[ransom1538]

> Even disputing a charge on the credit card — they have copies of our ID, smart.

Your credit card company will charge back that charge. AND they will make a note on the merchant's account. More than likely, when you call regarding this merchant account it will already have notes on it -- just making it even quicker.

Once, I paid 2k for a couch on Macys.com. Their delivery guys came to deliver the couch on the agreed day. On that very day - the delivery men called and told me they couldn't get it up the stairs (which was a lie, they needed keys to figure this out). I called Macys support and it was marked delivered WITH MY SIGNATURE and there was nothing that could be done. Upset - I called my credit card company. I had the funds back in my account in 24 hours.

[reustle]

Are you saying they forged your signature?

[M_Grey]

I don't even have a signature. While I can do lovely calligraphy, my actual handwriting is a testament to a failed Rey-Osterrieth complex figure test. Now, that's extreme, but how many people have a stable signature now when they almost never have to reproduce it?

[Bartweiss]

I have been asked to 'reproduce' a signature once in my entire life. At a 7/11, buying $6 worth of food. It took 4 tries to satisfy the cashier, because my signature is completely inconsistent. I almost refused, but I was curious whether I was even capable of signing convincingly.

To this day, I have no idea what drove that decision.

[goldenkey]

Do you never use a CC? Ive drawn smiley faces before. No one really cares unless the charge is high and disputable.

[Bartweiss]

Huh? I use them and sign regularly. I meant that once ever, a cashier actively refused my transaction because she found the signature unconvincing.

That's why I was so baffled by the context - a $2000 computer purchase doesn't get checked, but $6 of cookies got me the wringer.

[goldenkey]

Ah got confused. Clarified now.

[howard941]

I try very hard to stabilize it to avoid getting franked at the voting site. (problem: Florida)

[verbify]

Maybe it was one of those 'electronic signatures' - they're simply a scribble on an electronic device.

[chrisper]

So what will you do if it goes to a debt collector?

[toomuchtodo]

Ask them to verify the debt.

https://www.reddit.com/r/personalfinance/wiki/collections#wi...

[stale2002]

I could go to a debt collector right now and tell them that you own me money.

But if I do this to though people, I'll go to jail.

[gjjrfcbugxbhf]

It won't.