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Credit Card/Indentity Theft?  
User currently offlineAa777jr From , joined Dec 1969, posts, RR:
Posted (8 years 10 months 4 weeks 5 hours ago) and read 815 times:

Up till now, have always have good fortunes with my banking online as to not have a number get stolen.

Found out today some little b*stard had been using my credit card number for an AOL account. They had charged me $23.90/mo for the past 4 months. I got the charges debited back to my card today.

Has anyone had similar misfortunes? I'm always reading about a bank that lets thousands of accounts or numbers get hacked.

Regards.

14 replies: All unread, jump to last
 
User currently offlinePsa53 From United States of America, joined Aug 2003, 3052 posts, RR: 4
Reply 1, posted (8 years 10 months 4 weeks 5 hours ago) and read 809 times:

Don't do on-line credit card transactions.
Nothing is secured.Nothing.



Tuesday's Off! Do not disturb.
User currently offlineNewark777 From United States of America, joined Dec 2004, 9348 posts, RR: 30
Reply 2, posted (8 years 10 months 4 weeks 5 hours ago) and read 802 times:

Don't do on-line credit card transactions.
Nothing is secured.Nothing.


How do you know the person got the card from on-line? Could have gotten it someplace else, and just used it for AOL.

Harry



Why grab a Heine when you can grab a Busch?
User currently offlineJafa39 From , joined Dec 1969, posts, RR:
Reply 3, posted (8 years 10 months 4 weeks 5 hours ago) and read 796 times:

I had my debit card cloned by a gas station attendant, they made two copies and took 1400 pounds out of an account with only 700 in it.

I ended up stranded on a London train station at 10 pm, managed to get to Brighton, the bank were very good and gave me a cash advance and refunded all the money, then, as i was at the ATM getting my train fare back home, some w*nker stole my cell-phone!!

Some days just suck!!!


User currently offlinePsa53 From United States of America, joined Aug 2003, 3052 posts, RR: 4
Reply 4, posted (8 years 10 months 4 weeks 5 hours ago) and read 791 times:

Quoting Newark777 (Reply 2):
Could have gotten it someplace else

True.But your computer can be monitor.Verizon prove that to
me when they took over my internet on the computer,mouse and all.They even commented on some of my pages.So, I know
it can be done.

Add-On:I agree that bad employees of retailers, are a major problem.

[Edited 2005-08-21 23:54:33]


Tuesday's Off! Do not disturb.
User currently offlineANCFlyer From , joined Dec 1969, posts, RR:
Reply 5, posted (8 years 10 months 4 weeks 5 hours ago) and read 785 times:

Quoting Psa53 (Reply 1):
Don't do on-line credit card transactions.
Nothing is secured.Nothing.

Untenable in today's society . . . .

Therefore . . .

I maintain a credit card that is used expressly for on line transactions. It is used no where else . . .

And the other credit cards I have are never, ever used online or elsewhere.

Further - I do not and will not subscribe to online bill payment - except thru my bank. In other words, I don't let the cable, electric, gas, etc company bill me and then debit a credit card or some such thing. I get electronic bills, but I pay via thru my Credit Union automatically . . . occasionally I'll still used an "old fashioned" (lol) paper check.


User currently offlineSabena332 From , joined Dec 1969, posts, RR:
Reply 6, posted (8 years 10 months 4 weeks 5 hours ago) and read 776 times:

Quoting ANCFlyer (Reply 5):
I maintain a credit card that is used expressly for on line transactions. It is used no where else . . .

And the other credit cards I have are never, ever used online or elsewhere.

This is actually a very good idea, I never thought about that. I think I will do the same from now on! Doesn't AmEx said in an ad that their blue card is perfect for online transactions?

Patrick


User currently offlinePsa53 From United States of America, joined Aug 2003, 3052 posts, RR: 4
Reply 7, posted (8 years 10 months 4 weeks 5 hours ago) and read 771 times:

Quoting ANCFlyer (Reply 5):
her - I do not and will not subscribe to online bill payment - except thru my bank.

Good point.What a headache,to change an account.
And some,don't give you receipts to check a status.



Tuesday's Off! Do not disturb.
User currently offlineAa777jr From , joined Dec 1969, posts, RR:
Reply 8, posted (8 years 10 months 4 weeks 5 hours ago) and read 772 times:

I have one credit card, a USAA platinum. I contacted USAA to contest. They immediately debited money back to my card and filed a dispute with AOL. I was given a number to AOL fraud.

I called AOL and gave them my credit card number and my mailing address. She placed me on hold for about 5 minutes and came back on the phone to give me a "transaction" number that would prevent AOL from using my specific credit card number on any account in the future.

She was VERY nonspecific. I then had to ask the question, "Is this identity theft?" Did someone just get my number, give it to AOL, and open an account. She replied "yes sir, we are sorry, have a good day." Very pointed and wanting to get off the phone.

Quoting Newark777 (Reply 2):
How do you know the person got the card from on-line? Could have gotten it someplace else, and just used it for AOL.

I did get it out of the rep from AOL that online accounts don't require a "CV" number to verify the credit card. LAME!  Angry

Glad it wasn't my indentity!


