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Somebody stole my credit card number. :(
- Thread starter Lyte Edge
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Pfucata said:
I already did. It said to call back at 8am. Odd when it says "24-hour customer service" on the back.
I'm just glad that I caught this early enough and that I didn't need to buy anything using my card in the last few days only to find it declined.
Ecrofirt said:
I have absolutely no idea how that worked considering she didn't lose a credit card. Everyone in my family is very protective of personal information. We never throw out envelopes with our name and address on them without shreding them, let alone credit card statements. Only thing I can think of is that they got into our mail before we did. All I know is that she was charged for gas at stations she had never gone to. How they managed to charge her card without having the actual physical card is beyond me.
If you go to a restaraunt and use a credit card, how hard do you suppose it is for them to copy down your number and name while they're running it through.
And you don't need a card to charge a credit card number. The number and the name is all that's really needed. But you typically need to be working somewhere to do it.
I heard of a scheme once where there were a bunch of people who worked at various stores and they would copy down credit card numbers and give them to each other so the charges weren't at the same place as the theft. It went on for a few months, apparently.
And then there's the old swipe it twice and take the cash out of the till trick to just get cash.
And you don't need a card to charge a credit card number. The number and the name is all that's really needed. But you typically need to be working somewhere to do it.
I heard of a scheme once where there were a bunch of people who worked at various stores and they would copy down credit card numbers and give them to each other so the charges weren't at the same place as the theft. It went on for a few months, apparently.
And then there's the old swipe it twice and take the cash out of the till trick to just get cash.
Matlock, it appears to be charges for Monster.com. Isn't that just a resume site? How could they be so large?
It's Wachovia. I'm not seeing any other numbers to call other than the one listed.
I don't understand why the company didn't notice the charges since I have NEVER spent that much money at one time before. Wouldn't that be a red flag to them to at least check up on it?
Pfucata said:
It's Wachovia. I'm not seeing any other numbers to call other than the one listed.
I don't understand why the company didn't notice the charges since I have NEVER spent that much money at one time before. Wouldn't that be a red flag to them to at least check up on it?
BigJonsson
Member
yea, they steal the number and make a card
fennec fox
ferrets ferrets ferrets ferrets FERRETS!!!
Actually I got taken for about $1600 the other day thanks to credit card fraud. I did get the money back, however, and very quickly, and I've since gotten a new card.
Must be all the porno sites I access. You can't trust those Santa Monica types.
Must be all the porno sites I access. You can't trust those Santa Monica types.
Everything someone would need to buy something online is right on the card. The name, number, expiry date, and security number on the signature line on the back.
Oh the receipt, yeah, some places put a lot of info on there. You should never leave a copy of a credit card receipt other than the one they need to have for their records behind. If they go "do you want the receipt?" say yes and throw it out yourself.
Oh the receipt, yeah, some places put a lot of info on there. You should never leave a copy of a credit card receipt other than the one they need to have for their records behind. If they go "do you want the receipt?" say yes and throw it out yourself.
If there's one thing that seriously peeves me, it's that a lot of places do include the complete credit card number on the receipt. It's a real pain in the ass. When we moved last, we had this huge box of credit card receipts to shred... if dumpster divers ever got smart to this, a lot of people would probably end up unhappy.
Ecrofirt said:
There's really only so much you can do. The best tactic is to be vigilant of your balance. If it seems unusually high, check it item by item and report anything suspicious. Online banking can be a real help in watching out for that sort of thing.
And go with a bank that has a reputation for warning of unusual spending habits. It's kind of reassuring (if a little weird) if they're almost too watchful so you get a call every now and then when you make a big purchase.
Just be sensible otherwise.
Found a number to call online and had my card cancelled immediately. I was told I have to call Monster to dispute this charge and if they give me a problem, I need to fill out a dispute charge on my statement. That's fine with me, but it also means I may have to wait until next week or the week after for the statement to come, and I don't like that. :\
I'm definitely going to be a lot more careful, that's for sure. There's no telling where someone got my number from though. I'm going to try using cash only at most places when I can now and stick to purchasing only from the sites I've been using for years now and feel comfortable with.
Miguel said:
I'm definitely going to be a lot more careful, that's for sure. There's no telling where someone got my number from though. I'm going to try using cash only at most places when I can now and stick to purchasing only from the sites I've been using for years now and feel comfortable with.
Fresh Prince
Banned
Hopefully you get your money back.
