 REPORTING MERCHANT VIOLATIONS, Mailing addresses, phone numbers, online reporting, and some useful li |
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 Jun 23 2007, 09:25 PM
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#1
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Group: Members
Posts: 5,113 Joined: 30-June 05 Member No.: 19,048  |
Visa
Phone Number: 1-800-VISA-911 (International: 1-410-581-9994) and you can also call the number on the back of your card Mailing Address: Visa U.S.A. Inc. P.O. Box 194607 San Francisco, California 94119-4607 Online: Your card issuer's website may let you send them complaints about merchant violations and start a dispute if your were charged a fee to use your card. MasterCard Phone Number: 1-800-MASTERCARD (International: 1-636-722-7111) and you can also call the number on the back of your card. Online: http://www.mastercard.com/us/personal/en/c...violations.html (Also you may be able to dispute a charge online if you were charged a fee.) American Express Phone Number: 1-800-528-4800 (International: 1-336-393-1111) Mailing Address: American Express P.O. Box 297812 Ft. Lauderdale, FL 33329-7812 Online: Login to your account at www.americanexpress.com and then click e-mail on the right side. You can also dispute a charge online if you were charged a fee to use your card. Other Useful Links Rules for Visa Merchants: http://usa.visa.com/download/merchants/rul...a_merchants.pdf MasterCard Merchant Rules: http://www.mastercard.com/us/merchant/how_...hant_rules.html MSNBC Article About No Minimums Allowed: http://www.msnbc.msn.com/id/11697094/ California Civil Code Prohibiting Surcharges for Credit Card Use: http://law.onecle.com/california/civil/1748.1.html Merchant Credit Card Abuses: http://www.gofso.com/Premium/LE/06_le_ic/f...-merchants.html Google Answers on State Laws Regarding Surcharges: http://answers.google.com/answers/threadview?id=723060  The rules:
No minimums -- No maximums -- No surcharges/fees -- No ID required for a signed card |
  
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| Googie |
Jun 23 2007, 09:25 PM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Jun 24 2007, 09:15 PM
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#2
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Automotive Forum Lead
 Group: Mod Squad
Posts: 37,197 Joined: 11-November 03 From: Sleeping in the Sun! Member No.: 2,377 |
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Jul 1 2007, 01:39 AM
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#3
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Group: Members
Posts: 329 Joined: 24-November 06 Member No.: 41,134 |
I called VISA and they sent me a form letter (full page of text) and basically told me to report any violation to the bank that issued the card.
It's like they are making it hard to process a complaint. Don't know how to post a jpg (if it is allowed) - but I'd be glad to send a copy to a moderator or whatever. Just give me an address to send it to. 
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Jul 1 2007, 08:12 AM
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#4
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Group: Members
Posts: 2,056 Joined: 1-July 05 Member No.: 19,089 |
QUOTE(realpix @ Jul 1 2007, 02:39 AM)  I called VISA and they sent me a form letter (full page of text) and basically told me to report any violation to the bank that issued the card. It's like they are making it hard to process a complaint. Don't know how to post a jpg (if it is allowed) - but I'd be glad to send a copy to a moderator or whatever. Just give me an address to send it to. Here is what you need to do, Just snail mail Visa. Just ignore the form they sent you. You are not talking to anyone in the U.S. when you call them. This post has been edited by webworm98: Jul 1 2007, 08:13 AM Debit card tips.
Have two accounts preferably at a different banks both with debit cards. Have one that is used only for web, mail, fax and phone transactions. Have another checking that used for in person purchases and atms. Do not use it at pay at pump, pay inside. When using a pin cover the entry so people and camera do not see what you put in. Lower your daily authorization limit to $1,000 Check your checking account(s) online at least every two business days. Only write one or two checks that have debit cards attached to the checking account. Find a bank that has instant capture, so you can see preauthorizations online. Blog at http://creditcardanddebitcardinfo.blogspot.com/ (No adwords) |
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Jul 1 2007, 12:40 PM
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#5
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Group: Members
Posts: 3,190 Joined: 19-November 03 From: TX Member No.: 2,451 |
If Visa doesn't even care, why should we
 My pugs |
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Jul 1 2007, 01:15 PM
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#6
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Group: Members
Posts: 490 Joined: 3-October 06 From: Intermountain West Member No.: 39,036 |
My Visa card issuing bank told me to call Visa to make the complaint. They even gave me the phone number. I've made multiple complaints to Visa and have received those form letters. I will continue to call Visa to make future complaints. I used to simply report every merchant, though I also strongly suggest complaining to the merchant's corporate office prior to filing these complaints. The majority will correct things. Some won't. That is where Visa and / or Mastercard can be brought in.