User currently offlineCanuckpaxguy From , joined Dec 1969, posts, RR:
Reply 9, posted (8 years 10 months 4 weeks 5 hours ago) and read 770 times:

Call your bank and dispute any charges appearing on your statements. Most banks will refund the missing funds or fraudulent charges to your account pending the outcome of an investigation.

You have a responsibility to ensure you do not release private passwords to strangers. Your bank / credit card provider have a responsibility to you to ensure your assets are safe.

But as a rule.....
> Do all you can to protect your privacy.
> Cover the machine when entering your PIN number at a bank machine or at a store.
> Do NOT write your passwords / PIN numbers on a piece of paper and leave it in your wallet.
> When you hand a debit or credit card to a store clerk, do NOT take your eyes off the card. Watch where the clerk swipes your card to avoid having your card "skimmed". (This is what happened to Jafa39).
> If you make many online purchases, talk to your bank about alternate payment methods available (e-transfers, etc) or open a separate account to be used solely for online / telephone transactions.
> Read your bank statements and credit card statements AS SOON AS they arrive in the mail (or online).

G


User currently offlineStevenUhl777 From , joined Dec 1969, posts, RR:
Reply 10, posted (8 years 10 months 4 weeks 1 hour ago) and read 742 times:

Quoting ANCFlyer (Reply 5):
Therefore . . .

I maintain a credit card that is used expressly for on line transactions. It is used no where else . . .

That's a GREAT idea!

Here's another for all of you:

When you visit a place and use your credit card, before you leave do this:

- Scratch out the last 4 digits of your c.c. #, if the entire number appears on the merchant copy.
- Scratch out the expiration date
- Circle the approval/authorization code.

If there's ever any question, all the merchant has to do is reference the date, batch #, approval code, and amount, and the merchant is fine. Most merchants put x's for the first 12 digits of the c.c. # on your slip, but some don't. Therefore, if someone has your full credit card number, expiration date, name, and signature, you're fucked and they're in luck.

By doing what I suggest, you protect both the merchant you did business with, plus more importantly, yourself!


User currently offlineAa777jr From , joined Dec 1969, posts, RR:
Reply 11, posted (8 years 10 months 4 weeks 1 hour ago) and read 738 times:

Quoting StevenUhl777 (Reply 10):
By doing what I suggest, you protect both the merchant you did business with, plus more importantly, yourself!

I got awful service at a business lunch a few months ago and left no tip (not like me at all) and I think the waiter might had screwed with me for spite. Oh well, it's taken care of.

Regards.


User currently offlinePsa53 From United States of America, joined Aug 2003, 3052 posts, RR: 4
Reply 12, posted (8 years 10 months 4 weeks ago) and read 731 times:

Quoting StevenUhl777 (Reply 10):
Scratch out the last 4 digits of your c.c. #, if the entire number appears on the merchant copy.
- Scratch out the expiration date
- Circle the approval/authorization code.

Great ideas,your copy only,and do not adjust the card in any manner.

Also,the merchant copy must have all information on
his/copy copy if there is ever a dispute to turn in!Most merchants will
refund, if crossed out.A merchant could be charged back ,otherwise.
Some are imprinting for proof of card in hand, as well.



Tuesday's Off! Do not disturb.
User currently offlineANCFlyer From , joined Dec 1969, posts, RR:
Reply 13, posted (8 years 10 months 4 weeks ago) and read 713 times:

Quoting Psa53 (Reply 12):
Some are imprinting for proof of card in hand, as well.

Speaking of imprinting . . . some hotels take an "imprint" of your card when you check in . . . I don't allow that. I've had some argument, but I ask for a manager, explain my trepidation and usually don't have an issue. Never a problem at Marriott . . . of course my Platinum Card handles all that . . . but even Tommy Tentpegs Resort and Roach Motel doesn't have a problem when I bring up ID theft etc.

If a place wants an imprint, insist otherwise.

When they say, but it's our policy, insist otherwise.

When they remain steadfast, do the same, and run it up the flagpole.

Best way to beat the game, maintain a membership with the organization . . . hotels, motels, food stores, car rental companies, airlines . . . and limit the number of cards you use . . .


User currently offlinePsa53 From United States of America, joined Aug 2003, 3052 posts, RR: 4
Reply 14, posted (8 years 10 months 3 weeks 6 days 23 hours ago) and read 711 times:

Quoting ANCFlyer (Reply 13):
When they say, but it's our policy, insist otherwise.

Inprints also depends on the amount of the purchase.
One major retailer policy.Anything over a $100.00.

And if the card doesn't read the magnetic strip.
Imprint a must.No exceptions and what was amount
of purchase.Fraud cards are usually big items in this
catagory of strip issues.Some merchants won't
take a card if it doesn't read.They are in their rights
to refuse.Also,checks can be refused.Merchants can refuse
anything if there is problem.It is not a requirement to accept.

Add-on:The latest joke to retailers.Pictured credit cards.
You talk about I.D. probems.Can I slap my
picture on your credit card? DMV,still required.(lol)

[Edited 2005-08-22 05:59:28]


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