Card is in my possession but someone physically swiped it?!

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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chustle925
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Card is in my possession but someone physically swiped it?!

Postby chustle925 » Thu Apr 12, 2012 3:04 pm

First off, let me say I never thought it would happen to me but it has. I was informed by my cc issuer that there was some suspicious activity on my card.

Come to find out someone has my credit card number and was making some purchases at Best Buy. One purchase was authorized, the other 3 were declined. Strange thing is Best Buy said that my card was swiped and not manually entered, but I still have my credit card in my wallet. Any ideas or suggestions?!

I've already filed a dispute with the credit card company. Looks like this person was going around buying MacBooks with my credit card, to the tune of $1300.


jeffysdad
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Postby jeffysdad » Thu Apr 12, 2012 3:17 pm

CC co. should not honor any charges you dispute and not require you to pay this amount or apply interest to the amount while the matter is being resolved. CC co. will likely send you a form to fill out and sign confirming which recent transactions were in fact yours and which were not. Make sure you get this right.

Your card number was possibly captured in any number of ways and used to make a forged card. Or your number might have been randomly generated and used to make a forged card that was perhaps tested at a gas station or some other automated point of purchase site before use at Best Buy.

This matter should be resolved with little or no inconvenience to you if your experience is like what mine was (2x). Speaking of Best Buy, they've got much bigger problems than you these days.
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chustle925
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Postby chustle925 » Thu Apr 12, 2012 3:22 pm

Thanks for the reply, but another strange thing is that Best Buy requires I.D for any purchase over $500. Does this mean that the criminal had a card made with my number and his name? I don't see how else he could pass the I.D part.

DavidNY
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Postby DavidNY » Thu Apr 12, 2012 6:36 pm

Do Best Buy cashiers really care about ID when the customer could probably have bought the item for far less elsewhere? They're probably just happy making a sale these days.

2percentPlus
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Postby 2percentPlus » Thu Apr 12, 2012 8:07 pm

chustle925 wrote:Best Buy requires I.D for any purchase over $500.


Good reason not to shop there! Thanks for the tip

JCarter
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Postby JCarter » Fri Apr 13, 2012 3:45 am

chustle925 wrote:Thanks for the reply, but another strange thing is that Best Buy requires I.D for any purchase over $500. Does this mean that the criminal had a card made with my number and his name? I don't see how else he could pass the I.D part.


Most Best Buy cashiers never ask for ID (At least those which I have encountered) and this is for cash purchases only. Best Buy may not demand (They can ask of course) ID from a credit card customer, this is part of the merchant agreement.

Your card was probably copied at a restaurant or somewhere you let it out of your physical control. They can copy down the information by hand and have a hex code generator recreate the code for the magnetic strip or they can simply use a card reader to store the data from the strip. They'll then copy the card electronically onto a blank.

Moneytalks
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Postby Moneytalks » Thu Apr 26, 2012 9:24 pm

JCarter wrote:Most Best Buy cashiers never ask for ID (At least those which I have encountered) and this is for cash purchases only. Best Buy may not demand (They can ask of course) ID from a credit card customer, this is part of the merchant agreement.

Your card was probably copied at a restaurant or somewhere you let it out of your physical control. They can copy down the information by hand and have a hex code generator recreate the code for the magnetic strip or they can simply use a card reader to store the data from the strip. They'll then copy the card electronically onto a blank.


hmmm, now I will make sure I leave a good tip for the waiter/waitress haha! But seriously, that's not cool to steal someone's info like that...I guess you could just get a new card and dispute the charge...probably no way to catch them too huh?
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FastSRT8
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Postby FastSRT8 » Fri Apr 27, 2012 12:32 am

I am not sure if this is what happened to you or not but my parents who have been travelling loads lately have told me of situations where the thieves have some sort of high tech scanner that can read the info off of your chip cards without even having the card in hand. Im curious, is the card you have chipped?
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2percentPlus
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Postby 2percentPlus » Fri Apr 27, 2012 12:42 am

FastSRT8 wrote:I am not sure if this is what happened to you or not but my parents who have been travelling loads lately have told me of situations where the thieves have some sort of high tech scanner that can read the info off of your chip cards without even having the card in hand. Im curious, is the card you have chipped?


If possible, then that would be the wireless RFID type cards, touch and pay. Not the embedded smart chip cards that we only have a few of here.

JCarter
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Postby JCarter » Fri Apr 27, 2012 1:25 am

FastSRT8 wrote:I am not sure if this is what happened to you or not but my parents who have been travelling loads lately have told me of situations where the thieves have some sort of high tech scanner that can read the info off of your chip cards without even having the card in hand. Im curious, is the card you have chipped?


Batch code reader from the magnetic strip. It reads it from about ~3 feet away.



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