Credit /Debit card hacked

[GRNOVA]

Just a little confused???

So Yesterday it all began I used the card to purchase some parts. The next few minutes I get a alert from chase asking me I just spent a certain amount 1798.55 I said I just used it but only spent 1718.89. So they put a freeze on my account and cancelled the card. Of course I called back the place I ordered the parts through and used the wife's card to repurchase them. Everything was OK till today some one tried to purchase some shoes with my card that was cancelled yesterday. It gets even better the company that they were trying to purchase the shoes from said a red flag went up when this person used my home address and to purchase it from and have it shipped to his address. So now I have all his info and called my bank and they told me to call the police and they told me they will not pursue it because 9 times out of Ten the info is bogus anyway. I was hot I told them I had his cell phone number his Email address and everything they still said sorry!!! What a crock!!

[tooblue]

I would think they have a fraud division.. ? Good news is at you caught it quickly..

[newmexicosaint]

That is BULLS**T!! I am so sorry man. No offense to the Cops on the board but that is typical anymore. To Protect and serve is a crock of...well, you know what I mean. To KNOW of a crime and not pursue justice because the "odds" aren't great that they will catch the criminals is flat WRONG and should be against the law. PERIOD

[GRNOVA]

I just thought they could set up a sting or something.
I think I have been watching too much TV.lol

[rrunner68]

No, the problem is that crimes like that don't generate any revenue for them. Its much more cost effective to have one officer give out six 200.00 tickets per hour than it is to have two officers track down credit card thieves all day. That Crime doesn't pay them, and it doesn't hurt anyone, so why should they care?

[68Formula]

Thanks for the shoes Tim. j/k

So did you order the parts through the computer? It seems weird that they would use the card so soon after they got the data, but I'm wondering if you're computer has been hacked. I usually run two different virus checkers before I order anything. I also use the OSK feature in case there is someone tracking my key punches (extra insurance if the maleware wasn't found.) And that's only if there's not a phone number to call and order directly. Good luck. I hope they catch them.

[SLO_Z28]

No, the problem is that crimes like that don't generate any revenue for them. Its much more cost effective to have one officer give out six 200.00 tickets per hour than it is to have two officers track down credit card thieves all day. That Crime doesn't pay them, and it doesn't hurt anyone, so why should they care?

Not true. The problem is that the credit card companys will not press charges for anything less than $20,000. If the police spend the time and catch the crook, the complainant wouldn't press charges, and they would be let go anyways. In this case the credit card company is the victim, not the card holder, so the card holder cannot press charges.

Believe me, if the credit card companys would press charges, the police would actively pursue the perpetrators of the fraud, but its cheaper for the card companys to just write it off, and the criminals know this.

[72Cutty]

SLo Z28, you are correct but of course most people don't realize that and blame law enforcement. A victim not willing to go to court and follow through with pressing charges is wasted time for law enforcement. The state attorney will contact the credit card company and then "no file" the case.

[newmexicosaint]

SLo Z28, you are correct but of course most people don't realize that and blame law enforcement. A victim not willing to go to court and follow through with pressing charges is wasted time for law enforcement. The state attorney will contact the credit card company and then "no file" the case.

Anything over $2000 is a felony. Credit Card companies wont reimburse cardholders for anything under $500 in most cases. If you are talking about the victim being the CC companies then you are wrong (with all due respect). While the CC company might be included as the victim, the customer is the victim as well with unauthorized charges on their account which they are financially responsible. It seems a little presumptuous to assume the victim won't press charges and even if that was the case it does not alleviate the police from their duty to uphold the law.

Here are the facts. Credit card fraud occurred, there was evedence of possible criminal location with an address and a cell phone number. Lack of pursuit by law enforcement only encourages criminals. Just my opinion, take it for what its worth and I hope no one gets their feathers in a ruffle over my opinion. :D

[Johnny Blaze]

Yeah, thats weird, does the guy work for the place you ordered parts from?

[GRNOVA]

Yeah, thats weird, does the guy work for the place you ordered parts from?

No he lives in a different town and no one at that parts company knows him either. I was told it was a random hack. Well after talking to the bank and the money has left our account we got back. So I guess it is over.. for now the new card will be here next week.

[GRNOVA]

Here are the facts. Credit card fraud occurred, there was evedence of possible criminal location with an address and a cell phone number. Lack of pursuit by law enforcement only encourages criminals. Just my opinion, take it for what its worth and I hope no one gets their feathers in a ruffle over my opinion. :D

I was told by a person at the bank it is like some one selling a pair of jeans for 3$ on craigslist and the person wanting to meet you half way to make the exchange half way is 10 miles not worth the gas. My situation is like that." Too much $ to pursue for little money!" she said.

[CarlC]

I've been hacked multiple times. The last one was on my work credit card for a total of almost $28,000 with most of the purchases in Europe, especially Amsterdam. My joke around work was that I was going to be passing around dime-bags for Christmas.

Eight years ago my wife called as I was driving home and asked if I had spent $5,000 at Unique Furniture in Las Vegas. I assured her that if was going to spend $5k in 'Vegas it was not going to be on furniture. Turns out my neighbor got hacked the same amount on the same day by the same company. We compared bills and the only common purchase we had was at the old Performance Automotive Wholesale in Chatsworth. That's too coincidental. Being the nice guy I informed the CC company of the evidence. They did not care one little bit. That's $10k out of their pocket.

