Went to Walmart yesterday. I don't like to shop there anymore, but I wanted the $4 keflex prescription for DD and my mom needed new towels (f$#&INY dog with intestinal distree-long story).

Go straight to the pharmacy. I'm told it will be 25 minutes at the most. So I go and get everything that my mom wanted: towels, underwear, etc.

It took almost 1 1/2 hours to get the prescription. THEN I asked if I could pay for my stuff at the pharmacy. Was told my doofus that I had too much (I didn't think so) so I had to go wait in line at the front of the store. There were 2 lanes open. Did I mention this is a Super Walmart?

So DD gets a piece of candy, I swipe mom's card (I do her shopping for her). The charge goes through, THEN the cashier asks to see the card and my ID. I tell her that I have MY ID, but that it was mom's card and I don't have her ID.

You would have thought that I was trying to defraud Walmart for towels and underwear.

She goes to ask manager, manager supposedly says no. I tell her that I don't have ANY problems using her card at other places. I signed MY name, not my mom's. If her bank doesn't have a problem with it, and my mom doesn't have a problem with it, and Walmart gets paid, who gives a isht?

So I give the cashier back the 1/2 eaten piece of candy and tell to have her manager shove it up their $$$ and then I take the bags back out of the cart, sit them on the turntable and tell her to have the manager do the same with those.

I walk away. I stop at the head cashier's desk and tell her that I want to talk to the manager. She informs me that the manager is at lunch. I went off on a tirade about how it must be nice to have lunch seeing how we were stuck back at the pharmacy for almost 1 1/2 hours. I was cussing up a storm and very loud. She *tries* to get another manager on the phone. She informs me that he too is at lunch. Whatever.

I told the head cashier how convenient it was that they were BOTH at lunch and how my child would like to have lunch but hasn't been able to because the pharmacy too sooooooooooo long. I informed her that I didn't give a 22it if they were at lunch, I wanted to talk to them NOW.

So the cashier who originally rang me up, walks up behind me and puts the bags back in the cart, hands my daughter her candy back, and lays the receipt on top of my purse. She informs me that her manager said that I could go ahead and take the stuff.

All that cussing and tantrum business for nothing.

Oh did I mention that my daughter's Keflex didn't qualify for the $4 price because it was the suspension. So adult keflex is $4, but children's keflex is $22. Mkay........

1-800-VISA-911

Press 0 twice and ask to file an incident report.

That cashier needs to shape up.

Walmart was CORRECT so when ya refuse to shop there, ya make the lines shorter for folks like me


the name on the front of the card didnt match the name signed on the back.... you made an ass of yourself and is mad at Walmart because they wouldnt allow you to continue a suspicious transaction??

A smart cookie wouldve been added as an AU on the credit account by now to avoid situations like this and more....

the cashier was correct... the name signed on the front didnt match the name typed on the back... if they did match, then the cashier shouldve did the compare siggy thing without asking for ID.... the OP doesnt have a leg to stand on

If you look at the way the post was written, the cashier requierd the ID at the same time she asked for the card. Had it occurred after a signature comparison failed, then Walmart would be in the clear. At the time the ID was asked for, the cashier had no basis to require it, and therefore, committed a violation.

According to the posted chain of events, the OP would have still been asked for ID had it been her card, which is why this situation requires corrective action.

Walmart is a notorious violator.

I agree that the order of events is suspect... however, the problem is, the OP isnt an authorized user and thus doesnt have a leg to stand on.... the OP wasnt in legal possession in the card, thus calling the Visa Cops and having a temper tantrum are both moot points and a waste of everyone's time....

USE YOUR OWN CREDIT CARD

You need to buy stuff for relatives...they can get an "AU" card with your name

I can even get you a card that charges my account (IF I WANTED TO)

It takes about 7-10 days to get the credit card(s)

The OP was in legal possession of the card and was authorized to use it, and therefore, not doing anything wrong. While this isn't the best of circumstances to file a report, the reflex reaction of the cashier can be reported truthfully. The OP should have no problem telling Visa that it appears that Walmart was requiring ID of all card users by asking for the ID at the same time that the card was asked for.

The important thing is that Visa identifies this Walmart as a hot spot of noncompliance, and sends the manager the appropriate letter explaining the policy that protects card holders.

I disagree
the OP is NOT an AU.... and violated the card agreement by signing her OWN name to the back of the card instead of the cards owner.... it is ILLEGAL as far as I know to use a card in the manner the OP did... thats why the AU is an option...

Just because some 1 gives you their CC, doesnt mean you are in legal possession of it..... The card agreements are there to protect the responsible party.... pretty simple to not violate them ( get AU status) and then catch places like Walmart by the balls


also, going by what the OP typed, Im not convinced Walmart was wrong which is why i agreed its merely suspect




Walmart is wrong plenty of times.... this isnt one of them in my view....

Tee, I'm not sure why you always go out of your way to try to make me look bad. It is kind of sad...... In the past you have called me a troll. Racist. A liar. Now you call me an ass. Go clean up your OWN back yard sweetie.

