Luckily me (or the bank) is only out $53. But got a call from our bank that there was suspicious activity on our account. We checked and sure enough there was a purchase of $50 to a "dating" site and three separate $1 purchases to a credit service. So the bank has now shut our credit cards down and we'll have to get new ones. I guess the bank was seeing these come up on other accounts and were suspicious. What I don't understand is why the perverts used my credit card for something as weird as a dating site and not just purchase say.... a refrigerator? I'll find out more whats going on Tuesday after the banks open. BTW- My brothers a police detective in a large Ohio city and said that many Chinese restaurants are notoriously guilty of credit card theft, along with money laundering and a whole lot of other illegal activity. Makes sense in that the number taken was from my wifes card and the only time it was recently used was, guess.... our favorite Chinese restaurant :evil: . Of course we can't prove that but hopefully the police will get to the bottom of it. Keep an eye on your bank statements fellow Guilders!
Credit Card Fraud Victim
- Thread starter Ravon
- Start date
Dr. Spivey
Senior Member
Happened to me around two years ago. Very similar story, bank called, a charge for about a hundred online and then two more for less than ten. Filled out a paper at the bank, the money was credited back 2 or 3 days later, had a new card in hand on day four. Didn't cost me a dime.
This is so common anymore, the banks don't raise an eyebrow and the police rarely get involved. Hope it turns out well for you Ravon, but don't be shocked by the apathy you will no doubt encounter.
This is so common anymore, the banks don't raise an eyebrow and the police rarely get involved. Hope it turns out well for you Ravon, but don't be shocked by the apathy you will no doubt encounter.
kevin the bass man
Member
damn that sucks. at least you're only out $53.
I guess we'll all have to start using cash again- at least when we all get chinese food.
I guess we'll all have to start using cash again- at least when we all get chinese food.
davismanLV
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I don't really care about apathy all that much......
CA-35
Senior Member
davismanLV said:
So in other words you are apathetic about apathy?
:shock: :lol: 
taabru45
Enlightened Member
No.....just indifferent....
Same thing happened to us last year. You should get your money back though. But ultimately, it's costing all of us in the long run.
devellis
Member
Earlier this year, I was picking up some groceries, scanned the MasterCard, and the clerk said there was a problem. Swiped it again, still no good. I paid cash and didn't give it much thought. When I got home, there was a call from the bank that the card had shown up on purchases in Viet Nam and they'd frozen the account. They either stopped all of the transactions or covered the losses directly. We had new cards in a day.
I suspect that my wife's card (same account) may have gotten lifted.
I suspect that my wife's card (same account) may have gotten lifted.
West R Lee
Venerated Member
I sat on a grand jury a few years ago.....for a couple of months, all day, once a week. During out breaks from the courtroom, I had several discussions with our DA. One of the things he told me was to NEVER let my credit card get out of my sight when paying for a meal. He told me that he always pays cash........if he doen't have cash, he's not eating.
I don't carry it quite that far as if I'm familiar with an eating establishment, I'll let go of my card. But I still will not let the card get out of my sight. But the DA prosecutes these thing every day. He's forever changed my way of looking at payment. Fact is though, if we use PayPal, or buy online, there's still a measure of risk.
West
I don't carry it quite that far as if I'm familiar with an eating establishment, I'll let go of my card. But I still will not let the card get out of my sight. But the DA prosecutes these thing every day. He's forever changed my way of looking at payment. Fact is though, if we use PayPal, or buy online, there's still a measure of risk.
West
davismanLV
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I feel pretty fortunate that at this stage of my life, I'm a tipped employee. I get an hourly paycheck, but it's minimal.... covers medical benefits and such. But I live on cash, pretty much. There is the rare occasion that I find myself short of cash, but it's not often. Gas, food, groceries, medications..... pretty much everything gets paid in cash. So, although it's not NO RISK, my chances are a bit lower.
Any online purchases are made on a separate account which holds a minimal balance and transfers are made to cover specific purchases. So even if that account # gets jacked, they ain't getting much.
Cash has been so "out of favor" for a while now.... but I see a great resurgence of it's popularity. Most everyone takes it, it spends everywhere (pretty much), and short of being robbed at gunpoint.... is pretty safe to use.
Cash is kinda retro...in a good way. :lol:
Any online purchases are made on a separate account which holds a minimal balance and transfers are made to cover specific purchases. So even if that account # gets jacked, they ain't getting much.
Cash has been so "out of favor" for a while now.... but I see a great resurgence of it's popularity. Most everyone takes it, it spends everywhere (pretty much), and short of being robbed at gunpoint.... is pretty safe to use.
