Foot Locker asked for my ID

[iCarl]

I went to Foot Locker to buy some new shoes.

Now, keep in mind, I ALWAYS buy my shoes at this location and ALWAYS use the same card to pay.

Today, I was asked for ID.

(Three customers in front of me were NOT asked for ID. All looked "unprofessional," for lack of a better term. I, on the other hand, was in business casual attire... NOTE: I am not saying I am "better" than anyone else, because I am not. I'm saying that appearance can tell a lot... Most of the people with bounced checks/stolen cards/counterfeit bills that come into my store are not dressed well... [but then again, some of them are...])

I told the salamander (yes, he was an salamander... He couldn't figure out how to apply my VIP coupons or scan my VIP club card... and he couldn't figure out how to even run my card...) that I would not be showing my ID and that it was most likely against the Visa merchant agreement to ask for ID.

I told him, "no minimums, no maximums, no ID on signed cards, and 'see ID' basically voids the card."

He told me it was corporate policy...

I told him that it was BS, that I saw him take other cards without ID, and that I had been shopping there for YEARS without showing ID.

I showed him the signature on my receipt, showed him the signature on the card, told them that they matched, told them that the receipt said "approved" and that the money was already held on my card (I was on the mobile banking website on my phone at this point) and that I was taking my shoes and leaving since I paid for them.

 

I then called the VISA-911 number.

[GEORGE]

I went to Foot Locker to buy some new shoes.

Now, keep in mind, I ALWAYS buy my shoes at this location and ALWAYS use the same card to pay.

Today, I was asked for ID.

(Three customers in front of me were NOT asked for ID. All looked "unprofessional," for lack of a better term. I, on the other hand, was in business casual attire... NOTE: I am not saying I am "better" than anyone else, because I am not. I'm saying that appearance can tell a lot... Most of the people with bounced checks/stolen cards/counterfeit bills that come into my store are not dressed well... [but then again, some of them are...])

I told the salamander (yes, he was an salamander... He couldn't figure out how to apply my VIP coupons or scan my VIP club card... and he couldn't figure out how to even run my card...) that I would not be showing my ID and that it

was most likely against the Visa merchant agreement to ask for ID.

I told him, "no minimums, no maximums, no ID on signed cards, and 'see ID' basically voids the card."

He told me it was corporate policy...

I told him that it was BS, that I saw him take other cards without ID, and that I had been shopping there for YEARS without showing ID.

I showed him the signature on my receipt, showed him the signature on the card, told them that they matched, told them that the receipt said "approved" and that the money was already held on my card (I was on the mobile banking website on my phone at this point) and that I was taking my shoes and leaving since I paid for them.

 

I then called the VISA-911 number.

Not most likely...IT IS A FACT...NOT FICTION

Edited November 24, 2009 by GEORGE

[whar8]

Yep. I have had problems with Foot Locker in New York City. I reported like crazy and natually my card issuer was of no help. I don't shop there anymore. City Sports opened a nice location and new store and it is soooo much more pleasant in there. Too bad seems there was no corporate wide follow-up. I know I did email their customer service seperatley and they seemed to know what to do.

[MB82x]

What's the big deal? This is for your protection if nothing else.

 

If someone went into a store and used your (stolen) credit card to buy shoes, I'm sure you'd be angry.

 

If anything, I don't think retailers do enough to prevent credit card fraud.

 

At work, I personally instiuted a store policy that customers MUST present ID when using credit for purchases of gift cards, prepaid money cards (green dot, etc) and "suspicious purchases" (buying high ticket items like tooth whitening strips, expensive razor cartridges, skin creams, etc in bulk - these items have resale value to smaller stores).

Edited November 25, 2009 by MB82x

[GEORGE]

What's the big deal? This is for your protection if nothing else.

 

If someone went into a store and used your (stolen) credit card to buy shoes, I'm sure you'd be angry.

 

If anything, I don't think retailers do enough to prevent credit card fraud.

