stolen credit card

  • Posted by a hidden member.
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    May 31, 2014 8:19 PM GMT
    It seems like every 6 months, or less, my credit card number escapes into the wild and I get these fraudulent charges. Luckily Chase is on top of it and caught the last one, which was in Mexico.

    I don't know how it happens, I'm not ordering online from sketchy places. Hmm, I just noticed that 2 days ago I bought a burrito at a local taqueria, I wonder if their credit card system is compromised.

    Anyhow, it's annoying.

    Anyone else have this problem?
  • Bunjamon

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    May 31, 2014 9:02 PM GMT
    Could you have malware on your computer that's picking up your credit card number when you make online purchases?
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    May 31, 2014 9:06 PM GMT
    They say that gas stations and some ATMS are popular places for card numbers to be stolen. Make sure you're covering your card and pin number when using your card.
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    May 31, 2014 9:08 PM GMT
    It happens periodically. At one time, I thought I had traced the problem to a certain local gas station.

    The last time was a little bit interesting. There was a bogus $15 charge for a piece of software that I might have bought but didn't. The corresponding web site was a near-exact (but clearly fake) copy of the web site for a legitimate software company. If you called up the customer service number, you got an automated system that responded with the message, "an error has been discovered and your order was recently refunded." It gets refunded the day after you call.

    My bank didn't want to do anything about it "because the charge was refunded." icon_rolleyes.gif I had them cancel the card anyway.

    BTW: The main difference between the fake web site and the original one was the "customer service" page. If you are having problems with "the software," it directs you, in broken English, to download another piece of software that will allow their "customer service representatives" to take control of your computer and "restore efficiencies." Better yet, you are also supposed to install this software on all of the other computers in your house, in case one of them is interfering with "the software." icon_rolleyes.gificon_rolleyes.gificon_rolleyes.gificon_rolleyes.gif
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    May 31, 2014 9:20 PM GMT
    The reason I mentioned the taqueria is because the fraudulent charges were in Mexico. The first one was for $0.08, probably a little toe in the water test. The next one was for $49.

    The previous time was sort of like your software incident; they ordered a fully loaded Lenovo laptop, to the tune of over $3,000. Chase didn't catch it but I did.

    Just before I retired I was working on our credit card processing system, which we replaced with CyberSource, something similar to PayPal. The new rules for storing credit card numbers were breathtaking in their requirements so we had to get rid of our existing system. The banks lose gobs of money from fraudulent transactions, not that I feel sorry for them since they make multiple gobs in other ways.
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    May 31, 2014 9:23 PM GMT
    It's a possibility that the local taqueria's card system is compromised and they don't know about it. Good to know Chase is on top of things. Have you thought about having your card numbers changed?
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    May 31, 2014 9:28 PM GMT
    Erik101 saidIt's a possibility that the local taqueria's card system is compromised and they don't know about it. Good to know Chase is on top of things. Have you thought about having your card numbers changed?

    Every time this happens Chase immediately closes the existing card's account number and FedEx's me a new card. They must be sending new cards a lot because they were going to snail mail me the new card and I asked if they could send it faster and she said yes but it's still going to not be sent until Monday morning. Previously I think I got it on Sunday.
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    May 31, 2014 9:31 PM GMT
    Erik101 saidIt's a possibility that the local taqueria's card system is compromised and they don't know about it.

    I thought about asking to speak to the owner. Eventually Chase will catch on to where it's coming from. I don't doubt that they have their computers analyzing things.
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    May 31, 2014 9:34 PM GMT
    Lumpyoatmeal said
    Erik101 saidIt's a possibility that the local taqueria's card system is compromised and they don't know about it. Good to know Chase is on top of things. Have you thought about having your card numbers changed?

    Every time this happens Chase immediately closes the existing card's account number and FedEx's me a new card. They must be sending new cards a lot because they were going to snail mail me the new card and I asked if they could send it faster and she said yes but it's still going to not be sent until Monday morning. Previously I think I got it on Sunday.


