards with your ID. If you have the cards stolen, at least they won't be able to pass your ID to the cashier as well b/c they, the cashier, won't be able to tell that you, a 6'3 73 year-old male of Croation/Russian decent is not the person, a 5'2 female of Korean decent, that is presenting the ID for the purchase. The real problem is the people they have working at these places. 18 year olds that have the mentality of 9 year olds and complain b/c they "only" make 10 dollars an hour at Wal-Mart...
|
|
Didn't see this addressed here but I may have missed it. There still seems to be a question about whether stores can ask for ID or not. People have written compelling of both answers being true..
BUTif the store's policy is to check ID then EVERYONE'S ID should be checked. That's it. No discretion except maybe for cards w/ a picture. It is discretion that leads to abuse, humiliation & embarrassment. If everyone is being checked then essentially this is the store's policy and either like it or leave it. Your choice at that point. It shouldn't be left to whim... |
|
FYI, I just made a deposit at my bank... asked for $100 back... they asked for NO ID... this is a damn bank and didnt ask for id...
Why then on a 8.99 boston market meal do they want it!. AAAAAAAAAAAAAAAH! I wanted to get into it at the bank but decided against it... |
|
Because the retail place cares more than the bank does. I went to my CU approximately 5-6 months ago to get a money order so I could buy a car I found. The money order was for 1900.00 dollars. I walk up to the counter, I give my account number and say I need a money order for 1900.00 dollars. Now mind you, I have my wallet in my hand expecting to be asked for ID, NOTHING, just sign here please. You couldn't read my signature if you tried, signed it and walked out with a MO that could be issued to anyone.
They have asked for it everytime. Just piss poor lazy performance by people. No excuses for this kind of service/behavior... |
|
If they say UP-FRONT (WITH A BIG SIGN) that you have to show ID with a credit card fine...I WILL LEAVE WITH-OUT BUYING ANYTHING...but if they wait till it is time to pay...LIKE A RESTAURANT...you can't back out....
F.Y.I. ALL MY CARDS ARE SIGNED WITH MY NAME LIKE IT SAYS TO.... "VOID IF NOT SIGNED" MEANS JUST THAT.... "NOT VALID UNLESS SIGNED". A QUESTION TO ALL YOU "CID" PEOPLE...AND PEOPLE WHO DON'T CARE IF THEY ASK FOR ID (EVEN ON A SIGNED CARD)...why to the credit card companies put this on the card if they NEVER wanted you to sign the card???.. |
|
Your right MandyB, discretion should be removed from everything. Of course I'm being sarcastic. Then don't get made when you get a traffic ticket and you have this great, well, formerly great, driving record, and your insurance will go up and on and on b/c nowadays, most police departments say write EVERYONE a ticket which I though of as foolish. I used to use discretion to give a ticket like your speed, driving record, weather conditions, kids in the car, carelessness, etc, etc. Now, I can't consider what your reason, how great your record has been for the last 20 years, that truck was going to cut you off, I was trying to pass the big rig that was swerving my way, all excuses that were given some weight before. Now it was too bad, I feel for you but sign here please. I don't have any discretion in the matter...
|
|
The back of my card just says "Authorized signature".
My DL has my signature as well. They could check my signature against that as well. Now they have two forms of proof of my identity. So much the better since if I didn't have your DL, I could get somewhat close to your signature on the card by practicing a little bit. Don't sign the card and you don't have to worry b/c you've written in the box, check ID...... |
|
Strange, isn't it? However, at the Boston Markets here in Orange County, any order less than $20 doesn't even require a signature! So, why did they ask for id? (Did you write "See ID" on the back? Then they followed your instructions.)..
|
|
OMG! That's just plain stupid for that CU to do! For me, any withdrawal over $200 must have 2 forms of ID - DL and ATM Pin# - let alone $1900! That teller should be fired (and probably will be too) unless they know you very well...
|
|
I din't say discretion should be removed from EVERYTHING. I just think that it shouldn't apply here. Of course there are always exceptions but if a sign is posted clearly and everyone is asked for their id then it is your choice to shop/dine/whatever at that particular establishment. Sounds like George would take his business elsewhere and I might too. Kind of how I only shop at stores where I agree w/ their return policy..
I would just feel better knowing that everyone is being asked and I am not being singled out.. As one poster said, the ID thing can be used for profiling/harassment. It happened to me a few times when I lived in another area of the country and I can still remember how those times made me feel. And yes, you can follow up w/ the corp. office as I did but that doesn't take the sting away from it having happened. People have all kinds of axes to grind and I am just suggesting trying to eliminate the enforcement of someones personal prejudice. And what is the criteria to ask for id selectively if the card is signed and the person APPEARS to be the right sex of the name? That you might look like someone suspicious? Sounds pretty subjective to me... |
|
Gosh, Mandy, I just cannot BELIEVE that you think that discretion should be removed from everything. How could you stake out a position like that? I'm quitting Creditnet. Goodbye..
