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Lucky225

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  1. As I told you before, you don't have to buy anything. Just report them to all 3 (if they accept Amex) for what they did. Making another visit is not a condition of reporting. I actually DID report the business to the sites, many months ago. Had my receipt, etc. And while I can say that my attitude on tips has changed a bit, as a server at an upscale Italian restaurant (ever heard of Bertucci's? http://www.bertuccis.com is the site,) I think that their sign remains up. (I was there a few months ago, I think it was still up.) IIRC, what "got" me is how they are so cheery and happy about asking for I.D., and have witty and reasoned retorts for when you say that the VISA POLICY DOESNT ALLOW THAT. Of course, they ignore you.. And of course, yeah, I show my I.D... though I stopped carrying it in my wallet, and I only put my I.D. on the off-chance they ask. (Not as many have been asking for it lately. And, though I work fast food and how I know that we can get in trouble if someone uses a stolen card at our restaurant and we can get in trouble if it is determined that said stolen card was able to successfully be used at our restaurant, I'll bet everyone would be asking everyone for I/D/ then until it got old and then they didn't again, it is all cyclical, I believe in the rights of the creditholder. I could go anywhere I want for pancakes. I believe that the consumer has choices. Of course, the reason I went back to THERE is because they are SO good.. I had to decide if the I.D. issue would keep me away. At least once after this encounter, it did not.) To the OP "of course yeah I show it" ----- read my posts above. I do NOT show my ID, especially when I'm at a restaurant. I already ate the meal, what recourse do they have if I refuse to show ID. If they expect to be paid for a meal I just ate, their option is to accept and honor the form of payment I present, which I reasonably expected before I ate they would accept as they have CC logos plastered on the door and window outside their business, or they don't get paid. If the cops come the onus is on them to prove I was defrauding an innkeeper, an element of that crime is the intent not to pay. I had every intention of paying, they refused to accept a valid form of payment they advertise as accepting. Edit: One time Denny's throughout Colorado Springs/Pueblo area owned by the same franchise was doing this, they threatened cops too, some couple overheard it, said it was Geronimo themselves and paid for my meal in Cash(I tried to get contact info to repay them, but they said don't worry about it they're never eating here again because it's ridiculous - I was pretty shocked considering most of the sheeple just comply) After that situation I emailed Denny's corporate and have never had an issue there after. IHOP on the other hand didn't care, and so they no longer get my business.
  2. LOL yeah she even rolled her eyes, that's why I posted that one first. Most places backdown quite immediately. I have not been asked for ID with my CC since at least 2013 however, kind of surprised places are still doing that. Interestingly though I heard Walmart is collecting CVV info on purchases over $100 in some areas, hasn't happened to me yet I'm waiting to see that happen. The whole point of cvv was that it is NOT collected at POS and is an additional verification for online purchases that would not be available to someone who attacked a POS. I'm fairly sure you don't need to provide CVV at retail POS. I also want to see if '000' works when they do ask.
