Credit card fraud? You been abused?

nowye'retalkin

So there I am enjoying a nice coffee at lunch and I get a call from NIB asking about a payment of 2.80 euro to some whacko site in some far off country on my credit card. After about a 5 minute discussion we came to the conclusion my CC had been used and abused. Next we moved onto the 1400 Euro for car hire in germany against my CC.

You don't want to know what I ranted about for the next 5 minutes. 2.80 euro versus 1400 euro query?

/deep breaths...

Has anyone esle out of the blue found out their credit card has been compromised? i am really, really carefull but it still happened to me

DeVore? Jim?

zonEEE

Happened to my dad before but it was through paypal, I think we had keylogger or a worm or something along the lines of that Anyways we got a call from paypal asking about 2k being spent all over the place, fair play they refunded the 2k and limited the account till we got it all sorted. Also my isp rang up saying wtf were we at port scanning some uni in the USA? was like err whats port scanning ? so it seems all of the activity was linked and a format sorted it all out.

CreepingDeath

nowye'retalkin wrote: »

So there I am enjoying a nice coffee at lunch and I get a call from NIB asking about a payment of 2.80 euro to some whacko site in some far off country on my credit card.

The 2.80 would've been a small purchase just to see whether they had your valid card details. They might've even done it to prove it was valid before selling the details on to someone else.

NiSmO

This post has been deleted.

Latchy

Sometime last year , credit card company warned me of irregular activity on my account with somebody attempting to purchase something using my card details .Problem was they went over my credit limit and it was that which raised alert .They were unsuccessful .Only time I have had this problem in 12 years.

Captain Slow IRL

A month or 2 ago - some ass tried buying something in L.A. and the card was frozen as a result. Luckily nothing was charged to the card. I didn't find out til I tried to use it a few days later and was denied. Cue the call to customer service where the story unfolded.

Sneaky f*ckers

CreepingDeath

They can get your card details in a number of ways... the classic ones are

- virus on your PC, waiting for you to use online banking in some form and capturing your details as you log in. ( key loggers or redirecting all your network traffic through their server - internet proxying )
So keep your anti-virus software up to date. ( AVG is free )

- skimming your card, especially targetting tourists in restaurants and the like where they take your card away to validate it but copy the details with their own card reader.

- phishing - sending out fake e-mails asking for your details.

- identity theft - getting enough information on you to apply for the card in your name / new card sent to new address. The paranoid among you should always shred your bank statements and the like before throwing it in the bin.

- fake websites - redirecting naive computer users to fake bank / paypal web sites to capture your details

Latchy

The fact that credit card fraud in on the up and up tells it's own story .

News item on bbc tonight exposed an indian call centre person trying to flog peoples CC details for $12 dollars each .

Ah-Watch

latchyco wrote: »

News item on bbc tonight exposed an indian call centre person trying to flog peoples CC details for $12 dollars each .

It wasn't Three Customer Care was it?:DFTW;)

Latchy

Ah-Watch wrote: »

It wasn't Three Customer Care was it?:DFTW;)

Hidden camera on the guy in question didn't say who he worked for . I try to avoid giving such details over phone, be they indian call centres or not .Doesn't take much guessing to work out many more people like him to .

eman66

Ah-Watch wrote: »

It wasn't Three Customer Care was it?:DFTW;)

How I was caught.

Lobelia Overhill

I used my card to dowload music from a well known site 18 months ago, a few weeks later every time I tried to use the card it would get rejected, eventually I got a letter from the fraud investigators at the CC company (BoI) asking me to phone them. Turns out my details had been stolen from that music site (the people from the fraud dept were keeping an eye on cards that had been used on that site, because they knew some hackers had cracked the site, taken people's CC numbers and gone on spending sprees) and someone had run up over 2 dozen charges on my card for various things in England. They [fraud peeps] knew something was up and blocked my card, then contacted me. I was sent a new card, and a few weeks later got a statement which had one fraud charge on it, so I phoned the number I'd been given and said that a charge had been carried over onto the new card, the snotty bitch lovely young woman said something along the lines of "you approved a payment to X [website] so everything your card was used for after that date was approved as well." I didn't approve of any such thing and I explained laboriously to this woman that someone read out a list of charges to my card and I said "yes" or "no" to them, after I'd said "no" about 19 times the fella said "ok so, your card's been hacked, we'll cancel it and send you a new one", presumably the charge I'd ''approved'' was one of the ones after the fella gave up listing them out. The cheeky bitch lovely girl sent me a letter stating that I had to pay for everything on the card from such-and-such a date because I'd said on the phone that I was approving these charges. And she marked the letter WITHOUT PREJUDICE :mad:

Fair do's to them for noticing something was wrong and letting me know about it, but I'll slap that cow send a bunch of flowers to the snarky bitch sweet young lady.

I've not had any problems since then.

