Credit Card Dispute

[Blu350z]

Ok, so I work at a retail store and recently we have been receiving a bunch of credit card disputes, we check ids and everything. Purchases are being disputed about a month or 2 later after it was bought, even more. To me this seems fishy since they should have disputed the stuff around the same time since normal people check their credit cards and stuff almost everyday.

Or am I missing something? I never made a dispute ever, do you dispute something and takes the credit card a while for it to reported to the retailer or what?

[jkwest]

Christmas blues kicking in...

[tommyboy81]

Whatever I purchase go directly to my card at that time unless it's gas and that takes 2 days. On my debit card that is. But using it as a credit card takes a day

[Blu350z]

It's just frustrating because I know I check ids, but then managers go say that we don't is annoying, I check ids before they swipe manager ask for id after they swipped and the thing went thru.

[fatediesel]

It is against Visa's rules to ask for ID and doing so could lead Visa to stop allowing your business to use their cards. http://redtape.msnbc.com/2007/12/data-collection.html

[Beta Man]

Originally Posted by Blu350z

normal people check their credit cards and stuff almost everyday.

I guess I'm not normal..... I get the bill, stroke a check for a couple hundred more than the total (To get a head-start on next month ) and toss the "evidence"


As far as disputing.... I disputed $2,200 once because an airline didn't honor their refund policy...... I never saw one dime from it.

EDIT:

and as far as checking IDs..... It'd break a forum rule if I took a picture of what I wrote on the signature line on the back of my Best-Buy card..... (I've since canceled it) because those people irritate me so badly when making what I consider "Normal" purchases.

[Diablo829]

Originally Posted by Blu350z

Ok, so I work at a retail store and recently we have been receiving a bunch of credit card disputes, we check ids and everything. Purchases are being disputed about a month or 2 later after it was bought, even more. To me this seems fishy since they should have disputed the stuff around the same time since normal people check their credit cards and stuff almost everyday.

Or am I missing something? I never made a dispute ever, do you dispute something and takes the credit card a while for it to reported to the retailer or what?

I guess I'm not normal either. I check my charges when the statement comes the following month. If there's a dispute, it's not too late to dispute it. When I have disputed it only takes about 10 days or so for them to come back to you. You then have to fill out some paperwork, send it back to them. So yeah, it could take a little bit of time.

[Clark Kent]

Originally Posted by Blu350z

Ok, so I work at a retail store and recently we have been receiving a bunch of credit card disputes, we check ids and everything. Purchases are being disputed about a month or 2 later after it was bought, even more. To me this seems fishy since they should have disputed the stuff around the same time since normal people check their credit cards and stuff almost everyday.

Or am I missing something? I never made a dispute ever, do you dispute something and takes the credit card a while for it to reported to the retailer or what?

I have disputed a couple of items I had mail-ordered that never showed up. I gave it a couple of months before disputing it because I thought the items might show up. It is possible your business might be the victim of some criminal ring, though chargebacks seems like real penny-ante stuff. Maybe the economy is forcing people to cheat at the edges a little more.

[STARSCREAM]

That sucks.

[Blu350z]

Well my store is in a shady area. It's werid but it's a coorporate store no money lost to me, just manager nagging at you like a girlfriend or wife on her period asking why you spent money on bluray and crap. Well the signatures have to match the receipts and what not so whatever.

[My_Two_Cents]

Originally Posted by Blu350z

Well my store is in a shady area. It's werid but it's a coorporate store no money lost to me, just manager nagging at you like a girlfriend or wife on her period asking why you spent money on bluray and crap. Well the signatures have to match the receipts and what not so whatever.

And how in the world do you determine that, particularly with electronic pads (which I just scribble on) that you sign? Do you only let folks pay with a credit card that has been signed and then physically compare the signature to the card? Are you qualified to spot forged signatures? Just curious.

Personally, I think you should have to show an ID to use a credit card to prove it is your card. I don't sign mine, I write "ask for ID". That way, unless the crook makes a fake ID to go with your card, you are covered.

How does the store dispute the dispute? Seriously. If you don't have the card-owner on camera making the purchase, then how do you prove the purchase was not made illegally? Do the card companies automatically side with the cardholder?

I've only had on experience with a stolen card. My Visa was never returned to me from a dinner, and I didn't realize it until the next day. I immediately called the bank and every charge made after my dinner was removed from my account. Turns out the waitress stole the card and she and her boyfriend used it to buy dinner later that night, put gas in the car and buy $30 worth of crap at Wal-Mart. I hope it was worth the criminal charges they faced. Idiots.

