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How many retailers actually ask for ID?


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#51 lilc4247

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Posted 09 September 2010 - 09:52 PM

A few local places do, as well as the local Sears and Home Depot.

A week or so ago, I was in an asshole mood and a cashier at Sears decided to ask for ID. I politely explained that it's against their merchant card services agreement to do so, but they can verify my signature on the back of the card. She declined, and said she needed to see ID or she would decline the transaction.

That's when I said: "Call your manager, then." She said the only person in-store was the store manager. I said: "Perfect."

Anyway, he came up and asked the issue. She explained it, and finished with, "I don't know why he won't show me his ID. Kinda sketchy." To which I repeated, "Because it's against your merchant card services agreement with MasterCard."

Store manager: "No it's not. I'd know - I've worked here for 12 years. It's my job to know. Do I come to work and argue with what you're a specialist in, sir?"

Me: "Obviously not - otherwise you'd know I'm a Personal and Business Banker with a major commercial bank, and one of my specialities is Merchant Payment Processing Services."

He looked throughly defeated, and all he said after that to the cashier was: "Complete the transaction."

Needless to say, I reported them to MasterCard for asking for ID, mostly because of the attitude they took. I may have been dressed as my casual college-self at the time, but don't assume I'm using a stolen card or something simply because I don't want to show ID. And to store managers, of course, don't argue with customers. 1, it'll cause a retailer to lose business, and 2, they might just happen to know more than you. :ph34r:


Doesn't seem like just a mood, you seem pretty proud of yourself. Not sure why.

What is the big deal with showing your ID? Please don't tell me it violates the merchant agreement. I understand that technically, you were correct. To me, looks like you were just picking a fight with perfect strangers just because you could.


I cannot stand ANYONE who argues something they do not know about, and I will take on any fight when I know 100% they are wrong and 100% I am right. And strangers or best friends - if you are wrong, I will correct you and if you fight... I will go on the offensive and crush your argument.

Speaking of people's arguments, I love crushing them, and will do so at every chance possible, barring my workplace, where I have to play nice. :wub:

In short: I'm an ass, an proud of it.

As for showing IDs... I never had an issue with it, however, I've come to the realization that it is NOT required and they are NOT allowed to ask for it. Rules are rules - and I am a stickler for them. Things are not put into a contract just for the hell of it. Perhaps it is because I work at a bank where, if it's a rule, you do not disregard it - I've always been a follower of the rule, and I expect others to do the same. Again, it's not a rule/agreement/whatever just for the hell of it.


What a TOTAL D***! :lol:


I'm not sure who you're referring to (myself or the manager from my earlier post), however, if it is me - I can call myself an ass, but I'm fairly sure you calling me that is considered flaming. I don't care - however, usually the forum rules do.

Just fyi.


Yea, I was referring to you.
-" Just FYi."
BTW, who likes an "ass"? Please enlighten me on why you are defiantly happy about proclaiming such an ignorant name? :lol:





#52 lilc4247

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Posted 09 September 2010 - 09:55 PM

A few local places do, as well as the local Sears and Home Depot.

A week or so ago, I was in an asshole mood and a cashier at Sears decided to ask for ID. I politely explained that it's against their merchant card services agreement to do so, but they can verify my signature on the back of the card. She declined, and said she needed to see ID or she would decline the transaction.

That's when I said: "Call your manager, then." She said the only person in-store was the store manager. I said: "Perfect."

Anyway, he came up and asked the issue. She explained it, and finished with, "I don't know why he won't show me his ID. Kinda sketchy." To which I repeated, "Because it's against your merchant card services agreement with MasterCard."

Store manager: "No it's not. I'd know - I've worked here for 12 years. It's my job to know. Do I come to work and argue with what you're a specialist in, sir?"

Me: "Obviously not - otherwise you'd know I'm a Personal and Business Banker with a major commercial bank, and one of my specialities is Merchant Payment Processing Services."

He looked throughly defeated, and all he said after that to the cashier was: "Complete the transaction."

