Credit card fraud - Page 3

90503 · 02-21-2013, 11:29 AM

Quote:

Originally Posted by IMJ

Honestly, even filing a police report is useless. You are better off going through your credit card company fraud protection for any real action. They launch their own private investigations.

A couple years back my company sent several of us to Puerto Rico to stay at the Rio Mar resort to receive this award thing. We were all given stipends, but we had to give our credit card numbers to the hotel front desk for financial holds for the rooms, and we were later reimbursed.

Basically, each and every one of us there had all sorts of charges from places all over the states by the time we came back because the staff at the Rio Mar were had some thing going on where they were stealing and using the numbers. As far as I know, most of us (myself included) took action by going through our credit provider who changed the numbers, denied the payouts, etc.

My credit card co. immediately reversed some fraud charges I had...but I was required to file a police report...(cost 10 bucks)...and send the cc company a copy...just sayin'....

v6sonoma · 02-21-2013, 11:32 AM

I wouldn't worry too much. Usually the bank will reverse the charges and investigate. As long as they don't find evidence that the cardholder actually made the charges there is no further action.

It happened to me a year ago. Someone in Dubai was ordering stuff online. Like stock images and plane tickets. I noticed it first while paying bills and alerted the bank. 2 days later they called and asked about more strange charges. Once the shut off the card they did a reversal a few days later and mailed me a new card.

A lot of times it's caused by hackers that steal information from a reputable site and then try to use the card numbers.

dkp2LT · 02-21-2013, 11:36 AM

ooohhh.... Are we talking cc fraud or debit card fraud? I realize that a debit card can be stolen also but I never use my debit card for on-line purchases. Have to be careful where you use a debit card...

Jarvin · 02-21-2013, 11:51 AM

Quote:

Originally Posted by 90503

My credit card co. immediately reversed some fraud charges I had...but I was required to file a police report...(cost 10 bucks)...and send the cc company a copy...just sayin'....

I had to do exactly the same. But the police report was at least for free.

Scalded Dog · 02-21-2013, 01:34 PM

Yep, happened to me last weekend. Some woman assumed my name (Sandy), and created her own full identity, with a driver's license and credit cards. I discovered it when my card wouldn't work at the gas station. Dude cut it up right in front of me! Cops said that couldn't do anything about since she was in Florida, I was in Denver. So, I hopped a plane, and found her. What a mess! She was running from some other crooks she had ripped off. She crashed into my rental car with her Mini Cooper, but I still caught up to her. Dragged her back to Denver... what a crazy adventure THAT was. Got her back to the house, where my kids took a liking to her... dang it. Then, she confessed to everything! It was great... I got my job back, my money was refunded, and she got sentenced to ten years in the pokey. But, we're all great friends now. We visit her in prison all the time. Can't wait until she gets out!

06_warrior · 02-21-2013, 01:40 PM

Quote:

Originally Posted by Scalded Dog

Yep, happened to me last weekend. Some woman assumed my name (Sandy), and created her own full identity, with a driver's license and credit cards. I discovered it when my card wouldn't work at the gas station. Dude cut it up right in front of me! Cops said that couldn't do anything about since she was in Florida, I was in Denver. So, I hopped a plane, and found her. What a mess! She was running from some other crooks she had ripped off. She crashed into my rental car with her Mini Cooper, but I still caught up to her. Dragged her back to Denver... what a crazy adventure THAT was. Got her back to the house, where my kids took a liking to her... dang it. Then, she confessed to everything! It was great... I got my job back, my money was refunded, and she got sentenced to ten years in the pokey. But, we're all great friends now. We visit her in prison all the time. Can't wait until she gets out!

Are you guys going to get married while she's in prison?

2001ragtop · 02-21-2013, 01:45 PM

If you do not trust a vendor, then use PAYPAL or something like that, or only use a card that has a pretty low credit limit, such that if anyone did use it, they wouldn't really be able to rack it up very far.

If you have a credit card with an astronomical credit limit, you should not use that for random purchases online.

but of course anything can happen. it sounds like you caught the problem in time.