I didn't make an ass out of myself. If I have the permission of the cardholder to use the card, there shouldn't be a problem. I've been doing stuff like this since I was a kid. My dad used to hand me his bankcard to go shopping when I was a teenager. He would give it to me to pay for my college tuition. My parents would give me their card when they went out of town for emergency purposes.

I don't want to be an authorized user on my mom's bankcard. I shouldn't have to be to pick up special items for her.

Let's say that I'm at the pharmacy picking up her Pain Patches (HIGHLY controlled substance) and I use MY bankcard to pay for it. IMHO, that is more suspect than using hers.

I guess where I live, my family has a personal banking relationship and business relationships and isn't subject to the anal crap.

I did NOT sign MY name to the back of my mom's card. My MOM signed her card. When I use her card, I sign MY name. I do not forge anyone's signature...................

but you do use a card that's not yours....whether you have your mother's permission or not isn't really at issue here...



what if I were to take your credit card to WalMart withOUT your permission and they let me sign pryan67 on the receipt instead of your signature?


I'm not a fan of walmart...they tend to destroy small towns when they come in....


but in this case...other than asking for ID prior to seeing the signatures not matching....they did the right thing (up until they gave you the merchandise IMO....they shouldn't have done that, since it wasn't your card, and they had no way of knowing that your mother allows you to use her card)

I'm with Tee on this one. Yes, it was 'wrong' to ask for ID, but two wrongs does not make it right and the OP was wrong for using someone else's card... even with verbal permission. I find it interesting and telling that someone who is so bent on defending *the rules* is also so willing to overlook what is technically the fraudulent use of the credit card to begin with.

Can someone please point us to the page in the merchant manual where it says cards can be given to others to use like this?

Oh, and yes, it was a temper tantrum, indeed.

Just confirming, this is a credit card, not a debit card...correct?

Either which way, the store could have confirmed it with your mother, or had the CC company do it.

I don't know that I'd report anything other than the violation for requesting the ID with the card but...

...you did get what you went for didn't you. In that light, the tantrum worked.

It is a visa check card.

So I suppose that my old college, the local mall, and now the pharmacy, and a few other stores are my accessory to fraud? That's just silly.

USE YOUR OWN CARD(s) or CASH or WRITE A CHECK

You don't get to sign for the charge EXCEPT when you are on the account (AND YOUR NAME IS ON THE CARD)

technically they are but its nothing that I havent done before when my son uses my card for me. Tee is correct though and you even admitted acting like an ass at the store but then thats easy to do at that store.

Whether it is against the cardholder agreement or not would depend on the specific card. I have seen agreements prohibiting this practice, and others that are specifically silent on it, but require the cardholder to be responsible for all authorized charges.

Either way, it isn't illegal. It may be against the cardholder agreement, but it is not against the law.



The course of action taken by Walmart shows a premeditated intent to violate.

Other's lack of vigilance doesn't change the fact that technically it's still not allowed.

If it's a check card, could you have used the PIN? With a PIN you don't need a signature or ID. (Not that I'm encouraging... just sayin')

ya missed the point and making you look bad wasnt my intention

Have a Happy one....

The cashier and managers were in the right.
The signature must match the name on the card - and they ARE supposed be asking for a photo ID when any card doesn't have a photo ON it -


Just another step in the general direction of protection for the card holder, ya'll have heard of identity theft..ya?

Cathie

the second part of your statement is patently false

Incorrect.

Are you a frequent and regular shopper there? I ask because Ive been shopping at the same Walmart for 14 years and when the computer tells the cashier to compare signatures on the card, they never do. They all know me there and I think that makes a difference. When the machine tells them to compare sigs they just roll their eyes at it and go on with the transaction. Im not saying that is the right thing to do, but it does speak to them treating me like someone they've known for 14 years and not someone out to commit fraud. Though I do understand why the rules are in place

Out of curiosity, I'm asked for ID almost every time I use my cards - stores, hotels, etc. They are all signed.

What is the response that it typically given in such an instance? A simple "No"? What is their response at that point?

PMR


Edit: Spelling

yep, the lady who used to live behind me has worked at the local Walmart for 20 yrs, long before I even moved here... she always works the express lane with the cigarettes... I go to her lane all the time & she laughs when the computer asks for my ID

It is not fraud. Fraud requires that goods, services, money, or other value be obtained by a willful act of falsification, trickery, or deception. The OP had authorization to charge the account, which she did, in the course of lawful commerce. No deception was made, and no goods or services were illegally appropriated.

Not all cardholder agreements prohibit granting another the authority to make charges to the account, nor do all agreements define entrusting the card to another as an automatic breach of the "reasonable efforts" clause as far as card security is concerned.

do you look like a shady character?

Seriously though, I am rarely asked for ID.

NO ID FOR A SIGNED CREDIT CARD

And W-M would know that how? Because she said so? Sounds like some pretty low standards, even for companies that choose the least secure ID method as their protection of choice... the easily-forged signature. I'm not convinced.

