Reader W writes in in response to the so-called “retail manager” who said that credit card companies require video proof of cashiers checking ID.
That quote is absolutely wrong. I worked for [redacted] for 3 years as their Merchant Fraud Control Analyst, and now I work for a retail company handling all chargeback situations. Basically, if someone disputes a charge for any reason then I’m the person the bank/Amex gets in touch with.
My point is, look at the attachment this is what a retailer gets in fraud case from Amex (for MC and Visa its not much different). No where does it say proof of ID…and how the heck would one send video in the allotted time anyway? Just thought you guys would like a copy of the real thing.
(ed. note —We redacted the hell out of this document.)
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@eskimo81: I don’t doubt that you got stuck with a charge from Visa. But I do doubt that it’s as simple as you say.
How would they know it doesn’t match “the real signature”? No credit card company has ever seen the signature on my card. You get the card, you sign it, and put it in your wallet. The only signatures they have from me are the ones on receipts.
And how do you know the card was fake? I could get my card and sign it “George W. Bush”. I’d be an asshole, but it’s a real card. The signature is invalid, and you’re expected to notice that it doesn’t match the name on the card.
I won’t call you any of the names you mentioned, but I might report you to Visa.
Meh. I don’t understand why Consumerist posts those “Confessions of…” letters anyway. 90% of the information is painfully obvious, and the other 10% is a mix of either corporate flag-waving, biased opinions, beseeching the rest of us to act a certain way in a certain situation, etc. etc. Every so often, I will find a bit of useful information, but not really.
Maybe I’m just bitter because I’ve always considered writing, ‘Confessions From Behind the Pharmacy Counter’. It would be one sentence long: “Don’t complain about waiting for your prescription, it’s better than the alternative.”
Oh, okay, I’d throw in a second sentence. “Medicare Part D makes my life and your life a living hell.”
@Michael Belisle:
According to people at [creditboards.com] it is actually easier to report them to MasterCard. They let you do it online: [www.mastercard.com]
OT: I like the new layout but now the Greasemonkey script isn’t working.
Uh, I think Consumerist is missing the real story here. Who cares if ID is required by AmEx or not? Even if a credit card company doesn’t require it, that doesn’t mean a vendor can’t ask for ID.
But screw that.
An employee of a retail company who is authorized to handle sensitive and personally identifying information for customers released such data, clearly without authorization, to the Consumerist. Which promptly released it to the Internet at large.
1) That violates the terms of service the merchant has with AmEx, as well as the Payment Card Industry standard for keeping customer payment card information secret.
2) Depending on the state the retail employee is in, this may violate Federal laws. At the very least, it violates New York’s Data Breach Notification law (unless Consumerist has notified the customer who’s information was in that statement).