Angrybird 12 · 02-21-2013, 01:48 PM

Quote:

Originally Posted by Scalded Dog

Yep, happened to me last weekend. Some woman assumed my name (Sandy), and created her own full identity, with a driver's license and credit cards. I discovered it when my card wouldn't work at the gas station. Dude cut it up right in front of me! Cops said that couldn't do anything about since she was in Florida, I was in Denver. So, I hopped a plane, and found her. What a mess! She was running from some other crooks she had ripped off. She crashed into my rental car with her Mini Cooper, but I still caught up to her. Dragged her back to Denver... what a crazy adventure THAT was. Got her back to the house, where my kids took a liking to her... dang it. Then, she confessed to everything! It was great... I got my job back, my money was refunded, and she got sentenced to ten years in the pokey. But, we're all great friends now. We visit her in prison all the time. Can't wait until she gets out!

spyder · 02-21-2013, 01:53 PM

I work for an IT company and this is a very common situation for many of our clients.
Before pointing at vendors I recommend you to check your own system's security first. Have you scanned your system for viruses? There are key loggers out there that record every key-stoke from your keyboard and upload them back to the repository. You could be running the latest and greatest Mcafee, Norton or another virus protection suite and still get infected. There is no 100% protection against viruses even if a software company claims to have it. Aside from your personal security a vendor could be involved if they have weak security on their systems so before you pay any vendor make sure they are using valid SSL certificates for transactions. There's multiple points from where the info can be stolen from but as I mentioned the first concern should be your own personal PC. PM me if you need additional help securing your system.

Mutant Racer · 02-21-2013, 02:08 PM

I'm having a hard enough time convincing Visa that a 2SS needs to drink lots of gas, they think my MPG is so bad that I must be getting ripped off, so they keep shutting down my card.

I'm on the phone with them at least once a week. I can't imagine how bad the fraud is.

Mick1 · 02-21-2013, 02:13 PM

Two of my CC (BOA and Citibank) have the feature of creating temporary CC # for internet purchases.

You would enter the amount you want to spend and the expiration date. The CC# is only good for one merchant, so other people cannot re-use it.

SC2150 · 02-21-2013, 05:06 PM

One of the first signs is a small charge your likely to miss to "test" the card....then watchout. CC company willbe your best at fighting it.

As for PayPal. I sold a supercharger system off my viper several years ago for $5800, and the buyer filed a dispute claiming wasnt as ordered. (It was) and they refunded him AND he kept the SC......so that was a costly mistake. We even tracked him to other vendors he ripped the same way & paypal would do nothing for us the vendor even with the proof of a pattern of doing the same (we were the biggest sale at the time).

dkp2LT · 02-21-2013, 05:11 PM

Quote:

Originally Posted by Scalded Dog

Yep, happened to me last weekend. Some woman assumed my name (Sandy), and created her own full identity, with a driver's license and credit cards. I discovered it when my card wouldn't work at the gas station. Dude cut it up right in front of me! Cops said that couldn't do anything about since she was in Florida, I was in Denver. So, I hopped a plane, and found her. What a mess! She was running from some other crooks she had ripped off. She crashed into my rental car with her Mini Cooper, but I still caught up to her. Dragged her back to Denver... what a crazy adventure THAT was. Got her back to the house, where my kids took a liking to her... dang it. Then, she confessed to everything! It was great... I got my job back, my money was refunded, and she got sentenced to ten years in the pokey. But, we're all great friends now. We visit her in prison all the time. Can't wait until she gets out!

Don't tell me the ending!!

Jarvin · 02-21-2013, 05:44 PM

Quote:

Originally Posted by SC2150

One of the first signs is a small charge your likely to miss to "test" the card....then watchout. CC company willbe your best at fighting it.

As for PayPal. I sold a supercharger system off my viper several years ago for $5800, and the buyer filed a dispute claiming wasnt as ordered. (It was) and they refunded him AND he kept the SC......so that was a costly mistake. We even tracked him to other vendors he ripped the same way & paypal would do nothing for us the vendor even with the proof of a pattern of doing the same (we were the biggest sale at the time).

Thank you very much for your advise

but it is not easy the react if the person or anything else made a lot of transactions in middle in the night.

10 hours later I got an phone call from my bank.
That was a shock.

02-21-2013, 11:32 AM	#30
v6sonoma Drives: 2010 SS RS Join Date: Jun 2009 Location: Providence, RI Posts: 8,108 View My Garage	I wouldn't worry too much. Usually the bank will reverse the charges and investigate. As long as they don't find evidence that the cardholder actually made the charges there is no further action. It happened to me a year ago. Someone in Dubai was ordering stuff online. Like stock images and plane tickets. I noticed it first while paying bills and alerted the bank. 2 days later they called and asked about more strange charges. Once the shut off the card they did a reversal a few days later and mailed me a new card. A lot of times it's caused by hackers that steal information from a reputable site and then try to use the card numbers. __________________ Mods: BBK Intake, BBK LT's and High Flow Cats, Corsa Cat-back exhaust, Hurst short throw shifter, SLP skip-shift eliminator. 7/1/09 Placed order for IOM/IO int/ SS/RS 6M 9/26/09 Took delivery!