Needless to say, I reported them to MasterCard for asking for ID, mostly because of the attitude they took. I may have been dressed as my casual college-self at the time, but don't assume I'm using a stolen card or something simply because I don't want to show ID. And to store managers, of course, don't argue with customers. 1, it'll cause a retailer to lose business, and 2, they might just happen to know more than you. :ph34r:


Doesn't seem like just a mood, you seem pretty proud of yourself. Not sure why.

What is the big deal with showing your ID? Please don't tell me it violates the merchant agreement. I understand that technically, you were correct. To me, looks like you were just picking a fight with perfect strangers just because you could.


I cannot stand ANYONE who argues something they do not know about, and I will take on any fight when I know 100% they are wrong and 100% I am right. And strangers or best friends - if you are wrong, I will correct you and if you fight... I will go on the offensive and crush your argument.

Speaking of people's arguments, I love crushing them, and will do so at every chance possible, barring my workplace, where I have to play nice. :lol:

In short: I'm an ass, an proud of it.

As for showing IDs... I never had an issue with it, however, I've come to the realization that it is NOT required and they are NOT allowed to ask for it. Rules are rules - and I am a stickler for them. Things are not put into a contract just for the hell of it. Perhaps it is because I work at a bank where, if it's a rule, you do not disregard it - I've always been a follower of the rule, and I expect others to do the same. Again, it's not a rule/agreement/whatever just for the hell of it.


What a TOTAL D***! :lol:


I'm not sure who you're referring to (myself or the manager from my earlier post), however, if it is me - I can call myself an ass, but I'm fairly sure you calling me that is considered flaming. I don't care - however, usually the forum rules do.

Just fyi.


.



#53 LKH

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Posted 09 September 2010 - 09:57 PM

Wll lilc, I'm referring to you. I believe you've been explained the rules here a few times in the past. Now all of your posts will be moderated. if they meet approval, they'll be seen, if not, they won't.

#54 breeze

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Posted 09 September 2010 - 10:26 PM

Two ID's - I guess he intended to be a troll.

#55 BBQ123

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Posted 09 September 2010 - 11:37 PM

Short story is: if you don't want to show ID, you don't have to... if you want to show ID and risk more identity theft issues, go ahead as no one's going to stop you.

#56 1melonini

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Posted 09 September 2010 - 11:43 PM

My work asks for ID for purchases over 100 dollars. We have a lot of CC fraud. Grocery store if your wondering.

Really? Grocery stores are supposed to be low fraud.


They try to pull a switch scam. They will show you an id that matches the card then will scan another CC. I check the last 4 digits on the reciept. I ask for ID at selfcheck out and regular lines.

#57 1melonini

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Posted 09 September 2010 - 11:54 PM

My work asks for ID for purchases over 100 dollars. We have a lot of CC fraud. Grocery store if your wondering.


On self checkouts, at my grocery store (big Chicago chain) it requires an employee's approval for over $50 and they sometimes ask for ID. What if someone else drove me and all I had was my credit card? Or what if I rode my bike? And why can I go in a regular line and buy $300 worth of groceries with no prob?

I need to stop using self checkout , it's already a PITA as it is. Then again I don't want to wait in the lines. Man I hate grocery shopping!


Sorry at my store you would be carded in selfcheck and regular line. I have never had anyone get mad at me for asking, at least the ones that could prove it was there card. A few months ago I noticed a guy always buying at least two giftcards using a CC. When the guy left I asked the checker, did she card him? She said she forgot. When he came back in the next week, I relieved the checker for a break. The guy just looked shady. Well he was using a Discover, no ID. He said his wallet was stolen. Sorry no sale. He has not come back since.

#58 Passenger25

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Posted 10 September 2010 - 12:26 AM

Sorry at my store you would be carded in selfcheck and regular line. I have never had anyone get mad at me for asking, at least the ones that could prove it was there card. A few months ago I noticed a guy always buying at least two giftcards using a CC. When the guy left I asked the checker, did she card him? She said she forgot. When he came back in the next week, I relieved the checker for a break. The guy just looked shady. Well he was using a Discover, no ID. He said his wallet was stolen. Sorry no sale. He has not come back since.

