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hinklesc
Ordered pizza for the kids at dominos online. After checkout (with credit card), the website read "Please have valid photo ID and credit card available for driver".

I was waiting for the pizza to show up as well as tell the driver I was not producing ID for either pizza or a card.

However, driver did not even ask for card, ID, or signature.
GEORGE
QUOTE (hinklesc @ Oct 26 2009, 09:27 PM) *
Ordered pizza for the kids at dominos online. After checkout (with credit card), the website read "Please have valid photo ID and credit card available for driver".

I was waiting for the pizza to show up as well as tell the driver I was not producing ID for either pizza or a card.

However, driver did not even ask for card, ID, or signature.

PIZZA HUT had the same thing for a TO GO order from the internet

I had the CREDIT CARD POLICY READY

They turn it into a CARD PRESENT TRANSACTION if they get the card at the door

Some have said they just make a rubbing of the card numbers and name
hinklesc
Well the official policy is one thing, and the drivers is far from that! He didnt even know about a card or signature. He just handed me the pizza and left asap, must have had al ot of orders.

I could call a couple hours later and say where is my pizza!!!!!!!!!!
Uncle Leo
Why would you not have the credit card available? dntknw.gif
hinklesc
QUOTE (Uncle Leo @ Oct 27 2009, 08:52 AM) *
Why would you not have the credit card available? dntknw.gif


I was not referring to not having the card available. I was referring to having to show a drivers license to the pizza boy when using a credit card online. Of course, had the card available but irks me when they ask for Identification.
centex
QUOTE (hinklesc @ Oct 27 2009, 02:49 PM) *
QUOTE (Uncle Leo @ Oct 27 2009, 08:52 AM) *
Why would you not have the credit card available? dntknw.gif


I was not referring to not having the card available. I was referring to having to show a drivers license to the pizza boy when using a credit card online. Of course, had the card available but irks me when they ask for Identification.


what is even more amazing is that you were willing to forego your meal over some feigned indignant nature...
hinklesc
QUOTE (centex @ Oct 27 2009, 02:07 PM) *
QUOTE (hinklesc @ Oct 27 2009, 02:49 PM) *
QUOTE (Uncle Leo @ Oct 27 2009, 08:52 AM) *
Why would you not have the credit card available? dntknw.gif


I was not referring to not having the card available. I was referring to having to show a drivers license to the pizza boy when using a credit card online. Of course, had the card available but irks me when they ask for Identification.


what is even more amazing is that you were willing to forego your meal over some feigned indignant nature...


I wasn't planning on foregoing the meal. I will go along with showing my ID if necessary (not George). Only time I didn't was in a restaurant when the waitress tried to walk off with it (small town in Wyoming).

I just thought it strange they A NATIONAL CHAIN, mention to show id and cc to pizza boy upon delivery (clearly violating the VS/MC policy).
GEORGE
QUOTE (hinklesc @ Oct 27 2009, 04:48 PM) *
QUOTE (centex @ Oct 27 2009, 02:07 PM) *
QUOTE (hinklesc @ Oct 27 2009, 02:49 PM) *
QUOTE (Uncle Leo @ Oct 27 2009, 08:52 AM) *
Why would you not have the credit card available? dntknw.gif


I was not referring to not having the card available. I was referring to having to show a drivers license to the pizza boy when using a credit card online. Of course, had the card available but irks me when they ask for Identification.


what is even more amazing is that you were willing to forego your meal over some feigned indignant nature...


I wasn't planning on foregoing the meal. I will go along with showing my ID if necessary (not George). Only time I didn't was in a restaurant when the waitress tried to walk off with it (small town in Wyoming).

I just thought it strange they A NATIONAL CHAIN, mention to show id and cc to pizza boy upon delivery (clearly violating the VS/MC policy).

ID FOR A CARDBOARD PIZZA???

Try PIZZA HUT or PAPA JOHNS
hinklesc
QUOTE (GEORGE @ Oct 27 2009, 05:33 PM) *
QUOTE (hinklesc @ Oct 27 2009, 04:48 PM) *
QUOTE (centex @ Oct 27 2009, 02:07 PM) *
QUOTE (hinklesc @ Oct 27 2009, 02:49 PM) *
QUOTE (Uncle Leo @ Oct 27 2009, 08:52 AM) *
Why would you not have the credit card available? dntknw.gif


I was not referring to not having the card available. I was referring to having to show a drivers license to the pizza boy when using a credit card online. Of course, had the card available but irks me when they ask for Identification.


what is even more amazing is that you were willing to forego your meal over some feigned indignant nature...


