Credit Card ID Stolen

[gandalf252002 Senior Member Find all posts View Profile Close gandalf252002]

I have not really been following this thread much; as luckily I have never had any issue with my CC being stolen or fraudulently used (cross my fingers).

However, curious how many of you have the new chip cards? I have been hearing lately that all companies are going to start using these. There have also been people who say that once they do the liability issue will change and users will be responsible for charges.

The idea being, that if you give your PIN to somebody and they get a hold of the card than you should be responsible. Do not really like this idea, as just the other day the company I was at had "issues" with the card reader. Not only did I not have to enter my PIN but also no signature was required. They were able to just swipe and go!

This is another reason I would never use “Pay Pass” or any type of card that allows this type of use.

[bnoble Senior Member Find all posts View Profile Close bnoble]

Chip-and-PIN cards are gaining traction in Europe and elsewhere, but have not much in the US yet. I doubt it will change the liability question---that's a matter of law, not policy, as I understand it.

http://www.nytimes.com/2009/10/04/tr...4pracchip.html

Also, the chip-and-PIN cards require physical contact, unlike the Pay Pass-style cards, which use RFID chips and can be scanned remotely.

[M. Henley Class President Find all posts View Profile Close M. Henley]

OF Neighbor??

Same neighbor who doesn't like your hawg fence?

Sorry for the delay . . . I've been working hard on our FL house . . . the beach and Gulf water are absolutely perfect today!!!

BOA caught it and called me. I had 3 online transactions from home, and then there were two transactions in the Atlanta area not long after. So, a security program at BOA caught it.

Not having the old account . . . or the new one activated . . . was problematic yesterday, but BOA gave me a toll-free number for merchants to call to force transactions on the old account, but only when I was at the POS. That's how I got the rental car. Got a Kia SOUL. Cool!

When BOA called yesterday morning I was also dealing with two neighbor dog attacks on our houseguests, trying to get a RE contract on the house DW is buying delivered, and get around and get to the airport.

With all that going on, all I missed out on was dinner at Shells in Tampa, cuz it took so long to get the rental car.

Beautiful day here. Our winter home is doing fine.

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

Same neighbor who doesn't like your hawg fence?

No, back home neighbors.

[mdurette Senior Member Find all posts View Profile Close mdurette]

Our Citi credit card was hacked this year too. It was used to purchased some on-line stuff (less that $100 worth) that was sent to us, not to whoever stole the card number. I filed with the CC company to get the charges removed which they did but then the card was used again the next month to buy a credit report! That really scared me and I canceled the card. I check my credit card statements on-line almost weekly so I catch anything that looks weird pretty quickly.

I had the same thing happen to me earlier this year.
Two small items from an online retailer on my doorstep.
One Entertainment club book mailed to me.
Netflix account opened.
All together no more than $60.
Chase and I both decided to monitor (hassle to change cc #, so many things are auto billed)
Untill yesterday.....I received a call from a medical supplier who took an order yesterday. My name, address and cc number. But, a different ship to. He said it "smelled" wrong so he googled my name and came up with my cell number and called me. (my cell number is online on my work site). The purchase was for a couple of thousand.

I called Chase - they just closed out the account - no care about catching the person.

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

Today is the first day I can view our account online again.

But, all I can see is the balance; I can't view transactions. I assume that's because we have not activated the new account, which is because we have not received it in the mail yet.

Since I am away home and since we have had unauthorized activity, viewing transactions is something I think would be important.

Ya think?

The balance I see seems high.

I sent a message to customer service, but I probably will beat their reply home, and our new card will probably be there.


- - - - - -
From others' comments, it appears CC companies do not pursue fraudulent use(rs). Ya think they just charge back the merchants and let it go at that? So, the merchants are outta luck.

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

It's happened again.

We just got a call from the Fraud Department. Our card is being used in Chattanooga. $20 at KFC. $25 at Citgo. $535 at Walgreens. It supposedly got swiped at each of those locations.

The new account replacing the account that got closed in June is now closed.

I can't view any of our transactions online and we have a due date likely before I will be able to. I always pay it online, so . . .

That means all of the companies I have our card on record with will be declined at the next auto-payment. I'm not sure I have a record of who all that is with us here.

Oh well.

[Carolinian Super Moderator Find all posts View Profile Close Carolinian]

Our Citi credit card was hacked this year too. It was used to purchased some on-line stuff (less that $100 worth) that was sent to us, not to whoever stole the card number. I filed with the CC company to get the charges removed which they did but then the card was used again the next month to buy a credit report! That really scared me and I canceled the card. I check my credit card statements on-line almost weekly so I catch anything that looks weird pretty quickly.

One moronic program that ''PayPal'' set up to thwart credit card thieves was in itself a problem and is one of the reasons I despise PayPal and avoid them. Some merchants had a high ranking PayPal status, I forget what it was called, or all the attributes of it, but one thing I discovered is that if you bought something online from a merchant with that status, then PayPal prepared the mailing label and they used the credit card billing address as the shipping address for the label.

