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So I got a call from my credit card company (rant)

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Coyote_Bandit Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:13 PM
Original message
So I got a call from my credit card company (rant)
indicating they had detected fraudulent activity on my account. Appears somebody used my account to do some online shopping. The fraud was detected. The charges were not honored and the account is now closed.

How did this happen?

I have only had this account number for about a month. No one else has access to the account. I don't keep account information on my pc (or anywhere else). No one else has access to the pc or my network. All the security software is current with no security problems indicated since I purchased the pc earlier this year. I am not aware of any missing statements and I routinely shred paper items that I trash (and usually I add something really nasty to that trash as well). I don't have any recurring charges to the account. I have only used the card a few times - grocery store, Walgreen's, gas station, federal government agency and a professional membership organization. I cannot recall any instance when the card was out of my possession or my line of sight. Yet clearly someone somehow obtained my account information. I cannot think of anything I did that was careless and might have exposed my account information.

I think I am going to burn the damned replacement card and start paying cash for everything. Maybe I'll get a concealed carry permit first so I'll be able to shoot any SOB that tries to rob me. Bastards.
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Breeze54 Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:17 PM
Response to Original message
1. Did you eat at a restaurant?
Edited on Thu Nov-29-07 11:18 PM by Breeze54
I've heard about gas stations and convenience store clerks
keeping a copy of your info, if they're thieves....

Can't the CC Co. trace where your card was used? :shrug:

That sucks! I use cash mostly or my debit card.




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Coyote_Bandit Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:43 PM
Response to Reply #1
5. Since I have only had this account for such a short time
I am fairly certain this card has never left my line of sight. I guess somebody could retrieve the card information electronically after completing the transaction. :shrug:

I almost always pay cash at resturants and don't dine out often. Usually only once a week at most. Less this month. Had a bad cold. Also spent a week with the family.

Since the account is closed I can't access account information online. I will have to wait until I get statements to verify charges. I do keep charge slips and I tend to shop at the same places.

The credit card company did tell me the websites where the fraudulent charges were made. I hadn't ever heard of any of them. There were lots of small charges - no large purchases.
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ThomCat Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:58 PM
Response to Reply #1
8. Debit cards are far more risky.
Because they can use it like a credit card, but the charges won't get cancelled. Any money taken out of your account to pay for something is just gone. :(

Be very careful with that debit card.
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MissB Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:18 PM
Response to Original message
2. At least they called you.
You should feel somewhat good that your credit card company *noticed*.
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Coyote_Bandit Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:28 PM
Response to Reply #2
3. You're right
Edited on Thu Nov-29-07 11:50 PM by Coyote_Bandit
For once I am absolutely delighted with them.

I knew someone a few years back who had a housemate. The guy kept a copy of the housekey when he moved out (without permission) which he used to come and go. He would borrow a credit card from the wallet, use it and then return it while the card owner who worked rotating shifts slept. He got away with small purchases being unnoticed. Then he got greedy and went computer shopping. Local authorities refused to prosecute even though there were witnesses, store video footage of the pc purchase and other witnesses. Who says crime doesn't pay?

Edit to add that there was also a written and signed confession.
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MrMickeysMom Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:31 PM
Response to Original message
4. Perhaps someone hacked in at the bank where your card is handled?
Usually you'd be told ahead of time by the bank, We were (by our credit union, when someone hacked, they automatically re-issued cards).

Try a credit union credit card, if you are able to.
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Connonym Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:56 PM
Response to Reply #4
6. I hesitate to suggest this possibility
someone at the post office might have gotten it. When I worked there they busted a guy who had been getting away with it for years. Wouldn't hurt to report it to the postal inspectors just in case.
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Coyote_Bandit Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Nov-30-07 12:02 AM
Response to Reply #6
9. Thanks for the suggestion
I did have my mail stopped while I was visiting family for a week or so around the Thanksgiving holiday. My credit card statement was in that mail when it was delivered earlier this week. It did not appear to have been opened but I suppose someone could have steamed it open, taken the account information and then glued the statement envelope closed so that nothing appeared out of the ordinary.
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Connonym Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Nov-30-07 12:06 AM
Response to Reply #9
10. In that case I'd definitely call
that's too coincidental. Could be nothing but if they get more than one call they'll know there's a problem and you might help catch the effer.
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Coyote_Bandit Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Nov-30-07 12:14 AM
Response to Reply #10
11. Will do
I am also checking all my other accounts (bank, credit, investment, mortgage, etc.) and placing alerts with the credit bureaus. Just in case.

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Suich Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Nov-30-07 12:51 AM
Response to Reply #6
12. Wow! I've never heard that before!
When I'm gone, I have a neighbor bring my mail in...I think I'll keep doing that!

Thanks for the heads up!

:hi:
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Coyote_Bandit Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Nov-29-07 11:57 PM
Response to Reply #4
7. Could be but if so no one is admitting it occurred
I really don't think anyone does a very good job of keeping personal and financial information secure. I suspect there are many instnaces where such data has been compromised that have goone unreported.

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Contrary1 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Nov-30-07 02:59 AM
Response to Original message
13. Your credit card does not have to be out of your sight...
Check out this report that ran on 60 Minutes just last Sunday.

Hi-Tech Heist
How Hi-Tech Thieves Stole Millions Of Customer Financial Records

"Do you think twice when typing in your credit card number online, but have no problem handing over your plastic card at a store? Well actually, you may have it backward. Your personal information may be more secure in cyberspace than at the mall down the road.

That's because it's easier for dot-coms to protect the data. And most stores in America underestimate how vulnerable they are.

As correspondent Lesley Stahl reports, it's becoming a big problem. The retail industry got a wake-up call earlier this year, when TJX, the parent company of T.J. Maxx and Marshalls, disclosed it had suffered the worst high-tech heist in shopping history. Hackers raided the company's computer system, taking off with tens of millions of records. And what we have learned is: TJX could have prevented it.

"They collected too much personal information. They kept it too long. And finally, they didn't keep it according to appropriate security standards," says Canadian Privacy Commissioner Jennifer Stoddart, who led the investigation of the TJX theft for the Canadian government and the Province of Alberta, and released her findings before investigations in the U.S. are finished. TJX operates chains in both countries..."

Rest of the story and must-see video at link:
http://www.cbsnews.com/stories/2007/11/21/60minutes/mai...

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KT2000 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Nov-30-07 03:07 AM
Response to Reply #13
15. Saw that!
That is just scary and I think we are all in big trouble - now are we supposed to ask what kind of security they use at the corporate headquarters?
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CreekDog Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Nov-30-07 03:06 AM
Response to Original message
14. don't use your card at those ass antler online retailers
Edited on Fri Nov-30-07 03:06 AM by CreekDog
you really can't trust them. buy them at the brick and mortar ass antler hut.
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