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| credit card fraud | |
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| Tweet Topic Started: Aug 5 2010, 04:04 PM (542 Views) | |
| brenda | Aug 5 2010, 04:04 PM Post #1 |
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Some crook in Iowa tried to make two fraudulent charges on my credit card number. One transaction for $50 was denied by the credit card company, but one got temporary authorization for $1,100. The card company sent me notification, I logged into my account (not through the notification e-mail, but directly through the website), and sure enough, there was the $1,100 stink bomb. I've asked for the account to be closed and a new card to be issued to me. |
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| Kincaid | Aug 5 2010, 04:25 PM Post #2 |
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HOLY CARP!!!
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I don't support the death penalty for crimes of passion, snap decisions or for people with addictions, psychosis, etc. But, this kind of crime might be tailor made for such a punishment. Sorry to hear it Brenda. I've been having some minor stuff with scary spam and phishing, and I know this stuff is infuriating and stressful. |
| Kincaid - disgusted Republican Partisan since 2006. | |
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| The 89th Key | Aug 5 2010, 04:36 PM Post #3 |
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Sorry to hear, Brenda. That happened to my card earlier this year, and the credit card company's algorithm (or whatever they used to figured out it wasn't in my purchasing habits) caught it immediately. A bit of a hassle to get a new card and switch numbers though...hoping it doesn't cause you too much of a headache!
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| Piano*Dad | Aug 5 2010, 04:41 PM Post #4 |
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Bull-Carp
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We all complain about the big brother aspect of the marketplace these days. I admit that I do too. But one way that this sh!t is discovered is because credit card companies keep detailed information about our buying habits and life styles. I charged some shirts from a reputable NY City company last year. A few days later I got a call from my credit card agency telling me that there were a number of suspect transactions from Utica NY. Low and behold, they were spot on. They didn't question the shirt purchase in NY, but they did question the other purchases in Utica. How did they know? The card was vaporized and I didn't have to pay for the transactions. We will never know for sure if someone in the NY store took my Visa number, but that's what I think. |
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| brenda | Aug 5 2010, 04:58 PM Post #5 |
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Yes, PD, they know my transaction style. I have a King Arthur Flour Visa card, and guess what I buy with it? Stuff from King Arthur Flour Company, for which I get free shipping. It saves me $20 or more per order, so I love it. That's why I asked for another to replace it. So when something non-food gets put on it, it's rather noticeable. ![]() The question is how they got the number. I'm thinking it must be one of those cases of the crooks just trying all the number combinations possible until some work. Edited by brenda, Aug 5 2010, 05:00 PM.
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| Piano*Dad | Aug 5 2010, 05:56 PM Post #6 |
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Bull-Carp
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Unless someone inside King Arthur (what the heck is that, anyway? ) has burrowed into the credit records.
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| Jolly | Aug 5 2010, 05:58 PM Post #7 |
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Geaux Tigers!
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King Arthur is a brand of flour. I use Martha White, myself. |
| The main obstacle to a stable and just world order is the United States.- George Soros | |
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| brenda | Aug 5 2010, 06:27 PM Post #8 |
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Nah, King Arthur Flour is from Vermont, and the thief is from Davenport, Iowa. http://www.kingarthurflour.com/ |
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| brenda | Aug 5 2010, 06:28 PM Post #9 |
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Does your wife know about this?
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| brenda | Aug 5 2010, 06:45 PM Post #10 |
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Let me know when you start buying 50 lbs of flour at a time, PD. You'll be wanting one of the KAF credit cards for the free shipping, too.
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| Horace | Aug 5 2010, 06:53 PM Post #11 |
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HOLY CARP!!!
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Sorry to hear that Brenda! I hate it when that happens, i have to update all my auto-bill-pays. |
| As a good person, I implore you to do as I, a good person, do. Be good. Do NOT be bad. If you see bad, end bad. End it in yourself, and end it in others. By any means necessary, the good must conquer the bad. Good people know this. Do you know this? Are you good? | |
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| brenda | Aug 5 2010, 06:59 PM Post #12 |
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Thankfully, there are none for this account. That would be a pain in the halibut. |
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| garrett2 | Aug 5 2010, 07:20 PM Post #13 |
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Junior Carp
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Just a little advice. You may want to file a police report (make sure you get the case number in case you need it later). Also, if the card issuer sends you any paperwork that they need you to sign (they may require an affidavit of fraud), fill it out and return it as soon as possible (you may have as little as 14 days to get the paperwork back to them). You don't want to take the chance of missing a deadline and becoming responsible for the fraudulent transaction. |
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| brenda | Aug 5 2010, 07:24 PM Post #14 |
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Good advice. It's across state lines, but I could at least alert my local police. (We're on a first name basis, but it's because we like each other. )The card company said I would have no liability, but sometimes a belt really does need suspenders. |
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| musicasacra | Aug 5 2010, 07:29 PM Post #15 |
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HOLY CARP!!!
