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enigma

George - Walmart demanding ID

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When I was in high school (yeah that was about 15 years ago) I was a cashier in a hardware store--we ALWAYS had to check the id if the purchase was more than a certain amount. (I remember a few minor grumblings--nothing major.)

 

I have read several times where George says this is illegal--can he point us to the law that prohibits this?

 

I have a family full of lawyers--and I love it when I can provide THEM with some education.

VISA and MASTERCARD PROHIBIT IT...

 

People will give me MORE ATTITUDE THAN THEY ALREADY HAVE if I post it again...

 

People can ask "WHAT IS PG???" like 30 times per week but the people who FOLLOW THE RULES AND SIGN THEIR CARD ARE THE BAD GUYS!!!

 

I would agree to asking 100% of the customers for ID 100% of the time...CONDITIONAL on people not leaving their ID in the car...and the credit card would not have a signature strip on it...

 

IT WOULD HAVE TO BE EFFECTIVE ON A GIVEN DATE LIKE SAY 01/01/2006 @ 00:01 am

 

IT WOULD HAVE TO BE THE LAW AT 100% OF THE BUSINESSES THAT CREDIT CARDS

 

CID

SEE ID

SEE LICENSE

 

ARE NOT VALID SIGNATURES

 

"CARD IS NOT VALID UNLESS SIGNED"

 

Excellent--I like the way you think--

 

but please give me a link to the LAW.

 

(I have an attorney sitting here beside me right this minute, who says that yes--checking id is against the stated POLICY of Visa and Mstercard--but that does not make it illegal. He claims that STORE policy trumps the policy of the card provider in this instance--after all--the store owner could "eat it" if the card was stolen.)

 

You say 100% illegal--please cite the law that makes this illegal me so that I can ram it in this lawyers face.

 

I think the main problem is them adding additional surcharge on the transaction.

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Guess where I went tonight.

WALMART!

I paid by credit card  $142.37 and I was asked for my I.D. and I showed it.

I thought about this thread the whole time!

 

So George are the Cashiers trained that they're not supposed to ask for ID?

COMPARE SIGNATURE ON THE CARD WITH THE SIGNATURE ON THE SLIP

 

NO SIGNATURE ON THE CARD or SEE ID or CID or SEE LICENSE--REQUEST LICENSE BECAUSE OF A NOT SIGNED CARD

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Visa rules for merchants are here:

 

https://direct.53.com/help/53express/rules.pdf

 

 

From Mastercard merchant manual:

 

http://www.mastercardmerchant.com/docs/acc...chant_rules.pdf

 

9.11.2 Cardholder Identification

A merchant must not refuse to complete a MasterCard card transaction solely

because a cardholder who has complied with the conditions for presentment

of a card at the POI refuses to provide additional identification information,

except as specifically permitted or required by the Standards. A merchant may

require additional identification from the cardholder if the information is

required to complete the transaction, such as for mail order, telephone order,

or electronic commerce transactions.

 

9.12.2 Charges to Cardholders

A merchant must not directly or indirectly require any MasterCard cardholder

to pay a surcharge or any part of any merchant discount or any

contemporaneous finance charge in connection with a MasterCard card

transaction. A merchant may provide a discount to its customers for cash

payments. A merchant is permitted to charge a fee (such as a bona fide

commission, postage, expedited service or convenience fees, and the like) if

the fee is imposed on all like transactions regardless of the form of payment

used.

• A surcharge is any fee charged in connection with a MasterCard transaction

that is not charged if another payment method is used.

• The merchant discount fee is the fee the merchant pays to its acquirer to

acquire transactions.

 

 

 

9.12.3 Minimum/Maximum Transaction Amount Prohibited

A merchant must not require, or post signs indicating that it requires, a

minimum or maximum transaction amount to accept a valid MasterCard card.

THANKS FOR DOING MY HOMEWORK JOB I WAS ASSIGNED!!! (I guess it was MY homework)

 

Not a problem George.