Indicate to the cashier that the card is signed, and the signature on the sales draft should be compared to the signature on the back of the card. If the cashier refuses to complete a standard Visa/MC transaction because you refused any request for additional information (except a billing ZIP in an automated terminal), then that merchant has committed a violation and should be reported.

If the cashier persists, you should inform them of Visa's rules (MC has the exact same policy, and can be substituted), and advise them that you object to handing over personal information (address, DOB, DL#) for a transaction that does not require it.

If the cashier tells you that this is for your own protection, inform them that you already have zero liability, and cannot be protected any more.

If you continue to get static, ask for a manager to resolve the issue. If the manager refuses to follow policy, inform them that merchant banks fine merchants for this sort of thing, and threaten to take your business elsewhere.

Most cashiers will complete the transaction before it gets to a manager. Very few managers (Walmart is an exception) will be persistent and stubborn in their willingness to violate.

If the store has posted a sign requiring ID, or implementing fees, surcharges, minimums, or maximums, then get a picture of that sign for inclusion in your complaint to Visa/MC.

THE COMPUTER DOES NOT ASK FOR ID (unless you are buying stuff like cancer sticks or booze)

"IF" you are saying that message that says "COMPARE SIGNATURE" means ask for ID THAT IS FALSE

This situation does not meet the legal profile of fraud, which is why I chose to object to your characterization of this situation as "technically the fraudulent use of the credit card to begin with."

Sorry Uncle Leo and hurricaine.....

Just about every store has a mandate in place for the cashier and or managers to check photo ID's on CC and debit card purchases.....because the STORE foots the bill if there's a dispute down the line
CC companies even send out cute little 4X8 letters reminding us, lol

I know this cause I have worked in retail for ages and have been a manager at two stores.

Lots of joints don't do it as much any more because they are getting lax in service, or someone they know personally, or is in the store ALOT

Cathie

That's it, that's what I meant, George. I always took it as WM wanting to ID me though, as that is what it felt like as I was using dh's credit card that was in his name, but not mine. But I do understand what you are saying.

Merchants are "footing the bill" because compliance with proper card acceptance procedure is rather lax. Merchants fail to compare signatures, fail to compare digits on the card with the sales draft, fail to keep signed sales drafts or electronic signature authorizations, fail to answer disputes in a timely manner, etc.

It should come as no surprise that the merchants with the biggest chargeback problem (those with poor acceptance and dispute handling procedures) would then ignore another rule by implementing an ID requirement. The merchants ignorant of or willing to ignore the prohibition on ID requirements are those most likely to have an overall sloppy acceptance procedure.

Visa and MC make available low cost training materials to educate merchants and their employees as to how to properly accept cards and respond to disputes. Most cashiers lack proper procedural knowledge above swiping the card and entering the amount.

There are plenty of merchants who can stay within an appropriate fraud threshold and have no problem losing money on chargebacks without the use of ID to suggest that it is not impossible to follow proper procedure. Proper procedure is easy to follow, if merchants would take a bit of time and PROPERLY TRAIN new hires to do their job.

NO MINIMUM ON A CREDIT CARD

NO MAXIMUM ON A CREDIT CARD

NO FEE TO USE A CREDIT CARD

NO ID ON A SIGNED CREDIT CARD

The store agrees to follow the CREDIT CARDS POLICY...(when they sign up) not make up their own

When I refuse...it's a simple "no thank you" and that generally takes care of it...

Excellent post!!

Thats why I left the field....it was getting to be a head-banger to try and make a difference...

Cathie

JW1980 - Thanks for the info.

It really doesn't matter what mandate a store has in place. It is against the policies of both Mastercard and Visa. They will bust a store if they get reports of them doing it.


I currently have 4 merchant accounts and in all of the years (15+) I have had one, I have never gotten a cute little 4x8 letter from a credit card company reminding me to check ID. That probably has something to do with the fact, cc companies do not set policy for MC/Visa nor are they the processor for accounts.

Well alrighty then....apparently I worked at very odd places....

How commonplace are chargeback problems on your accounts when you and/or your employees follow proper card acceptance procedure?

You wouldn't, by chance, have a copy of one of these 4x8 letters that you could scan and post, would you?

Anyway, back to the subject at hand...

...I agree with this. If I were the manager, I'd have been tempted to call the police to take care of a public disturbance. If it were really as bad as portrayed in the original post, that is.

What's the purpose of even having a signature to compare if just anybody can say, "Oh, they said I could use it."?

+1 and +1

Very uncommon. I have not had any successful (I did have an odd one that I am still unsure about ) chargebacks.

Not slamming other merchants, but I think I may be a bit more anal about following acceptance policies than some. I am pretty lenient with my employees, but they know I will get real ugly if they do anything to jeopardize my merchant accounts.

Signatures are a poor anti-fraud measure and nobody is defending them. That has nothing to do with the fact that what the OP did is not fraud.

Chip and PIN is the solution. ID is a non-solution.