Has anyone been a victim of credit/debit card fraud?

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LessIsMore
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Has anyone been a victim of credit/debit card fraud?

Postby LessIsMore » Tue Feb 24, 2015 9:09 am

I've been a victim of debit card fraud twice. Both times, getting my card compromised was not the fault of the Internet. Fortunately, both times, my credit union froze my account and, in 48 hours, replenished my account in full for the fraudulent charges. I did have to sign a document, giving them permission to investigate ... but it was something I was glad to do.

The first time, I called a long-established vendor over the phone who sold old vinyl records. I found a 78rpm record of a Gene Autry song that a friend of mine was looking for - and decided to give it to him as a Christmas present. The vendor was in Phoenix, AZ. A couple of days later, a small charge in Phoenix showed up on my account that I didn't notice at first. But after that charge, a whole slew of charges came through - from porn sites to an optics company in France. And later, I found out that they'd caught the culprit who'd ended up with my card info.

One of the porn sites (in Texas) had been stung so much by fraudulent charges that they incorporated "tracking" software. And the user they tracked a charge to was in Toronto. Most of the time, fraudulent users try to hide their origin IP address. But, this guy was stupid. With the help of the RCMP, they tracked him right to his home - arresting him and confiscating his computer & peripherals. They told me his name was Daniel Lee but nothing more than that. Still, I know that the store I bought the record from had to have had an "inside man" who sold or shared my card info. And whether anyone at the store ended up in jail is something I don't know.

The second time, it was just me being careless (blush). I used my debit card at a 7-11 to buy some pepperoni sticks. And somehow, during the transaction, my card fell to the floor. I didn't notice it was missing until later. And by that time, a whole slew of charges from Western Union money-orders to Home Depot charges popped up. I never did find out if anyone had been caught or what happened to them if they had been caught.
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obxfisherman
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Postby obxfisherman » Tue Feb 24, 2015 9:50 am

I'm glad you were able to get things straightened out relatively quickly in your situations. At least the individuals was caught in one of the instances.

I think I was a victim of ATTEMPTED credit card fraud. Back when I was 18 (i'm 20 now) I was new to credit, not applying for too many cards etc, but I would have these hard pulls show up for a Paypal Extra Card. It never went through, as in it never showed up on my credit report, so I guess the person trying got the 7-10 in the mail deal. Anyway as a result of that I put fraud alert on my reports, and froze all my reports. Perhaps that was overly paranoid, but I'd like to think it helps.

Fast Forward 2 years later, still have the security freeze in place, haven't had anything suspicions show up again, so I could probably remove the security freeze, but I like it...I'm lucky to live in a state that doesn't charge to un freeze your report, so I get to do it for free, as frequently as needed.
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Postby takeshi » Tue Feb 24, 2015 10:11 am

Several times -- all handled by the creditors and I can't recall specifics of each situation.

FYI there is a Fraud subforum.

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Vattené
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Postby Vattené » Tue Feb 24, 2015 3:28 pm

It's only happened once to me, and I got off about as easy as you can. About a year ago, I got a call from the fraud department because of a suspicious charge. $50.00 even was charged from halfway across the country (I'm guessing maybe they tried to buy a gift card to test the number). They must have caught it as soon as it was swiped. They called me up before I saw it, and I monitored the account regularly. It was shut down immediately and a new card with a new number was mailed out to me. The charge was reversed with no hassle.

I placed the fraud alert and filed a police report at my local station. There's no telling how it got compromised, but my best guess is it was from the big Target data breach.
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LessIsMore
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Postby LessIsMore » Wed Feb 25, 2015 7:16 am

obxfisherman wrote:I'm glad you were able to get things straightened out relatively quickly in your situations. At least the individuals was caught in one of the instances.


Well, at least "one" of the "receivers" of my card info was caught. Not sure whether they caught the "inside man" at the record store who shared/sold my card info. But, there was that one small fraudulent charge that took place in Phoenix ... so maybe that led them to the store employee. I'm reasonably certain that others got my card info, too, but couldn't use it before I had the card blocked.

obxfisherman wrote:Back when I was 18 (i'm 20 now) I was new to credit, not applying for too many cards etc, but I would have these hard pulls show up for a Paypal Extra Card. It never went through, as in it never showed up on my credit report, so I guess the person trying got the 7-10 in the mail deal. Anyway as a result of that I put fraud alert on my reports, and froze all my reports. Perhaps that was overly paranoid, but I'd like to think it helps.


It could also be that somehow, identifying numbers got transposed with another applicant - enough to generate a hard pull, but not get to your report (when they realized the mistake). CRAs sometimes make mistakes (grin).

This is not fraud-related but, back in December 2013, I applied for a PayPal Extras MasterCard - and they gave me the weirdest denial I'd ever seen, "Your identity could not be verified with enough confidence to issue the card." The weird part is that at the same time, I applied for a Walmart Discover Card (which they've since switched over to a Walmart MasterCard). The Walmart Discover card was approved - which was weird because both cards were issued by GE Capital Retail Bank (now, Synchrony Bank). Just to be a pest, I argued with GECRB for about 3 months by mail - asking them to tell me, specifically, why my identity could be confirmed by their Discover Card department but not by their MasterCard department (essentially, in the same building). But their replies were rhetorical mumbo-jumbo and, in April 2014, I finally gave up - telling them to fire the person in their MasterCard department who denied my application because he/she was obviously using "voodoo" criteria upon which the denial was based.

FWIW, I still have that Walmart MasterCard. And they recently bumped my CL from $800 up to $3,300. I also recently got a PepBoys credit card (auto-repair, $1,000 CL) which is also issued by Synchrony Bank.
"People with a clever plan can assume the role of the mighty."
Paul Kantner



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