freakindawgen
Blackhawk
My was hit 3 times in the past. All online. Bank caught last one as a fraudulent seller (bogus site) other times they said went thru ebay.
credit card info stolen AGAIN
- Thread starter Mobuck
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I'm convinced there is nothing you did, or can do, to change this. I have one credit card that was simply prone to fraud. Three times in a year, like you said. Once was a charge (several thousand dollars) from a resort some where in Europe. Another time it was a few hundred from a Wal-Mart, ironically not far from home, but I haven't set foot in a Wal-Mart since they stopped selling guns and that's a long time ago. Another time I got a notice from the credit card company asking if I made some purchase (legit, since I logged into my account on a separate computer, and saw the charge). So I contacted them and informed them of the fraudulent activity.
Here's the problem. That card never leaves my wallet. Ever. I only used my Apple Watch to pay, which allegedly uses some kind of secure protocol and doesn't even use the credit card number or CVV codes. So no one sees the card, it didn't get "skimmed", nothing like that.
Another problem: This is only one of several credit cards I use. Yet it just seems prone to fraud. If it's being scanned by some kind of remote scanning activity then why is it the only one affected. So, I basically stopped using it entirely. What good is it when the CC company keeps disabling the card? I can't rely upon it.
Now for my conspiracy theory. I have never paid a nickel in credit card interest, not to them, not to anyone. I use credit cards strictly for the convenience of using them. So maybe the credit card company just doesn't want my business? Who knows, I really don't care. I have been keeping between $2000 and $3000 in my wallet all the time, just in case another credit card, or all my credit cards decide to stop working.
What happens when cash transactions become illegal? I suspect that is in our future. The US already has a social credit system, just like the CCP. Get ready to adapt.
Here's the problem. That card never leaves my wallet. Ever. I only used my Apple Watch to pay, which allegedly uses some kind of secure protocol and doesn't even use the credit card number or CVV codes. So no one sees the card, it didn't get "skimmed", nothing like that.
Another problem: This is only one of several credit cards I use. Yet it just seems prone to fraud. If it's being scanned by some kind of remote scanning activity then why is it the only one affected. So, I basically stopped using it entirely. What good is it when the CC company keeps disabling the card? I can't rely upon it.
Now for my conspiracy theory. I have never paid a nickel in credit card interest, not to them, not to anyone. I use credit cards strictly for the convenience of using them. So maybe the credit card company just doesn't want my business? Who knows, I really don't care. I have been keeping between $2000 and $3000 in my wallet all the time, just in case another credit card, or all my credit cards decide to stop working.
What happens when cash transactions become illegal? I suspect that is in our future. The US already has a social credit system, just like the CCP. Get ready to adapt.
epags
Single-Sixer
My experience is that if you are using a national credit card like MasterCard or Visa they don't care if you maintain a balance since they get a cut of every purchase price. Spouse and I have cards for both (never know when one gets hacked and you need to buy something) We haven't had a balance for many, many years but spend $$$ every month that we pay it all at the end of the month.
Hacked CCs....we do not use our CCs for monthly and annual recurring charges with the exception of a couple that do not allow any other way to pay. It is a PITA to contact each company and provide a new card number every time your card is hacked.
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I had a fraudulent charge on my online store. It looked fraudulent to me immediately so I never shipped the product. I had an email exchange with the "customer" and I told him that I would not be shipping the product but I would be initiating a refund. The money came through to my account, the refund was unable to be processed, so I was forced to wait on the customer charge back (which is when the customer reports fraudulent purchase on their card). Once the chargeback came in I did not dispute it and refunded the money.
The purchase was for almost $4,000 and cost me $200 in processing fees which I never recovered. That was the last straw for me and I closed my online store shortly after. Now I only do business face to face.
The purchase was for almost $4,000 and cost me $200 in processing fees which I never recovered. That was the last straw for me and I closed my online store shortly after. Now I only do business face to face.
Before I retired I was purchasing aircraft parts for a fleet of nine aircraft. Each aircraft had a credit card issued to it and not a month went by where one and sometimes two cards were hacked. It always started with a $1.00 charge at a pizza shop outside L.A. and then came a shopping spree at Best Buy! The credit card company would issue new cards and the fun would start all over again. As far as I know nobody was ever persued never mind caught or prosecuted. I think the banks just consider this as a cost of doing business and the thieves consider it free money.