Just out of curiosity, what did this accomplish? You lost a regular customer. If his wallet was stolen, he may have been using the gift cards while waiting for a replacement Visa/MC, and you inconvenienced him further. If he was using a stolen card, you did nothing to prevent further use of it at other merchants. Wouldn't it have been better to call for a Code 10 authorization? Unlike Visa and MC, Discover allows merchants to require ID as a condition of card acceptance. But they also encourage merchants to report fraudulent cards, not turn them loose. Some card issuers even pay a bounty for catching a fraudulently used card.

#59 LBCS

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Posted 10 September 2010 - 01:14 AM

Sorry at my store you would be carded in selfcheck and regular line. I have never had anyone get mad at me for asking, at least the ones that could prove it was there card. A few months ago I noticed a guy always buying at least two giftcards using a CC. When the guy left I asked the checker, did she card him? She said she forgot. When he came back in the next week, I relieved the checker for a break. The guy just looked shady. Well he was using a Discover, no ID. He said his wallet was stolen. Sorry no sale. He has not come back since.

Just out of curiosity, what did this accomplish? You lost a regular customer. If his wallet was stolen, he may have been using the gift cards while waiting for a replacement Visa/MC, and you inconvenienced him further. If he was using a stolen card, you did nothing to prevent further use of it at other merchants. Wouldn't it have been better to call for a Code 10 authorization? Unlike Visa and MC, Discover allows merchants to require ID as a condition of card acceptance. But they also encourage merchants to report fraudulent cards, not turn them loose. Some card issuers even pay a bounty for catching a fraudulently used card.


1melonini - At least tell us which store you work for so that we can all steer clear from that fine establishment.

#60 TheBanker

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Posted 10 September 2010 - 01:39 AM

Sorry at my store you would be carded in selfcheck and regular line. I have never had anyone get mad at me for asking, at least the ones that could prove it was there card. A few months ago I noticed a guy always buying at least two giftcards using a CC. When the guy left I asked the checker, did she card him? She said she forgot. When he came back in the next week, I relieved the checker for a break. The guy just looked shady. Well he was using a Discover, no ID. He said his wallet was stolen. Sorry no sale. He has not come back since.

Just out of curiosity, what did this accomplish? You lost a regular customer. If his wallet was stolen, he may have been using the gift cards while waiting for a replacement Visa/MC, and you inconvenienced him further. If he was using a stolen card, you did nothing to prevent further use of it at other merchants. Wouldn't it have been better to call for a Code 10 authorization? Unlike Visa and MC, Discover allows merchants to require ID as a condition of card acceptance. But they also encourage merchants to report fraudulent cards, not turn them loose. Some card issuers even pay a bounty for catching a fraudulently used card.


1melonini - At least tell us which store you work for so that we can all steer clear from that fine establishment.


+50.

#61 hinklesc

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Posted 10 September 2010 - 01:58 AM

I have noticed more and more establishments asking for ID recently. Just the other day at Old Navy, buying my daughter these ugly sparkly shoes she HAD to have.

The clerk seemed new and I made a comment "well this is new, since when do you have to be of age to buy girl shoes". I asked to speak to a manager, and informed her of the proper procedure in accepting credit cards. In the end, I did not show my ID and took about 10-15 minutes holding up their line.

#62 TheBanker

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Posted 10 September 2010 - 02:09 AM

I have noticed more and more establishments asking for ID recently. Just the other day at Old Navy, buying my daughter these ugly sparkly shoes she HAD to have.

The clerk seemed new and I made a comment "well this is new, since when do you have to be of age to buy girl shoes". I asked to speak to a manager, and informed her of the proper procedure in accepting credit cards. In the end, I did not show my ID and took about 10-15 minutes holding up their line.


Perhaps they will start rethinking their ways when they realize they're ticking off multiple customers at once, not simply the ones that are being asked to show ID, because of the holdup at the line?

:lol:

#63 shadow2k

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Posted 10 September 2010 - 05:01 AM

I have noticed more and more establishments asking for ID recently. Just the other day at Old Navy, buying my daughter these ugly sparkly shoes she HAD to have.