My problem was that when I took my job over here, I put a forwarding address on my NC PO Box so the mail would automatically be sent here. My street address, which I almost never used for mail would continue to be delivered in NC, as long as my wife was there doing some things on the house. She wanted to install a tankless water heater, and I ordered one from a merchant on eBay buy-it-now. At that time my billing address on the credit card I used was my NC PO Box. Even though my eBay screens, which I printed off, clearly show the street address in NC as the shipping address, so it would go the right place, PayPal sent the merchant a shipping label with my PO Box, and the Post Office duly forwarded the tankless water heater thousands of miles here. My wife was concerned that it had not shown up there yet and I asked the merchant to have a trace put on it. The same day I went by the post office here, and in my PO Box here was a notice to pick up a package. I was not expecting anything, so I went to the office to pick up whatever it was, and it was the tankless water heater that my wife was looking for in NC!

Both the merchant and PayPal refused to pay the postage (substantial) to mail it back to NC, so I had the aggravation of taking it as part of my checked luggage on my next trip back to the States. That is one of several reasons why I do my best to NEVER deal with ''PayPal''. They were NOT my pal in arbitrarily changing the shipping address I had specified and with absolutely no notice to me that they were doing it.

[Carolinian Super Moderator Find all posts View Profile Close Carolinian]

Chip-and-PIN cards are gaining traction in Europe and elsewhere, but have not much in the US yet. I doubt it will change the liability question---that's a matter of law, not policy, as I understand it.

For Americans, Plastic Buys Less Abroad - NYTimes.com

Also, the chip-and-PIN cards require physical contact, unlike the Pay Pass-style cards, which use RFID chips and can be scanned remotely.

Chip-and-PIN is spreading in eastern Europe. I have two cards from two different banks, one in the country I work in and one in a nearby eastern European country that is in the EU. My bank in the EU has issued chip-and-PIN cards since I have had the account. I get my renewal card Wednesday from my bank here and have been told it will be Chip-and-PIN, too. Until now banks here have NOT issued Chip-and-PIN cards at all.

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

I can see online that we have a new account although the cards have not arrived yet.

I have taken note of the transactions we did in the week prior to the fraud. I'm surprised that the first fraudulent use of $505 at a Walgreens in an area we never are in got approved.

If I can, I will take a look at who we did business with just before it happened the last time.

[Presley Senior Member Find all posts View Profile Close Presley]

I can see online that we have a new account although the cards have not arrived yet.

I have taken note of the transactions we did in the week prior to the fraud. I'm surprised that the first fraudulent use of $505 at a Walgreens in an area we never are in got approved.

If I can, I will take a look at who we did business with just before it happened the last time.

Last time my CC info was stolen, I eventually remembered an incident that happened about a month before. I was making a purchase at an airport gift shop in Orlando, and after they gave my card back another employee came running up and said she was supposed to run the cards on a different machine. It was a hand held machine, and I didn't know about the common theft that way at the time.

So, it seemed to take about a month for them to actually use that info to make a new plastic card and start using it. They booked a lot of out of the country airline tickets, so the CC company did call me within a few days of the breach, but it was several thousand dollars of false charges already done.

[Gracey Member Find all posts View Profile Close Gracey]

After my card was stolen 3 times in the past, I finally figured out how to spot fraudelent use. I have all my cards email me a confirmation of all transactions of a dollar or more. Buy the time i come home from the gas station or grocery store there is an email for me of the transaction. So any fraudelent use I can spot immediately. This also helps because my daughter who is away at college is an authorized user on my account so any time she buys groceries or gas. I get the email.

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

The aftermath:

First, the new card was declined by a merchant today.

Second, the account was closed on our due date and I could not pay it online. I notified BOA the day before and the day of. Online it said a "new statement" had not been generated yet, and the online response echoed that.

We always pay off the balance, so never have an interest charge.

I can see the account online again, and it is "overdue", with a late fee and interest. So interest is now running.

[Presley Senior Member Find all posts View Profile Close Presley]

BOA the day before and the day of.

Oh, I didn't know it was BOA. In that case, it is probably an inside job.

Good luck with getting them to fix their junk. They are always a pleasure.

[JLB Please excuse me, I'm a Dick. Not a moron just a Dick Find all posts View Profile Close JLB]

I normally do not lose my cool, and have reached settlements with some tough cookies . . . Bank of America, Wells Fargo, RCI, Comcast, CenturyLink, Wachovia, real estate companies . . . but today has been too many . . . Comcast, RCI, State Farm, NationStar, Citizen's Insurance . . . so I just went outside and let a poor, innocent BOA lady have it on the phone.

I cannot confirm it yet, but I paid what I tried to pay 1/14, got the late fee waived, the interest waived, interest stopped running, and the block taken off.

That was after two replies from their site saying they would not.

I'll know tomorrow, maybe.

I settled with Comcast yesterday, which means I got them to give us what they promised to, at what they said they would, plus some credit and freebies.