...is back!
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Jul 2 2007, 10:26 PM
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#7
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Automotive Forum Lead
Group: Mod Squad
Posts: 37,197 Joined: 11-November 03 From: Sleeping in the Sun! Member No.: 2,377 |
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Jul 7 2007, 12:24 AM
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#8
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Group: Members
Posts: 194 Joined: 22-May 07 Member No.: 50,227 |
Is there a link for the AMEX Merchant Terms? I cannot find one through the site - is it a violation for AMEX merchants to request ID as a condition of sale?
4/7/09: EQ: 695, TU: 721
3/25/08: 711, 707, 698 Husband's Scores: (worked pretty hard on this!) 5/6/09: EQ: 676, TU: 685 4/2008: EQ: 677 3/25/08: 675, 676, EQ 666 lots of stuff in between.... 10/02/07: EQ 580 |
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Jul 13 2007, 08:06 PM
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#9
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Automotive Forum Lead
Group: Mod Squad
Posts: 37,197 Joined: 11-November 03 From: Sleeping in the Sun! Member No.: 2,377 |
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Jul 23 2007, 02:05 AM
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#10
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Group: Newbies
Posts: 5 Joined: 23-July 07 Member No.: 54,983 |
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Jul 23 2007, 08:28 AM
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#11
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Group: Members
Posts: 73,000 Joined: 28-January 04 From: Trying to run away from the school yard bullies Member No.: 3,438 |
QUOTE(soldiergurl74 @ Jul 1 2007, 11:40 AM) If Visa doesn't even care, why should we IT WAS THEIR IDEA IN THE FIRST PLACE... That is right they don't care  Oy Vey This post has been edited by GEORGE: Jul 23 2007, 08:30 AM CB's WHIPPING BOY
WHAT REWARDS DO YOU GET FROM THIS CASH STUFF??? "AVAILABLE" is not debt That credit card fee is TAX DEDUCTABLE (don't MICRO-MANAGE the fee at the expense of paying business) GOT YOUR 4506-T READY YET??? MEMBERSHIP HAS IT'S REWARDS HAVE YOU BEEN AMEXED??? My ID is the signature on the back of my credit card--AND IT DOES NOT SAY C.I.D. I have a license to drive a car/truck...it is not a permit to use my signed credit card DOES KNOWING YOUR SCORE HELP YOU PAY YOUR BILLS??? Don't forget the DOWN-SIDE to using DEBIT CARDS (unintended consequences) Disputing ACCURATE ADDRESSES can have side effects (LOSS OF POSITIVE ACCOUNTS) OBAMA-CARE WILL COST HOW MANY $1,000,000,000,000's why can't I opt-out |
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Jul 24 2007, 08:39 PM
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#12
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Group: Members
Posts: 245 Joined: 14-November 05 From: Rockland County, NY Member No.: 24,149 |
I think this info is sticky material...
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Aug 5 2007, 08:45 PM
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#13
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Automotive Forum Lead
Group: Mod Squad
Posts: 37,197 Joined: 11-November 03 From: Sleeping in the Sun! Member No.: 2,377 |
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Aug 6 2007, 09:44 PM
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#14
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Goddess of the Jacksonville Tourism Bureau
Group: Members
Posts: 4,492 Joined: 27-September 03 From: Movin' up to Arlington! Member No.: 1,994 |
I call Visa directly. I get letters similar to the one below and if I go back to the reported merchant, the nonsense has stopped. Quite often calling the corporate offices of a local store will get results too, as corporate usually has no idea of what the locals are doing.
