Another shopping for expensive item while young and black in NY city except...

[dawheat]

Might be a good idea to wait to see what Macy's has to say. Maybe when his card was run the CC company somehow flagged it?

Fern

That's not how CC processing works - when the merchant tries to authorize the card, the card issuer will either approve it or decline it with a specific code. There's no time the card issuer will approve it and then try to message the merchant again.

All these comments about the merchant being liable, the CC company flagging it, etc are misinformed. If AMEX felt the charge was fraud, the card would have been declined immediately.

 

[cubby1223]

When I've set up credit card processing for websites, the return data from the bank would be that code, and the bank provided a sheet explaining each code, there was a range for "approved" and a range for "declined", and within the "approved" range there were codes for basically how accurate the additionally supplied info was, address, zip code, phone number, security code, etc. Then it's up to the business to decide how it proceeds based on that code.

 

[dawheat]

When I've set up credit card processing for websites, the return data from the bank would be that code, and the bank provided a sheet explaining each code, there was a range for "approved" and a range for "declined", and within the "approved" range there were codes for basically how accurate the additionally supplied info was, address, zip code, phone number, security code, etc. Then it's up to the business to decide how it proceeds based on that code.

Ecomm processing or "card not present" is not the same as in store or card present. For all major card brands in store, if the card issuer approves the he authorization, the merchant receives liability shift as long as they follow the card brand rules.

In all these cases AFAIK, the merchant did receive a successful auth.

 

[SpatiallyAware]

That's not how CC processing works - when the merchant tries to authorize the card, the card issuer will either approve it or decline it with a specific code.There's no time the card issuer will approve it and then try to message the merchant again.

All these comments about the merchant being liable, the CC company flagging it, etc are misinformed. If AMEX felt the charge was fraud, the card would have been declined immediately.

I know that I've been pumping gas and Amex has called be before the pump stopped to make sure the charge was legit. Maybe they would've let that one through but blocked the next one, I don't know, but it's not as though they just stop caring once the card is run through a machine.

Also, I do know that the merchant IS liable, depending on the merchant agreement.

I personally have dealt with this... And the merchant is responsible for checking the signature of the card and questioning whether or not the person running the card is legit.

And the retailer doess 'eat' the cost the vast majority of the time if it turns out to be fraud.

 

[SpatiallyAware]

I still have my doubts that this particular situation is legit. Something just feels off about it.


Some no name actor who has spend all his money on watches and belts needs to get his name in the news.

What better way than have one of his cohorts call the NYPD and say he's from macy's and some suspicious guy ran a fake card?

 

[SheHateMe]

Some no name actor who has spend all his money on watches and belts needs to get his name in the news.

What better way than have one of his cohorts call the NYPD and say he's from macy's and some suspicious guy ran a fake card?

Yea, you said the same thing about the other two people.

Everybody is a liar.



You don't know who he is...so that must mean he's broke and needs attention so he can make money.....

Treme has been on HBO for 4 seasons, he's a main character. I think its safe to say that he is well paid. Stop being a jerk.

 

[fskimospy]

I still have my doubts that this particular situation is legit. Something just feels off about it.

Some no name actor who has spend all his money on watches and belts needs to get his name in the news.

What better way than have one of his cohorts call the NYPD and say he's from macy's and some suspicious guy ran a fake card?

I'm sure you do; a black person is involved.

You aren't even trying to hide your racism anymore, jesus.

 

[SpatiallyAware]

I dunno, I've never heard of treme or this guy. And the show got cancelled a few years ago, according to wikipedia.

My point is that macy's has specifically said they weren't involved with the NYPD. They wouldn't make a broad statement like that unless it was true. I'm sure they've reviewed video footage, talked with security, and they have no reason to lie about this considering the potential backlash.


So... Someone called NYPD. Who is most likely? Who is benefiting from publicity from this?

