5280 Armory

[cwripinz]

They need to change their signs and wordage. I am a retailer and the processing from Visa and MC are very clear. You can offer a cash discount off the marked or posted price,, you can NOT have a price then upcharge for using a credit card.. Their signs say "Prices marked reflect a cash discount, 3% will be added for credit card usage." They really need to change that to be in full compliance with merchant processing laws in Colorado. It needs to read. Prices marked do not reflect a 3% discount if cash sale. Or 3% discount on all cash sales. Maybe I will mention it to her when I am in the store today.
Im sure that will be a popular conversation...

You Are Correct, Sir!!

Here is the skinny from VISA along with a Phone Number to call and file a complaint against 5280's practices. When calling the number, press 1 for English and then Press NOTHING until a Human comes on. They will want your VISA Number for processing the complaint as they only take complaints from actual, verified VISA Cardholders.

"Thank you for contacting Visa.

Surcharges are percentage-based additional charges on a transaction. For example, the charge is $100.00 and the merchant applies a surcharge of 2.5%, which equates to $2.50. This is typically submitted as a separate charge (transaction #1 $100.00; transaction#2 $2.50), but some merchants submit as a single charge ($102.50).

Visa does not allow surcharging except in instances of tax payments as provided by registration (official payments program).

A discount for cash is different from a surcharge. The rule states the posted price must be for cards, however, merchants can provide a lower price for cash acceptance. Discounts for cash are allowed by Visa. However, merchants are not permitted to post a price for cash, and then charge a higher price for cards.

Additionally¸ Convenience Fees can be applied in non face-to-face environments where the non face-to-face channel is not the standard channel of business. For instance, if the business is primarily face-to-face and they decide to put in a web access or phone access, then the merchant may charge for the convenience of this channel. If the merchant is primarily a web or phone type merchant, then they cannot charge a convenience fee because they are not providing an additional convenience to the customer. In addition, fees cannot be charged on recurring payments, where the customer is having their card automatically charged month after month.

With regard to the fee, the fee must be flat and reasonable. You cannot charge a percentage for the fee. That would be considered surcharging. For instance, assume the convenience fee for a merchant’s voice response unit is $2.50, regardless if the transaction is $100 or $500; the fee must remain flat at $2.50. In a surcharge environment, which is against Visa rules, merchants charge a percentage rate. If we use 2.50%, then the surcharge amount would be as follows ($100 = $2.50; $500 = $12.50).

Again, the surcharge example above is just for illustration. Applying a surcharge is a violation of Visa rules.

To report any merchant practices that you feel are inappropriate, please call Global Customer Care Services at 1-800-VISA-911 (1-800-847-2911). Please advise them that you were referred to file a complaint. The staff will be able to initiate a complaint form over the phone.

We hope this information proves helpful and thank you for writing.
Visa Webmaster"

So... The 3% Uplift on Posted Prices for Credit Cards Signage in their store VIOLATE THEIR MERCHANT AGREEMENT WITH VISA.

So... Charging a Percentage Instead of a Flat Fee VIOLATES THEIR MERCHANT AGREEMENT WITH VISA.

So... Charging ANYTHING more than the Posted Price (with the exception of Sales Taxes) VIOLATES THEIR MERCHANT AGREEMENT WITH VISA.

That's Three Strikes!
OK, boys... now stop whining and actually DO SOMETHING to slap these miscreants back into line!! Take 10 minutes, Pick up the Phone and give VISA a call. File That Complaint!!!

I have nothing personally against 5280 armory. With that said... Wrong is WRONG! They need to fix this situation Right Freakin' NOW. Or VISA will "fix" them. How? VISA can cancell their Merchant Agreement and prevent Credit Card processing in All business Functions... At the Store... At Gunshows... and On the Internet. In this, VISA, MasterCard, Discover and AMEX are in Lock-Step. Just imagine trying to run that biz WITHOUT Credit Card Capability... can you say, "Dead in the water?" I knew you could!

[colorider]

Yesterday I witnessed 2 customers that said " I have to go to the bank and get the cash,or, i gotta go to an ATM and will be back". This has to happen all the time. Once a customer leaves the store, that customer has the chance to not come back. Get the Money now. Don't give them the chance to leave without buying. That's just not smart business. On the other hand, people pack their store and shell out cash and cards all day long (when they are open) so the are obviously doing something right. I'm a noob and my wallet has puked all over their store. But they still need to change the sign and price tags.

[wagzs]

Been shopping for an AR-15 for the past couple of weeks and finally got across town today to shop at 5280. The selection there was great and Ron spent all the time I needed to pass several rifles across the counter. Ron also was a big help to my sister who was there looking to purchase her first semi-auto pistol. Gina efficienty handled the paperwork and we were outta there in good time - both satisfied customers!

[OneGuy67]

I went there yesterday to look and I ended up buying some ammo and other small items. I was surprised to have "No Returns" stamped on my receipt. They going out business?

[USMC88-93]

Went in there today, they are much bigger in store size since the last time I was in there. Must have something to do with the flat out ridiculous pricing I saw on many items.

[colorider]

Got a Springfield there last Friday. 3rd gun purchase in less then a year there Had the best price around. In and out in 40 min. Had great service.

[sneakerd]

I'm no great fan of 5280- but it looks to me like you have a personal issue.

[JM Ver. 2.0]

I'm no great fan of 5280- but it looks to me like you have a personal issue.

Agreed.

[TheBelly]

Mod edit

THAT was your first post? Wow...just WOW!

elaborate why you feel the way you do.

[birddog]

Here is what I would throw in about 5280. They have pretty poor customer service in my experiences. They do however have a great inventory and I have found their prices to be some of the lowest in town.

i think it's a good place to walk in knowing exactly what you want and buy it. If you are researching or shopping then it's probably not your shop. If they could get rid of some of their gun store ninjas and bring in some CS it would probably be a great shop.