Kind of a rant on the system

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MemberSince99
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Kind of a rant on the system

Postby MemberSince99 » Fri May 20, 2016 4:04 pm

I learned late last year, by a letter from Experian, that I am a victim of the data breach related to T-Mobile. Their "solution" and what a joke that is, is to offer a year or two of their credit monitoring.

I thought wow you gotta be kidding me. You people jeopardized my credit I've worked hard to keep in great shape and that's all you care to do about it?

Now we live in the fascist US, where business is ALL that counts, so let's be honest here. We the sheeple mean NOTHING to the elite, other than being slaves to exploit, money to profit off, and bodies to throw into never ending wars for oil. Other than that, we can go die as far as they are concerned, these pious lovers of life (or so they claim to be). But I find that ridiculous.

I'm willing to bet that if I caused a breach which did something equivalent to them, I would certainly be sued, if not jailed for it.

This is the kind of system we have. A pathetic joke in my view. And I do not appreciate it one bit.

I guess what I've learned is - first we are all screwed, second don't really truly sweat your credit as it can be totally destroyed through no fault of your own and no one really cares the vultures will line up to take a pass at suing you for the money some thief stole, and last but not least, don't take this stuff too seriously.

That's part of the reason I've been gone so long. I got a life. This sure as hell isn't the meaning of it. Like I said, your credit can be destroyed in an instant through no fault of your own and there is no one going to help you. Please spare me the "oh the credit bureau cares SO much about you" garbage we all know better. Good luck clearing up that stinking mess you are going to need it.

I just wanted to share some of my personal frustration with what a joke things are in the US. Security is NOT taken seriously here - it costs money and no one cares about the impact to people like us. To the big guys it's the cost of doing business dealing with some fraud, and that's all they care about which is why nothing gets done.

And then you get Trump the jackass saying how regulations are strangling banks and we need to cut them loose to do whatever they want to. Well Donald, I agree with you - AS LONG AS my tax dollars aren't on the line for their screw ups. If they gamble and lose let them fail. Then I'm fine with your philosophy. Otherwise, I am sick of bailing these shysters out. It's time these self-proclaimed champions of capitalism practice what they preach. It's LONG overdue.

End Rant.


Tubpbs
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Re: Kind of a rant on the system

Postby Tubpbs » Fri May 20, 2016 5:11 pm

I agree 100%. The shitbag system we have doesn't work for the people. Whether you make a good living or not, it's lined up against you with a dreadful outcome through no fault of your own in many circumstances.

The politicians who pretend they're going to help, Republican or Democrat, are not on the side of the people in any way. They want to line their pockets and pillage what they can while they can and move on. It's disgraceful and no one really cares. A lot of people are too stupid to see it or too stupid to understand it, but most people know what's going on and don't do shit.
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MemberSince99
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Re: Kind of a rant on the system

Postby MemberSince99 » Sun May 22, 2016 8:40 am

Tubpbs wrote:I agree 100%. The shitbag system we have doesn't work for the people. Whether you make a good living or not, it's lined up against you with a dreadful outcome through no fault of your own in many circumstances.

The politicians who pretend they're going to help, Republican or Democrat, are not on the side of the people in any way. They want to line their pockets and pillage what they can while they can and move on. It's disgraceful and no one really cares. A lot of people are too stupid to see it or too stupid to understand it, but most people know what's going on and don't do shit.


Amen brother.

What can you do. Within the system not a hell of a lot. It's DESIGNED to be that way, that's no accident. Those who benefit from the status quo don't want it changed.

In the current system unless you can buy your politician and his buddies, and out buy those who profit from the way things are, it's never going to change.

This sort of thing used to be called "corruption" when did that change.

It bothers me that Experian is so blasé about the fact they allowed my personal data to get stolen, but it bothers me even more that there is nothing I can realistically do about that, and that criminals can basically destroy my credit any time they choose. I have a story to tell on a consequence of this breach that I will share in another post right now I have to do some things but I will be back.......

MemberSince99
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Re: Kind of a rant on the system

Postby MemberSince99 » Sun May 22, 2016 10:29 am

Ok, so....Experian sends me a letter telling me that my personal information was stolen in their T-Mobile breach last year. Their generous offer was 2 years of credit monitoring to fix the problem. My thought is what a joke that is.