 

I am sorry that I even started this thread. Should have just PM'd you. :D

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Visa rules for merchants are here:

 

https://direct.53.com/help/53express/rules.pdf

 

 

From Mastercard merchant manual:

 

http://www.mastercardmerchant.com/docs/acc...chant_rules.pdf

 

9.11.2 Cardholder Identification

A merchant must not refuse to complete a MasterCard card transaction solely

because a cardholder who has complied with the conditions for presentment

of a card at the POI refuses to provide additional identification information,

except as specifically permitted or required by the Standards. A merchant may

require additional identification from the cardholder if the information is

required to complete the transaction, such as for mail order, telephone order,

or electronic commerce transactions.

 

9.12.2 Charges to Cardholders

A merchant must not directly or indirectly require any MasterCard cardholder

to pay a surcharge or any part of any merchant discount or any

contemporaneous finance charge in connection with a MasterCard card

transaction. A merchant may provide a discount to its customers for cash

payments. A merchant is permitted to charge a fee (such as a bona fide

commission, postage, expedited service or convenience fees, and the like) if

the fee is imposed on all like transactions regardless of the form of payment

used.

• A surcharge is any fee charged in connection with a MasterCard transaction

that is not charged if another payment method is used.

• The merchant discount fee is the fee the merchant pays to its acquirer to

acquire transactions.

 

 

 

9.12.3 Minimum/Maximum Transaction Amount Prohibited

A merchant must not require, or post signs indicating that it requires, a

minimum or maximum transaction amount to accept a valid MasterCard card.

THANKS FOR DOING MY HOMEWORK JOB I WAS ASSIGNED!!! (I guess it was MY homework)

 

Not a problem George.

 

I am sorry that I even started this thread. Should have just PM'd you. :D

I ENJOYED IT---although I don't like to be FLAMED or the [TROLL] WANT-A-BEES

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GEORGE,

 

You still have failed to provide any law that states it was illegal what was done.  What was posted/link was MC/Visa agreement NOT case law.  If you're going to say things as FACT back it up, not get cocky and rude.  Again provide the law that shows it is illegal.

 

Harlock

 

 

In my NOT very humble opinion this has gone on long enough this tirade against GEORGE.

 

And MY OH MY how quickly one jumps to conclusions!

 

Let me point out one definition for the word LAW:

 

A rule of conduct or procedure established by custom, agreement, or authority.

 

In this instance I believe GEORGE to be correct as the AGREEMENT in place between the merchant and MC/VISA would constitute LAW.

 

The world Law may also refer to a piece of enacted legislation.

 

I personally find this unbridled tasking of GEORGE to be offensive, rude, and bothersome.

 

It appears some of our board members need to do THEIR homework instead of asking GEORGE to do it for them!

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MOD, PLEASE DELETE MY MULTIPLE POSTS, THE SITE SAID "NO PAGE TO DISPLAY"

 

OOPS AND SORRY

 

 

 

 

 

 

 

 

I would just show id.  Trust me I don't like the inconvenience.

 

 

Now what I do mind is when I am driving down the freeway and get pulled over show license,  registration,  insurance then asked to get out of car for no reason.

 

Now asked everything all over again where are you going coming from just third degreed.  And the whole time given dirty looks.  Boy was it called outside.  My back was killing me and I have nerve damage in legs, so, standing kills me.  Now wants to know why I can not stand still and keep bending over and I am gettig upset with him.

 

I tell him I gave you everything you wanted and I you draged me out of my car for no reason and I told him just search my car if you want.  Made me sign some paper and had to wait 15 more minutes for backup???????

 

Now I have no record.  Was not drinking or drugs.  Was not speeding. Car legal in everyway.  So,  How would you like that?

 

 

I forgot he decided to have me lift my shirt and pant legs to look for tattoos and scares

He even sees a vacum in the back seat and asked me who's it was and why did I have it.

 

NOW thats something to be upset about. :blink:

 

I forgot I was pulled over for 1 of my license plate lights was out. All that an hour of my life.  Why?   ;)  Now I felt Insulted

 

You must live in Mesa

 

 

 

 

 

EDITED by Sassy -- they're gone, Sharkey, thanks for advising of the error message.