02-21-2013, 11:36 AM	#31
dkp2LT Drives: '11 2SS, '11 C6 GS, '04 MDX Join Date: Feb 2012 Location: Kearney, MO Posts: 2,907	ooohhh.... Are we talking cc fraud or debit card fraud? I realize that a debit card can be stolen also but I never use my debit card for on-line purchases. Have to be careful where you use a debit card...

02-21-2013, 01:34 PM	#33
Scalded Dog Drives: 2011 1LT Join Date: Mar 2012 Location: Crestline, CA Posts: 3,029	Yep, happened to me last weekend. Some woman assumed my name (Sandy), and created her own full identity, with a driver's license and credit cards. I discovered it when my card wouldn't work at the gas station. Dude cut it up right in front of me! Cops said that couldn't do anything about since she was in Florida, I was in Denver. So, I hopped a plane, and found her. What a mess! She was running from some other crooks she had ripped off. She crashed into my rental car with her Mini Cooper, but I still caught up to her. Dragged her back to Denver... what a crazy adventure THAT was. Got her back to the house, where my kids took a liking to her... dang it. Then, she confessed to everything! It was great... I got my job back, my money was refunded, and she got sentenced to ten years in the pokey. But, we're all great friends now. We visit her in prison all the time. Can't wait until she gets out!

02-21-2013, 01:45 PM	#35
2001ragtop Drives: V8 american car Join Date: Aug 2006 Location: Dallas, Tx Posts: 1,417	If you do not trust a vendor, then use PAYPAL or something like that, or only use a card that has a pretty low credit limit, such that if anyone did use it, they wouldn't really be able to rack it up very far. If you have a credit card with an astronomical credit limit, you should not use that for random purchases online. but of course anything can happen. it sounds like you caught the problem in time.

02-21-2013, 01:53 PM	#37
spyder Drives: 2010 V6 \| M6 Join Date: Feb 2010 Location: new york Posts: 298	I work for an IT company and this is a very common situation for many of our clients. Before pointing at vendors I recommend you to check your own system's security first. Have you scanned your system for viruses? There are key loggers out there that record every key-stoke from your keyboard and upload them back to the repository. You could be running the latest and greatest Mcafee, Norton or another virus protection suite and still get infected. There is no 100% protection against viruses even if a software company claims to have it. Aside from your personal security a vendor could be involved if they have weak security on their systems so before you pay any vendor make sure they are using valid SSL certificates for transactions. There's multiple points from where the info can be stolen from but as I mentioned the first concern should be your own personal PC. PM me if you need additional help securing your system.

02-21-2013, 02:08 PM	#38
Mutant Racer Drives: 2015 2LT Torch Red C7 Stingray Join Date: Jul 2012 Location: Chicago Posts: 1,807 View My Garage	I'm having a hard enough time convincing Visa that a 2SS needs to drink lots of gas, they think my MPG is so bad that I must be getting ripped off, so they keep shutting down my card. I'm on the phone with them at least once a week. I can't imagine how bad the fraud is.

02-21-2013, 02:13 PM	#39
Mick1 Drives: 2013 2SS LS3 Join Date: Feb 2013 Location: California Posts: 170	Two of my CC (BOA and Citibank) have the feature of creating temporary CC # for internet purchases. You would enter the amount you want to spend and the expiration date. The CC# is only good for one merchant, so other people cannot re-use it.

02-21-2013, 05:06 PM	#40
SC2150 Account Suspended Drives: 2012 Camaro RS, RX supercharged Join Date: Dec 2009 Location: Bradenton, FL Posts: 6,063	One of the first signs is a small charge your likely to miss to "test" the card....then watchout. CC company willbe your best at fighting it. As for PayPal. I sold a supercharger system off my viper several years ago for $5800, and the buyer filed a dispute claiming wasnt as ordered. (It was) and they refunded him AND he kept the SC......so that was a costly mistake. We even tracked him to other vendors he ripped the same way & paypal would do nothing for us the vendor even with the proof of a pattern of doing the same (we were the biggest sale at the time).

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