BrigadeQM just lost all of my respect and my business...

A merchant holding a sale because an address given isn't verified by the card issuer is a legit security point, particularly if a customer has no history with said merchant. However, what the merchant should then do is contact the customer by whatever means they have available to say "We couldn't process the order because of XYZ" and then work with the customer to get the right info and resolve the issue. 9 times out of 10, making one phone call to the customer and then another to the issuer is all it takes to figure out an address discrepancy.

Just saying the card declined would give the impression that the authorization was declined for insufficient funds. There are some issuers that will automatically decline an auth if the address submitted from the customer, via the merchant, does not match on a computerized address verification system, but the vast majority of cards I've ever encountered will auth if the account can cover the dollar amount, regardless of the address submitted.

Saying to a customer "Your card declined" when you don't have anything to back it up is a very dim move for a merchant. I agree that the experience as Dylside described it is rather off-putting, though, personally, I may not choose to write off the merchant forever because of one such incident.
 
jujigatame said:
A merchant holding a sale because an address given isn't verified by the card issuer is a legit security point, particularly if a customer has no history with said merchant. However, what the merchant should then do is contact the customer by whatever means they have available to say "We couldn't process the order because of XYZ" and then work with the customer to get the right info and resolve the issue. 9 times out of 10, making one phone call to the customer and then another to the issuer is all it takes to figure out an address discrepancy.

Just saying the card declined would give the impression that the authorization was declined for insufficient funds. There are some issuers that will automatically decline an auth if the address submitted from the customer, via the merchant, does not match on a computerized address verification system, but the vast majority of cards I've ever encountered will auth if the account can cover the dollar amount, regardless of the address submitted.

Saying to a customer "Your card declined" when you don't have anything to back it up is a very dim move for a merchant. I agree that the experience as Dylside described it is rather off-putting, though, personally, I may not choose to write off the merchant forever because of one such incident.
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I actually took this into consideration as well. Then I remembered that I used the same shipping address as the billing address on that card. So I know for sure that she just straight up lied. Oh well. I'll get my knife one way or another and we'll go from there. I'm not stewing on it too much anymore.
 
I've never made a purchase over the phone, but I have been in the store a few times to buy things. No problems on that end.

The first time I bought from them I had initially ordered over the Internet and then decided I needed the items right away. I went in and asked if they would pull my order and they did without any problems.

So Dylside, go to the store and try that route the next time. I don't really live near there, but I do occasionally work near there from time to time. I either go with a list of what I need or make the list while looking at the catalog at the store
 
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