Gap, Hollywood Video, and Office DEpot don't franschise out. I worked all for the actual company.. Though, Blockbuster does franchise there locations -- if your getting confused with them.

With that, I'm going to get off the subject...

YOU DON'T LIKE THE CREDIT CARD POLICY (no ID on signed credit cards) DON'T TAKE CREDIT CARDS

THE CASHIER HAS EASIER ACCESS TO THE MANAGEMENT THEN I DO

THEY CAN PASS ON THE VIOLATION MESSAGE

MAYBE THE MANAGER DOESN'T EVEN HAVE A CLUE

IT IS ALSO POSSIBLE THAT THE CASHIER(s) MADE UP THE "RULE" W/O MANAGEMENT EVEN KNOWING

THE CASHIER(s) CAN GIVE A CLUE TO UPPER MANAGEMENT

I was told by some customers that all the LOCAL grocery stores take expired coupons

I called management at 3 local grocery stores

They ALL said they don't take expired coupons ON-PURPOSE

As usual the customer's lied

AS COUPONS GO...SO GOES CORPORATE POLICY ABOUT ASKING FOR ID ON SIGNED CREDIT CARDS

(no such policy) about asking for ID on signed credit cards

Hence, it's easier just talk to management.. Usually in most places some kind of manager is there. If the cashier is lieing he will be corrected.

Exactly. Don’t assume the crooked cashier was told to do this by someone else. Violating cashier may well have made up his own prohibited and insulting policy on-the-spot. At any rate, simply call 1-800-VISA-911. They will walk the idiot cashier step-by-step through proper card acceptance procedure.

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 photo 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. The contract MasterCard merchants sign specifically prevents them from asking for personal ID.

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 WorldWide 2000 Purchase St. Purchase, NY 10577 or call 1-800-300-3069. 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. You may also report violations online:

http://www.mastercard.com/us/personal/en/c...violations.html

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 that issued your Visa card or call 1-800-VISA-911.

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."

Are you saying that the zero liability policy does not work? Could you elaborate more on the details?

My ID is safest by staying in my wallet

I have employees who say that is incorrect with regards to training in this area.

Centex, take it up with BofA, not the rest of society.. You want the rest of the world to suffer and put themselves at risk just so YOU MAYBE won’t have some bank record somewhere? Unbelievable! Obviously it a major security and identity theft risk, extreme invasion of privacy and a no-brainer to keep your ID to yourself. No reasonable adult would hand over their ID to some violating cashier on demand. The most important thing is making sure it never happens again, so if any violating merchant should ever pop-up in your community, make sure they are eliminated/brought back into line immediately - 1-800-VISA-911.

I really want to know WHY people won't show their ID to the lady washing her car at the car wash

...won't show your ID to the guy walking down the street

...won't show your ID to the trash man

...won't show your ID to the guy checking out books at the library

...won't show your ID to the lady eating lunch at the sidewalk cafe

BUT WILL SHOW YOUR ID TO THE CASHIER WITH-OUT BATTING AN EYE

(some even demand it--->CID is your new name)

(not saying ALL cashiers are bad people)

As with any job...there are some bad apples

As they should be. Any violating cashier must be eliminated.

In my case, it is CLEAR it did not work. The problems should have ceased once the police reports were provided to each affected lender/creditor with whom losses were incurred. Instead, I was left playing whack-a-mole with several entities that accounted for roughly $160K of the nearly $200K in fraud-related losses. $40K or so of that amount was with MBNA and their successor entity has continued to hold it against me as the sole basis for multiple incidents of denied applications or adverse action. So yes, it is my contention that zero liability is a crock.

It maybe too late to get a credit but you still might be able to do the following.

I don't know if it is Mastercard or Visa. You might want to give them a call and tell the MBNA and their successors or collection agency didnt honor the zero liability policy.

However, you still should file a complaint with the consumer division of Office of the Comptroller of the Currency and maybe even the FTC.

If you can prove the negative information on your report was caused by fraud. You might be able to sue the card company and their collection agency and their successors for defamation of character. I am not a lawyer, so check with one.

AMEN

Who knows if it's different per region. Every region has it's own management.. I can only speak for where I worked in Texas region.. Don't know what area your in tho...

What are the addresses of the the violating stores?

It would be cheaper to make the cashier RE-TRAIN all the other cashiers on the "REAL" credit card policy

You could say that I did...in between my obligations to other clients.

The information is no longer on the reports, as it has since aged off. While there was a valid argument for litigation, I ultimately decided against pursuing the claim because I didn't have the time to put into it myself and I knew that litigation with the OC's and the bureaus would have been quite protracted. I also wasn't going to ask someone who did more civil work to take it on a contingency basis and I didn't feel like wrapping a good $10-20K into a case out of my pocket hoping that we got a return on the back end.

No CA or JDB ever hung around after they got my first letter...they knew they didn't want to tangle with me on my home turf in Travis County (and my filings were iron-clad enough to where they would have withstood any attempt to remove it a few streets over to federal).

Neither Visa nor MasterCard seemed interested in the matter.

The bottom line in all of it was that they vast majority of the losses could have been prevented had there been a practice in place by which identity was checked. Very little of the losses were associated with online purchases.

Visa and Mastercard should be interested in banks not following the rule. They are the ones that advertise the Zero liability policy a lot. I even used it once and got all my money back.

