Helpful ReplySomething you don't want happening to you....

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Mesh
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2014/07/21 10:20:02 (permalink)

Something you don't want happening to you....

Just yesterday, our bank card (ATM) checking account was compromised. We hadn't used our cards at all yesterday, but when we looked online, it showed 3 items being "in process" (Chili's restaurant for $135, some Game store for $20, and a mini mart for $1) and all in Florida, but a different city than the one we live in. Fortunately, we always keep a low balance in that account and they're not able to get anymore from there.
 
Of course, we called our bank and had them take a look at it........they said they can't do anything until the "payment is processed" and then will do an investigation. They also will refund our money. It's just unsettling to know that some "punk" out there is abusing our card info (probably got it from a fast food restaurant or some other place where I purchased with my ATM). I'm not surprised that this has happened to us as this type of thing is like a "hobby" for these punks, but just annoyed that it happened.

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#1
Old55
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Re: Something you don't want happening to you.... 2014/07/21 10:35:28 (permalink)
It's a good thing you discovered it early.  Good luck with it.  

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Beagle
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Re: Something you don't want happening to you.... 2014/07/21 11:14:25 (permalink)
we've had this kind of thing happen several times, actually, but the bank has always caught it before we do and we didn't have to do anything except set up a new PIN with a new card.  inconvenient cause we had to wait a few days for our new card while the old one was deactivated.  but at least no charges were ever even finalized on our card.

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#3
Mesh
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Re: Something you don't want happening to you.... 2014/07/21 12:00:18 (permalink)
Yeah Beags, that's kind of what's going to happen (setting up PIN/new card etc...) except, the bank said that they have to wait until "payment processes" before doing anythng.
 
I suppose in cases like this, the banks are the ones to have to eat that money?

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Beagle
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Re: Something you don't want happening to you.... 2014/07/21 12:02:46 (permalink)
I'm not sure, I think they have some type of insurance. 

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Re: Something you don't want happening to you.... 2014/07/21 12:23:58 (permalink) ☄ Helpfulby Mesh 2014/07/21 12:22:29
I'm sorry that happened, Mesh. I hope they catch whoever did it and string them up by their curly hairs.
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Re: Something you don't want happening to you.... 2014/07/21 13:01:18 (permalink)
Leadfoot
I'm sorry that happened, Mesh. I hope they catch whoever did it and string them up by their curly hairs.

Or leave them with me for ten minuets.
 
Sorry to hear Mesh hope it gets sorted.

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#7
Mesh
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Re: Something you don't want happening to you.... 2014/07/21 13:11:52 (permalink)
Yeah, I'd like to have them spend some "quality time" with Wooks!!
 
It's not much of big deal as I'm not a rich guy and there's only so much they can really get, but I do wish there was some sort way to stop them or even a better "checks/balances" system that these businesses can use. In my case, they didn't even have the card, but were able ot eat at Chili's.....  

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spacealf
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Re: Something you don't want happening to you.... 2014/07/21 13:48:12 (permalink)
Ya, happened to me for $1.17 in New York, about 1000 miles away. They have new cards in Europe they use where that can not happen anymore, oh, but it would cost too much to implement it here.
 
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Guitarhacker
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Re: Something you don't want happening to you.... 2014/07/21 14:48:03 (permalink)
Yeah... a real pain and a growing problem.
 
First time I went to Argentina, I contacted the CC company to inform them I was traveling and not to shut down purchases in Argentina. So when I got back to the US I had a call on my answering machine to contact CC services ASAP. As I was going through MIA leaving the country, I bought a book in the airport book store. The cashier told me her card swipe was down and she needed to process it the old fashioned way.... roll the card and leave the receipt with the number..... Seems that someone in the store swiped the receipts and my number was used in California to buy $1500+ worth of electronics. I went through the charges on the card since I left till I returned and the CC company ate the charges I didn't make and issued a new card. 
 
My wife recently got a new card due to the TARGET scandal.
 
It always pays to check your bill....item by item. If you get a fraudulent charge and pay it.... then they hit you again for a larger fraudulent charge, it's hard to dispute the second one since you paid the first one.
 
The new cards coming out now are proximity cards and can be read by the sniffers when they are simply close and the cards are still in your wallet in your pocket.  Companies are selling RF screening inserts and wallets to prevent that. 

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#10
paulo
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Re: Something you don't want happening to you.... 2014/07/21 15:43:31 (permalink)
The $1 one was probably the tester - they do that over here to make sure the transaction goes through ok before they hit you with the big ones. If the $1 doesn't work it's easy for them them to pay cash and bluff their way out of the card thing. Anyone using a card for a $1 purchase should automatically set the alarm bells ringing  - might save a lot of costlier fraud later on.
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craigb
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Re: Something you don't want happening to you.... 2014/07/21 17:30:38 (permalink)
Mesh
In my case, they didn't even have the card, but were able ot eat at Chili's.....  



My guess is that it was a phone order which only asks for the CCV number on the back to "prove" you're holding the card.  Usually, they want to see the card when you show up to grab the food but, if it goes through just fine and they're busy, they're more than happy to give you your bags and move on to the next person.
 
+1 with what Paulo said about the $1 test charge too.  I once had perfect credit and a Platinum Am/Ex card was one of the cards I had.  I had a pro take my wallet out of my front jeans pocket in a very brief window of time at a Macy's once.  Within ten minutes they had gone down the street to a jewelry store and spent $9,800 then never used the card again.  They knew what cards to use and not use, the amount of time they had available and how much they could use without a flag being raised.  Didn't have to pay, but never heard what happened and replacing the stuff in my wallet was a huge pain (plus I couldn't buy what I had spent time looking for - I was pissed!).

 
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