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Featured Listener Comments Section: Contents List |
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Listener: Pratt on Texas
Category: General
Date: 06 May 2008
Time: 13:33:23 -0700
Remote Name: 69.6.174.166
I told you so:
http://consumerist.com/5007910/visa-officially-says-stores-cannot-deny-purchases-if-you-dont-show-id
From the above site:
We've done a bunch of posts on how it's a
violation of their credit card merchant agreements to ask for additional ID in
order to complete a purchase. An IHOP threatened to call the police on one
reader when he wouldn't show additional ID. A Walmart tried to hold a man's ID
and credit card hostage. Debate erupted amongst Consumerist commenters. Like a
scythe through ripe wheat, here is an official VISA statement on how stores
can't do this, unless the credit card itself is unsigned:
Merchants may not refuse to honor a Visa card simply because the cardholder
refuses a request for supplementary information. The only exception is when a
Visa card is unsigned when presented. However, "See ID" is not considered a
valid signature. In these situations, a merchant must obtain authorization,
review additional identification, and require the cardholder to sign the card
before completing a transaction.
To report any merchant practices that you feel are inappropriate, please notify
the disputes area at the financial institution that issued your card account.
Your card issuing bank has access to the appropriate Visa rules and regulations
as well as to the Notification of Customer Complaint forms which should be used
by your bank to document and file merchant complaints.
As an alternative, you may contact the Global Customer Care Services to report
merchant practices that you feel are inappropriate. Please contact the Global
Customer Care Services at 1-800-VISA-911 (1-800-847-2911). Please advise them
that you were referred to file a complaint. The staff will be able to initiate a
complaint form over the phone.
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