  3. Yeah, that is the goal! During training (and subsequent retraining) I usually give examples like this: "If that's credit, I'll just need to check the signature on the back" And then if not signed or "See ID" "Oops, your card isn't signed, do you have ID with you?" If someone addressed me like that, I would happily, HAPPILY comply! But what this IHOP did was "Oh, may I see some I.D.?" Sure. OFFICER... I am gonna get some pancakes again so I can report that flowers. I no longer frequent IHOP - this is my story: http://consumerist.com/2008/04/23/ihop-threatens-to-call-the-police-because-you-refuse-to-show-id-with-credit-card/
  4. Been a while since I made a post here Here's my blog post on the issue: https://lucky225.wordpress.com/2012/08/20/credit-cards-photo-id-why-i-refuse-to-show-my-photo-id-for-card-transactions-and-how-to-actually-prevent-fraud/ Here's what I do when asked for ID from my youtube channel: youtube.com/thelucky225 Ace hardware Pizzahut Walmart Gamestop Panda Express If you go to the Rio you'll see this sign no longer appears at any of their cashiers any more as of 2 years ago when they tried to ask me for ID
  5. Lucky225

    7-Eleven

    My wife & I went to 7-11 today and purchased about $50 worth of items today for the first time on my Paypal Mastercard, and the register prompts present CARD & ID. I hand the card, the rep looks at the signature stripe and hands it back to me, my wife mentions "Oh he's doing it right". The clerk says "What? I'm doing /what/ right?" (I had previously trained this clerk that he can't require ID when the back of the card is signed for a different MasterCard about 2 days ago unbeknownst to my wife), he then asks for the card again, this time to key in the last 4 digits which the register prompts the first time the card is used at a particular 7-11 or if so many days have past since the last use. My wife looks at me and asks me and the clerk what he needed the card for a second time, we both almost at the same time reply, to key in the last 4 digits. She's all why does it make you do that? The clerk says he doesn't know, it's some security measure. I explain to the clerk and my wife, it's so people can't re-write the magstripe on their OWN credit cards with someone else's credit card details, you see when the clerk keys in the last 4 digits embossed on my card the register is checking to make sure that's the same last 4 digits of the account that it's about to obtain an authorization on, if it isn't then most likely the cardholder has re-wrote the magstripe with someone else's stolen credit card data and is trying to make a purchase on that card. I swear the clerk must think I either work for MasterCard or I am a credit card thief after that profound statement, but hey, there's a reason you can't ask for ID, because the physical card it's self is what the clerk is supposed to be checking, they're supposed to ensure all of the security features are present on the card, the card is signed and signature on pad/receipt match, card is not expired, and the last 4 digits displayed on the register match what was swiped. So long as all these steps are made, MasterCard guarantees payment on an approved transaction, hence why ID is not required.
  6. It seems to be a hot topic and if you check my old posts, I've had these principles for quite a while. I just recovered my account tonight because I got bored so I figured I'd share my adventures with you. http://www.youtube.com/embed/RtNoYR4K-Lg http://www.youtube.com/embed/kUbDwFSVRfg http://www.youtube.com/embed/mMAZp7eXSzM http://www.youtube.com/embed/PP3gc9TemHY http://www.youtube.com/embed/JoAa-Kkmb8U http://www.youtube.com/embed/TFEys7RvcLg Youtube channel is http://www.youtube.com/thelucky225 I'll upload more vids as I encounter situations.
  7. I can articulate this rather easily. When I got married I took my wife's name. I immediately got a driver license over the counter in Arkansas the same day I was married with the new name and had surrendered my old license with the old name. My credit cards however, they still had the old name until new ones arrived in the mail. Therefore every time I tried to use my credit card the merchants in the area would try to ID me, and I did not have ID that matched, and retailers were denying me purchases, even if I offered ID. It began to tick me off, I wasn't about to carry around my marriage license and a bunch of other stuff just to make a credit card purchase, I looked up the rules and sure enough these merchants we're breaking them. I decided to stop showing ID ever since, it's caused scenes at restaurants where I've ALREADY ate a meal and am simply trying to pay for it, but I feel it's a matter of principal and educates staff about their responsibility. Another thing that ticks me off is the clerk seems to think because they're the one processing the transaction and you're in front of them that they can assert their pretend authority over you to make you produce something that isn't required. If you're pumping gas, making a purchase online, go through