Now here's something that you must absolutely stay on top of concerning CC fraud. There are specific timelines that the CC companies may put into place concerning follow-up and resolution. For example, in the $28k fraud above there was a four month window to make claims and follow up with any disputes concerning their findings. If any of the claims are not resolved or followed up on by that time, the bank can reject your claim. For example, in the fraud there was round one where I had to go through each individual charge (30+) and dispute them. The CC company then refunds your money, but the original vendor can re-charge your credit card claiming that the charges were legitimate. Now you have to go through the whole procedure again. If some of those charges are missed you will be responsible for them if the timeline has been missed. The CC company told me it could take 3-4 months for some of this stuff to clear. For me there was $3,500 still outstanding after four months to the day. I followed up and they stated that it was too late and that I would be responsible. I showed them the paperwork that showed that the dispute was turned in on time. They said too bad, so sad. I told them to pound sand. If you keep diligent records of what you do then it gives you a leg to stand on when your credit gets flagged for not paying your bills as well.

[Jeff70]

Hey Carl is your company card American Distress I mean Express card? I understand you have to personally sign your name to the card & it makes you personally liable if your company decided to not pay the bill.

[72Cutty]

Anything over $2000 is a felony. Credit Card companies wont reimburse cardholders for anything under $500 in most cases. If you are talking about the victim being the CC companies then you are wrong (with all due respect). While the CC company might be included as the victim, the customer is the victim as well with unauthorized charges on their account which they are financially responsible. It seems a little presumptuous to assume the victim won't press charges and even if that was the case it does not alleviate the police from their duty to uphold the law.

Here are the facts. Credit card fraud occurred, there was evedence of possible criminal location with an address and a cell phone number. Lack of pursuit by law enforcement only encourages criminals. Just my opinion, take it for what its worth and I hope no one gets their feathers in a ruffle over my opinion. :D

No feathers ruffled here... I respect your opinion, but let me explain.
I have never heard of a credit card company not reimbursing an amount under $500.00 on a fraudulent charge. Also, once the credit card company reimburses the victim their money they are no longer considered a victim. At least that's how the State Attorney's office in the 13th Judicial Circuit here in Florida has decided they will handle these cases. Once the credit card company reimburses the account holder their money, they (CC company) may then contact the law enforcement agency in the jurisdiction where the crime is thought to have occurred and they will investigate the crime and the account holder will then be listed as a witness in the case.
Law Enforcement can only prosecute someone where the victim is willing to be a victim and for the most part, the CC companies are not willing to prosecute and just write it off. I don't necessarily think this is right because, you're right, a crime did occur....unfortunately this is reality and these people who commit CC Fraud continue to get away with it. Hopefully this makes things a little clearer.

[Johnny Blaze]

Makes me glad I don't have credit cards, of course that also explains why my builds take a lot longer than most here.

[68Formula]

I've been hacked multiple times. The last one was on my work credit card for a total of almost $28,000 with most of the purchases in Europe, especially Amsterdam.

Have you heard from RoadrageDavid lately? LOL!

[CarlC]

LOL! At least the money would be going to a worthy cause.

Not AE, MC. They put the time limit on things. For me the company assumes all of the liability but I do have to make all of the fraudulent claims.

[dadto2jays]

Wow it never seems to amuse me the way crooks are everywhere....I use my american express as much as possible and never worry about anything they have the clients back in case of any fraud.

[CreepinDeth]

Don't always assume it's a virus, or some sniffing cookie on your machine. Alot of identity theft occurs from bank's outsourcing to foreign nations for customer service and merchant card processing. Globalization has drastically INCREASED the amount of identity theft and credit fraud. There have been several news article about Indian people in India selling US Social Security numbers and information packages in the realm of thousands at a time. This is also why I boycotted Bank of America. I want all of my banking information processed by Americans, not foreigners in a poor country.

My sister in law is a Manager of a credit card merchant processing center near O'hare Airport for all of Chicagoland.

http://www.creditcardanswerguide.com/if-you-are-a-us-citizen-are-you-encouraged-now-that-india-has-started-to-catch-heat-for-taking-us-phone-jobs/

In the last few years, if you have called a credit card company, a large interstate bank, or a technical support area for a product you bought (e.g. a computer, router, or printer), you may have been surprised the first time when you discovered your call was being handled by somebody in India. This is because India has been competing on the basis of price to secure more telemarketing jobs for their country.

But today (1/26/09) there is news in the major media that computer crime is on the rise and is one of the U.S.’s major security threats. The U.S. is under attack from hackers in many places around the world but some of the most active seem to be coming from China. I’ve not heard too many telemarketers or tech support people from China, though, probably due to the language difference. But because India seems to have captured a large share of the financial services market serviced by telephone, they are also in possession of a lot of financial information and private data. For that reason, India now is identified as a major country engaging in attacks on the USA via computer and identity theft.

[muthstryker]

I hate people that do this stuff, its absolutely annoying. I have been hit two times, they took my info right off of ATM machines (My credit unions ATMs). The first time they bought 700$s in stuff from Fred Meyer's and then also tried to do 700$s at Walmart. My CU actually blocked the Walmart transaction because it looks suspicious so they didn't get much. Still pissed me off because it was my wheel money! They caught the people and I had to file a police report and just a few months ago I went to court to testify against them. My CU put the money back into my account the very next day after all this had happened.

The second time they had my card info about 4 months ago, and they made a ton of small purchases in Texas. If I wouldn't have looked at my bank statement I wouldn't have even of noticed it was going on they were so small. (5-10$ purchases)

I make any and all my online purchases with paypal and I even have a debit card for my paypal account. I dont use any of my bank accounts to make purchases online, its just easier to transfer the exact amount over to paypal so I dont risk getting taken for more.

[BonzoHansen]

I just got a call from Discover. Yesterday someone swiped my card in ohio at target for $300 and a gas station for $50. Problem is the card is in my wallet in NJ. But they flagged it as potentail fraud and called. So kudos to them and I am on the hook for nothing.

[showa]

Just a side note, you might consider trying to pass the suspect info to the Secret Service... They may have something in the pipe....