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Best Buy Calls Police Over Loan Application  
User currently offlineJohnboy From United States of America, joined Aug 1999, 2585 posts, RR: 7
Posted (6 years 11 months 1 week 6 days 21 hours ago) and read 2014 times:

http://consumerist.com/consumer/ques...r-loan-application-home-301589.php

I can't quite figure this one out....the guy takes a completed loan application from the store, and Best Buy does everything in its power to keep him from leaving, and has the police waiting at his home when he arrives?

(that he works for Homeland Security is a bit ironic, eh?)

18 replies: All unread, jump to last
 
User currently offlineAirfoilsguy From , joined Dec 1969, posts, RR:
Reply 1, posted (6 years 11 months 1 week 6 days 20 hours ago) and read 2002 times:

It seems that the idiots are running amok. Why a clerk would call the police over someone taking a piece of paper is beyond me. Sounds like a clash of egos.

User currently offlineLTBEWR From United States of America, joined Jan 2004, 13078 posts, RR: 12
Reply 2, posted (6 years 11 months 1 week 6 days 17 hours ago) and read 1928 times:

I can understand the customer wanting to take the un-filed application home as it had a lot of critical personal information that could be valuable to a identity thief. Identity theft is a very serious crime and a horrendous situation to it's victims. There have been cases of employees of stores stealing credit card numbers, and critical identity info for their own criminal use or to sell for money. For Best Buy, they also may have wanted the un-filed application for certain legal reasons, including as to racial discrimination or 'redlining', to prove not denying credit to persons in areas with high percentages of low income and non-white residents.

User currently offlineAirfoilsguy From , joined Dec 1969, posts, RR:
Reply 3, posted (6 years 11 months 1 week 6 days 13 hours ago) and read 1847 times:

Quoting LTBEWR (Reply 2):

Very true. But the clerk at Best Buy went over board in calling the police. The police have better things to do then chase down people who "steal" paper.


User currently offlineShyFlyer From , joined Dec 1969, posts, RR:
Reply 4, posted (6 years 11 months 1 week 6 days 13 hours ago) and read 1833 times:

Quoting Airfoilsguy (Reply 3):
The police have better things to do then chase down people who "steal" paper.

Apparently these don't:

Quote:
The police threatened Mr. Quilty with arrest if he didn't turn over the paperwork, which Best Buy apparently needed in order to prove that Mr.Quilty had applied for the loan. In the end, the police accepted the torn up pieces of the application.

I just don't understand why police officers would threaten arrest over loan paperwork.


User currently offlineAsstChiefMark From , joined Dec 1969, posts, RR:
Reply 5, posted (6 years 11 months 1 week 6 days 13 hours ago) and read 1822 times:

Quoting ShyFlyer (Reply 4):
I just don't understand why police officers would threaten arrest over loan paperwork.

Maybe there's a fine print clause printed on it that says it's the property of Best Buy and shall not be removed from the premises.


User currently offlineAndesSMF From , joined Dec 1969, posts, RR:
Reply 6, posted (6 years 11 months 1 week 6 days 13 hours ago) and read 1809 times:

Quoting Airfoilsguy (Reply 3):
The police have better things to do then chase down people who "steal" paper.

People who steal paper can run up thousands in fake charges in no time.


User currently offlineSmcmac32msn From United States of America, joined May 2004, 2211 posts, RR: 4
Reply 7, posted (6 years 11 months 1 week 6 days 12 hours ago) and read 1789 times:

Quoting AndesSMF (Reply 6):
People who steal paper can run up thousands in fake charges in no time.

With their own name and information on it? Did you read the article?



Hey Obama, keep the change! I want my dollar back.
User currently offlineAndesSMF From , joined Dec 1969, posts, RR:
Reply 8, posted (6 years 11 months 1 week 6 days 11 hours ago) and read 1749 times:

Quoting Smcmac32msn (Reply 7):
With their own name and information on it?

Yes.

My wife just had her purse stolen, and the bastards did quite a bit of shopping, with our checks.

To make a long story short, WE HAD to give all the information to the stores to prove that WE did not make these purchases. Why? Any idiot could get these forms, fill them, take it with them, run charges, and then claim that it was not them.


User currently offlineAsuflyer05 From United States of America, joined Feb 2004, 2371 posts, RR: 3
Reply 9, posted (6 years 11 months 1 week 6 days 2 hours ago) and read 1646 times:

Quoting ShyFlyer (Reply 4):

I just don't understand why police officers would threaten arrest over loan paperwork.

Here's why it is a serious issue:
1.) Customer enters store and applies for credit.
2.) Store fills out app with customer and runs credit placing their name on bureau.
3.) Customer leaves store with credit application with his signature on it. Then goes home and runs credit bureau to find 'Best Buy's inquiry.
4.) Customer sues store for illegally obtaining information.
5.) Store tells customer he agreed to have credit run when he signed the app.
6.) Customer tells Best Buy to produce the credit application.
7.) Customer wins lawsuit because they do not proof of authorization to run credit.