Vistafjord
Bearcat
You should freeze your credit scores with experian, equifax and transunion to help prevent identity theft
Bruce51
Bearcat
I have a very interesting story about CC theft to share. Have had my CC number breached several times and I believe it was always after using it at Home Depot. One time a fancy toilet was ordered to be shipped to Bakersfield. I put a stop to that at the CC company and the vendor. Then again I received notice that I had purchased a Disney family membership. Was not me and it took some work to get Disney to stop the emails.
I saved the best for last. I received an email notice from UPS that my new CC was being delivered the next day.
Problem is I did not order a new card and it was going to an address in New Mexico. Called the CC company and even though the card was in transit it was deactivated. The customer service person told me that I would be getting a new card in three to five days. Yet they can overnight a new card to a scammer! Anyway I was also told that the scammer was able to answer all the security questions. Good time to stop using my mother's maiden name and other things easily accessed on the internet.
Now for the end. I waited until UPS informed me that the card was delivered. It was an apartment complex so I called the office and asked if my card was there. Yes it was along with several others. Told the person about the scammer and that was all I could do. Card was not active and the security questions were changed.
BTW after all of this I now tell the CC company to overnight the card. If they can send it to a scammer overnight they sure can do the same for me!
Bruce
I saved the best for last. I received an email notice from UPS that my new CC was being delivered the next day.
Problem is I did not order a new card and it was going to an address in New Mexico. Called the CC company and even though the card was in transit it was deactivated. The customer service person told me that I would be getting a new card in three to five days. Yet they can overnight a new card to a scammer! Anyway I was also told that the scammer was able to answer all the security questions. Good time to stop using my mother's maiden name and other things easily accessed on the internet.
Now for the end. I waited until UPS informed me that the card was delivered. It was an apartment complex so I called the office and asked if my card was there. Yes it was along with several others. Told the person about the scammer and that was all I could do. Card was not active and the security questions were changed.
BTW after all of this I now tell the CC company to overnight the card. If they can send it to a scammer overnight they sure can do the same for me!
Bruce
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I've had people use my new card even before I got a replacement. Twice. Bank covered the theft.
Killer Bee
Single-Sixer
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actually, freezing and/or locking credit company activity is a great way to prevent attacks and does not affect your credit score
kcsteve
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The cashier at kfc dropped my card and it made me suspicious of her actions. But, aside from diving over the counter and head locking the cashier, what can you do?
Two weeks latter my suspicions were confirmed. Two wigs and a set of fake fingernails were charged to my card from Dallas, TX. The rotten toothed, tattooed cashier was long gone, too.
The card company made it right, but you never hear if they caught the thieves.
Two weeks latter my suspicions were confirmed. Two wigs and a set of fake fingernails were charged to my card from Dallas, TX. The rotten toothed, tattooed cashier was long gone, too.
The card company made it right, but you never hear if they caught the thieves.
Think what you wish and I'm happy if a freeze worked for you.
I spent decades in that business ( credit / collections / ID theft ) and most don't see the unintended consequences of a freeze until it's too late.
Granted, it's gotten easier with technology and changes implemented by the "big 3" CRA's but dangers still lurk.
And in this particular case, a freeze wouldn't have done a thing.
Oh, and a freeze won't prevent an attack; just like carrying a concealed weapon won't keep you from being attacked.
I spent decades in that business ( credit / collections / ID theft ) and most don't see the unintended consequences of a freeze until it's too late.
Granted, it's gotten easier with technology and changes implemented by the "big 3" CRA's but dangers still lurk.
And in this particular case, a freeze wouldn't have done a thing.
Oh, and a freeze won't prevent an attack; just like carrying a concealed weapon won't keep you from being attacked.
DGW1949
Hunter
Here's an interesting story which could easily go right along with this thread:
A patient walks into his doctor's office, sits down, and the doctor asks him what the problem is....At that, the patient pulls out a hammer and starts hitting himself in the head....then says to the doctor "it hurts when I do this, so how do stop it from doing that?....The doctor thinks a moment then replies "well, the easiest fix is just don't do that".....
....Yeah, most self inflicted problems usually are an easy fix.