Anyway cash is best.
Anyway cash is best.
Fresh Prince said:
Thanks; I'm pretty sure it should be okay since I've never any other problems/disputes in the past, and my lawyer father, who is sleeping (it's 3am here) and has no idea any of this is happening will be up within a matter of hours to help me out.
Fresh Prince
Banned
Good to hear...having a lawyer around is always good.Lyte Edge said:
CaptainABAB
Member
Another thing to consider - find out if your credit card company has a temporary credit card number feature.
For example, with MBNA, I can go online and use their ShopSafe tool to get a new number that is tied to my credit card account BUT I can say how much is the spending limit, how long it is should be active, etc.
So, if I don't trust web site XYZ and I need to make a $50 purchase, I can create a number with a limit of $75 (to cover shipping) that expires in a month. This way, even if the site is not legit, they are limited to a $75 shopping spree.
And for something like porn sites, you can setup a recurring monthly payment # where there is a per-month limit and how many monthly payments it is valid for.
BTW, I had my wallet stolen and both of the credit card companies took off all charges the thief made the next morning without any hassles.
For example, with MBNA, I can go online and use their ShopSafe tool to get a new number that is tied to my credit card account BUT I can say how much is the spending limit, how long it is should be active, etc.
So, if I don't trust web site XYZ and I need to make a $50 purchase, I can create a number with a limit of $75 (to cover shipping) that expires in a month. This way, even if the site is not legit, they are limited to a $75 shopping spree.
And for something like porn sites, you can setup a recurring monthly payment # where there is a per-month limit and how many monthly payments it is valid for.
BTW, I had my wallet stolen and both of the credit card companies took off all charges the thief made the next morning without any hassles.
CaptainABAB
Member
The unusual thing about online purchases, is that in addition to the #, the name on the card and the expiration date, the good online sites will also ask for your Security Code - which is a 3 digit number near your signature.
It doesn't appear on statements b/c it is not part of the cards electromagnetic info and it is illegal for any website/company to store that # (except for the credit card companies themselves). It has to be verified and then immediately discarded. This # also does not appear on any receipts or statements, also by law. But again, not everyone uses it/requires it.
AND, they also ask for your address, as the credit card companies use that to verify online purchases. I think this person probably had all this info, but how they got it, who knows.
I'm not sure what they were doing at Monster, but I would think they should be able to find out...
If they were using it to post resumes, then look at the resume info and contact phone numbers. If they were using it to post jobs, then again, look at the contact info. If they were using it to buy merchandise (I know, people buy t-shirts here?), then where was it shipped? Maybe Monster recorded the IP of the person who used your card, etc. - and the credit card people MIGHT be interested in this info.
It doesn't appear on statements b/c it is not part of the cards electromagnetic info and it is illegal for any website/company to store that # (except for the credit card companies themselves). It has to be verified and then immediately discarded. This # also does not appear on any receipts or statements, also by law. But again, not everyone uses it/requires it.
AND, they also ask for your address, as the credit card companies use that to verify online purchases. I think this person probably had all this info, but how they got it, who knows.
I'm not sure what they were doing at Monster, but I would think they should be able to find out...
If they were using it to post resumes, then look at the resume info and contact phone numbers. If they were using it to post jobs, then again, look at the contact info. If they were using it to buy merchandise (I know, people buy t-shirts here?), then where was it shipped? Maybe Monster recorded the IP of the person who used your card, etc. - and the credit card people MIGHT be interested in this info.
Shipping addresses can be less than useful. I've heard a lot of the really nasty sorts who do credit card fraud will create a chain of unknowing dupes who forward mail sight unseen to other people (who, again, forward it on, and so on). Ever see those ads on lamp posts for jobs where you just sit at home and don't do anything? Some of those are probably for that sort of thing. Ebay scammers do the same sort of thing.
Lyte Edge said:
Yeap. Something similar.
Just around last month.
Got a mail from Bankone telling me I changed my address, which i didn't. Tried to log into my online site, but somehow the password changed. Called the company and found out whoever changed the card's address to somewhere in Maimi(i'm in CA), and charged 350 to some store in Texas.
They also couldnt' close my card immediately. Had to wait until the next morning. But that was all. Bankone took care of the rest. Didnt' have to pay for anything.
You may want to check ur credit report to make sure everything else is right. You can get them free in the westcoast now. Plus if you're a victim of identity fraud, u can get it free anyway, from anywhere.
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