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[The Register] Apple asked me for my Bank statements, says outraged reader - Page 6

post #51 of 86
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Quote:
Originally Posted by NihilOC View Post

It is a single transaction that is worth up to £640, I regularly see fraudulent applications from £200 upward so I don't think it is too unreasonable to instigate anti-fraud measures on these purchases.

At the end of the day using stolen card information to buy items on-line is relatively common, and charge backs cost quite a bit to deal with for retailers. It's hardly surprising they flag some transactions and request further information.
Then maybe Apple are in the wrong in this regard, I do not know the legal limits placed on American companies, however I do not believe it is unreasonable to request proof of identity if a transaction is flagged as possibly being fraudulent.
My company operates in the United Kingdom, so breaking federal laws isn't too big a deal for us.

In fact in the UK it is required under anti-money laundering and anti-fraud regulations to have monitoring systems in place for this kind of fraud, and to ensure that client due diligence is carried out where appropriate.

My company still wouldn't insist specifically on a colour photocopy of a passport, but we do often request some kind of photographic ID. We also regularly request bank statements, clients are free to not provide them, but at the same time we are free not to issue them with a loan or refund.


I believe breaking US laws by asking a US citizen for a COPY of their photo id in color would be a problem.

HOWEVER, the boldened part is the same I believe. However, its usually standard policy to walk to the institution in question and show a human being your photo id (they usually require 2 actually) but a color COPY (b and w are ok but only for some things) of it? NEVER.. Thats unheard of. For CC purchases typically the bank will flag you if its unusual or of an unusually large amount and they won't do it. but for a freaking ipad? LOL what is that 800 dollars? unless you were ordering 5 of them it wouldnt even be a blip. Most people that run CC fraud run up 10s of thousands in purchases within a 24 hour period. Not 1 800 dollar iPad. This is ludicrous.


That being said this lady was an idiot to give up her information.
 
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post #52 of 86
There is absolutely a detail missing from her story.

Nonetheless, assuming this is true, it is preposterous behavior by apple. I would laugh at them if they asked me for my bank statements and passport. Are you kidding?
    
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post #53 of 86
Quote:
Originally Posted by Axon14 View Post

There is absolutely a detail missing from her story.

Nonetheless, assuming this is true, it is preposterous behavior by apple. I would laugh at them if they asked me for my bank statements and passport. Are you kidding?

I would probably just troll them by multiplying all the values in my bank statement by ten trillion.
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post #54 of 86
Quote:
Originally Posted by Darkpriest667 View Post

I believe breaking US laws by asking a US citizen for a COPY of their photo id in color would be a problem.

Heh, yeah, for obvious reasons we don't lend outside the UK tongue.gif It's hard enough to get our money back from debtors as it is without them being on the other side of the world.

Quote:
Originally Posted by Darkpriest667 View Post

HOWEVER, the boldened part is the same I believe. However, its usually standard policy to walk to the institution in question and show a human being your photo id (they usually require 2 actually) but a color COPY (b and w are ok but only for some things) of it? NEVER.. Thats unheard of. For CC purchases typically the bank will flag you if its unusual or of an unusually large amount and they won't do it.

We operate purely on-line and over the phone, so we never really see clients in person.

As for CC purchases, in my experience card blocks are somewhat unreliable. I've emptied client's accounts in £50 payments before with no ill effect, and at the same time seen cards get blocked after a single £60 interest payment has gone through.

My experience is with debit cards, but I presume CC companies use similar algorithms to detect fraudulent transactions. We don't accept credit cards very often due to the restrictions on paying off debt with debt, technically I'm fairly certain we aren't supposed to accept them at all.

Quote:
Originally Posted by Darkpriest667 View Post

but for a freaking ipad? LOL what is that 800 dollars? unless you were ordering 5 of them it wouldnt even be a blip. Most people that run CC fraud run up 10s of thousands in purchases within a 24 hour period. Not 1 800 dollar iPad. This is ludicrous.

I've seen strings of £200-£400 loan applications come through before, all from the same IP address or with duplicate data on, so I don't think a purchase with that high a resale value is "below" criminals. In these kind of cases I also doubt they limit the purchase to one item on one site. Personally I'd spread it over a few, with relatively high values on each, until the bank block the card.

I don't really work in retail though, so my experience of that kind of fraud is pretty limited. But I still believe it makes sense to have similar anti-fraud measures in place in that industry, and whilst requesting a colour copy might be illegal in the US I do not think asking for a B&W photocopy would be unreasonable.
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post #55 of 86
This is almost as funny as Paypal asking for my Social Security Card scanned to them to make sure I was who I said I was.

I told them to go pound sand, there's no way I'm sending you that. Then they authorized my account for withdrawals.

Where these companies get off beats me.
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post #56 of 86
Damn thats kinda sneaky.
post #57 of 86
I don't care what Apple's intentions where, asking someone for that info to be sent over email is just plain dumb...sure, Apple is not likely to ever do anything evil with it, but that's besides the point. If those who are saying they wouldn't care if put in the same position, I guess you also wouldn't have an issue with making paper copies of said documents, and then folding them into paper airplanes and flying them off the nearest high rise...for anyone to come across and do with as they please...or would you?
post #58 of 86
Quote:
Originally Posted by Aaron_Henderson View Post

I don't care what Apple's intentions where, asking someone for that info to be sent over email is just plain dumb...sure, Apple is not likely to ever do anything evil with it, but that's besides the point. If those who are saying they wouldn't care if put in the same position, I guess you also wouldn't have an issue with making paper copies of said documents, and then folding them into paper airplanes and flying them off the nearest high rise...for anyone to come across and do with as they please...or would you?

The evil part was asking, then having the gaul to request it via email.
 
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post #59 of 86
Raukuten aka Buy.com did this to me the other day for an order I placed... Needless to say, I told them F off and they canceled my order thumb.gif

http://www.rakuten.com/ccalt.htm
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post #60 of 86
Quote:
Originally Posted by davidtran007 View Post

Raukuten aka Buy.com did this to me the other day for an order I placed... Needless to say, I told them F off and they canceled my order thumb.gif

http://www.rakuten.com/ccalt.htm

What exactly were you concerned about?

*EDIT: Scratch that, seems that site has issues with fraud in the US. Looks like its a problem with someone that has access to stored card information.

Odd that they can't catch the person or people doing it, most companies keep a log of when full card data is viewed and who it is viewed by.
Edited by NihilOC - 5/15/13 at 2:52pm
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