The clerk seemed new and I made a comment "well this is new, since when do you have to be of age to buy girl shoes". I asked to speak to a manager, and informed her of the proper procedure in accepting credit cards. In the end, I did not show my ID and took about 10-15 minutes holding up their line.


Perhaps they will start rethinking their ways when they realize they're ticking off multiple customers at once, not simply the ones that are being asked to show ID, because of the holdup at the line?

:o


Sorry, but most people don't know about the whole ID thing, nor do they even care. I guarantee you that probably every customer standing in line behind you are just thinking about how they'd like to smack you for holding everyone up when you could easily rectify the situation in about 5 seconds.

What exactly is on your ID that is so sacred? It isn't like your SS# is on there like 10yrs ago. Your address, your DOB, and your DL #. I can just as easily take the name off your CC and find that information out without any problem. Google usually does the trick, but isn't the only way. In all honesty, I could pull up behind you in my car and simply use your license plate # to find out the same info on your DL. Your own local government offices sell that information for the same price as cheeseburger.

Hacking your wireless internet, your bluetooth cell phone...so many more easier and safer ways to get your information than being the one who you know you handed it to directly, probably on camera, in a brick and mortar store. You imprint your name and address on everything you do online in the form of an IP address. Everywhere you go, everywhere you post. That information is there for those who know how to get it.

If you truly want to protect your identity, hiding your ID in your wallet isn't going to do the trick. If the joy of arguing with strangers just trying to do their jobs, even if they're doing it wrong, is what you're after...well, I'm truly sorry.

Ultimately, it is your choice. But seriously, next time, ask the customers behind you how they feel about it. I don't think you're going to get a hero's welcome when you turn around. Don't pretend like you're doing this for anyone else's benefit, or even your own. Both of you two just seem to enjoy the argument. No big deal, I like debates as well, but not at the expense of others. Like the people standing behind you, thinking...well, we can only guess. But seriously...ask them next time! I don't think you two will get the response you seem to think you'll get.

#64 razdigital

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Posted 10 September 2010 - 05:21 AM

Most of these cashiers are asking for IDS and last 4 digits of the card numbers are because most of the POS(point of sales not Piece of sh**) :o systems ask them to ask the customers to verify. To ask for ID you have to go over a certain cash limit say $35 for 7-Elevens, and if you get stuck with a charge back it falls on the franchise to cover the expenses.


Anyone have in-depth documentation on how a charge back works on the retailer end?

#65 BBQ123

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Posted 10 September 2010 - 10:13 AM

It is a violation of the merchant agreement for a business to refuse a sale due to the customer not showing ID.

Simply put, no customer has to show ID for their signed credit card.

#66 JetTeach

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Posted 10 September 2010 - 10:17 AM

It is a violation of the merchant agreement for a business to refuse a sale due to the customer not showing ID.
Simply put, no customer has to show ID for their signed credit card.


And there is the key. Until the sale is refused NO VIOLATION EXISTS.

#67 hegemony

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Posted 10 September 2010 - 11:03 AM

I AM NOT A CREDIT CARD THIEF; THEREFORE I DO NOT SHOW MY ID

#68 shadow2k

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Posted 10 September 2010 - 11:06 AM

It is a violation of the merchant agreement for a business to refuse a sale due to the customer not showing ID.

Simply put, no customer has to show ID for their signed credit card.


We understand that. But the only reason I see for refusing to do so is to get to argue with the clerk and supervisor, which seems to be a source of enjoyment for some. I refuse to encourage that ridiculous behavior towards other people who are trying to help you, just because you can.

What is the point of refusing to show ID beyond, "it violates the merchant agreement"? I understand that it violates it, but...who cares? The battles you choose to fight should actually have some value in the end, and I see none here.

#69 JetTeach

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Posted 10 September 2010 - 11:07 AM

It is a violation of the merchant agreement for a business to refuse a sale due to the customer not showing ID.

Simply put, no customer has to show ID for their signed credit card.


We understand that. But the only reason I see for refusing to do so is to get to argue with the clerk and supervisor, which seems to be a source of enjoyment for some. I refuse to encourage that ridiculous behavior towards other people who are trying to help you, just because you can.

