Ever have your credit card # stolen?

[Turbo-Torch]

Sunday I was sitting in front of the computer (reading this forum of course) and the phone rings.  Caller ID says Capital One with a phone number listed.  I answer and nobody is there.  I google the # and it's their fraud number.  Damn  

Called it back and some half asleep mushmouth answers and I can almost swear I here kids in the background like he's at home.  If I didn't google that # I would have suspected a scam at this point.

He takes my info and then tells me there may be fraudulent charges on my card.  He mentions a Marathon gas station charge on 7-31..."yup that should be the last charge on there".
Then he mentions I-Tunes..."HELL NO! I'd rather cut my ears off than use a fuggin' lemmingpod".
Then he mentions some internet camera store.  Once again, NOPE!

He cancels my card and tells me a new one is being sent.

I go online and try to log into my account and it's closed off. Ok I guess.  I also have a Capital One E-Money Market savings which I log into through the same Capital One site.  It's right under the CC log in menu but should be a totally different entity than the CC side.  I try to log into that account and get an IE error.  I about puke at this point...I can pretty much live off the interest that account makes.  Try several more times with no success.

Now I call the number on back of the card and talk to another guy.  He confirmed everything the other guy said but had no idea what the hell a Capital One E-Market is!  

After explaining to him 3 times, he transfers me somewhere else and I guess they were having server issues.  About an hour later I was able to log in and everything was as it should be.

Luckily I have an American Express as a back up since the new card didn't arrive till today.  Years ago when the magnetic strip went bad they sent one next day delivery.  This time 5 days.

Immediately set my new account up this evening, sick to my stomach waiting to see it maxed out with all the bogus charges on it.  Click recent activity...Holy crap!  $89.00 balance which is right where I left off with the Marathon gas station being my last charge!  

Other than what was mentioned on the phone, I don't have a clue as to what was charged on it or the amounts.

Thought I was going to have to fill out dozens of forms and go through months of hell.
Is it alway this easy?
Do they bother to go after the scum that used it?
Probably just one victim out of several hundred that day and they absorb the costs.

Still pisses me off that someone got my old #.  I've had that card about 10 years and have never lost it.  I protect it to no end and even avoid online purchases unless it's through a large well known company.  I'd like to know if the scum had the 3 digit identifier on the back.  Does I-Tunes ask for that?

Also not sure if I'm impressed with Capital One or not.  They red flagged the charges and shut things down without me even having to see what they were.  On the other hand they called without saying a damn thing (thankfully I have caller ID) and the people that answer the phones on Sunday are nothing short of morons.

Just had to vent.  Something tells me I'm not the only one this has happened to.

 

[BlueHaya]

Just had mine done about a month ago. Someone got the number and bought some stuff in Korea at 3 places, the tester was $6 at a hot dog stand. Luckily the credit card co. figured that out and stopped all future transactions. Good thing because after those, several were attempted in Italy at jewelry stores.

I was hit for around $600. All wrote off as fraud. They attempted another $6000 but did not go through.

 

[Charlesbusa]

Glad it turned out OK!

 

[Big Wall]

About 2 years ago someone, somehow got my business credit card number. The card was in my date book, it wasn't lost. They bought about $700 in video games in Texas and then went into Mexico and bought a lot of car parts and a few hundred dollars worth of Domino's pizza. That had to be a heck of a lot of pizza in pesos. Wells Fargo didn't catch it or call or anything. They completely drained our business account and then our business savings account which was set up as overdraft protection. I first became aware of it because there are a few bills that we have set up to automatically pay out of our account and those things were shut off. Wells fargo/Visa gave us a provisional credit in a couple days while they investigated. We had hundreds of dollars in overdraft charges alone and they had still let the but heads charge more! We are a house painting business in Colorado. Why they thought there was nothing suspicious about the charges being made in Texas and Mexico is beyond me. They tried to investigate, but couldn't get anything from Mexico apparently. It took a few months before the problem was finally over with. It was relatively painless though. Wells Fargo was clueless. I tried to get an answer as to wether or not I could pay some sub-contractors without being charged overdraft fees and couldn't get an answer from anyone.

 

[Vic_E55_2001]

Here is another one, how many of you going trough every transaction?

I caught many double charges at fast food places, convenience stores, gas stations, etc....

 

[thepushercg]

i have some sort of security service now that monitors my credit and any major purchases., dont know how good it is. just some extra insurance.

 

[heavybusa]

Well Turbo-Torch this topic rings close to home as I work in this industry.

