Stores not checking IDs for credit purchases.

MAJ Badmotherfarker

is drinking a beer.
Oct 11, 2008
8,461
211
63
Washington D.C.
F*&Cking stores. Apparently I dropped my debit card during the process of moving and they charged $1500 in purchases (two $500 charges from Target) without ANYBODY asking for ID. Frickin annoying. Lazy ass check out reps need to start doing their jobs.
 

limegrass69

Confused
Oct 12, 2008
6,079
245
63
New York
That sucks. Hopefully they cleared it up for you.

By the way, Target video tapes EVERYTHING that goes on near a cash register. They could get a visual of what went down. But something tells me that Target is not interested in that.
 

Chrissyb

Active Member
Oct 14, 2008
731
40
28
Massachusetts
I have been asked to produce ID only when I haven't signed the back of the card.


I'm so sorry this happened BMF .. will your card company write if off has fraud.. or was the money directly withdrawn from your account?
 

xan_user

Banned
Dec 16, 2008
3,234
74
48
Nor-Cal
I just bought a laptop at BB, did not even look at the back of card or ask for any ID. Thx BMF!:p


-really tho, what a bummer man, i had that happen a few years back. (it was stolen from a gas pump swipe- i still had my card!) took a month of faxing paperwork back and forth from bank to police- but it got sorted out eventually.
 

ProperModulation

Green Type of Tube
Oct 11, 2008
2,612
90
48
California
And why can some stores just swipe the card without having you sign the receipt? I've noticed that as some fast food places. So not only do they not check ID, they don't even make you sign the receipt!
 

memebag

Top Brass, ADVP
Oct 11, 2008
17,407
5,814
168
Lake Huntzing
And why can some stores just swipe the card without having you sign the receipt? I've noticed that as some fast food places. So not only do they not check ID, they don't even make you sign the receipt!

They have a dollar limit on signatures. Anything under $10 or $25 or something, no signature.

That's for credit cards, which have bitchin' consumer protections. Debit cards, when used as debit cards, not so much.

I had an American Express number stolen once. I just called American Express and they took the charges off my bill. No muss, no fuss.
 

jamesp717

Member
Oct 13, 2008
540
21
18
Hey Now

Checking ID is actually a violation of the "Merchant Agreement" the store has with Visa, MasterCard, Discover, and American Express.

Yup, I have walked out of stores when they ask me to produce ID for a credit card purchase. They like to give that BS line about how its for your safety, yeah right. Whats next asking for ID with a cash purchase ?
 

sgip2000

Member
Oct 16, 2008
104
3
18
Hillsboro, OR
Yup, I have walked out of stores when they ask me to produce ID for a credit card purchase. They like to give that BS line about how its for your safety, yeah right. Whats next asking for ID with a cash purchase ?

I have gotten a lot of use out of MasterCard's Merchant Violation form.
 

goreds2

Well-Known Member
Oct 14, 2008
5,906
767
113
OH H.....EYE OH
F*&Cking stores. Apparently I dropped my debit card during the process of moving and they charged $1500 in purchases (two $500 charges from Target) without ANYBODY asking for ID. Frickin annoying. Lazy ass check out reps need to start doing their jobs.


I read this recently:

Do not sign the back of your credit cards.

Instead, put "PHOTO ID REQUIRED".
 

MAJ Badmotherfarker

is drinking a beer.
Oct 11, 2008
8,461
211
63
Washington D.C.
Sad thing is that police have no interest in following up on things like this, so people keep getting away with it. It would be one thing if it were $20, but we're talking $1500 here.
 

semipenguin

Cheeseburger Connoisseur
Oct 11, 2008
24,890
9,023
168
51
Janesville, MN
I refuse to buy anything at a store were you have to show ID to use the debit option on a debit card. An ATM doesn't ask me for ID, why should a clerk? :right:
Posted via Mobile Device
 
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limegrass69

Confused
Oct 12, 2008
6,079
245
63
New York
It's almost like a stolen car. The police have no interest in following up on a crime like that. They take a report because they have to, and let the insurance company take it from there. They see it as a "victimless" crime.
 

HecticArt

Administrator
Oct 19, 2008
42,952
13,635
168
Toledo, Ohio
I read this recently:

Do not sign the back of your credit cards.

Instead, put "PHOTO ID REQUIRED".

That can help.
I have friends that do it. I keep telling myself I'm going to write "CHECK ID" instead of sign. One of these times. Hopefully before I get ripped off.
 

sgip2000

Member
Oct 16, 2008
104
3
18
Hillsboro, OR
That can help.
I have friends that do it. I keep telling myself I'm going to write "CHECK ID" instead of sign. One of these times. Hopefully before I get ripped off.

The problem with this is that practace is not allowed in the "cardholder agreement" between you and your bank. The merchant does NOT have to accept a card that is not signed with a real signature. You also lose any fraud protection.
 
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HecticArt

Administrator
Oct 19, 2008
42,952
13,635
168
Toledo, Ohio
The problem with this is that practace is not allowed in the "cardholder agreement" between you and your bank. The merchant does NOT have to accept a card that is not signed with a real signature. You also lose any fraud protection.

Also interesting. I'll have to dig mine out to see what it says.