[nick1091]

Originally Posted by fatediesel

It is against Visa's rules to ask for ID and doing so could lead Visa to stop allowing your business to use their cards. http://redtape.msnbc.com/2007/12/data-collection.html

If that is truly their policy it is a terrible one and rife for abuse. If a merchant wants to verify signature to protect themselves, I do not see what the big deal is. I would happily show my ID to verify it's truly me making the transaction, but I've maybe been asked three times in years of credit card purchases.

I just can't understand why some people huff and puff when they're asked to verify who they are at the point of purchase, then later on, when they're the victims of credit card fraud, bemoan how easy it is for thieves to rack up cc purchases.

And to the OP, do you know what the consumers are saying when they file their disputes? I've known some cc companies to be very aggressive when it comes to dispute claims.

[Blu350z]

Originally Posted by nick1091

If that is truly their policy it is a terrible one and rife for abuse. If a merchant wants to verify signature to protect themselves, I do not see what the big deal is. I would happily show my ID to verify it's truly me making the transaction, but I've maybe been asked three times in years of credit card purchases.

I just can't understand why some people huff and puff when they're asked to verify who they are at the point of purchase, then later on, when they're the victims of credit card fraud, bemoan how easy it is for thieves to rack up cc purchases.

And to the OP, do you know what the consumers are saying when they file their disputes? I've known some cc companies to be very ag
gressive when it comes to dispute claims.

Nah, main office just tells us that there's a dispute, look for the receipt in our file folder and then fax it.

[NJ_RAMS_FAN]

Aslong as their signature on the receipt matches the one on the card, it should be all good. I used to work with this type of stuff. charge backs left and right. My company once had 15 charge backs from one person alone. All had the same signature and it matched what the credit card company had in its database. After we sent the receipts back to the main office, it turned out the person thought he had used a different card..lol... i'm pretty sure you can fight it back..

[Marquoz]

Originally Posted by fatediesel

It is against Visa's rules to ask for ID and doing so could lead Visa to stop allowing your business to use their cards. http://redtape.msnbc.com/2007/12/data-collection.html

When should you ask a cardholder for an official government ID? Although Visa
rules do not preclude merchants from asking for cardholder ID, merchants
cannot make an ID a condition of acceptance. Therefore, merchants cannot
refuse to complete a purchase transaction because a cardholder refuses to
provide ID. Visa believes merchants should not ask for ID as part of their
regular card acceptance procedures. Laws in several states also make it illegal
for merchants to write a cardholder’s personal information, such as an address or
phone number, on a sales receipt.

Visa doesn't say you can't ask them for ID, just that they prefer them not to. Whoever wrote that article didn't do a good job of stating it factually. It just says that the merchant can't refuse to accept the purchase with no ID.

It also discusses writing "Ask for ID" on the back of the card, and how the merchant should refuse to accept the credit card until it is properly signed. Wierd rules.

[beefytwinkie]

At my parents' place of business, we used to get a few disputes a year. The BS about it is that no matter what, as long as there is a dispute, the credit card company charges us a $20 dollar fee. After a bunch of chargeback disputes we started to ask for a government ID (driver's license or passport).

I guess we are breaking the rules, though, according to what I've read. No ID, no sale. And not only do we ask for the ID, we write the ID number down on the credit card sales receipt. That's probably against the rules of Visa and Mastercard but guess what? Ever since we started writing down the ID numbers, we have gotten ZERO disputes.

Visa and Mastercard can kiss my ass with their rules. We're going to keep doing that until we get a formal complaint and letter telling us to stop. Haha no, wait, we will do that anyway and keep doing it until Visa and Mastercard ban us. I've had a couple of customers ***** and moan when they see me writing down their information on the receipt but you know what? They can all go to hell - our customers and the credit card companies.

[SHines-IT]

Originally Posted by beefytwinkie

They can all go to hell - our customers and the credit card companies.

Just tell them your doing this for your and mind protection. You moaning and complaining makes me suspicious this card is stolen and this I.D. is fake.

[fatediesel]

While I personally don't have a problem showing ID I understand that the risk of identity theft is much higher if a person could get all the personal information of a customer to go along with a credit card number. If a shady cashier had a hidden camera and got a picture of the ID and credit card then they would be able to use the card online much easier as they would have the billing address information as well as the card number.

[jw]

Originally Posted by fatediesel

While I personally don't have a problem showing ID I understand that the risk of identity theft is much higher if a person could get all the personal information of a customer to go along with a credit card number. If a shady cashier had a hidden camera and got a picture of the ID and credit card then they would be able to use the card online much easier as they would have the billing address information as well as the card number.

happened at best buy

[FIDDYPOP]

I never understand why people get so pissy about checking ID's, it is for your own protection.