I wasn't planning on foregoing the meal. I will go along with showing my ID if necessary (not George). Only time I didn't was in a restaurant when the waitress tried to walk off with it (small town in Wyoming).

I just thought it strange they A NATIONAL CHAIN, mention to show id and cc to pizza boy upon delivery (clearly violating the VS/MC policy).

ID FOR A CARDBOARD PIZZA???

Try PIZZA HUT or PAPA JOHNS


I usually get Papa John's since it is what I lived on through college.

Kids wanted Dominos, and really all taste about the same. Pizza Hut wanted too much.

No ID produced so all is good! biggrin.gif
higher180
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.
GEORGE
QUOTE (higher180 @ Oct 28 2009, 11:58 AM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.

IF YOU FEEL SAFER SHOWING ID...go for it

FOR MY PROTECTION...I DON'T SHOW ID

BBQ123
Having the card available is fine... requiring ID is not.
improper_validation
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.
centex
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...
improper_validation
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.
frank22
Just because I am not liable, doesn't mean I don't care if my card is used for fraud. I am more concerned with stopping the fraud than my privacy or whatever right you feel is given up. I actually don't feel that strongly about it either way. As far as I am concerned as long as it is the banks that eats it, they can do whatever they want.

I think Domino's puts that on there just to scare away the kids who have stolen a card. It probably stops a majority of the dumb thugs. Putting that statement on the internet isn't against the rules, following through is. Besides, I like my pizza hot, and would rather eat than argue.

Imagine the kid just trying to make a buck having to get educated to Visa rules by you guys. I guess it teaches him the joys of working with the public. biggrin.gif
Atmosphere
So now they have not only your name, address, phone number, and credit card information, but also your driver's license number and date of birth.

Good way to get your identity stolen.

Grizzly Bear
ID does absolutely nothing to protect the customer. Anyone with a stolen card can find plenty of places to max it out .
centex
QUOTE (improper_validation @ Oct 28 2009, 05:10 PM) *
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.


NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.
Uncle Leo
QUOTE (centex @ Oct 29 2009, 08:45 AM) *
NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.

That's not ApprovedSpeak for this forum. ph34r.gif

hinklesc
I just feel that Visa/MC have their policy regarding the merchant agreement, but rarely enforce things if it is reported.

So more and more businesses are asking for ID. It is NOT to protect us the consumer, but them.

I have this outlook that they are only matching names to the card.

HOWEVER, You never know if the store hired that bad apple.

As an earlier poster suggested, they have all your info since you ordered your pizza at home! That is kind of scary. MANY businesses here are doing that, even Arby's chain. I complained to Arbys Int'l., as well as MC but did nothing.

Then I think back when I first started out working nights at hotels when in college. We had ALL your info, as well as card number. Up until around 1999 or so a copy of the card was made front and back. FORTUNATELY 99%+ of people are honest.
GEORGE
QUOTE (Atmosphere @ Oct 29 2009, 12:29 AM) *
So now they have not only your name, address, phone number, and credit card information, but also your driver's license number and date of birth.

Good way to get your identity stolen.

SOME FOOLS INSIST THEY TAKE THEIR ID...even if it is a violation of credit card policy
Grizzly Bear
QUOTE (centex @ Oct 29 2009, 09:45 AM) *
QUOTE (improper_validation @ Oct 28 2009, 05:10 PM) *
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.


NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.




Centex:

1) It is not illegal to refuse to show ID to a store clerk, nor does it make one a "suspect'.

2) A clerk or manager is not allowed to confiscate your card. That would be theft.

3) If a customer refuses to show ID and the store does not honor the card, it is a BREACH OF CONTRACT .
higher180
QUOTE (Grizzly Bear @ Oct 29 2009, 06:57 PM) *
QUOTE (centex @ Oct 29 2009, 09:45 AM) *
QUOTE (improper_validation @ Oct 28 2009, 05:10 PM) *
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.


NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.




Centex:

1) It is not illegal to refuse to show ID to a store clerk, nor does it make one a "suspect'.

2) A clerk or manager is not allowed to confiscate your card. That would be theft.

3) If a customer refuses to show ID and the store does not honor the card, it is a BREACH OF CONTRACT .



It might be a breach of contract, but also charging to use a credit card is a breach as well, but many business still do that practice, so I doubt they care much about breaching the contract.
LBCS
QUOTE (Uncle Leo @ Oct 29 2009, 08:52 AM) *
Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID


Papers, please.
improper_validation
QUOTE (higher180 @ Oct 29 2009, 09:44 PM) *
QUOTE (Grizzly Bear @ Oct 29 2009, 06:57 PM) *
QUOTE (centex @ Oct 29 2009, 09:45 AM) *
QUOTE (improper_validation @ Oct 28 2009, 05:10 PM) *
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.


NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.




Centex:

1) It is not illegal to refuse to show ID to a store clerk, nor does it make one a "suspect'.

2) A clerk or manager is not allowed to confiscate your card. That would be theft.

3) If a customer refuses to show ID and the store does not honor the card, it is a BREACH OF CONTRACT .



It might be a breach of contract, but also charging to use a credit card is a breach as well, but many business still do that practice, so I doubt they care much about breaching the contract.


A chargeback of the fee should take care of that fee pretty quickly.
GEORGE
QUOTE (improper_validation @ Oct 29 2009, 08:18 PM) *
QUOTE (higher180 @ Oct 29 2009, 09:44 PM) *
QUOTE (Grizzly Bear @ Oct 29 2009, 06:57 PM) *
QUOTE (centex @ Oct 29 2009, 09:45 AM) *
QUOTE (improper_validation @ Oct 28 2009, 05:10 PM) *
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.


NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.




Centex:

1) It is not illegal to refuse to show ID to a store clerk, nor does it make one a "suspect'.

2) A clerk or manager is not allowed to confiscate your card. That would be theft.

3) If a customer refuses to show ID and the store does not honor the card, it is a BREACH OF CONTRACT .



It might be a breach of contract, but also charging to use a credit card is a breach as well, but many business still do that practice, so I doubt they care much about breaching the contract.


A chargeback of the fee should take care of that fee pretty quickly.

SAD PART ABOUT THAT...they will just credit your account and NOT even do a charge-back
Grizzly Bear
QUOTE (higher180 @ Oct 29 2009, 09:44 PM) *
QUOTE (Grizzly Bear @ Oct 29 2009, 06:57 PM) *
QUOTE (centex @ Oct 29 2009, 09:45 AM) *
QUOTE (improper_validation @ Oct 28 2009, 05:10 PM) *
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.


NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.




Centex:

1) It is not illegal to refuse to show ID to a store clerk, nor does it make one a "suspect'.

2) A clerk or manager is not allowed to confiscate your card. That would be theft.

3) If a customer refuses to show ID and the store does not honor the card, it is a BREACH OF CONTRACT .



It might be a breach of contract, but also charging to use a credit card is a breach as well, but many business still do that practice, so I doubt they care much about breaching the contract.



So it's OK to sign a contract you fully intend to violate????!!!!!
centex
QUOTE (LBCS @ Oct 29 2009, 08:52 PM) *
QUOTE (Uncle Leo @ Oct 29 2009, 08:52 AM) *
Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID


Papers, please.


Most recent one was a case in Louisiana...they had the laptop in the back of the car along with an encoder. Attentive Home Depot clerk was the one that raised the issue and made the call that resulted in the arrest near Baton Rouge.
Uncle Leo
QUOTE (LBCS @ Oct 29 2009, 08:52 PM) *
QUOTE (Uncle Leo @ Oct 29 2009, 08:52 AM) *
Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID
Papers, please.

Mis-quote. I did not say that.

I don't disagree with it, but I did not say it.


QUOTE (Grizzly Bear @ Oct 30 2009, 04:13 AM) *
So it's OK to sign a contract you fully intend to violate????!!!!!

You've never... ever... "agreed" to something merely as a formality to get what you want knowing full well you had no intention of sticking to the agreement?

Shoot, pushing the envelope is as American as apple pie and hot dogs.
dragonlord
Don't want to beat a dead horse but, does someone have a link to mastercard debit card policies that shows the laws for merchants checking id when a PIN is used?

In other words, I just got back from a smoke shop, I used my mastercard check/debit card with PIN to make the purchase and they asked for my ID. The manager said if I didnt show ID they had the right to refuse service. Working in retail for over 20 years, my understanding is they CANNOT ask for ID when a PIN is used.

I'd like to show them the law in writing, if I am correct. Do different states have different laws for checking ID? I was in California and am now in Washington.


Thanks


improper_validation
QUOTE (dragonlord @ Oct 31 2009, 07:01 PM) *
Don't want to beat a dead horse but, does someone have a link to mastercard debit card policies that shows the laws for merchants checking id when a PIN is used?

In other words, I just got back from a smoke shop, I used my mastercard check/debit card with PIN to make the purchase and they asked for my ID. The manager said if I didnt show ID they had the right to refuse service. Working in retail for over 20 years, my understanding is they CANNOT ask for ID when a PIN is used.

