My wife and I are victims of identify theft, and we are both angry over government’s failure to catch the thief for one thing and to prevent such thefts from happening in the first place. We know that there are thousands of citizens out there who have suffered the same thievery that we have, and it’s time we all join in demanding that federal and local governments do something about it.
We know what that “something” is, and we want to define it clearly, as we hope others will do, as well. In our case, someone, somewhere obtained the number on our American Express card and somehow managed to use our name and our card number to make several purchases and persuade sales clerks or bank clerks to accept the name and number without double-checking them to make certain the thief was the card owner.
As a result, our next billing from American Express and the Bank of America indicated purchases of several hundred dollars for items we didn’t buy. Since we use our credit card to pay for many purchases and services, we have no idea who the culprit may be and where the culprit saw our name and card number and swiped them.
My point in all this is that we are the innocent victims of the thief. It is the store or agency accepting a name and number without demanding proof of card ownership that should have to pay for the amounts charged by the thief, not us. To illustrate our point, let’s suppose that the thief, John Brown, found our name and number on, say, the expense slip we signed at a restaurant or sporting-goods store.
Brown then went to a clothing store and purchased a suit and a topcoat, then produced not a legitimate credit card but simply a credit-card number and a name — not his name but the name of the real card holder. The salesman or clerk accepts the name and card number but fails to ask for the original credit card itself — nor any proof that the buyer is, indeed, the true owner of the card and the name.
Others who have been victimized as we have say that the case I have just referred to is the same or approximately the same as the identity theft that happened to them. Multiply that by the thousands or even millions of identity-theft victims in the U.S. and one can easily understand the problem — and realize that the only way to stop it is the way I have suggested.
Congress and state legislatures should adopt laws asserting that those stores, services, or agencies that fail to demand legitimate credit cards and proof of ownership should have to pay for the money lost, as a result, not the person whose credit-card number and name have been stolen by a crafty thief.
In fact, I would go at least one step further in the crafting of such legislation. I would make it part of the law that all credit cards issued in the future include a clear photograph of the owner and holder. And, in the interim, I would urge all banks and other agencies issuing credit cards to call for present holders to turn in their old cards and receive new ones with their photos on them. Since we have become a credit-card society, so to speak, one can appreciate the importance of this issue.
Are clerks and managers in business establishments in the U.S. so eager to make a buck that they are unwilling to question a buyer who can produce only a name and a number, without showing a legitimate, properly signed credit card? Apparently that is the case across the country, including, of all places, in banks, which should be doubly careful approving card-less transactions.
Finally, I believe police departments and courts across the land, as well as lawmakers, should crack down on identity thieves and punish them so severely that the breed will soon vanish from the American horizon. Perhaps the best way to do it is to apply the “three strikes-and-you’re-out” policy to instances of identity theft. That is, if an identity thief commits a crime by using someone else’s name and credit-card number, and that crime is the third crime he or she has committed, then a judge would be authorized to “throw the book” at the thief, as the saying goes. I would wager that such legal action would soon put an end to identity thievery.