What is the point of refusing to show ID beyond, "it violates the merchant agreement"? I understand that it violates it, but...who cares? The battles you choose to fight should actually have some value in the end, and I see none here.


:(

#70 hegemony

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Posted 10 September 2010 - 11:24 AM

But the only reason I see for refusing to do so is to get to argue with the clerk and supervisor, which seems to be a source of enjoyment for some.

:lol:
enjoyment? nope. if the merchant thinks I am a thief they should call the police. accusing me of using someone's credit card is not tolerated.

#71 shadow2k

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Posted 10 September 2010 - 11:26 AM

I AM NOT A CREDIT CARD THIEF; THEREFORE I DO NOT SHOW MY ID


Setting up a circular argument doesn't change the actual reasoning behind why you refuse to show ID. I mean, I've seen this in your sig before. The attitude simply seems to stem from the old, "you have offended my honor!" response people have to certain things. Why does a stranger questioning who you are bother you? How much info did you give to the CC company to get the card in the first place, why didn't you throw a fit over that?

I haven't been on a flight any time recently, but don't they require you to show ID to board the planes? Walk through metal detectors? Run your baggage through the little x-ray box? Do you get all upset over this as well? Tons of other things in life where you're required to show ID, why is this so different for you?

#72 hegemony

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Posted 10 September 2010 - 11:30 AM

I AM NOT A CREDIT CARD THIEF; THEREFORE I DO NOT SHOW MY ID


Setting up a circular argument doesn't change the actual reasoning behind why you refuse to show ID. I mean, I've seen this in your sig before. The attitude simply seems to stem from the old, "you have offended my honor!" response people have to certain things. Why does a stranger questioning who you are bother you? How much info did you give to the CC company to get the card in the first place, why didn't you throw a fit over that?

I haven't been on a flight any time recently, but don't they require you to show ID to board the planes? Walk through metal detectors? Run your baggage through the little x-ray box? Do you get all upset over this as well? Tons of other things in life where you're required to show ID, why is this so different for you?



Everyone is treated the same by the TSA. I expect the TSA to rubber glove me; I don't expect some merchant who presumably wants to have happy customers accusing me of stealing a credit card. I especially don't like it when someone in front of me is NOT asked for ID but then for some reason I just look swarthy enough to accuse of being a credit card thief.

why don't merchants check all customers' IDs, including people using subprime cash? don't merchants care about counterfeit dollars?????

#73 JetTeach

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Posted 10 September 2010 - 11:32 AM

FRIDAY!!!! :lol:

#74 shadow2k

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Posted 10 September 2010 - 11:35 AM

But the only reason I see for refusing to do so is to get to argue with the clerk and supervisor, which seems to be a source of enjoyment for some.

:lol:
enjoyment? nope. if the merchant thinks I am a thief they should call the police. accusing me of using someone's credit card is not tolerated.


Do you hide from the security cameras, refusing to be filmed as well? Refuse to walk through the alarm system at the exit because it offends your honor? Almost every merchant assumes you're a thief the second you step through the door, until the second you leave.

Probably shouldn't shop online either, as they all store your IP address, which is your online ID. Probably should never sign your signature for anything either, as everyone should just assume you are who you say you are.

Maybe next time something happens to your web browser and you have to log in to credit boards, you can raise a stink because they asked you for your password.

#75 hegemony

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Posted 10 September 2010 - 11:41 AM

But the only reason I see for refusing to do so is to get to argue with the clerk and supervisor, which seems to be a source of enjoyment for some.

:lol:
enjoyment? nope. if the merchant thinks I am a thief they should call the police. accusing me of using someone's credit card is not tolerated.


Do you hide from the security cameras, refusing to be filmed as well? Refuse to walk through the alarm system at the exit because it offends your honor? Almost every merchant assumes you're a thief the second you step through the door, until the second you leave.

Probably shouldn't shop online either, as they all store your IP address, which is your online ID. Probably should never sign your signature for anything either, as everyone should just assume you are who you say you are.

Maybe next time something happens to your web browser and you have to log in to credit boards, you can raise a stink because they asked you for your password.


:lol: :lol:
typical response by those who defend merchants violating contracts. make it about the poster not the issue at hand.




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