Edited by SassyinAz

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They ask for ID for THEIR PROTECTION. They could care less about us as the customers, espeically Wal*Mart. All Wal*Mart cares about is the bottom line, sending all the American jobs to China by gobbling up all the cheap Chinese goods in sight.

 

If your card WAS STOLEN, then the CC company would not honor the $50 charge you made, or whomever had your card made. Who is going to lose the $$ here, Visa or the merchant (Wal*Mart) in this case? In addition, that $50 can buy about 1,000 t- shirts from Shanghai produced is some sweatshop.

 

I show ID depending on the amount, and how reasonable the request is. If I am buying something over $2K then maybe so. If I am buying groceries at the grocery store, then no. If they cannot trust me, or if I am treated in that manner, I will just choose to shop somewhere else from that point forward.

Edited by hinklesc

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GEORGE,

 

You still have failed to provide any law that states it was illegal what was done.  What was posted/link was MC/Visa agreement NOT case law.  If you're going to say things as FACT back it up, not get cocky and rude.  Again provide the law that shows it is illegal.

 

Harlock

 

 

In my NOT very humble opinion this has gone on long enough this tirade against GEORGE.

 

And MY OH MY how quickly one jumps to conclusions!

 

Let me point out one definition for the word LAW:

 

A rule of conduct or procedure established by custom, agreement, or authority.

 

In this instance I believe GEORGE to be correct as the AGREEMENT in place between the merchant and MC/VISA would constitute LAW.

 

The world Law may also refer to a piece of enacted legislation.

 

I personally find this unbridled tasking of GEORGE to be offensive, rude, and bothersome.

 

It appears some of our board members need to do THEIR homework instead of asking GEORGE to do it for them!

 

There was no tirade against GEORGE from me. He stated it was illegal and I wanted him to show where it was. His reponses from other(s) asking the same thing was as follows.

 

I HAVE TO GO TO WORK...

 

I CAN'T DO YOUR HOMEWORK RIGHT NOW!!!

 

YOU NEED TO DO YOUR OWN HOMEWORK!!!

 

I HAVE A JOB TO GO TO!!!

 

WANT-A-BE [TROLL]

 

 

 

I never insulted him personally, I did say he should not be rude.

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They ask for ID for THEIR PROTECTION. They could care less about us as the customers, espeically Wal*Mart. All Wal*Mart cares about is the bottom line, sending all the American jobs to China by gobbling up all the cheap Chinese goods in sight.

 

If your card WAS STOLEN, then the CC company would not honor the $50 charge you made, or whomever had your card made. Who is going to lose the $$ here, Visa or the merchant (Wal*Mart) in this case? In addition, that $50 can buy about 1,000 t- shirts from Shanghai produced is some sweatshop.

 

I show ID depending on the amount, and how reasonable the request is. If I am buying something over $2K then maybe so. If I am buying groceries at the grocery store, then no. If they cannot trust me, or if I am treated in that manner, I will just choose to shop somewhere else from that point forward.

WAL*MART BASHING AGAIN!!!

Edited by GEORGE

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No kidding this has gotten ridiculous....simple solution...if you don't like Walmart don't shop there.

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Could we please have as a MINIMUM a modicum of decency and respect for others on this board.

 

The wal*mart bashing needs to stop!

 

This is creditboards where we all try to help one another.

 

***************SIGH***********************

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George said on page 1, 100% illegal, followed by against credit card policy and the law in many states.

 

The law was requested, GB provided a link, for those states that are applicable.

 

The policy was requested, Enigma provided it for visa and mastercard.

 

Fair enough to ask for confirmation, it's been received. I'll copy all the links into the consumer protection forum in the morning, for the next time it comes up.

 

Sharnese was warned in this thread for multiple personal attacks.

 

George doesn't speak for Walmart and it's not fair to put him in this spot.

 

Hink, you have nothing nice to say about Walmart even, don't shop there and your mother gave you good advice, I am sure, if you don't have anything nice to say, don't say it at all. You've been warned on this topic before.

 

Anyone needing or wanting further clarification only need to click on the links provided.

 

This thread is closed for general ugliness, all around.

 

Ho ho hoooooooo, passing out the candy canes and going to sit on santa's lap.

 

Sassy

Edited by SassyinAz

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