I'd like to show them the law in writing, if I am correct. Do different states have different laws for checking ID? I was in California and am now in Washington.


Thanks

Why did you use a PIN with a debit card?

In any case, did you buy an age restricted item?
dragonlord
QUOTE (improper_validation @ Oct 31 2009, 04:38 PM) *
QUOTE (dragonlord @ Oct 31 2009, 07:01 PM) *
Don't want to beat a dead horse but, does someone have a link to mastercard debit card policies that shows the laws for merchants checking id when a PIN is used?

In other words, I just got back from a smoke shop, I used my mastercard check/debit card with PIN to make the purchase and they asked for my ID. The manager said if I didnt show ID they had the right to refuse service. Working in retail for over 20 years, my understanding is they CANNOT ask for ID when a PIN is used.

I'd like to show them the law in writing, if I am correct. Do different states have different laws for checking ID? I was in California and am now in Washington.


Thanks

Why did you use a PIN with a debit card?

In any case, did you buy an age restricted item?


Because I didnt want to show my ID again for the credit/debit card and it comes straight out of the account if I use my PIN instead of signing.

1st, I'm 50years old, bald with massive grey in my mustache and goatee, but I attempted to show my ID when 1st asking for a carton, but it wasn't taken. I then gave my debit card and was then asked for my id solely for the debit card verification after I asked for them to do debit, not credit.

So being carded wasn't the issue. Even the manager told me specifically it was store policy to ask for ID for a card and it was also for my safety in case someone had stolen my card and had the PIN number.

higher180
QUOTE (Grizzly Bear @ Oct 30 2009, 05:13 AM) *
QUOTE (higher180 @ Oct 29 2009, 09:44 PM) *
QUOTE (Grizzly Bear @ Oct 29 2009, 06:57 PM) *
QUOTE (centex @ Oct 29 2009, 09:45 AM) *
QUOTE (improper_validation @ Oct 28 2009, 05:10 PM) *
QUOTE (centex @ Oct 28 2009, 06:05 PM) *
QUOTE (improper_validation @ Oct 28 2009, 04:54 PM) *
QUOTE (higher180 @ Oct 28 2009, 01:58 PM) *
I personally have no problem showing ID when asked, I know they are just trying to save themselves from fraud. Plus, I have had my indentity stolen and people have written checks in my name WITHOUT ID and places like pizza hut accepted them. Now, I show ID whenever I use my debit card.


Every merchant is required to accept V/MC without ID. With checks, they decide. Fraud is the cost of doing business.

Sign the card, use as credit and you aren't liable.


oh yay...another zero liability fan who apparently has never had to try and undo the damage created by fraud. Get back to us on that when you have to undo nearly $200K in losses...


I don't use debit if you're referring to that at all.

If somebody steals each and every one of my cards, maxxes them out, etc., I'm liable for a maximum of $50 on each by law, and $0 by the issuers advertising.

If they don't live up to the law, they can speak with my states BCCP(Consumer Credit Protection), if they can't fix it, hello lawyer.


NO, I was NOT speaking of debit. I speak from the personal experience of finding out I was victimized (along with the various lenders) to the tune of roughly $200K. Zero liability did NOTHING towards making me whole.

And for those that claim ID does nothing, much of the loss in my case could have been prevented by ASKING FOR ID. Further, there are a number of federal prosecutions that have come about in other cases PRECISELY because a clerk asked for ID and the actions that followed resulted in arrest soon after the suspect left the store.




Centex:

1) It is not illegal to refuse to show ID to a store clerk, nor does it make one a "suspect'.

2) A clerk or manager is not allowed to confiscate your card. That would be theft.

3) If a customer refuses to show ID and the store does not honor the card, it is a BREACH OF CONTRACT .



It might be a breach of contract, but also charging to use a credit card is a breach as well, but many business still do that practice, so I doubt they care much about breaching the contract.



So it's OK to sign a contract you fully intend to violate????!!!!!


Of course it's not okay to sign a contract you will knowingly violate, I think it's complete crap that they charge a few to use your card, but what enforcement can be brought to the merchant? that's why they push the envelope.
improper_validation
QUOTE (dragonlord @ Oct 31 2009, 08:12 PM) *
QUOTE (improper_validation @ Oct 31 2009, 04:38 PM) *
QUOTE (dragonlord @ Oct 31 2009, 07:01 PM) *
Don't want to beat a dead horse but, does someone have a link to mastercard debit card policies that shows the laws for merchants checking id when a PIN is used?