self-checkout at a grocery store, NO ONE IS ASKING YOU FOR ID. The minute you're in front of a clerk however, they seem to think YOUR transaction is different then the person outside pumping gas at the SAME merchant, or more important then the person using their credit card one aisle over at self checkout who chooses to bag their own groceries. And finally, PREPAID CREDIT CARDS OFTEN DO NOT HAVE YOUR NAME ON THEM. This is the nail in the coffin for me, you see if you do a simple google news search for credit card fraud you will find TONS of articles of thieves using FAKE IDs to make purchases on stolen credit cards, the signature stripe on your credit card wasn't RANDOMLY put there, it is there for a reason. Look at the back of your credit card, it states "NOT VALID UNLESS SIGNED", the clerk is supposed to compare the signature on the BACK of the card to that of the signature on the receipt. However, while clerks are busy ASKING FOR and ACCEPTING FAKE IDs from CROOKS, they are NOT checking the signature on the back of valid signed cards, INCLUDING prepaid credit cards that DO NOT BEAR A NAME. So because they're so fixated on a false sense of security (checking IDs), meanwhile someone's prepaid credit card that gets stolen, when they present that to these ID checking clerks, it's like a dear in headlights, they think 'well no name, i guess it's like a gift card ANYONE can use it'. When that's SIMPLY NOT TRUE. If they checked the SIGNATURE of the cardholder on the back of that prepaid credit card, if it didn't match, they could make a code 10 call and find out it's possibly stolen or prevent a fraud from happening. The same is true for stolen credit cards that thieves don't seem to have ANY ISSUE obtaining fake IDs for. Last but not least, YOUR ID CONTAINS YOUR ADDRESS AND ZIP CODE. Most Non face-to-face transactions such as at the gas pump or online REQUIRE your billing address to verify the purchase since your signature can not be compared, almost ALWAYS the address on your ID will be that address. There have been reported cases of clerks using 'pen cams' to record the card number as well as the 3 digits on the back by covertly holding the card up to the pen camera, turning it over to record the cvv # and asking for ID to 'compare the signature on the card to that on an ID', and then using the camera to record the ID info.. The clerk then later makes internet purchases using your CARD and BILLING ADDRESS. So to those of you saying 'they're just looking at it, it's not like they're memorizing it' -- THEY DON'T HAVE TO MEMORIZE ANYTHING WHEN VIDEO CAMERAS CAN BE STORED ON THEM THE SIZE OF A PEN. So to recap: 1) CREDIT CARDS DO NOT ALWAYS BEAR THE NAME OF THE CARDHOLDER (Recent marriage/name change, prepaid credit cards) 2) CREDIT CARDS CAN BE USED AT GAS PUMPS, SELF CHECKOUT, INTERNET ETC WITHOUT ANY INTERACTION WITH THE CLERK WHO THINKS THEY'RE ABOVE YOU 3) CREDIT CARDS HAVE A SIGNATURE STRIPE FOR A REASON, IF MERCHANTS CHECKED TO MAKE SURE CARDS WERE SIGNED, AND COMPARED THE SIGNATURES they might actually stop LOSING charge backs, prevent a fraud, and stop assisting CROOKS with FAKE IDs. 4) SHOWING YOUR ID EXPOSES YOUR PERSONAL INFORMATION, WHICH CAN BE RECORDED EASILY WITHOUT YOUR KNOWLEDGE, AND USED IN CONJUNCTION WITH THE CARD INFO TO MAKE PURCHASES THAT WOULD OTHERWISE *NOT* GO THROUGH.
  8. Back on topic, riding a bike to college is not boarding a plane. I don't generally board planes without ID for jollies, I just happen to know that if you don't have it on you you can board the plane, and have seen people argue with this all the time, even though boarding a plane is a hardly the same as walking around in public and being stopped by police and asked to identify. As far as international travel, passports are STILL not required for Mexico and Canada if you cross the border by a different mode of transportation then flight, and you probably want one if you're going into a country that IS less free then the United States =). My whole argument here is how ill-informed Americans are of their rights, and they are LETTING them get striped one by one, as they believe these things to ALREADY be true. (i.e. ID required on your person at all times.) Ohio HAS already got away with requiring ID from an individual who refused(but had it on him), he was charged with "obstructing justice and investigation." Ohio is a prime candidate for a State that would require ID to be on you at all times, because obviously the people there, law enforcement, and judges, could care less. Editing myself: Case was the Nevada Case, not Ohio, and upon further review only held that the man also refused to identify himself by name, address and dob as well. Something CityBeat was not so clear on in their article http://citybeat.com/2005-08-31/news2.shtml
  9. Off-topic: Thanks for the input, interesting info on Mr. Franklin in deed. "but he quoted from the book when addressing the Pennsylvania Assembly." I think obviously this statement touched him enough that he addressed the Assembly with it. But kudos to Richard Jackson.