Doc. P.S. LOL... |
|
What about this; I am at staples and they swipe.
My card through the register have me sign it, &. Then pull out one of those ancient card imprinters. & have me sign that too! I sais to the girl, what's. Up with this? She says any sale over $400.00. Is required to have both types of receipts.. I said, what if I get billed twice? Says oh no, it's. For your protection!. What protection? I didn't have time to get in to it,. And needed what I bought, so I just left, but it still. Leaves me wondering.. I think technically I would be responsible for. Paying for it twice, according to Visa rules... |
|
That happened to me too at Bath and Body works... my card wouldnt swipe so she pulls out a 1948 credit card device....
<begin 20something chat>. Im like UHM no... shes like UHM yes.. I'm like ok then every single thing from the receipt needs to be copied over.. shes like well you dont get a copy of this.. I'm like I been shopping here since 1994... you wanna lose a customer? shes like ok you can have a copy... <end 20something chat>.. |
|
AT WAL*MART if we "KEY IN A CARD" we have to have get a crayon or rub with a pen on it's side to get an imprint (on the receipt~it is automatically made extra long) of the card with the name, account number, and expire date so somebody can't come back later and say they were never in the store...BUT NOT A SECOND CREDIT CARD RECEIPT..
AAA used to do that not too long ago...for membership...and it was under $100 on top of the credit card authorizing machine receipt!!!.. |
|
The Home Depot stores in my area have begun to ask for ID for PIN-based DEBIT card transactions...
|
|
I don't really know what my ID is going to tell them my PIN isn't written anywhere on it..
I was thinking the last time I was in Home Depot that I was going to go down to the Strip and buy one of those novelty "Elvis" driver licenses to whip out when one of these places asks me for my ID.. They never look at it. And those that do only look at the front and the front of my license clearly indicates that it's expired. To see if it's really valid you have to turn it over and look at the extension sticker. No one has ever done this... |
|
If I had a PIN# card, I WOULD BE ON THE PHONE TO MY BANK BEFORE THEY CLOSED!!!.
ID ON A CREDIT CARD IS A GREY AREA...BUT A DEBIT WITH A PIN#???. THAT'S JUST WRONG!!!. Before my bank tried to charge me $12.00 for a NON VISA ATM card...IT HAD NO SIGNATURE STRIP AND NO NAME ON THE FRONT WITH THE CARD NUMBER...what would they compare???.. |
|
Maybe that's why some places have a policy of asking everybody. That way, no one feels targeted when they're asked..
-ingenue.. |
|
I got a panhandler to show me where an ATM was while I was stopping in Cleveland on a bus trip. Stupid move - I left my bank card in the ATM because I was in such a hurry to go to a shop and buy a coffee so I could tip the panhandler..
Mother%#@%*% went to the ATM and pressed "I want another transaction" and took $200 out of my account. There wasn't even any money in the account, I had taken out the last of it!. It went on my overdraft protection.. I got my money back after filing a fraud charge, but there's defitely plenty of theft going on for under $500.. That panhandling jerk even had the nerve to come up to me after he had stolen my money and get a tip from me on top of it!. Live and learn.. -ingenue.. |
|
I'm laughing...Thanks for adding some humor to this thread!..
|
|
I live in Southern Calif. & I almost always get asked for I.D. I gave up reporting it to M/C or Visa. I would complain, they say they will contact the store and remind them of the policy, I go to the store a few weeks later and once again I get asked..
The worst one is Walmart. I got quite upset once when a cashier not only asked for ID but held it up to the light and inspected my card and ID for a good minute. Mind you it was Christmas time and the lines were long and it was humiliating. That was my first time reporting it. I've reported them twice now and they continute to do it. I have reminded them of M/C or Visa's policy and have always been told it is the STORE POLICY or WALMART POLICY which over rides VISA or M/C.. Once at Target I had left my ID on my car seat by accident and they asked for ID. I tried to get out of it by telling them that the cards policy says they can't check ID. She told me "No ID, no sale" so I walked out never to return.. The funny thing is I can write CHECKS all over town and am never asked for ID because I'm already in the stores "system". Stores assume a much larger risk for checks then credit cards but for those, they ask ID... |
|
WAL*MART POLICY MAY VARY STORE TO STORE...but the company wide SUGGESTION is only ask when it asks for ID or on UNSIGNED cards...or if it you have a feeling LIKE THINGS DON'T LOOK RIGHT...OR THE NAME ON THE CARD IS MARY AND IT IS A GUY....
Cashier's discretion..... |
