Re: ID Request is Probably Here to Stay 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.
Re: ID Request is Probably Here to Stay 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.
Re: ID Request is Probably Here to Stay "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. It was so embarrassing. 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.
Re: ID Request is Probably Here to Stay 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. Looked at me, the card, the sales receipt. 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 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. But asking for ID for a CC purchase is just plain common sense. 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.
Intent is Everything . . . 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 clerk didn't even right down the DL# correct. 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.
