RCCrawler Forums

'04 Rubicon · 08-06-2008, 10:55 AM

I have recently become victim to check card fraud. It seems that someone was able to identify my CC #, 3 digit CCV #, and my zip code to make several online transactions for you guessed it...adult web sites. I got hit for like 10 of them in five days. This sucks mainly because now I have to cancel the card and relink everything that I pay with that card to the new check card.

I know that with the number of online transactions we make, it's bound to happen, right? Somehow, our name and info is sold from some list somewhere to criminals or people who do this crap. Three years ago somehow someone westerned union'd nearly $1000.00 out of my account and I had to do this same stuff then. This time however, it was all just online subscriptions. Anyway, the other PIA is that my bank will not refund the money for these kinds of transactions. They gave me the number to each of the companies the payments were made to and I had to call (or email) each one and explain what happened, and request to cancel whatever memberships were opened in my name, refund all the monies, and mark my account as fraudulent and investigate further.

I have obtained the persons email address, IP, and usernames used when opening the accounts, however, not sure if it's worth contacting police, etc. or just let them deal with it. As long as I get all my money back and eventually link all my payments-accounts together I should be good.

So I'm curious, how many of you have been victim to anything similar to this? I figure many of you guys make just as many or more online transactions, had any problems? For now on, I'm using a low limit credit card only for all online purchases and transactions. That way it's not gonna impact my personal checking account and there is only so much any potential crook can take. Guess I'm just venting but this whole thing really makes me a bit angry.

Grizzly4x4 · 08-06-2008, 11:30 AM

Quote:

Originally Posted by '04 Rubicon

So I'm curious, how many of you have been victim to anything similar to this? I figure many of you guys make just as many or more online transactions, had any problems? For now on, I'm using a low limit credit card only for all online purchases and transactions. That way it's not gonna impact my personal checking account and there is only so much any potential crook can take. Guess I'm just venting but this whole thing really makes me a bit angry.

I can imagine your frustration. That's why I've only used Paypal for the past several years and it is linked to a credit card that will reimburse me for credit card fraud. I would never use anything online like a debit card, that is linked to my "real" money.

Luckily I've not had problems, but I've also been very careful. In the past would not buy from small businesses with a CC. My thought is some small business online may be more susceptible to a hacker who could get any info stored on someone's PC. Again, that's why I use Paypal. Nowadays, I won't buy from anyone who doesn't take Paypal.

I hope you get fully reimbursed.

bob1961 · 08-06-2008, 11:31 AM

that's why i never do anything online with my cards....i get a phone number and deal over the phone with a person with any numbers off of my cards....that way i can keep records on who, what date and time i used my cards....i know they say there sites are secure....but you never know, as in your case you found out twice the hard way....bummer you have to deal with crap like that....but i keep it in my own control my way

.............bob

....

JeremyH · 08-06-2008, 12:31 PM

I too will use paypal anytime I can and I have it linked to my AmEx card (who is the best about instantly refunding your money and questioning the companies later to get their money back). I have had to request refunds through AmEx before and it a painless process. The only problem I have is that some local stores wont accept AmEx, so I have to have another card for that. Not that big of a deal though...

toyofast · 08-06-2008, 01:14 PM

I was a victim of this back in 2000. A website was hacked and thousands of peoples information was stolen. Took me about a year to clear it up. I had my money back in about 3-4 months but the whole process took a year to finish.

Then in 2003 I come to find out I had it happen again but with a cell phone company. Only issue is that I never even had a cell phone. I was on a business account with another cell company and my name wasn't attatched to any type of cell phone bill. I was given the address of where those bills were being sent, drove over there and find out it's some park. This one took about 1.5 years to clear up.

jbrandt · 08-06-2008, 01:54 PM

hell yes it's worth it to report this to the police. With all the info you have on them, it should be easy for the police to track them down. Hell, this probably isn't the first time they've done this, so I'm sure this will just add to the rap sheet.

CSR · 08-06-2008, 02:14 PM

The same thing happened to me about 2 weeks after I got my debit card. I had gone years dealing in cash or checks, more because I didn't trust myself to be able to keep up with my balance using debit. I finally get one late last year and get robbed 2 weeks later! I got hit with about 10 charges from online merchants totalling close to $2000. We had $1200 in the account, $800 overdrawn. The bank put back the money, but I had to drive an hour to the bank where my account was opened and miss a day of work. It finally got straightened out but was a huge PITA!!!!

thatguy · 08-06-2008, 04:09 PM

did you sign up for a site? i signed up for one site then got billed from 3 others.call the customer service numbers on your statement.talk to the folks in some third world nation.they will tell you they can reverse the charges but will make it harder to buy online porn. the money should be in your account in 7 to 10 days.then call the bank and have them remove the international trans. fees. i go through this every time i download new porn.

thatguy · 08-06-2008, 04:12 PM

Quote:

Originally Posted by jbrandt

hell yes it's worth it to report this to the police. With all the info you have on them, it should be easy for the police to track them down. Hell, this probably isn't the first time they've done this, so I'm sure this will just add to the rap sheet.

the police wont do anything most are offshore accounts run in a slum in a third world nation.