I'm not saying 100% that the guy or his buds called them, but it does seem to be the most likely scenario.

 

[umbrella39]

Ban

 

[SpatiallyAware]

And I'm not trying to be a jerk. I'm merely looking at this subjectively based on available facts.


And just looking at the hard facts of these cases lately, there's one thing in common.... Neither the stores or CC companies are calling NYPD.



So who, then, is calling NYPD and trying to incite race issues?

 

[SheHateMe]

I dunno, I've never heard of treme or this guy. And the show got cancelled a few years ago, according to wikipedia.

Its coming back for its final season in December, dear.

My point is that macy's has specifically said they weren't involved with the NYPD. They wouldn't make a broad statement like that unless it was true. I'm sure they've reviewed video footage, talked with security, and they have no reason to lie about this considering the potential backlash.

Of course, Macys said they weren't involved...the police magically appeared and accused him of CC fraud.

Of course they have no reason to lie about what happened. No surprise that you believe it to be impossible that Macys would not be 100% truthful...but you automatically assumed that Rob is a liar and then you go even further to say that he probably made up the story because he doesn't have any money and needs attention. Very mature.

I'm not saying 100% that the guy or his buds called them, but it does seem to be the most likely scenario.

No, THAT'S what you're saying.

And I'm not trying to be a jerk.

You don't have to try. You were born this way.



Minorities are liars and Corporations always tell the truth. We get it, 100%.

 

[Orignal Earl]

Snip
You don't have to try. You were born this way.
Snip

I imagine he's had his defensive walls built up around himself at least since kindergarten

 

[Theb]

I still have my doubts that this particular situation is legit. Something just feels off about it.


Some no name actor who has spend all his money on watches and belts needs to get his name in the news.

What better way than have one of his cohorts call the NYPD and say he's from macy's and some suspicious guy ran a fake card?

I'm definitely surprised that you find a black person less than credible.

I also just found out that water is wet.

 

[dawheat]

I know that I've been pumping gas and Amex has called be before the pump stopped to make sure the charge was legit. Maybe they would've let that one through but blocked the next one, I don't know, but it's not as though they just stop caring once the card is run through a machine.

Also, I do know that the merchant IS liable, depending on the merchant agreement.

I personally have dealt with this... And the merchant is responsible for checking the signature of the card and questioning whether or not the person running the card is legit.

And the retailer doess 'eat' the cost the vast majority of the time if it turns out to be fraud.

That was my point about following MC/V/AMEX guidelines such as verifying signature, keeping receipt, etc - all stuff any legit merchant should be doing for every transaction. Please provide a reference that shows that the merchant is liable for an in-store transaction that was successfully authorized and followed card guidelines. Published guidelines clearly state that once the card issuer authorizes a transaction, the merchant is not liable as long as they followed card guidelines.

Your gas example is irrelevant as it certainly can happen that the card company calls the *owner* of the card for verification. Unless the gas station received a call from AMEX asking for further authentication about you, it's not the same thing.

 

[SpatiallyAware]

Maybe it's different now, I'm not involved in retail business anymore. But in the late 90's if a card was used fraudulently and it was the actual card (not a copy) then we were liable for the fraud. Our insurance even covered it.

In other words, the assumption is that the signature or ID (which you aren't supposed to check anyway) must not have matched.

 

[HomerJS]

And I'm not trying to be a jerk. I'm merely looking at this subjectively based on available facts.


And just looking at the hard facts of these cases lately, there's one thing in common.... Neither the stores or CC companies are calling NYPD.



So who, then, is calling NYPD and trying to incite race issues?

Its so obvious the magic police fairy called the NYPD

 

[Londo_Jowo]

So between this thread and the other thread we have learned of three (3) instances of people being profiled/harassed based on their skin color. How many shoppers made purchases during that time frame and even up to now? Hundreds of thousands? Seems like if this was epidemic there would be many more cases being reported/people coming forward.

