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#1151559 - 03/25/09 09:54 PM PIN Tattooed On Customer's ARM!!!!!
YosemiteSamIAm Offline
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Joined: Jan 2004
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Guess
We have a customer making a claim for fraudulent ATM transactions whose PIN number is tattooed on his arm!!!!! I know we have to make him whole, but can we fire him as a customer after that if he refuses to change his PIN number? I am NOT making this up...
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#1151594 - 03/26/09 12:32 AM Re: PIN Tattooed On Customer's ARM!!!!! YosemiteSamIAm
Princess Romeo Offline

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Princess Romeo
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Where the heart is
Reg E is skewed toward's consumer protection and not bank protection, so even if the customer writes his/her PIN on the card itself, that is not a reason that a bank can use to refuse a Reg E claim. (Note if the transaction is a VISA or Mastercard debit transaction, the customer would not get the $-0- liability in that situation but you still have the $50 liability limit.)

Having said that, there is nothing in Regulation E or any other regulation that says you must offer access devices or maintain an account for anyone.

Most banks I know have a variation on three-strikes-you're out rule (or one strike or two strikes) and if they feel the customer is negligent in handling the card, they will refuse to issue another card, and some will simply close the account(s.)
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#1151653 - 03/26/09 12:39 PM Re: PIN Tattooed On Customer's ARM!!!!! Princess Romeo
Kitcat19 Offline
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Joined: Aug 2007
Posts: 45
Florida
I had to laugh at this one--I agree with Bonnie, dump him. It's a risk management issue and he's obviously not a good one!

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#1151758 - 03/26/09 01:47 PM Re: PIN Tattooed On Customer's ARM!!!!! Kitcat19
Midwest Banker Offline
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Joined: Nov 2004
Posts: 349
Cheeseland
At least he won't loose the PIN!

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#1151817 - 03/26/09 02:23 PM Re: PIN Tattooed On Customer's ARM!!!!! YosemiteSamIAm
Ted Dreyer Offline
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Ted Dreyer
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Posts: 2,245
You could always suggest to the customer that he can change his PIN and still use his tattoo by reversing the digits on his PIN and just reading his arm backwards!

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#1151939 - 03/26/09 03:34 PM Re: PIN Tattooed On Customer's ARM!!!!! Ted Dreyer
Kathleen O. Blanchard Offline

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Kathleen O. Blanchard
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That is a great idea, Ted. Very creative thinking.
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#1152011 - 03/26/09 04:30 PM Re: PIN Tattooed On Customer's ARM!!!!! Ted Dreyer
McGruff Offline
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McGruff
Joined: Feb 2004
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Texas
But if reverses his PIN, the ATM will call the police!!!

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#1152104 - 03/26/09 05:44 PM Re: PIN Tattooed On Customer's ARM!!!!! McGruff
Mrs. Selby Offline
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Iowa
When talking with management regarding Reg E, for years I've used the example "the customer could have the PIN tattooed on their forehead and we are still responsible for unauthorized activity." I always thought that was an exaggeration, guess not anymore.
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#1152194 - 03/26/09 06:32 PM Re: PIN Tattooed On Customer's ARM!!!!! Mrs. Selby
Andy_Z Offline
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This is like the guy with his SSN on the side of the truck because he uses that life secure whatever program his company has. Only this one could cost him $50 a pop.

Is the tattoo easily visible? Is the customer smart enough to read it? :p Why on earth would anyone do this, assuming he wasn't drunk.
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#1152244 - 03/26/09 07:18 PM Re: PIN Tattooed On Customer's ARM!!!!! Andy_Z
Kitcat19 Offline
Junior Member
Joined: Aug 2007
Posts: 45
Florida
Question: is the tattoo even real or is he perhaps trying to defraud the bank? Perhaps he's read up on banking regs...

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#1152407 - 03/26/09 10:06 PM Re: PIN Tattooed On Customer's ARM!!!!! McGruff
WonderWoman Offline
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WonderWoman
Joined: Mar 2007
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gone fishin'
Originally Posted By: McGruff
But if reverses his PIN, the ATM will call the police!!!



HAHAHAHAHAH grin
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#1152616 - 03/27/09 01:38 PM Re: PIN Tattooed On Customer's ARM!!!!! WonderWoman
Kathleen O. Blanchard Offline

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I keep laughing about this situation. People do strange things.
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www.kaybeescomplianceinsights.com

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#1152709 - 03/27/09 02:24 PM Re: PIN Tattooed On Customer's ARM!!!!! Kathleen O. Blanchard
BrendaC Offline
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BrendaC
Joined: Sep 2001
Posts: 6,029
Sweet Home AL
I write a code to my PINs on the back of my cards. Only I know how to decode the numbers. You could record 4356 and know that you need to add 3 to each number to arrive at the correct numbers (or some type adjustment). I don't use some of these cards very often, so I had to come up with some type of code to remind myself.
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#1152782 - 03/27/09 03:01 PM Re: PIN Tattooed On Customer's ARM!!!!! BrendaC
Kathleen O. Blanchard Offline

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Kathleen O. Blanchard
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That is very clever of you, Brenda. Why am I not surprised?
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Kathleen O. Blanchard, CRCM "Kaybee"
HMDA/CRA Training/Consulting/Mapping
The HMDA Academy
www.kaybeescomplianceinsights.com

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#1153162 - 03/27/09 07:36 PM Re: PIN Tattooed On Customer's ARM!!!!! Kathleen O. Blanchard
John Burnett Offline
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Cape Cod
I use the birth date of a second cousin twice removed. Oh, now I'll have to kill you. wink
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#1153222 - 03/27/09 08:10 PM Re: PIN Tattooed On Customer's ARM!!!!! John Burnett
WonderWoman Offline
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WonderWoman
Joined: Mar 2007
Posts: 2,108
gone fishin'
I've suggested to use acronymns that the customer can remember.

so for example:

"I Like Big Cats" = "ILBC" = which on a number pad = "4522"

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