    It's so strange that your card is exposed every 6 months. Something is wrong there and I would talk to Chase's fraud department and ask for their "expertise" on what you can do as a consumer for prevention.

    Btw, I quoted the word expertise because unlike the FBI, I don't expect banks to be top notch experts in financial criminal activity.
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    May 31, 2014 9:50 PM GMT
    Erik101 said
    Lumpyoatmeal said
    Erik101 saidIt's a possibility that the local taqueria's card system is compromised and they don't know about it. Good to know Chase is on top of things. Have you thought about having your card numbers changed?

    Every time this happens Chase immediately closes the existing card's account number and FedEx's me a new card. They must be sending new cards a lot because they were going to snail mail me the new card and I asked if they could send it faster and she said yes but it's still going to not be sent until Monday morning. Previously I think I got it on Sunday.

    It's so strange that your card is exposed every 6 months. Something is wrong there and I would talk to Chase's fraud department and ask for their "expertise" on what you can do as a consumer for prevention.

    Btw, I quoted the word expertise because unlike the FBI, I don't expect banks to be top notch experts in financial criminal activity.

    At this point I can't be bothered; it's inconvenient to be without a Visa card for a few days but I have a backup card.

    It could be that there's something about Chase's system that makes it easier for the scammers. Back when I was working a coworker told me that there's an algorithmic arithmetic test you can do on a credit card number to verify that it's a valid credit card number, before your software tries to use it in a real transaction, which will verify that it's a valid account number. The algorithmic test isn't necessary since the bank will catch it if it's an invalid credit card number or an invalid account. The "pre" test was useful for back in the days when people weren't immediately processing it through the bank over the internet, but were storing it and then later doing batch processes or whatever.

    So the scammers could be algorithmically generating credit card numbers and then taking them out for a spin.
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    May 31, 2014 9:58 PM GMT
    Lumpyoatmeal saidIt could be that there's something about Chase's system that makes it easier for the scammers.

    For example, with my other card I ordered a video camera from a place in New Jersey and unknown to me the credit card company blocked and put a hold on the charge. Expensive electronics is a common purchase with stolen credit cards. After I ordered the video camera I went to the grocery store and their cash register wouldn't take my credit card. When I got home there was a message on my answering machine from the credit card company about the New Jersey charge so I had to call them back and tell them it was ok.

    It seems that Chase lets the charges go through and then contacts me if they think it's bogus.
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    May 31, 2014 10:34 PM GMT
    I use my credit card a lot. Hasn't happened to me. I know my card/bank has protection against fraud, but I still take the extra precaution of not using my card in sketchy places or in "mom and pop" stores. I always carry some cash for these situations. I also check my bank statements online frequently.

    With all the recent news about stores (Target, etc) getting their data compromised, I've been thinking about buying/using prepaid Visa gift cards for daily purchases. The activation fees are typically $5, and most of them don't charge maintenance fees any more. Something you might want to consider Lumpy, if this sort of thing happens to you frequently.

    Also, might be a good idea to request a credit report, either the free one or the real one. It's possible that someone stole your identity and is opening credit cards (and possibly loans) with it.

    The free one: annualcreditreport.com

    Also, I believe you're entitled to a free "real" report in situations where you believe you're an ID theft victim.
  • Posted by a hidden member.
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    Jun 01, 2014 1:03 AM GMT
    Thanks for the annual credit report link; I just did that.

    I don't worry too much about mom and pop stores or possibly sketchy places because the risk is all on the credit card company. If you call them and tell them that a charge was unauthorized then they have to remove it; I think that's a law. The merchant could dispute it and show them a signed receipt, but you get the first blow, so to speak. It's basically a loan, and if you pay it in full each month it's a short term 0% loan, which is what I do. Even for big things; I'll make sure I have the money in savings or checking and then charge it, because I get points, in my case free money to spend on Amazon.