You may still receive an affidavit which will need your time to fill out, it is not difficult by any means but has to be sent back

What has happened thus far, is that an early detection specialist sent your account to an adjuster, that person will be calling you to determine if this was truly fraud.

Keep in mind their job is to catch scammers so they may ask you a few questions, but completing and returning that affidavit is a step in the right direction to speed that up.

As far as your balance goes, capital one prides it self on fraud protection. You have received a temporary credit for all transaction deemed fraudulent and that will remain on the card until the adjuster closes the case. At which point the balance will be charged back to the vendor or written off.

 

[Wag]

iTunes does ask for the 3 digit code.

I inadvertently left my card at a restaurant one evening and didn't discover that fact until the following afternoon. Called the restaurant and they said, "Yup, we still have it here." Went and picked it up and then called the CC company to see if there were any bogus charges on it. The instant they heard the story, they canceled both mine and my wife's cards and sent us new ones in 10 days. Frankly, I was impressed.

In the meantime, we started using our other card which we NEVER use except for the occasional internet purchase. After about the third transaction, THAT credit card company called us to make sure we hadn't lost our card.

We also get a call every time we go out of town more than a day's ride away and start using it for hotels, restaurants and gas stations. On the one hand, it's damned irritating because in those scenarios, they just shut the card off without calling. When I get pissed for getting denied and call them, they turn it back on. On the other hand, it's nice to know they aren't just approving every charge under the sun indiscriminately.

Bear in mind that whenever you card is out of your possession, it can be photo'd with a cell phone these days. When the waiter takes your card away to the terminal at the front register, you don't know what he's doing with it. Perfect way to get iTunes charges on your card.

--Wag--

 

[proud dad]

Glad in turned out ok

Mines been stolen several times.I am married.

 

[big jim]

I work on the petroleum industry and one of the latest trens is for crroks to get a ghosting device and install that in a gas pump hooked up to the card reader in there without any one knowing anything. When you slide your card in the pump all appears normal and you get your gas and know none the difference. What they do now is go back to that station and remove the device and hook it up to a computer and they now have the information . All of this is done without the gas station knowing anything. This has become such a hot issue that the FBI has now gotten involved. This is the reason that I never use the card reader inside the pump. I will walk my big behind into the store (I can also use the exercise).

 

[Turbo-Torch]

(heavybusa @ Aug. 11 2007,05:02) Well Turbo-Torch this topic rings close to home as I work in this industry.

You may still receive an affidavit which will need your time to fill out, it is not difficult by any means but has to be sent back

What has happened thus far, is that an early detection specialist sent your account to an adjuster, that person will be calling you to determine if this was truly fraud.

Keep in mind their job is to catch scammers so they may ask you a few questions, but completing and returning that affidavit is a step in the right direction to speed that up.

As far as your balance goes, capital one prides it self on fraud protection. You have received a temporary credit for all transaction deemed fraudulent and that will remain on the card until the adjuster closes the case. At which point the balance will be charged back to the vendor or written off.

They mentioned an affidavit would be sent with the new card. Sounds like it'll be sent later? As long as nothing shows up on my credit report it's all good.

Feel violated like when my old brick phone got cloned. Wasn't held responsible for that either as it was rampant back then. I did get a bit of satisfaction though as the scum used it to call his friends and all their numbers were on the bill. I had reverse directory CDs (long before Google was invented) so I had names and adresses. I made a hobbie over harrasing homie's friends and some are still probably looking over their shoulders till today.

 

[Wag]

(big jim @ Aug. 11 2007,13:21) I work on the petroleum industry and one of the latest trens is for crroks to get a ghosting device and install that in a gas pump hooked up to the card reader in there without any one knowing anything. When you slide your card in the pump all appears normal and you get your gas and know none the difference. What they do now is go back to that station and remove the device and hook it up to a computer and they now have the information . All of this is done without the gas station knowing anything. This has become such a hot issue that the FBI has now gotten involved. This is the reason that I never use the card reader inside the pump. I will walk my big behind into the store (I can also use the exercise).

The device is actually visible if you pay attention. If the slot looks damaged then yeah, don't use it.

Same thing with ATM's and other machines which accept credit cards.

--Wag--

 

[heavybusa]

(Turbo-Torch @ Aug. 11 2007,17:16)

(heavybusa @ Aug. 11 2007,05:02) Well Turbo-Torch this topic rings close to home as I work in this industry.

You may still receive an affidavit which will need your time to fill out, it is not difficult by any means but has to be sent back

What has happened thus far, is that an early detection specialist sent your account to an adjuster, that person will be calling you to determine if this was truly fraud.