Centex, focus on keeping your own credit cards secure rather than expecting the rest of the world to suffer and put themselves at risk at every transaction just so YOU MAYBE won‘t have some BofA record. Obviously it is a major security and identity theft risk, extreme invasion of privacy, and a no-brainer to keep your ID to yourself. No reasonable adult would hand over their ID to some violating cashier on demand. The most important thing is making sure it never happens again, so if any violating merchant should ever pop-up in your community, make sure they are eliminated/brought back into line immediately - 1-800-VISA-911.

I don't recall Centex ever advocating the showing of ID specifically, but rather she points out how "zero liability" is sometimes nothing but a crock. (She's not the only one, either, who can cite similar personal experience) But even if she did/does advocate ID showing, your response here is nothing but a smoke screen and does NOTHING to address the failing of "zero liability". Bottom line, you don't have an answer, do you?

Thank you for taking the time to make a difference.

To report, simply call 1-800-VISA-911, press zero twice, and ask to file an "incident report" regarding a merchant violation/merchant who required ID. Crooked merchants shape-up quickly to avoid suspension. Make sure your community is 100% violation-free.

There have been many replies here since I last posted - forgive me, but I was angry at the lack of understanding from a community who should have every empathy.

Two years later from my identity theft, I continue to pay over $600 a month to a lawyer, for what amounts to a bunch of letters to various creditors and credit reporting agencies for nothing than 'build a case'....as I'm told.

I'm still prohibited from access to credit, because the CRA's state I'm in repossession for some accounts that have been paid in full....and a credit history littered with hard inquiries and apparent debt to the order of over $100K.

I can't continue to write more....I came here for help and inspiration to resolve my problems....as a British guy who was so inspired to move to this county in the first instance......I am very disappointed in the reality.

I DON'T UNDERSTAND WHAT YOUR ARE GETTING AT

What does the subject of the post have to do with your problem???

Read all the posts since my last entry and this one - and all will be revealed !!!! Just like magic !!!!

I have a LICENSE TO DRIVE A CAR or TRUCK

My card is signed

The signature on the DRIVER'S LICENSE was signed 15 or 20 years ago

The signature on the back of the card was signed in the past 3 years (maybe in the past month)

What signature is better to compare the slip to???

I just produce it, it is not a big deal to me.

I have never had a cashier grab my license, examine it closely, write down numbers or appear to be memorizing it for use later on (eye roll).

They appear, to me, to be comparing the name on the ID to the name on the credit card.
That may not be fool proof, but I certainly have come to appreciate it in the era of ID theft and fraud.

PS) the cashiers are JUST DOING THEIR JOB ...

if you are going to complain, try the store manager.

I am sure most employees that *need a job* do not have the leverage to tell their boss they won't do something that is store policy.

Off of my soapbox.

Your address, driver’s license number, birthdate, etc. are none of the cashier’s business.

Obviously it is a major security and identity theft risk, extreme invasion of privacy, and a no-brainer to keep your ID to yourself. No reasonable adult would hand over their ID to some violating cashier on demand. The most important thing is making sure it never happens again, so if any violating merchant should ever pop-up in your community, make sure they are eliminated/brought back into line immediately - 1-800-VISA-911.

Hey Cactus Flower............

So... because SOME merchants ask for ID you feel protected?!!!!! Well hot DOG - a fraudster couldn't possibly just find somewhere else to use the card.

Here's a news flash: Until nearly 100 percent of all merchants require ID ( and risk fines and suspension for violating their merchant agreement ), asking for ID will be of absolutely no help to you.

MY LICENSE IS SAFEST IN MY WALLET THAT STAYS IN MY POCKET

"JUST DOING THEIR JOB" is not always the case

So I show my ID with my card...who did I protect from UNAUTHORIZED CARD USE???

What changes if I refuse to show my ID with my card???

The point Baggy is that if you think a cashier IDing whoever took your card would have prevented you from all of these problems, you are simply wrong. As you said, you were out of the country and someone got your new card in the mail. They had ample time to obtain a Fake ID (and I can guarantee you they did).

What would have prevented this would have been a system involving a PIN number attached to the card, or not leaving the dang card in a mailbox for weeks while you were out of the country in the first place. Whenever I have a new card coming, I try to monitor the mail very closely but sometimes that isn't possible. This issue really opens the door to problems and fraud, I understand.

I would also suggest making the credit limits on your card smaller.

I'm not a pro, but if I can make a credit card that passes muster, you can bet I can make an ID that does it, too.

With the equipment I have access to, I can't make a CC, but reasonable looking ID is a snap.

That doesn't say I have to show a driver's license. It says verify identity, which is going to have to involve fingerprints in combination with some additional bio-information. I can make a fake ID in 10 minutes.

Let's say it a different way.

If you lose your card and it's used, they probably have the ID that was in your wallet.

If they stole the number and made a card, they can make an ID, too.

If it's your card, showing your ID will never help you, so the law is a non-issue. See the bolded portion. Showing my driver's license to a stranger increases my risk and doesn't verify my ID.

Didn't dispute correctly. Just like being mistaken about protection provided by ID checks.

I protect myself by keeping my DRIVER'S LICENSE in my wallet that is in my pocket

THE ID IS ON THE BACK OF THE CREDIT CARD

(and my name is not CID)

Any serious in-store crook will have fake ID.

I cannot wait to hear the response about why a police report and disputing in accordance with THE LAW still resulted in my twisting in the wind with original creditors...

ZERO LIABILITY IS A CROCK!!!

I have better things to do with my time than argue with a cashier or management over an ID policy.

+1,000,000

So you are losing how much???

You would be complaining instead of working???

You work 24/7

SLEEPING WOULD BE A WASTE OF TIME TOO