 

At work, I personally instiuted a store policy that customers MUST present ID when using credit for purchases of gift cards, prepaid money cards (green dot, etc) and "suspicious purchases" (buying high ticket items like tooth whitening strips, expensive razor cartridges, skin creams, etc in bulk - these items have resale value to smaller stores).

 

FOR MY PROTECTION I DON'T SHOW ID

 

I see you didn't read the credit card policy and encourage VIOLATING THE POLICY THAT WAS AGREED TO IN WRITING

Edited November 25, 2009 by GEORGE

[GEORGE]

STORE POLICY DOESN'T TRUMP CREDIT CARD POLICY

[MB82x]

I honestly don't care about their policy.

 

I've seen several people get screwed out of hundreds of dollars because cashiers sold $500 Visa Gift Cards to people who come in with 5 new credit cards each time. No one has complained about the store policy on ID verification for these transactions... if anything they're angry over the company policy to check ID for cough syrup, and the federal policy to check ID for psuedophedrine products.

 

Also, we obviously don't copy down any information from customers IDs. The store policy is to make sure the name on the ID matches the name on the card, and the face on the ID matches the face of the person issuing the credit card.

Edited November 25, 2009 by MB82x

[GEORGE]

I honestly don't care about their policy.

 

I've seen several people get screwed out of hundreds of dollars because cashiers sold $500 Visa Gift Cards to people who come in with 5 new credit cards each time. No one has complained about the store policy on ID verification for these transactions... if anything they're angry over the company policy to check ID for cough syrup, and the federal policy to check ID for psuedophedrine products.

 

Also, we obviously don't copy down any information from customers IDs. The store policy is to make sure the name on the ID matches the name on the card, and the face on the ID matches the face of the person issuing the credit card.

MY LICENSE TO DRIVE A CAR/TRUCK (not a credit card use permit) WAS SIGNED MORE THAN 15 YEARS AGO

[centex]

MB, you just have to realize that common sense just does not run abundant in some people around here...

 

Much of the fraud in my case could have been prevented had people asked for ID...but apparently that tidbit (plus the fact that I found out that zero liability is a big steaming crock pile o'crap) are seemingly overlooked by the frothy ones.

[MB82x]

MY LICENSE TO DRIVE A CAR/TRUCK (not a credit card use permit) WAS SIGNED MORE THAN 15 YEARS AGO

 

Yes, but since it has your picture and your name on it, it's a great way to prove that it's GEORGE buying that new Plasma TV and not LOUIE who lifted the credit card out of your wallet on the escalator.

 

If you're implying that two nearly identical signatures qualifies as valid ID, then you must not realize how easy most signatures are to forge. Even if it vaugly resembles the signature on the back of the card, what cashier is going to say "close, but not quite"?

 

I guess it really is just a matter of common sense that we won't agree on.

[GEORGE]

When should you ask a cardholder for an official government ID? Although Visa

rules do not preclude merchants from asking for cardholder ID, merchants

cannot make an ID a condition of acceptance. Therefore, merchants cannot

refuse to complete a purchase transaction because a cardholder refuses to

provide ID. Visa believes merchants should not ask for ID as part of their

regular card acceptance procedures. Laws in several states also make it illegal

for merchants to write a cardholder’s personal information, such as an address or

phone number, on a sales receipt.

 

PAGE 29 of 141 pdf

 

http://usa.visa.com/download/merchants/rul...a_merchants.pdf

Edited November 25, 2009 by GEORGE

[MB82x]

Nevertheless, I'm going to do whatever I want.

 

Dumb rule, I didn't sign anything, not gonna follow it.

 

Edit: I never copy down customer information, unless it's a refund w/out reciept.

Edited November 25, 2009 by MB82x

[GEORGE]

...they may even have access to

counterfeit identification with a signature in their own handwriting.

 

Direct from VISA USA credit card policy

[GEORGE]

Nevertheless, I'm going to do whatever I want.

 

Dumb rule, I didn't sign anything, not gonna follow it.

 

Edit: I never copy down customer information, unless it's a refund w/out reciept.

[Uncle Leo]

What's the big deal? This is for your protection if nothing else.

It's not for the customer's protection, it's for the merchant's protection.

 

 

...the frothy ones.

