Stores not checking IDs for credit purchases.

MAJ Badmotherfarker

MAJ Badmotherfarker

is drinking a beer.
Oct 11, 2008
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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

limegrass69

Confused
Oct 12, 2008
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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

Chrissyb

Active Member
Oct 14, 2008
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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 or was the money directly withdrawn from your account?
 
X

xan_user

Banned
Dec 16, 2008
3,234
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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

ProperModulation

Green Type of Tube
Oct 11, 2008
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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

memebag

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Oct 11, 2008
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ProperModulation said:
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!
Click to expand...

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

jamesp717

Member
Oct 13, 2008
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Hey Now

sgip2000 said:
Checking ID is actually a violation of the "Merchant Agreement" the store has with Visa, MasterCard, Discover, and American Express.
Click to expand...

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 ?
 
S

sgip2000

Member
Oct 16, 2008
104
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Hillsboro, OR
jamesp717 said:
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 ?
Click to expand...

I have gotten a lot of use out of MasterCard's Merchant Violation form.
 
goreds2

goreds2

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Oct 14, 2008
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CPT. Badmotherfarker said:
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.
Click to expand...


I read this recently:

Do not sign the back of your credit cards.

Instead, put "PHOTO ID REQUIRED".
 
MAJ Badmotherfarker

MAJ Badmotherfarker

is drinking a beer.
Oct 11, 2008
8,461
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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

semipenguin

Cheeseburger Connoisseur
Oct 11, 2008
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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:
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limegrass69

limegrass69

Confused
Oct 12, 2008
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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

HecticArt

Administrator
Oct 19, 2008
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goreds2 said:
I read this recently:

Do not sign the back of your credit cards.

Instead, put "PHOTO ID REQUIRED".
Click to expand...

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.
 
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sgip2000

Member
Oct 16, 2008
104
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Hillsboro, OR
HecticArt said:
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.
Click to expand...

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

HecticArt

Administrator
Oct 19, 2008
49,114
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sgip2000 said:
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.
Click to expand...

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