DGW
A patient walks into his doctor's office, sits down, and the doctor asks him what the problem is....At that, the patient pulls out a hammer and starts hitting himself in the head....then says to the doctor "it hurts when I do this, so how do stop it from doing that?....The doctor thinks a moment then replies "well, the easiest fix is just don't do that".....
....Yeah, most self inflicted problems usually are an easy fix.
DGW
Killer Bee
Single-Sixer
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- 255
apropos of the previous comment - it is not a horrible idea to freeze your credit, it's actually highly recommended for proactive defense, but especially after personal information has been compromised
freezing credit activity prevents attacks against your credit, opening fraudulent accounts, etc. - the big stuff that bankrupts people
no it doesn't prevent a big mac attack however that's not really anything more than a nuisance.. further use of that stolen information is what freezing can protect people from
I actually don't know any references where freezing is not recommended or has any negative effects
the rest of it sounds like y'all need to stop eating so much fast food in seedy locations or use low balance debit cards or prepaid cards when you do
I have a couple of low balance cards for the nanny and kids to use.. I manage the balances online and keep them under the amounts I'm willing to lose without remorse
otherwise I'm very particular where I use my cards.. we do live in orange county but both work in metro LA.. I think we're about as vulnerable here as anywhere yet we haven't had those issues based on our security posture
good luck to y'all whatever defense(s) you choose!
btw D/Sgt Mrs. Bee is a fraud specialist but at a much higher level.. however I do follow her consumer level advice
freezing credit activity prevents attacks against your credit, opening fraudulent accounts, etc. - the big stuff that bankrupts people
no it doesn't prevent a big mac attack however that's not really anything more than a nuisance.. further use of that stolen information is what freezing can protect people from
I actually don't know any references where freezing is not recommended or has any negative effects
the rest of it sounds like y'all need to stop eating so much fast food in seedy locations or use low balance debit cards or prepaid cards when you do
I have a couple of low balance cards for the nanny and kids to use.. I manage the balances online and keep them under the amounts I'm willing to lose without remorse
otherwise I'm very particular where I use my cards.. we do live in orange county but both work in metro LA.. I think we're about as vulnerable here as anywhere yet we haven't had those issues based on our security posture
good luck to y'all whatever defense(s) you choose!
btw D/Sgt Mrs. Bee is a fraud specialist but at a much higher level.. however I do follow her consumer level advice
Local couple on a Saturday afternoon drive 100 miles to St Louis to buy a new car.
Spend all the time and effort to secure a deal.
Fill out forms with F&I people and ….. denied. Poof; no new car.
Following Monday they come to me to see if I could help with their credit.
As bad luck would have it, they forgot to "thaw out" their credit before making the application. So, it appeared to the lender they had NO credit and were denied.
=================================
Another family got notice from their homeowners insurance company they will not renew their policy.
The problem? They had frozen their credit and didn't realize insurance has the right to check your credit before they renew a policy.
Getting that insurance cancellation of their record was quite a chore too.
Anyway, I saw a lot of those things …. Folks just gotta be careful. Freeze isn't a cure all to end all.
Spend all the time and effort to secure a deal.
Fill out forms with F&I people and ….. denied. Poof; no new car.
Following Monday they come to me to see if I could help with their credit.
As bad luck would have it, they forgot to "thaw out" their credit before making the application. So, it appeared to the lender they had NO credit and were denied.
=================================
Another family got notice from their homeowners insurance company they will not renew their policy.
The problem? They had frozen their credit and didn't realize insurance has the right to check your credit before they renew a policy.
Getting that insurance cancellation of their record was quite a chore too.
Anyway, I saw a lot of those things …. Folks just gotta be careful. Freeze isn't a cure all to end all.
Trust me it gets investigated.....exhaustingly investigated.....there can be so many layers to peel back, a lot of times peeled back to outside of CONUS and THEN the real fun begins. Average folks just don't know what it takes and feel nobody cares or is doing anything about their case....Financial Crime and ORC are very sophisticated and frustrating...and often go unresolved, but case kept open in case there is a break.
Hard to carry hundreds of dollars in cash!!!
gramps
We the people never see the end result, therefore the belief that banks just eat the charges. It would be nice if we were kept in the loop!!!
gramps
Not really, a few hundred dollar bills take the same space as three one dollar notes, the trick is GETTING the hundred dollar bills demand a trip to the bank which I do monthly.