Nice.

 

 

Nevertheless, I'm going to do whatever I want.

 

Dumb rule, I didn't sign anything, not gonna follow it.

You may not have signed anything, but your employer did, and you run the risk of getting them in trouble. If you're so hip on protecting people, you might want to include the hand that signs your paycheck.

[GEORGE]

I'm glad I helped with HEADS ROLLING at the SUBWAY that was in violation

 

EMPLOYEES WERE ACTUALLY ELIMINATED

 

Must have been the straw that broke the camels back (final violation before VISA took major action)

 

Edited November 25, 2009 by GEORGE

[GEORGE]

YOU FEEL EXTRA PROTECTION BY SHOWING ID...GO FOR IT

[Uncle Leo]

I'm glad I helped with HEADS ROLLING at the SUBWAY that was in violation

 

EMPLOYEES WERE ACTUALLY ELIMINATED

 

Must have been the straw that broke the camels back (final violation before VISA took major action)

 

You're glad you got people fired over ID checking?

[GEORGE]

Had they even looked at the back of my signed credit card card as I told them to do...THEY WOULD HAVE NEVER HAD ANY PROBLEMS

 

They would have made the sale...instead of trashing the sandwich...dumping the drink down the drain...and would have saved their jobs

 

I gave them the chance to follow the rules and THEY REFUSED...they pulled that store policy out of their BUTT

 

...and it bit them big time

Edited November 25, 2009 by GEORGE

[MB82x]

I agree checking ID for buying a sandwich is stupid.

 

But come on, if someone comes in and wants to buy $500 - $2000 in "unidentifiyable plastic cash" with a credit card, that's very, very likely to be fraud.

 

Credit card thieves know they have very little time to access the card before the owner realizes it's missing and reports it stolen. Why waste time shopping at the mall and give the victim time to realize the card is missing? Thieves cash the cards in for gift cards as fast as possible, then spend them later.

[GEORGE]

Individual store policy that goes against CREDIT CARD POLICY is rarely a stated company-wide policy

[GEORGE]

I agree checking ID for buying a sandwich is stupid.

 

But come on, if someone comes in and wants to buy $500 - $2000 in "unidentifiyable plastic cash" with a credit card, that's very, very likely to be fraud.

 

Credit card thieves know they have very little time to access the card before the owner realizes it's missing and reports it stolen. Why waste time shopping at the mall and give the victim time to realize the card is missing? Thieves cash the cards in for gift cards as fast as possible, then spend them later.

So I was committing FRAUD when I bought $1,500 on a WALMART GIFT CARD with AMEX DELTA

 

(not recently since I no longer have the card since I was AMEXED)

Edited November 25, 2009 by GEORGE

[MB82x]

Stores don't train their employees to NOT check IDs. They train their employees to watch for theft and fraud.

 

Things I train my employees to watch out for with credit card fraud:

 

1: Quick cash-ins. If the cardholder is buying high priced gift cards ($100 and up...), especially in multiples.

 

2: Refund Fodder: Customer is buying a high priced item ($50 and up...), customer may want to return it for cash... sometimes customers make small talk or even jokes so that you make the connection and remember "this guy bought a $150 electric toothbrush". The customer returns shortly after and wants a refund but "lost the reciept". Obviously, the cashier remembers the customer and knows the customer did indeed buy the product. The customer knows without the reciept, we cannot refund it to the credit card, and would have to issue cash or a store credit.

 

Customers also do this in order to get double refunds. A customer might come in, buy $150 in vitamins, make small talk and then come back for a refund without the reciept. "You remember me, right? I just bought these from you. Well, my mother's doctorsaid she can't take these..." They return a few hours later (next shift) with the reciept, steal the items from the shelf, then return them.

 

3: Resale Products: Bulk purchase of items like razors, salon products, condoms, whitening strips and batteries (for some examples). These products can be sold to small mom and pop convenience stores for a decent amount.

[GEORGE]

NO RECEIPT = STORE CREDIT (GIFT CARD)

[GEORGE]

You don't have to tell me about RETURN FRAUD...I know all about it