Keep in mind their job is to catch scammers so they may ask you a few questions, but completing and returning that affidavit is a step in the right direction to speed that up.

As far as your balance goes, capital one prides it self on fraud protection. You have received a temporary credit for all transaction deemed fraudulent and that will remain on the card until the adjuster closes the case. At which point the balance will be charged back to the vendor or written off.

They mentioned an affidavit would be sent with the new card. Sounds like it'll be sent later? As long as nothing shows up on my credit report it's all good.

Feel violated like when my old brick phone got cloned. Wasn't held responsible for that either as it was rampant back then. I did get a bit of satisfaction though as the scum used it to call his friends and all their numbers were on the bill. I had reverse directory CDs (long before Google was invented) so I had names and adresses. I made a hobbie over harrasing homie's friends and some are still probably looking over their shoulders till today.

The affidavit wont be with the card, they are issued by two different areas.

You should see it a few days (no more than a week) after the card gets there.

This will not show up from Cap1 on your bureau BUT you need to pull your report and check to make sure you identity wasn't compromised.

A lot of people forget that.

Feel free to PM me if you need any help with the paper work, again it is very important you get that right to close this case.

 

[Turbo-Torch]

(big jim @ Aug. 11 2007,12:21) I work on the petroleum industry and one of the latest trens is for crroks to get a ghosting device and install that in a gas pump hooked up to the card reader in there without any one knowing anything. When you slide your card in the pump all appears normal and you get your gas and know none the difference. What they do now is go back to that station and remove the device and hook it up to a computer and they now have the information . All of this is done without the gas station knowing anything. This has become such a hot issue that the FBI has now gotten involved. This is the reason that I never use the card reader inside the pump. I will walk my big behind into the store (I can also use the exercise).

Funny you say that as I had a bad feeling over the last gas station I used it at. It was always a nice place but had become run down in a creepy way after new owners bought it. Pump panels are often loose or completely missing at times.

I was headed there Wednesday night and ended up making a u-turn and going to another station 4 miles down the road instead. I was sorta suspecting the owners but now that you mention this ghosting device, who knows.

 

[NightCrawler]

(Turbo-Torch @ Aug. 10 2007,22:58) Sunday I was sitting in front of the computer (reading this forum of course) and the phone rings.  Caller ID says Capital One with a phone number listed.  I answer and nobody is there.  I google the # and it's their fraud number.  Damn  

Called it back and some half asleep mushmouth answers and I can almost swear I here kids in the background like he's at home.  If I didn't google that # I would have suspected a scam at this point.

Some companes hire work-at-home agents for customer service.

Shop NBC and Virgin Mobile are 2 I know of. My cousin does it as a part-time job and she does it from the comfort of her own home.

 

[heavybusa]

(NightCrawler @ Aug. 11 2007,17:43)

(Turbo-Torch @ Aug. 10 2007,22:58) Sunday I was sitting in front of the computer (reading this forum of course) and the phone rings. Caller ID says Capital One with a phone number listed. I answer and nobody is there. I google the # and it's their fraud number. Damn

Called it back and some half asleep mushmouth answers and I can almost swear I here kids in the background like he's at home. If I didn't google that # I would have suspected a scam at this point.

Some companes hire work-at-home agents for customer service.

Shop NBC and Virgin Mobile are 2 I know of. My cousin does it as a part-time job and she does it from the comfort of her own home.

Although that is very true, capital one is not one of those companies.

 

[BlueHaya]

I have read where a guy doing an investigation on credit card theft and had put up transaction devices that where suppose to clean your credit card.
People where actually stupid enough to swipe their cards and gave all the info.....and these people are breeding folks.

 

[heavybusa]

ignorance breeds ignorance.

There is not way to 100% prevent theft, but you can keep an eye on your accounts and catch it.

 

[05 Busa LE]

NBC's Dateline's Chris Hanson did a story on internet credit fraud within the last 6 months or so.

Seems that once someone steals a card or the number, they sell it on some websites that are difficult to access. The story pointed out that most of the merchandise is sent to a small town in New York state, and they use unsuspecting residents to receive the goods and then forward them to other countries.

Pretty good story. Unbelievable, but great reporting.

 

[Turbo-Torch]

(BlueHaya @ Aug. 11 2007,15:49) I have read where a guy doing an investigation on credit card theft and had put up transaction devices that where suppose to clean your credit card.
People where actually stupid enough to swipe their cards and gave all the info.....and these people are breeding folks.

Nothing surprises me anymore after reading about the 76 year old perv going door to door offering free breast exams. Not one but two women in one neighborhood fell for it.