TEDROCKZ · 08-06-2008, 04:22 PM

I got hit last summer for 500 on my Atm/Debit card. Luckily whoever used it went through a secured site and they caught it and refunded my $(After 30 plus days). The hard part was all the aggravation of cancelling my card and waiting on a new one. Now I use on of the Green Dot prepaid Visa cards on most online purchases, at least you can apply to it just what is needed for a purchase. Saw on the news today where 11 were arrested for stealing/hacking 40,000,000 plus #,s. This let's me know nothing is safe.

08-06-2008, 10:55 AM	#1
'04 Rubicon Rock Crawler Join Date: Jun 2007 Location: Hopewell Posts: 663	Credit/Check Card Fraud I have recently become victim to check card fraud. It seems that someone was able to identify my CC #, 3 digit CCV #, and my zip code to make several online transactions for you guessed it...adult web sites. I got hit for like 10 of them in five days. This sucks mainly because now I have to cancel the card and relink everything that I pay with that card to the new check card. I know that with the number of online transactions we make, it's bound to happen, right? Somehow, our name and info is sold from some list somewhere to criminals or people who do this crap. Three years ago somehow someone westerned union'd nearly $1000.00 out of my account and I had to do this same stuff then. This time however, it was all just online subscriptions. Anyway, the other PIA is that my bank will not refund the money for these kinds of transactions. They gave me the number to each of the companies the payments were made to and I had to call (or email) each one and explain what happened, and request to cancel whatever memberships were opened in my name, refund all the monies, and mark my account as fraudulent and investigate further. I have obtained the persons email address, IP, and usernames used when opening the accounts, however, not sure if it's worth contacting police, etc. or just let them deal with it. As long as I get all my money back and eventually link all my payments-accounts together I should be good. So I'm curious, how many of you have been victim to anything similar to this? I figure many of you guys make just as many or more online transactions, had any problems? For now on, I'm using a low limit credit card only for all online purchases and transactions. That way it's not gonna impact my personal checking account and there is only so much any potential crook can take. Guess I'm just venting but this whole thing really makes me a bit angry.

08-06-2008, 11:31 AM	#3
bob1961 I wanna be Dave Join Date: Mar 2008 Location: Wayne county. PA Posts: 2,507	that's why i never do anything online with my cards....i get a phone number and deal over the phone with a person with any numbers off of my cards....that way i can keep records on who, what date and time i used my cards....i know they say there sites are secure....but you never know, as in your case you found out twice the hard way....bummer you have to deal with crap like that....but i keep it in my own control my way .............bob ....

08-06-2008, 12:31 PM	#4
JeremyH I wanna be Dave Join Date: Sep 2005 Location: Houston, TX Posts: 16,952	I too will use paypal anytime I can and I have it linked to my AmEx card (who is the best about instantly refunding your money and questioning the companies later to get their money back). I have had to request refunds through AmEx before and it a painless process. The only problem I have is that some local stores wont accept AmEx, so I have to have another card for that. Not that big of a deal though...

08-06-2008, 01:14 PM	#5
toyofast I wanna be Dave Join Date: Feb 2004 Location: Columbia Gorge Posts: 5,512	I was a victim of this back in 2000. A website was hacked and thousands of peoples information was stolen. Took me about a year to clear it up. I had my money back in about 3-4 months but the whole process took a year to finish. Then in 2003 I come to find out I had it happen again but with a cell phone company. Only issue is that I never even had a cell phone. I was on a business account with another cell company and my name wasn't attatched to any type of cell phone bill. I was given the address of where those bills were being sent, drove over there and find out it's some park. This one took about 1.5 years to clear up.

08-06-2008, 01:54 PM	#6
jbrandt Quarry Creeper Join Date: Jun 2007 Location: Sacramento Posts: 338	hell yes it's worth it to report this to the police. With all the info you have on them, it should be easy for the police to track them down. Hell, this probably isn't the first time they've done this, so I'm sure this will just add to the rap sheet.

08-06-2008, 02:14 PM	#7
CSR RCC Addict Join Date: Jun 2004 Location: SERCRC Posts: 1,680	The same thing happened to me about 2 weeks after I got my debit card. I had gone years dealing in cash or checks, more because I didn't trust myself to be able to keep up with my balance using debit. I finally get one late last year and get robbed 2 weeks later! I got hit with about 10 charges from online merchants totalling close to $2000. We had $1200 in the account, $800 overdrawn. The bank put back the money, but I had to drive an hour to the bank where my account was opened and miss a day of work. It finally got straightened out but was a huge PITA!!!!

08-06-2008, 04:09 PM	#8
thatguy Quarry Creeper Join Date: Jul 2005 Location: pleasant ridge Posts: 317	did you sign up for a site? i signed up for one site then got billed from 3 others.call the customer service numbers on your statement.talk to the folks in some third world nation.they will tell you they can reverse the charges but will make it harder to buy online porn. the money should be in your account in 7 to 10 days.then call the bank and have them remove the international trans. fees. i go through this every time i download new porn.

08-06-2008, 04:22 PM	#10
TEDROCKZ I wanna be Dave Join Date: Jan 2008 Location: Arat Alabama Posts: 2,678	I got hit last summer for 500 on my Atm/Debit card. Luckily whoever used it went through a secured site and they caught it and refunded my $(After 30 plus days). The hard part was all the aggravation of cancelling my card and waiting on a new one. Now I use on of the Green Dot prepaid Visa cards on most online purchases, at least you can apply to it just what is needed for a purchase. Saw on the news today where 11 were arrested for stealing/hacking 40,000,000 plus #,s. This let's me know nothing is safe.

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