 

[ch33zw1z]

I personally don't care what stores like Macy's or Barney's do. It's when the police check everything out and still haul people off to jail without reason, then I have a problem.

Don't like what the store treats you like? don't shop there.

 

[Sonikku]

Failing to feel any kind of outrage over this. Maybe if he had been carrying an AR 15 and this happened there'd be an issue.

 

[SpatiallyAware]

I personally don't care what stores like Macy's or Barney's do. It's when the police check everything out and still haul people off to jail without reason, then I have a problem.

Don't like what the store treats you like? don't shop there.

Well they're much more likely to get a settlement out of a retail store.

They don't want to go after the NYPD, have all of the phone records examined, etc etc etc..............

 

[SheHateMe]

So between this thread and the other thread we have learned of three (3) instances of people being profiled/harassed based on their skin color. How many shoppers made purchases during that time frame and even up to now? Hundreds of thousands? Seems like if this was epidemic there would be many more cases being reported/people coming forward.

Why does it have to be an epidemic before its a problem?

So, its okay if this occasionally happens? Nobody should be bothered by it?

Well they're much more likely to get a settlement out of a retail store.

They don't want to go after the NYPD, have all of the phone records examined, etc etc etc..............

You think you're so damn smart....

The other two are most definitely pursing a case against the NYPD. Rob might be, too.

And again, you are accusing them of having friends place calls to the police reporting them for fraud with ZERO proof....but you absolutely don't need proof from Macys or Barneys to determine they are innocent.

Those minorities....always lying.

 

[Don Vito Corleone]

I know this is really really difficult for you to wrap your mind around, but every burnt umber or darker person who is arrested isn't done so by purely due to skin color by raging racist ivory males.

I mean, maybe they teach that in the modern progressive brainwashing schools, I don't know. But it's simply not the case.


It's not 1950. Yes, some small percentage of people are racist. In my honest opinion it's about equal between the rainbow of colors we have around nowadays.




You are not special. You are not being dragged down by everyone around you. These people need to take some accountability, across the board, ALL colors.

So that means there is no such thing as racism, and people are always treated identically as long as their dress and demeanor is the same. Got it.

Did you watch that video? Does he strike you as a "thug," or a person who would have behaved suspiciously?

Since Spidey's ban you seem to have intentionally taken on the mantle of acting as this forum's most ignorant, stubborn simpleton. The breadth of topics on which you insist on saying stupid things is just remarkable. At least Spidey doesn't insist on using all that strange spacing in his posts in an effort to show how "important" they are.

 

[SpatiallyAware]

I have not 'accused' them of anything. On some random forum, bring up VERY likely possibilities is what you need to expect on a topic like this.


I think it's funny how I treat ALL people the same in these situations while you ONLY defend people who look like you....... Yet I'm racist?


Stop being divisive. These attitudes are holding society back.

 

[SheHateMe]

I have not 'accused' them of anything.

You called them liars. You accused them of having their buddies prank call the cops.

You also accused him of hiding key details...like, if he was wearing a hoodie or not.



Those are accusations.

I think it's funny how I treat ALL people the same in these situations

O Rly? This is coming from the person that immediately asserted that Dunn was innocent and that Jordan Davis and his friends had a shotgun (that doesn't exist, mind you).

Why are certain types of people not to be trusted and other types are?

while you ONLY defend people who look like you....... Yet I'm racist?

Lying again.


Let me know when you can find concrete evidence on the forum that I only defend brown people and not anybody else.

 

[HomerJS]

I have not 'accused' them of anything. On some random forum, bring up VERY likely possibilities is what you need to expect on a topic like this.


I think it's funny how I treat ALL people the same in these situations while you ONLY defend people who look like you....... Yet I'm racist?


Stop being divisive. These attitudes are holding society back.

Since virtually any thread you give white people all the benefit of doubt and assume some sort of guilt for black people I guess you think blacks aren't people.