  10. Back on topic, riding a bike to college is not boarding a plane. I don't generally board planes without ID for jollies, I just happen to know that if you don't have it on you you can board the plane, and have seen people argue with this all the time, even though boarding a plane is a hardly the same as walking around in public and being stopped by police and asked to identify. As far as international travel, passports are STILL not required for Mexico and Canada if you cross the border by a different mode of transportation then flight, and you probably want one if you're going into a country that IS less free then the United States =). My whole argument here is how ill-informed Americans are of their rights, and they are LETTING them get striped one by one, as they believe these things to ALREADY be true. (i.e. ID required on your person at all times.) Ohio HAS already got away with requiring ID from an individual who refused(but had it on him), he was charged with "obstructing justice and investigation." Ohio is a prime candidate for a State that would require ID to be on you at all times, because obviously the people there, law enforcement, and judges, could care less.
  11. That is untrue. You better have one if you are operating a motor vehicle in any State in the US. Also, try boarding a plane these days if you don't have some form of ID. You can't. are people really this clueless? Lucky225 In addition to hlburi comments (Above) Ohio does require and id to be on your person. They do allow you one time to take a bus or cab without showing ID but you must be going to the DMV to get an ID. Real Id is not talked much here because it boarders political discussion, which is not allowed here. YODEE Careful telling a person to start a thread on Real-Id. Real Id can be mentioned if it is not considered political. Even discussing it here could be consider political. The only reason I brought up Real Id because Lucky225 said there was NO state that requires Id. Ohio does and it is called Ohio Real-Id. SB9, as I believe you are referring to only requires ID for certain acts, and does not require it on your person at all times. From the act it's self: http://codes.ohio.gov/orc/2921.29 As I stated previously, name, dob, and address, verbally. No ID required.
  12. That is untrue. You better have one if you are operating a motor vehicle in any State in the US. Also, try boarding a plane these days if you don't have some form of ID. You can't. are people really this clueless? I was talking about identification cards, not driver licenses, which by the way there are several forms of. (Paper licenses without photo, DL without photo for religious objection, etc.) DL's are just that, Driver Licenses, they weren't intended as a form of identification when they were introduced. By the way, boarding a plane without ID is easy, you simply tell the TSA officer you don't have it, they move you to the front of the line for special screening(since you're obviously a terrorist), and then let you on the plane, so you're wrong on that point.
  13. Are you serious? Is this what America has been reduced to thinking? That they must carry ID on them at all times? You do not need a license to ride a bicycle. There is *NO* law in the United States, in ANY State requiring a person to have identification on them, for any reason. The only thing you are required to tell an officer is your name, address, and date of birth if stopped and questioned in public. Apparently you've never heard of medical ID bracelets. READ HER DAMN POST, HER SCHOOL DOESN'T EVEN *ISSUE* IDs. She said she didn't, and there's nothing requiring her to have it. When the merchant posts Credit Card symbols, the customer is safe to assume they're going to abide by the rules they agreed to when they signed up as a merchant, otherwise if the merchant disagrees, why are they even ACCEPTING credit cards. Safety? SAFETY? She's a young woman, so if some stalker comes and steals her purse, now he has her address to come by and do more harm to her. Speaking of Safety, what was it Benjamin Franklin said? Those who sacrifice liberty for safety, deserve neither. Well, at least this I can agree on with you, but it's her personal choice, and surely would not budge this merchant into accepting her card. What's with all the hostility? I think the poster was just trying to be helpful? Sorry, Issue has been angering me lately, especially after IHOP refused to take my card without ID after I ate, and then called the cops to report theft-of-service, when THEY wouldn't take the card. It's one thing when you take something up to a register since you can choose to shop else-where, but if you don't stand up against these type of policies, it's a slippery slope, that leads to restaurants thinking they can demand it after you've already ate and then enforcing a POLICY(NOT LAW) by filing false reports of theft against you. I've been having this argument on consumerist.com for like the last 2 weeks, and there are a lot of people who seem ill-informed of their rights and what this country was founded on. People literally think ID is something that is required to be carried on you at all times, and "what's the big deal, just flash it, it takes 2 seconds." But when REAL people, who don't have identification on them, are being threatened with arrest for theft, it is a sad state of affairs in this country. The REAL ID ACT will be implemented soon, and I hope to god America wakes up some time and takes this country back. Wow...I can't believe that happened to you. You should do a separate thread on the Real ID Act. I'm curious what that's about. Real ID not much to talk about on the credit forums -- YET. Just National Standardizing of licenses that States will be required to adhere to, if they don't issue "REAL" IDs, that states ID/DL's wont be acceptable forms of ID to board planes, enter federal buildings(possibly post offices, unclear as of now), etc.. The Standards are rumored to require such things as RFIDs, machine readable technology, etc.. IF my state puts an RFID in my DL, I will not be having that thing on my person when I enter buildings, that's for sure, in the car in the glove box surrounded by metal.