User currently offlineCupraIbiza From Australia, joined Feb 2007, 836 posts, RR: 6
Reply 10, posted (6 years 11 months 1 week 6 days 2 hours ago) and read 1643 times:

Totally ridiculous waste of resources. On the flip side he could have gone back into the store and told them to rip the application into thousands of pieces while he watched. Problem solved


Everyday is a gift…… but why does it have to be a pair of socks?
User currently offlineShyFlyer From , joined Dec 1969, posts, RR:
Reply 11, posted (6 years 11 months 1 week 6 days 1 hour ago) and read 1624 times:

Quoting AsstChiefMark (Reply 5):
fine print clause



Quoting Asuflyer05 (Reply 9):

All good points. Thanks, gentlemen, for sharing.  thumbsup 


User currently offlinePSA53 From United States of America, joined Aug 2003, 3061 posts, RR: 4
Reply 12, posted (6 years 11 months 1 week 6 days 1 hour ago) and read 1610 times:

Quilty said he picked up his paperwork, which he had signed, and intended to go to the rear of the store and talk to the sales rep.

"But the clerk shouted that I can't take the application," Quilty said. "She said it belongs to the store."

Best Buy's spokesman said the clerk was following proper procedure.

Quilty said at this point he decided to leave the store - and take the loan application with him.

The clerk again insisted he leave the loan application behind.

Quilty ignored her and headed toward the door.

The clerk then shouted out to a security guard.

The security guard told Quilty to stop and return the loan application.

Quilty kept on walking out of the store and into the parking lot.

PSA53:My comments,

I was discharged for this very issue from the Shack.Every officer from District,Regional and Divisional Managers have repeated time after time,that credit applications that are called in with an answer, will not leave the store.When a customer refused,I gave her three warnings,including to point out to her that she volunteer to give her information to us and that we were doing nothing differently from any other retailer in this request.When she deciding to refuse,I became confused,because company policy was not to allow the application out of the store.I called my salesmakers to witness of what was about to do and I grab the application out of the customer hands without touching her.To this day,both of now,former employees,said I never touched her.But she raised hell,accused me of touching her,and company decided
to wash their hands on the matter by firing me.

I was told,by another manager of a store, that one week after my dismissal,that the District Officer instructed the crew to "simply give the app to the customer." after we were told not to.While I hold no anger against no one and being self
employed is a promotion in being my own boss,companies needs to explained or train their employees in what to do when a customer refuses.



Tuesday's Off! Do not disturb.
User currently offlineSkidmarks From UK - England, joined Dec 2004, 7121 posts, RR: 55
Reply 13, posted (6 years 11 months 1 week 5 days 22 hours ago) and read 1560 times:

Nobody ever heard of photocopiers over there then? If the customer wanted a copy that is surely the simplest option.

Andy  old 



Growing old is compulsory, growing up is optional
User currently offlineManuCH From Switzerland, joined Jun 2005, 3011 posts, RR: 47
Reply 14, posted (6 years 11 months 1 week 5 days 19 hours ago) and read 1537 times:
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HEAD MODERATOR

Quoting Skidmarks (Reply 13):
Nobody ever heard of photocopiers over there then? If the customer wanted a copy that is surely the simplest option.

The point is that the customer wanted the original, in order to avoid the store having it, because it contains sensitive information.

Couldn't he just have asked the employee to shred the application?



Never trust a statistic you didn't fake yourself
User currently offlineSkidmarks From UK - England, joined Dec 2004, 7121 posts, RR: 55
Reply 15, posted (6 years 11 months 1 week 5 days 19 hours ago) and read 1532 times:

Quoting ManuCH (Reply 14):
The point is that the customer wanted the original, in order to avoid the store having it, because it contains sensitive information.

Couldn't he just have asked the employee to shred the application?

Indeed. All I was trying to get at was that there has to be a simpler, less dramatic and time-wasting solution. Ah well, that's progress! Big grin

Andy  old 



Growing old is compulsory, growing up is optional
User currently onlineFlighty From United States of America, joined Apr 2007, 8486 posts, RR: 2
Reply 16, posted (6 years 11 months 1 week 5 days 17 hours ago) and read 1516 times:

Definitely a hard case. Usually I have some provocative opinion on things but this time I am stumped. Evidently, the store will NOT throw the paper away. They file all that. They are probably all stored in a mountain somewhere.

User currently offlineAsuflyer05 From United States of America, joined Feb 2004, 2371 posts, RR: 3
Reply 17, posted (6 years 11 months 1 week 5 days 10 hours ago) and read 1444 times:

It all goes back to the Privacy Act and the principle of safeguarding. They assume it is illegal to run a person's credit without a signed application. So if you ran credit and no longer have the application, they assume you lost it or tossed it. And that shows you do not have a policy for safeguarding personal information.

Quoting ShyFlyer (Reply 11):

All good points. Thanks, gentlemen, for sharing.

I just accidentally reread my post and it sounded snotty to me. I didn't mean for that tone to come across.

Quoting Flighty (Reply 16):
Definitely a hard case. Usually I have some provocative opinion on things but this time I am stumped. Evidently, the store will NOT throw the paper away. They file all that. They are probably all stored in a mountain somewhere.

Pretty much. There is a time limit that the company needs to hang on to those credit apps. The dealership group I used to work for, would audit the individual dealers it owned to see if they had those credit apps.

They would pull a list of people's credit we ran from two years ago. Then the auditor would pull the apps from that timeframe and make sure we had them on file. If not, corporate would charge the dealership $11,000 fine per incident.


User currently offlineShyFlyer From , joined Dec 1969, posts, RR:
Reply 18, posted (6 years 11 months 1 week 5 days 9 hours ago) and read 1438 times:

Quoting Asuflyer05 (Reply 17):
I didn't mean for that tone to come across.

It's all good. I didn't take it that way anyway. Big grin


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