In other words, I just got back from a smoke shop, I used my mastercard check/debit card with PIN to make the purchase and they asked for my ID. The manager said if I didnt show ID they had the right to refuse service. Working in retail for over 20 years, my understanding is they CANNOT ask for ID when a PIN is used.

I'd like to show them the law in writing, if I am correct. Do different states have different laws for checking ID? I was in California and am now in Washington.


Thanks

Why did you use a PIN with a debit card?

In any case, did you buy an age restricted item?


Because I didnt want to show my ID again for the credit/debit card and it comes straight out of the account if I use my PIN instead of signing.

1st, I'm 50years old, bald with massive grey in my mustache and goatee, but I attempted to show my ID when 1st asking for a carton, but it wasn't taken. I then gave my debit card and was then asked for my id solely for the debit card verification after I asked for them to do debit, not credit.

So being carded wasn't the issue. Even the manager told me specifically it was store policy to ask for ID for a card and it was also for my safety in case someone had stolen my card and had the PIN number.


With debit you are using the debit networks, Visa/MC rules don't apply. If you sign for your purchase, the money still comes from your checking account.

I'd say go back and try to pay with/as credit, if they ask for ID and say it's for card verification, report them.
GEORGE
QUOTE (dragonlord @ Oct 31 2009, 05:01 PM) *
Don't want to beat a dead horse but, does someone have a link to mastercard debit card policies that shows the laws for merchants checking id when a PIN is used?

In other words, I just got back from a smoke shop, I used my mastercard check/debit card with PIN to make the purchase and they asked for my ID. The manager said if I didnt show ID they had the right to refuse service. Working in retail for over 20 years, my understanding is they CANNOT ask for ID when a PIN is used.

I'd like to show them the law in writing, if I am correct. Do different states have different laws for checking ID? I was in California and am now in Washington.


Thanks

Uhhhhhhhhhhhh..........

THE PIN NUMBER IS THE ID
thelowpriceleader
They can ID for PIN-debit. They cannot ID for Credit.

Were you asked for ID immediately upon presenting the card? Or were you asked credit or debit first, then asked for ID?

Try using credit next time and see what happens.
BBQ123
QUOTE (GEORGE @ Oct 31 2009, 11:45 PM) *
QUOTE (dragonlord @ Oct 31 2009, 05:01 PM) *
Don't want to beat a dead horse but, does someone have a link to mastercard debit card policies that shows the laws for merchants checking id when a PIN is used?

In other words, I just got back from a smoke shop, I used my mastercard check/debit card with PIN to make the purchase and they asked for my ID. The manager said if I didnt show ID they had the right to refuse service. Working in retail for over 20 years, my understanding is they CANNOT ask for ID when a PIN is used.

I'd like to show them the law in writing, if I am correct. Do different states have different laws for checking ID? I was in California and am now in Washington.


Thanks

Uhhhhhhhhhhhh..........

THE PIN NUMBER IS THE ID


PIN transactions don't get the zero-liability protection.

Using your PIN makes the charge go over a network like NYCE, Maestro, etc. versus Visa or MasterCard.

In theory, they can ask for ID all they want for a debit card (if it is not a Visa/MasterCard one being used on the Visa/MasterCard networks), but it's not going to do much good if they see the names match and the ID matches the person but you don't have the right pin number.
GEORGE
QUOTE (BBQ123 @ Nov 2 2009, 06:38 AM) *
QUOTE (GEORGE @ Oct 31 2009, 11:45 PM) *
QUOTE (dragonlord @ Oct 31 2009, 05:01 PM) *
Don't want to beat a dead horse but, does someone have a link to mastercard debit card policies that shows the laws for merchants checking id when a PIN is used?

In other words, I just got back from a smoke shop, I used my mastercard check/debit card with PIN to make the purchase and they asked for my ID. The manager said if I didnt show ID they had the right to refuse service. Working in retail for over 20 years, my understanding is they CANNOT ask for ID when a PIN is used.

I'd like to show them the law in writing, if I am correct. Do different states have different laws for checking ID? I was in California and am now in Washington.


Thanks

Uhhhhhhhhhhhh..........

THE PIN NUMBER IS THE ID


PIN transactions don't get the zero-liability protection.

Using your PIN makes the charge go over a network like NYCE, Maestro, etc. versus Visa or MasterCard.

In theory, they can ask for ID all they want for a debit card (if it is not a Visa/MasterCard one being used on the Visa/MasterCard networks), but it's not going to do much good if they see the names match and the ID matches the person but you don't have the right pin number.

THAT IS THEIR PROBLEM
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