FruitLover

Never happened (although working in IT security, I'm very careful about both personal information and CC transactions), but I still check my statements online regularly, just in case...

CreepingDeath wrote: »

AVG is free

So's linux. Better solution.

Firetrap

Happened to me couple of years ago. First I knew of it was when the bank rang me. Their systems detected suspicious activity on my card. A couple of different sources tried to validate my expiry dates and take money off the card. It also happened to a friend of mine. Some place in the US of A tried to take something like $2 off his card. Only problem was, they were also trying the same trick with many thousands of other people. Neither of us has any idea how our card details fell into da wrong hands

Another friend of mine got done a few years ago as well. She had a friend who was getting married and had a wedding list with a certain large store in Dublin. My friend, not being online at the time, rang up the store and did the wedding list thing over the phone. A week or two later she was paying for stuff in the supermarket when the card was refused. To cut a long story short, turned out that someone working in the shop in Dublin had used my friend's details to go on a major spending spree and maxed out the card.

JohnCleary

In fairness, some people saying above that MANY transactions had been made, and THEY had to be contacted before they found out? FFS keep a better eye on yer online banking etc!

Oul mans PayPal almost got duped not so long ago, i'm blaming a KeyLogger

However i've his paypal account linked to my email (for instances like this) and got an instant "thank you for your payment" - Turns out some guy in Indonisia tried to buy a 400 dollar laptop from the US

Once I got the email (thought it was phishing first, so logged in myself on a seperate PC) and saw the charge.

Started a dispute with PayPal so they limited the account from future transactions as they found the transaction suspicious (ffs if you find it suspicious you should block THAT transaction as well as future ones!), contacted the eBay seller straight away telling them it was a scam. Then contacted bank and froze the CC

Quick thinking meant that the eBay seller didn't send the laptop, hence he wasn't out of pocket and refunded the money straight away - Everything was sorted and refunded within 18 hours, all PayPal info changed, CC un-frozen and HDD formatted

Bit of a pain in the b0llix but moral of the story: Quick thinking = quick refund (Bank even offered a charge-back after 48 hours if PayPal didn't resolve it as we acted quick (within minutes) and had a paper trial for everything))

m5ex9oqjawdg2i

Someone used my CC to buy a game on a website I never heard of, they sell games I never heard of. That was before christmas, still waiting back from them. The company asked me for my account details to refund the money, why not refund it to my CC?

I never let anyone use it, I burn all my records of my CC. Use it only when I really need to, booking flights etc. Lucky it was only 30 they took off me

Blush_01

I check my online banking daily - it's a habit I've gotten into.

giggsy664

Stetson Plump Crowbar wrote: »

Someone used my CC to buy a game on a website I never heard of, they sell games I never heard of. That was before christmas, still waiting back from them. The company asked me for my account details to refund the money, why not refund it to my CC?

I never let anyone use it, I burn all my records of my CC. Use it only when I really need to, booking flights etc. Lucky it was only 30 they took off me

Yeah...

I'm still waiting on team fortress 3...

Mimikyu

This post has been deleted.

Capt'n Midnight

http://s5.tinypic.com/er9y0x.jpg

Terry

I've been accused of boards.ie fraud.
Someone registered a name and the mods thought it was me.
I pointed out they were suffering from mercury poisoning and they let me go.

25

The simple fact of the matter is no credit card is safe,
All you have to do is go into any shop and the staff have full access to your credit card when you give it to them to pay for anything you buy eg food in a resturant/fast food/ new laptop/ car service/ new tv anything.
Once you give someone your credit card they can do what they like with it when the transaction is completed the merchant copy has your credit card number and details and the customer copy does not.
All they need is your ccv number on the back of your card and the expirey date.

Lets say someone was working in a shop and someone handed him a credit card to pay for petrol all he had to do is remember the expirey date eg 5/09 and the ccv 138 then later take out the credit card recipt and take down the number and store it somewhere safe for a few months until the customer had forgotten about it then he could do what he liked with it becuase more than likely the customer would not know who has his details and from what you have said above unless he was spending lots of money with it he would not get caught for a while.

This is the reason i do not have a credit card, Cheaking your online banking every day is a very good idea

Berty

Some guy in the US used my credit card details to buy business cards, reams of paper and a book in New York.

You think he would have gone a little mad and........... i dunno............bought himself a flat screen.

Mr.Lizard

CreepingDeath wrote: »

The 2.80 would've been a small purchase just to see whether they had your valid card details. They might've even done it to prove it was valid before selling the details on to someone else.

Makes sense. Last year I lost my card in town and promptly ask my provider to put a freeze on any attempted transactions that might be made until I found it again (at the time thought it might be down the back of the couch or whatever). Sure enough the next day it turned out someone had attempted to make a transaction but the thing that always puzzled me was why it was for an item costing less than €20? I guess that explains it! They did me a favour anyway cos at least then I knew it was stolen and could cancel the thing without having to look any further. Cheers fraudsters!

