Victim of cc fraud!!
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Victim of cc fraud!!
| Fri, 07-08-2005 - 12:54am |
I had my dh take me out for a drive this evening as i haven't left the house in days, and when i came home, there was a message from my cc company (Chase) that said that there was suspicious activity on my account and to call back. And sure enough, I looked online, and today, someone used my cc to make a purchase in excess of $2500 online. i am so glad that they caught it and called me (I have never actually used this card for anything other than a balance transfer, never a purchase. i don't carry the card with me, even. Anyhow, their fraud dept is all over it, and i will call the credit bureaus tomorrow. I also called the police, though dh thought this was overkill. I would rather be safe than sorry. I am so frustrated right now!!
It scares me how easy it is for people tp be able to do this sort of thing. And for that amount of money!!! (like I need anything else to worry about right now LOL!)
Oh well, tomorrow is yet another day. Sheesh! Heather
It scares me how easy it is for people tp be able to do this sort of thing. And for that amount of money!!! (like I need anything else to worry about right now LOL!)
Oh well, tomorrow is yet another day. Sheesh! Heather

Hi Heather,
That same thing happened to me back in Dec (right before Christmas), boy was I steamed!!! You did the right thing by calling the police; you are a victim of a crime. Here is a link to the Federal Trade Commission's guidelines on identity theft:
http://www.consumer.gov/idtheft/
Sorry you have to deal with this; I know it's a real pain and causes additional stress...SHAME ON whoever did that to you!
BK
Honestly I doubt the person knows your name, so I would not worry too much about the identity theft part..
My company just got taken for about $18,000 worth of fradulent charges. It was a theft ring out of Nigeria. They would just randomly try 16 digit credit card numbers until they found one that matched, once that had a number they would use it till it no longer worked, and then they would change just a number or two until they found another working card, and so on...
We do everything over the phone or internet, so we never actually "see" the cards, and the credit card machines don't ask for the name on the card, just the number & expiration.
We processed the transaction over 3 months ago, the card owner called and disputed the charges. They were not responsible for any of it, and the credit card company has been seizing all our cc transactions until we hit the dollar figure we owe them.
Unfortunately there are crooked people all over the place.
Shannon
Shannon
Credit card theft generally is not personal, thieves will steal from anyone, they are not doing it to personally attack you. They are doing it to benefit themselves. To steal anything you have to be a selfish, thoughtless person. Those people are only out for themselves. Believe me "whoever in the whole wide world" did not steal your credit card number just so they could punish Beeking2001. Unfortunately it how it works.
I have had my credit card numbers used a couple different times, one was an ex, even he did not do it to "punish" me, he did it because he wanted the things he bought. The other time it was a clerk at a store that copied the number down. She did not know me from Adam, how could that be considered a "personal attack".
Unfortunately the people that are hurt by fradulant activity are the companys and many times small companys that accept the cards to begin with. My small company will struggle for the next 12 months to pay back the money we lost.
If you are dwelling on being a "victim of a personal attack" because someone stole your cc number, you are definately wasting energy and thoughts. Unfortunately this is going to be an ongoing problem that will get much worse before it ever gets better. Now it you felt vulnerable and attacked because of a physical crime, I would whole heartedly agree that you were personnally attacked and are in a vulnerable position, and should be angry at the world.
Just my opinion, take it for the 2 cents it worth.
Shannon
Shannon
Well unfortunately its impossible to verify a cardholder over the phone or the internet. My company does business all over the world, and we have to accept whatever name they give us, address, and if the card gets approved, the product gets shipped.
The credit card company that receives our payments should be the one verify the numbers and names & address of the card holders. They are the ones that should be stopping the fradulent charges from the get go instead of making the consumer report it after its already hit their credit card statement.
I agree you are a victim, I just said that credit card fraud is not a "personal attack".
Shannon
Yes, I agree with you about that. Some companies are very easy to use credit cards with and never even ask you for those 3 digits on the back. This makes the person using the number at least have the card in hand. I suppose even that's not 100%, but it's a lot less chancey than not asking for it.
I do a lot of technology purchasing where I work. When they don't do Purchase Orders, we sometimes have to order with an American Express card that's in someone else's name. It is only about a fifth of the time that the vendor asks for the 3 digit code. I actually LIKE it when they make me jump through some extra hoops to use that card.
Just my observations.
SpyWeb
The credit cards get processed through a credit card processing center "Merchant Services". Its a company in itself, not affliated with the little store or company that is selling its goods and services. They issue the little store a credit card machine that they regulate. We can only enter information that they ask into the credit card machine. We could ask the 3 digit number, but if it does not get entered into the credit card machine, how will we know thats the correct 3 digit number?
Do you understand what I am saying?
Shannon
Shannon