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Since the card company notified you of the out of state fraud transaction, a police report isn't essential. If the card was compromised as part of a ring, the bank's fraud investigation unit will work with police. Do sign the affidavit they send you with the fraud charges listed, they do put a return by date on them, to make sure people remember to send them back. Did they tell you the type of transaction it was? Swiped/signed or Internet/phone? |
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| brenda | Aug 5 2010, 07:32 PM Post #16 |
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Sounds like you've been through this, MS. No, they didn't say the type of transaction. I have the actual card in my possession, in fact it's on my side table next to my chair and I can see it. One transaction was at a HyVee grocery store for $1,100, and the other was at a pharmacy, probably right next to the grocery store. Gee, even I don't spend $1,100 at a grocery store. |
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| garrett2 | Aug 5 2010, 07:34 PM Post #17 |
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Junior Carp
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A police report isn't absolutely necessary, but it does increase the odds of the thief being caught. Since you know the thief was in Iowa (provided the thief was present) it's more likely that security tape will be pulled. While your liability may be zero, I've seen too many instances where failure to return paperwork can lead to an additional headache. For example, if the card issuer does not get the paperwork back, the charge may go back onto your account which could result in finance charges, etc. Which means that you would then have to contact the card issuer again and straighten out the mess (the extra time you have to spend on the phone might be a slight inconvenience). |
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| musicasacra | Aug 5 2010, 07:34 PM Post #18 |
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HOLY CARP!!!
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I used to work in the fraud department of a mega bank. Sounds like an in-person purchase then, likely a counterfeit card. My mega bank forwarded all counterfeit purchases for further investigation. |
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| brenda | Aug 5 2010, 07:36 PM Post #19 |
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Have no doubt I will sign and return the paperwork. I have NO desire to foot this $1,100 bill. |
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| brenda | Aug 5 2010, 07:46 PM Post #20 |
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Notice that since I posted the King Arthur Flour website that PD hasn't been around. He's immersed in the pastries and breads shown there. We may not hear from him for a long, long time.
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“Weeds are flowers, too, once you get to know them.” ~A.A. Milne | |
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| Newpianoplayer | Aug 5 2010, 09:40 PM Post #21 |
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Senior Carp
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A card swipe machine at my pharmacy's prescription counter was taken and the thieves made copies of the cards in the machine. All of my credit cards had to be cancelled and my chequing account number was changed. Peoples cards were being used all over the world: Switzerland; Sri Lanka ; India . Now I am getting NSF charges for the monthly automatic withdrawals on my cards. My cards were being used at various LCBO stores across the city. The pharmacist had a credit check call from her bank to confirm a purchase of $4,000.00 on her card in Switzerland. To top it off I lost a chunk of a molar and had to have a root canal with a follow up crown. Alas I didn't have any credit cards to make the payment. They trusted me to come back when I had a valid card. |
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| Rainman | Aug 5 2010, 11:21 PM Post #22 |
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Fulla-Carp
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Newpianoplayer, though I don't know you (haven't been around in a while), I offer you my sympathies. Credit card theft, your cards used all over the world, and the PERFECT grand finale: root canal. Geesh!!! |
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| jon-nyc | Aug 5 2010, 11:37 PM Post #23 |
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Cheers
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Fvcking Iowans. |
| In my defense, I was left unsupervised. | |
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| Mikhailoh | Aug 6 2010, 02:54 AM Post #24 |
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If you want trouble, find yourself a redhead
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Fvcking credit cards. |
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Once in his life, every man is entitled to fall madly in love with a gorgeous redhead - Lucille Ball | |
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| boris | Aug 6 2010, 03:23 AM Post #25 |
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Junior Carp
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I got a CODESURE credit card![]()
The credit card company is giving me a bonus of 12$ if I make at least two purchases with this card during the next six months. I tried to use it with AMAZON... but they didn't ask for the three digits code ! I'll probably use in a few days when I'll buy a new Internet Security Suite for my PCs. And it is amazing to have a LCD display , a keyboard , a processor and a battery in a thin piece of plastic See also this CODESURE CREDIT CARD Edited by boris, Aug 6 2010, 03:24 AM.
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| Licenced to be a dirty sock by appointment to HMQ EII | |
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) has burrowed into the credit records.





4:22 PM Jul 10