 I know they are on ebay, but I don't shop there. Please help a desperate chick out. |
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Sep 1 2007, 01:28 AM
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#15
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Group: Members
Posts: 1,245 Joined: 2-October 06 Member No.: 38,951 |
CREDIT CARD SIGNATURE IS ALL THE ID NEEDED
When you pay for merchandise with a Visa card, MasterCard, or American Express any store that accepts these cards should accept yours too, no questions asked. It's part of the deal that merchants agree to when they become participating members. They must check your signature and the card - electronically or by telephone - to be sure it's valid. Once the answer comes up yes, they can go ahead and charge. They can't ask you for any further identification - not a license plate number, Social Security number, proof of address, phone number or picture ID. Your personal ID isn't needed because Visa, MasterCard, and American Express all guarantee payment on cards that have been properly checked. If the issuer mistakenly authorizes a sale on a bad card, it should make good. MasterCard says that merchants receive instant settlement. Unfortunately, not all merchants play by the rules. Some, apparently, haven't read them. WHAT YOU CAN DO MasterCard wants to hear about merchants who break their rules. Send the name and address and an account of what happened to MasterCard International, c/o Radio City Station, P. O. Box 1288, New York, NY 10101. The merchant's bank will get a stiff letter, ordering it to investigate and bring the offending store into line - or pay a $2,000 fine. Visa enforces the same rules as MasterCard. "When we hear about a violation, we ask the bank that signed the merchant to get together with the merchant and see that the practice is stopped," Visa representative states. To report a merchant, send a letter to the bank that issued your Visa card. American Express also prohibits merchants from asking for IDs. "All a merchant is supposed to do is take an imprint, make sure the signature matches and swipe the card through the terminal, to get authorization." |
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Nov 1 2007, 05:31 AM
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#16
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Group: Members
Posts: 1,245 Joined: 2-October 06 Member No.: 38,951 |
QUOTE(orangecrush @ Aug 6 2007, 09:44 PM) I call Visa directly. I get letters similar to the one below and if I go back to the reported merchant, the nonsense has stopped. Quite often calling the corporate offices of a local store will get results too, as corporate usually has no idea of what the locals are doing. Thank you so much for taking the time to make a difference.  Never show ID for signed credit cards purchases. No ID required for signed credit card purchases. Merchants cannot require ID. If a merchant tries to require ID, immediately call 1-800-VISA-911 to ensure they never do again. VISA: 1-800-VISA-911 MasterCard: 1-800-300-3069 Also easily report merchant violations online at: http://www.mastercard.com/us/personal/en/c...violations.html Check the box that says "Merchant required ID" Never show ID for signed credit card purchases ever. No ID required for signed credit card purchases ever. |
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Nov 3 2007, 01:02 AM
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#17
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Group: Members
Posts: 31 Joined: 28-October 07 Member No.: 61,306 |
Yea, 800-visa-911 always sends me those letters, I'm not sure if visa actually contacts the acquirer or not. Visa always tells you in the future to contact the issuing bank, and the issuing bank always tells you to contact Visa, it's always the run around when you try to report Visa violations. That's why I always ask the merchant, well if I use my MasterCard do I have to show ID? To which they always reply, "Yes ID is required on all credit card purchases." Then I just go to mastercard's website and report the violation to them, it gets taken care of quicker.
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Nov 3 2007, 06:20 PM
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#18
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 Group: Bloggers
Posts: 8,155 Joined: 19-March 05 From: Somewhere over there ---> Member No.: 14,679 |
QUOTE(Lucky225 @ Nov 3 2007, 01:02 AM) Yea, 800-visa-911 always sends me those letters, I'm not sure if visa actually contacts the acquirer or not. Visa always tells you in the future to contact the issuing bank, and the issuing bank always tells you to contact Visa, it's always the run around when you try to report Visa violations. That's why I always ask the merchant, well if I use my MasterCard do I have to show ID? To which they always reply, "Yes ID is required on all credit card purchases." Then I just go to mastercard's website and report the violation to them, it gets taken care of quicker. Remind VISA that it's their policy, not the bank's policy.  |
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Nov 17 2007, 04:40 AM
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#19
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Group: Members
Posts: 1,245 Joined: 2-October 06 Member No.: 38,951 |
QUOTE(orangecrush @ Aug 6 2007, 09:44 PM) I call Visa directly. I get letters similar to the one below and if I go back to the reported merchant, the nonsense has stopped. One call does it all. Every report helps everyone. |
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Dec 3 2007, 04:18 AM
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#20
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Group: Members
Posts: 1,245 Joined: 2-October 06 Member No.: 38,951 |
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Dec 3 2007, 10:24 AM
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#21
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Group: Members
Posts: 5,113 Joined: 30-June 05 Member No.: 19,048 |
Sticky?
The rules:
No minimums -- No maximums -- No surcharges/fees -- No ID required for a signed card |
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Dec 5 2007, 09:37 PM
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#22
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Automotive Forum Lead
Group: Mod Squad
Posts: 37,197 Joined: 11-November 03 From: Sleeping in the Sun! Member No.: 2,377 |
under consideration.
TY |
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Dec 15 2007, 05:34 AM
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#23
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Group: Members
Posts: 1,245 Joined: 2-October 06 Member No.: 38,951 |
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Dec 24 2007, 05:51 AM
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#24
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Group: Members
Posts: 1,245 Joined: 2-October 06 Member No.: 38,951 |
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Dec 29 2007, 11:48 PM
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#25
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Group: Members
Posts: 174 Joined: 18-May 05 From: At World's End Member No.: 17,265 |
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