Debt Collection: Know Your Rights.

Angela Reynolds, a 74-year-old widow who lives alone with her little pooch, owes the bank $2,000 when the debt collectors come knocking at her door. What should she do? She turns to Privacy Rights Clearinghouse to learn what her rights are.

LEARN YOUR RIGHTS. Go to www.privacyrights.org and read Fact Sheets 27 and 27a.

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[Eceoes]

I am not saying that your entire website is incorrect, but there are a lot of incorrect things about the website, such as taking state laws out of context, and even going beyond what the actual statement of each contract or law states. There are even links that lead to no where, if your website was so prestigious, wouldn't it at least update the links. I can't show some examples.

[PrivacyToday]

@Eceoes Yes, please share examples of where state laws are taken out of context or go beyond what the actual statement of each contract or law states. You can call to discuss, if that is easier: 619-298-3396.

Again, we are not a legal resource. Our fact sheets are meant for consumers and serve that purpose extremely well.

[Eceoes]

Respond to this video...

Part 4

Finally there are even some links on that certain page in which that the links are not updated at all, it just leads to a "page not found".

Overall, asking for ID is NOT violating anyone's privacy. Stores have a right to ask for ID based on any sale and/or payment, as well as they have the right to refuse sale. 

[PrivacyToday]

@Eceoes Overall, that is exactly what we say. Fact Sheet 15 says each State has its own law. We have a page that links to the State statutes that we know of pertaining to the collection of personal information when shopping. We do not offer any interpretation of the statutes, we merely link to them. Additionally, we include excerpts from the major credit card agreements, which limit what information can be collected *as a condition* of accepting the credit card payment.

[PrivacyToday]

Is there any chance you are misinterpreting Fact Sheet 15 as applying to all the States, when it is actually written for California only?

[Eceoes]

@PrivacyToday

Not really because no where on that page did it state that these rules applied for the State of California only. A lot of people can go on this website from any state and read how they don't ever need to show their ID.

[PrivacyToday]

@Eceoes Paragraph 6 on Fact Sheet 15 states, "The remaining information in this section pertains specifically to California, except for the section entitled “Paying by Credit Card: MasterCard and Visa Rules,” which applies nationwide."

[Eceoes]

@PrivacyToday

Part 3

As for the state law, I read the Florida Sat. and the only law for stores is that stores can not get credit information to accept checks. Even with Mastcards agreement that stores can not refuse credit cards based on customers not showing ID is null and void. Most states allow merchants to refuse payment on any grounds the merchant sees fit. There is a reason why Mastercard has not made it an issue, because on terms of state law, its null and void.

[Eceoes]

@PrivacyToday

Part 2

Now, according to Mastercard and Visa, if the card is signed, then stores should not check for IDs, that part is true, HOWEVER it also says that if the card is not signed then the stores have to refuse it. That second part your website purposely left out. Also, if the card is not signed, then stores do check for IDs (and rightfully so). Your website even stated that stores check for IDs to get customer addresses to spam out their mailbox and I find that to be false.

[Eceoes]

@PrivacyToday

Part 1

Well here is one example that caught my eye. The article in which you make the claim how stores do not have the right to check for IDs is not accurate. In reality stores can take any measure they can to monitor the payments they receive, especially over the fact in which that they are liable for accepting stolen credit cards.