  14. Are you serious? Is this what America has been reduced to thinking? That they must carry ID on them at all times? You do not need a license to ride a bicycle. There is *NO* law in the United States, in ANY State requiring a person to have identification on them, for any reason. The only thing you are required to tell an officer is your name, address, and date of birth if stopped and questioned in public. Apparently you've never heard of medical ID bracelets. READ HER DAMN POST, HER SCHOOL DOESN'T EVEN *ISSUE* IDs. She said she didn't, and there's nothing requiring her to have it. When the merchant posts Credit Card symbols, the customer is safe to assume they're going to abide by the rules they agreed to when they signed up as a merchant, otherwise if the merchant disagrees, why are they even ACCEPTING credit cards. Safety? SAFETY? She's a young woman, so if some stalker comes and steals her purse, now he has her address to come by and do more harm to her. Speaking of Safety, what was it Benjamin Franklin said? Those who sacrifice liberty for safety, deserve neither. Well, at least this I can agree on with you, but it's her personal choice, and surely would not budge this merchant into accepting her card. What's with all the hostility? I think the poster was just trying to be helpful? Sorry, Issue has been angering me lately, especially after IHOP refused to take my card without ID after I ate, and then called the cops to report theft-of-service, when THEY wouldn't take the card. It's one thing when you take something up to a register since you can choose to shop else-where, but if you don't stand up against these type of policies, it's a slippery slope, that leads to restaurants thinking they can demand it after you've already ate and then enforcing a POLICY(NOT LAW) by filing false reports of theft against you. I've been having this argument on consumerist.com for like the last 2 weeks, and there are a lot of people who seem ill-informed of their rights and what this country was founded on. People literally think ID is something that is required to be carried on you at all times, and "what's the big deal, just flash it, it takes 2 seconds." But when REAL people, who don't have identification on them, are being threatened with arrest for theft, it is a sad state of affairs in this country. The REAL ID ACT will be implemented soon, and I hope to god America wakes up some time and takes this country back.
  15. Are you serious? Is this what America has been reduced to thinking? That they must carry ID on them at all times? You do not need a license to ride a bicycle. There is *NO* law in the United States, in ANY State requiring a person to have identification on them, for any reason. The only thing you are required to tell an officer is your name, address, and date of birth if stopped and questioned in public. Apparently you've never heard of medical ID bracelets. READ HER DAMN POST, HER SCHOOL DOESN'T EVEN *ISSUE* IDs. She said she didn't, and there's nothing requiring her to have it. When the merchant posts Credit Card symbols, the customer is safe to assume they're going to abide by the rules they agreed to when they signed up as a merchant, otherwise if the merchant disagrees, why are they even ACCEPTING credit cards. Safety? SAFETY? She's a young woman, so if some stalker comes and steals her purse, now he has her address to come by and do more harm to her. Speaking of Safety, what was it Benjamin Franklin said? Those who sacrifice liberty for safety, deserve neither. Well, at least this I can agree on with you, but it's her personal choice, and surely would not budge this merchant into accepting her card.

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