A couple of months ago I got one of "those" calls - the kind you know are from some vulture agency, bottom of the barrel sort. It was a robocall and left a message for someone with a different name. However, this is where it gets interesting. The name of that person was a fiancée I brought here from another country. We never married, and she returned to her country (long story I won't bore you with) so there is no such person, EXCEPT in the court system records as we applied for a marriage license, which then becomes public record.

I found that strange and knew it was no coincidence so I Googled the number and learned this is a group of scammers. Their MO is they do in fact have your personal information (probably bought off the "dark web" I would guess) and they tell the victim that you owe on a payday loan and if you don't give them made up $$$ right then and there, they are going to come and kill you, have you arrested and tortured, sue you for a trillion dollars and turn you into a slave, etc. You know, all the bullshit the bottom feeders tell you that is illegal.

They first try to contact the victim in question and if the victim is wise or they can't contact them, they move on to the victims relatives and their employer (again illegal but what do scammers care about what the law says?). They must have pegged me as her relative and were going to try to scam me to pay her "loan".

The Paris TX police department posted on their Facebook page this outfit is a bunch of scammers do NOT pay them (which I had already figured out).

I immediately blocked the number, but they called back the following day using a different number and left the same message. I knew at that point they could have literally dozens of numbers and that was going to take a very long time so I changed my number. PITA but well worth it to be rid of this sort of scum.

So I then contacted my mother to warn her about these douches and told her do NOT pay them anything do NOT be intimidated by their threats it's all lies the alleged debt is bogus and doesn't even exist. I told her if you have ANY doubt about that think about it - they are claiming she got a payday loan, but what do you need for a payday loan? A job - which she didn't have as she was only here 10 days. Thus, logically, that should be proof to you that this is total bullshit. You know and I know she never got a payday loan of any sort, but that should be your proof right there, They will claim she got this loan in say 2011 or something, but you and I both know she left the country in 1999. Do NOT pay these douches a penny.

So you know what happens? They call her, demanding payment for "your relative's loan". She said she had been kind of waiting for that, and she told them off. She said they did not bother her after that (I'm guessing if they can't intimidate you into paying they just move on to another victim and hope for better luck).

The moral you can take away from this is never just take the word of some idiot on the phone that you owe money. Make them provide proof. If they can't or won't, tell them to go pound sand. They scream Guido is going to come rip you apart then blow your brains out, tell them to send him your 9 mm is waiting for him with hollow points and you know about "Castle doctrine" and he'd better have his life insurance policy paid up because Guido will be leaving here in a bag if he does that. They scream the sheriff is on his way now, say great I'll be waiting for him - where is he I haven't got all day.

Make them prove the debt. The scammers like this will never sue the debt is totally made up. It's the SAME thing as if I tell you that you owe me 1075.21 from a payday loan you took out in 2013. I made that up, and that's the same thing these scum are doing.

This is all true, folks, and your protections from these douches really are not much to be honest. I asked a lawyer if there is a way to stop these people and was basically told in so many words, no. They operate so far outside the law, you can't really do anything to them in practical terms.

I just want people to be aware of what is going on, so if this happens to you, you can protect yourself as best you can. I also want to make the case that your info is NOT safe with the "big three", not at all. And they aren't the only ones - just look at the whole Home Depot/Target/etc breaches. Once these criminals get your info, only bad things are going to happen, and no one is going to be very interested in helping you even though you are a victim. In fact in the US they are probably more worried about protecting the criminal which seems to be the mindset in America.

Knowledge is power.

MemberSince99
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Re: Kind of a rant on the system

Postby MemberSince99 » Mon May 23, 2016 12:45 pm

By the way you guys might want to consider an auto call recorder app for your phone.

First make sure that's legal in your state. In my state it's one party consent so I don't have to tell them they are being recorded and I don't. Why? Well debt collectors don't generally tend to be the brightest bulbs on the tree but few of them will be stupid enough to keep talking about how someone is coming to your house to kill you now if they really believe you are recording.

I say if the bad apples want to play that way make them pay for it.



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