(Never been a victim of 'virtual' fraud yet. Only really use the card for a handful of very wellknown sites and never in 'the real world' ie atms, shops , restaurants etc)

Gummy Panda

Stetson Plump Crowbar wrote: »

Someone used my CC to buy a game on a website I never heard of, they sell games I never heard of. That was before christmas, still waiting back from them. The company asked me for my account details to refund the money, why not refund it to my CC?

I never let anyone use it, I burn all my records of my CC. Use it only when I really need to, booking flights etc. Lucky it was only 30 they took off me

Get onto your bank and do a chargeback!!

I had someone buy 120 euro worth of MS XBL points using an old XBL gamertag belonging to me. They either hacked into the account or somehow recovered the tag from hard drive. The hard drive was wiped and left into a Dublin recycle centre.

I literally was onto MS 5 mins after the transaction. I got my money back a few weeks later. MS said they can only restrict the gamertag but can't bar it from logging onto XBL or ban the xbox commiting the fraud.

My bank had chargeback ready to go through if MS messed me around with the refund.

justcallmetex

Just some general info on CC fraud. A lot of peeps worry about their card been ripped off but the fact is the money been stolen is not yours it belongs to the bank hence you are not being personally ripped off it”s the banks loss not yours.

Smart Bug

Hmm, the questions in the thread title are somewhat mutually exclusive, no?

Capt'n Midnight

justcallmetex wrote: »

Just some general info on CC fraud. A lot of peeps worry about their card been ripped off but the fact is the money been stolen is not yours it belongs to the bank hence you are not being personally ripped off it”s the banks loss not yours.

I thought the idea behind chip and pin was to get the banks off the hook by transferring the burden of proof on to the customer.

Credit cards are insecure.
Until the banks take full liability for fraud they will stay insecure.
You don't need to crack the chip, since all the data needed is on the magnetic stripe.
You don't need to crack the chip and pin machine , you can use video cameras or look at the customer or you can read unencrypted data off the contacts on the machine.

Owen

I got hit for about 5 grand in hardwood flooring, a set of wheels, about 8 various purchases from best buy in the states. Turns out a merchant I dealt with for buying specialised parts for my car for was at it wholesale. The total run up on my card was close to 9k, but in fairness, it was all covered by the bank.

Krieg

I received an email from a company saying "Ty for buying x and y", I immediately went into wtf mode and rang the cc company, but there were no charges made. So I rang the company who sent the email and they followed it up. Turned out the customer had the same name as me and almost similar email address and he had just entered the wrong email add.
It was a small mistake but it sh1t me up as it was my fathers cc and I was under the impression at the time that banks wiped their hands clean of such fraud.

twanda

I have just opened my first PayPal account because I often order things online. I thought PayPal would be the safest method of payment but am not so sure now

Can someone clarify for me -- how exactly does a PayPal account get compromised? Is it only in the case that there is a worm/keylogger on my PC?
Thanks

ScumLord

twanda wrote: »

Can someone clarify for me -- how exactly does a PayPal account get compromised? Is it only in the case that there is a worm/keylogger on my PC?
Thanks

No but you have to watch paypal emails you get. Many of them could be fake.

faceman

I had my laser card skimmed in a well known chain of petrol stations about a year or 2 ago. You should always cover your hand when entering your pin even while in a shop.

People should be careful when paying for stuff in the flesh with their cc. The fine print of cc agreements are explicit when it comes to under what circumstances you are covered and when you are not.

E.g. your card must never leave your sight at any time. A shop/restaurant should not take your card away to go somewhere else to swipe it. And if they have to, you should go with them.

CreepingDeath

twanda wrote: »

I have just opened my first PayPal account because I often order things online. I thought PayPal would be the safest method of payment but am not so sure now

Can someone clarify for me -- how exactly does a PayPal account get compromised? Is it only in the case that there is a worm/keylogger on my PC?
Thanks

Phising e-mails too, where someone claims to be the paypal customer support department and asks you to visit a fake website of theres which looks like PayPal.

Also, people tend to use the same passwords for all websites.
So if someone got your boards password, they may try it against your paypal account.

It's good practise to have different passwords for different types of website. Strong passwords for financial stuff, different passwords for the rest.

Rabies

I had 70 cent taken from my credit card a few years ago. AIB picked up on it straight away, called me. Cancelled my card and was issued a new one.

THe next time I was over seas my credit card wouldn't work. Called AIB to find out why, it was because of the previous scamming done to it. I needed to confirm it was me using the card to get it activated for use overseas.

RandolphEsq

CreepingDeath wrote: »

The 2.80 would've been a small purchase just to see whether they had your valid card details. They might've even done it to prove it was valid before selling the details on to someone else.

Something you're not telling us? And judging by your signature . . .