    Checking account debit cards are the worst in my opinion since the money is immediately withdrawn from your checking account. I had a coworker who lost a lot of money when his debit card number got out. I think he got some of it back but the banks can drag their feet since it's not their money. With a credit card they jump on it since it is their money.
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    Jun 01, 2014 1:15 AM GMT
    xrichx saidI use my credit card a lot.

    Same here. The cash in my wallet gets brown and brittle and moth eaten. I use my credit card for everything unless the merchant doesn't take them, and that's rare these days.
  • Posted by a hidden member.
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    Jun 01, 2014 1:42 AM GMT
    Happened to me 2-3 times but the credit card companies took care of it. I wouldn't really worry about credit card numbers getting stolen because most cards now have protections.

    I'd worry about credit cards account opened under my name without my knowledge.
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    Jun 01, 2014 1:57 AM GMT
    Maybe stop leaving your credit card on the bedside table when you have your Mexican orgies.
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    Jun 01, 2014 2:02 AM GMT
    Lumpyoatmeal saidAnyone else have this problem?
    Only once, learned how it happened, and now take precautions to prevent it from happening again.

    http://www.scambusters.org/skimming.html
  • Posted by a hidden member.
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    Jun 01, 2014 2:04 AM GMT
    http://www.cio-today.com/article/index.php?story_id=13300256TCCB
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    Jun 01, 2014 3:28 AM GMT
    shawnathan saidhttp://www.cio-today.com/article/index.php?story_id=13300256TCCB

    Kinda sad how the US is so behind on that kind of stuff.
  • Posted by a hidden member.
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    Jun 01, 2014 3:34 AM GMT
    I had 2 cards in one month get compromised. Both from restaurants! The worst part is having to call your Elec. Water, Gas, Cable, Gym etc. to tell them your new number for auto bill payment. Nothing worse than having your gym say,,, opps, your payment is behind, please go talk to an adviser before working out.

    Ugggg..icon_rolleyes.gif
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    Jun 01, 2014 3:37 AM GMT
    TheGuyNextDoor saidI had 2 cards in one month get compromised. Both from restaurants! The worst part is having to call your Elec. Water, Gas, Cable, Gym etc. to tell them your new number for auto bill payment. Nothing worse than having your gym say,,, opps, your payment is behind, please go talk to an adviser before working out.

    Ugggg..icon_rolleyes.gif

    I had exactly that happen at a gym after I lost a debit card and got a new one issued. Not that I have that many automatic debits, but I always seem to forget one to update. icon_redface.gif
  • Posted by a hidden member.
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    Jun 01, 2014 3:42 AM GMT
    polfsky said
    I'd worry about credit cards account opened under my name without my knowledge.

    Then read this thread I started about what happened to my husband today with a fraudulent card application made in his name.

    http://www.realjock.com/gayforums/3839946/
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    Jun 01, 2014 4:12 AM GMT
    xrichx said
    shawnathan saidhttp://www.cio-today.com/article/index.php?story_id=13300256TCCB

    Kinda sad how the US is so behind on that kind of stuff.
    Yeah they're not perfect, but they seem to be a lot better than the strips.
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    Jun 01, 2014 6:58 AM GMT
    The last time I had a fraudulant charge on a credit card was over 10 years ago. I had left the Amex at a bagel place in South Florida. I called, they said they had the card. I went back to the restaurant and by the time I got there, they couldn't find the card. I called Amex. They asked me if, after the bagel shop purchase I had ordered a delivered pizza from Papa Johns. I stated that I had not. They took the charge off and issued me a new card.

    Who ever ordered that delivered pizza was definitely "not smart".
  • Posted by a hidden member.
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    Jun 01, 2014 7:04 AM GMT
    A guy from highschool stole my credit card when I forgot it at the gas station :@

    Like ten years ago..