Cash is kinda retro...in a good way. :lol:
Dr. Spivey
Senior Member
My sister works for a bank with about 20 branches. Twelve years ago they averaged about 42 cases of credit/debit card fraud per month. These were handled by the people that straightened out errors in checking and savings accounts. Now it's a full time job for two people and they're about to add a third.
It surely helps to be vigilant in protecting your card number, but it seems that it will happen to everyone sooner or later. I read an article recently that said credit card numbers are sold for as little as 25 cents a piece to thieves.
It surely helps to be vigilant in protecting your card number, but it seems that it will happen to everyone sooner or later. I read an article recently that said credit card numbers are sold for as little as 25 cents a piece to thieves.
geoguy
Senior Member
Happened to us earlier this year, following an overseas trip. We're guessing that's where the card info (including the security code # on the back) was copied.
Some dirtbag first made a $1 charge (for an attorney's office!) to that account number, apparently to see if the account was actually open.
He (or she) then tried to purchase a couple of trailers (approx. value of $20,000), & have them shipped to an address in Sweden.
The $1 charge caught the attention of my credit card company. The pending trailer purchase got my attention, when the trailer dealer called my office to confirm that it was indeed me that was purchasing these trailers.
Like everyone else above, we got new credit cards. And no trailers were delivered to Scandinavia on my behalf.
I also use cash more often, as a result of that experience.
Some dirtbag first made a $1 charge (for an attorney's office!) to that account number, apparently to see if the account was actually open.
He (or she) then tried to purchase a couple of trailers (approx. value of $20,000), & have them shipped to an address in Sweden.
The $1 charge caught the attention of my credit card company. The pending trailer purchase got my attention, when the trailer dealer called my office to confirm that it was indeed me that was purchasing these trailers.
Like everyone else above, we got new credit cards. And no trailers were delivered to Scandinavia on my behalf.
I also use cash more often, as a result of that experience.
CA-35
Senior Member
West R Lee said:
I sat across from one once. :shock:
West R Lee
Venerated Member
CA-35 said:
I sat across from one once. :shock:[/quote:1ipf79rr]
An experience from the grand jury side to be sure, but to honest, if there wasn't substantial evidence, more than likely, we were going to let you walk. But I'd say in 90% of the cases we heard, the evidence was pretty overwhelming.
West
rws11
Member
My card co. called a couple of years ago and asked if I had recently purchased airline tickets from New York to, hell I don't remember,.......no. Have you recently purchased an airline ticket from New York to, west hell I don't remember,.......no, haven't been on a plane in almost thirty years, and I sure as hell ain't goin' to New York to fly to anywhere.
Rarely use the credit card, however I did make a purchase from a place in New Jersey. That's the only thing I can think of.
Credit card co. canceled card and sent a new one. That's the last I heard of it.
World's goin' to hell in a hand basket.....or west hell.
Rarely use the credit card, however I did make a purchase from a place in New Jersey. That's the only thing I can think of.
Credit card co. canceled card and sent a new one. That's the last I heard of it.
World's goin' to hell in a hand basket.....or west hell.
frailer5
Member
It's a constant battle, from what I can gather, between banks/law enforcement vs. the scammers. There are some very sophisticated devices, including reading devices that are very thin/small which can fit into/within a card reading device. Some can transmit the skimmed info wirelessly.
Another one I've heard of recently are those standalone, Dalek-looking Auto-teller kiosks, common in Westfiled malls and the like, which, in the right circumstances, can be tampered with without the knowledge (obviously), of the bank or institution. After hearing some hair-rasing stories I now avoid them like the plague. Use only wall-of-the-bank ones, and even then.
If you allow your card to be taken to the desk from your table, there's a skimming opportunity.
Another one I've heard of recently are those standalone, Dalek-looking Auto-teller kiosks, common in Westfiled malls and the like, which, in the right circumstances, can be tampered with without the knowledge (obviously), of the bank or institution. After hearing some hair-rasing stories I now avoid them like the plague. Use only wall-of-the-bank ones, and even then.
If you allow your card to be taken to the desk from your table, there's a skimming opportunity.
fronobulax
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dapmdave said:You should get your money back. It's not up to the good graces of your back -- it's the law.
Dave
Really? Last time I checked the law said that the consumer was liable for the first $50 of fraudulent charges provided that the fraud was reported in a timely fashion and liable for more if the report was not timely. However, I do think every card company operating waives the $50 but I was not aware that the law had actually changed. Maybe I missed something in the recent bank and fee reformation legislation?