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GARDENDIVA2 Posts: 611
4/12/13 3:25 P

GEVANS7 - That is what I was also told by the credit card company. The thieves generate cards with random numbers. They have no idea who it belongs to or if it is even a good number. They usually charge a few amounts under $5 and if that works they go for the limit.

All of my cards are from Chase and they seem to catch everything. A few years back I had 2 cars. I filled both of them up at the same station on the same day. Early the next day I got a call asking if I had made the charges.

"If we did all the things we were capable of doing, we would literally astound ourselves." - Thomas Edison
MANDIETERRIER1 Posts: 14,120
4/12/13 12:30 P

My credit card company is like that too. If there is any suspicious activity I get notified that day. And I have never had to pay.



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GEVANS7 SparkPoints: (95,909)
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4/12/13 11:21 A

It was the credit card company that notified us with in 2 hours of the charges taking place. Very impressive. We won't be charged anything. Very oddly, the first charge was for $1 - I guess to "test" it - then they went on a spending spree, all without the card, only numbers and no security code.

MISSRUTH Posts: 4,028
4/12/13 9:29 A

With a credit card, you can dispute the charges and not pay. If you use a debit card though, the money will be deducted right away from your account. You can dispute the charge and *maybe* they'll give you the money back... But it's effectively gone from your account til the issue is resolved. When purchasing anything, I always use a credit card and not my debit card-- I only ever use that one to get cash at an ATM at the bank, after hours.

Ruth in Cookeville, TN Central Time Zone


Promise me you'll always remember: You're braver than you believe, and stronger than you seem, and smarter than you think - Christopher Robin to Pooh
FENWAYGIRL18 Posts: 5,856
4/11/13 11:56 P

WoW you really got robbed, I hope your not responsible for any of that. I know they got a hold of my Discover number and Discover realized it right away and called me they did get 200 in itunes, which I'm sure they had to get caught by the computer address number and then bought something for like 15 bucks at a Florida Mall, I live in MA... When they told me the name of the mall I was like where is that? hahaha they said oh Tampa Florida haha I said I live in MA.
I was lucky I wasn't responsible for any of the charges , I hope you were that lucky, but they really went to town on your card.
It's wrong to steal, this society is getting worst and worst technology is ruining families (they'd rather be on their phones, computers, x box games then to sit down and talk. It's a scary world we're living in

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MANDIETERRIER1 Posts: 14,120
4/11/13 6:53 P

I second what Mashamoo said and if you ask nicely the credit card company they won't even charge the $50.

Unless someone has a habit of being delinquent on credit cards. These things are generally easily resolved.



Eat what you like and if someone comments, eat them too

Mandies_Friends Zazzle Store
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Making a purchase from Mandie's_Friends helps with Mandie's medical expenses.
MASHAMOO Posts: 1,667
4/11/13 10:50 A

Most states have specific laws about credit card fraud. Although the thieves are very hard to catch, the card companies are "supposed to" only charge the card holder for the first $50 of fake purchases. If the rest of the transactions go through, the card company is "supposed to" eat it, not you.

GEVANS7 SparkPoints: (95,909)
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4/10/13 3:53 P

Thanks for all the input. I'm glad the credit card company caught it so fast and overnighted a new account/ card to my husband. The charges started after the transaction at that particular store.

KKKAREN SparkPoints: (224,301)
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4/10/13 10:42 A

When I want to buy online I go buy a prepaid card for the amount I need. It costs $3/mo at Walmart.

Karen
FIRECOM SparkPoints: (107,673)
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4/10/13 10:29 A

I am moving to an all cash system as well. But if you buy anything on line, you need a card. So the rule of be very, very cautious.

"It is easier to raise good children than to fix bad men" by Fredrick Douglas.

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MYUTMOST4HIM Posts: 11,447
4/10/13 8:42 A

this happened to my DH and I @ 13 years ago - the guy wasn't "caught" as in arrested - but he was caught in that the charges weren't approved

"Be not afraid of going slowly, only of standing still"
KKKAREN SparkPoints: (224,301)
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4/10/13 8:40 A

Cash is King. I haven't had a credit card in years. I recently got my once a year free credit report and low and beyond someone opened a card in my name, ran up a big balance and of course skipped on it. So it's not just your money they steal but your good credit as well.

Karen
GRAPHICS2 Posts: 5,001
4/9/13 9:17 P

This has happened to me also, it wasn't for a very large amount but the bank refunded the amount and issued a new card. Seems there is no way to protect oneself.

UMBILICAL Posts: 12,786
4/9/13 8:55 P

Protect yourself

MANDIETERRIER1 Posts: 14,120
4/9/13 7:57 P

My credit card company calls me when there are suspicious charges on my card.

They also replace my card immediately if a website or store database has been compromised



Eat what you like and if someone comments, eat them too

Mandies_Friends Zazzle Store
www.zazzle.com/mandies_friends+gifts

Making a purchase from Mandie's_Friends helps with Mandie's medical expenses.
GARDENDIVA2 Posts: 611
4/9/13 6:13 P

Just for added knowledge, how did they track the fraudulent charges to a particular store? Or were all the charges at the same store?

I have had my card number fraudulently used twice in the last 3 or 4 months. Each time the card company has called me to verify the charges and then declined the charge to the merchant. One particular charge was for $1,000 at a drug store.

When I asked how could this happen, the card company agent said that they just keep generating numbers until one works. They did not actually get the number from your card.



"If we did all the things we were capable of doing, we would literally astound ourselves." - Thomas Edison
BLUENOSE63 SparkPoints: (106,585)
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4/9/13 5:54 P

Yes I know how you feel....happened to us after Christmas before NewYears....someone charged a new computer, some furniture and a trip for $16,000. We didn't pay for any of it as we are insured against this type of thing but I was still angry someone could charge a trip of that magnitude.....I called the credit card company and said I pay extra for you to stop these charges through tracking and you didn't. I demanded they give me the 20,000 points associated with the purchases and they did!

LILLIPUTIANNA Posts: 1,041
4/9/13 5:45 P

It's not likely to be the clerk that did the transaction with your husband. More than likely, it's someone within the company selling credit card numbers to people who do not work for the company.



MAGGIEVAN SparkPoints: (171,844)
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4/9/13 5:31 P

We had a similar problem and cancelled our card. The card company refunded us.

Maggie from Auckland the City of Sails in New Zealand.

"Scar tissue is stronger than regular tissue. Realize the strength, and move on." Henry Rollins.

LEC358 SparkPoints: (10,688)
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4/9/13 4:29 P

Actually, if it was a relatively big store those places require cashiers to log into the register so its likely your husband's transaction has an employee id next to it which can be matched and the perp arrested...unless the clerk used someone else's ID. But we can hope that he's not that smart since the transactions got so suspicious so quickly.

I_HEART_MY_FAM Posts: 1,809
4/9/13 4:27 P

OMGOSH I am so sorry. I had attempted fraud done to me. I got a call from one of my card companies asking if I tried to use my card in my home state but another town for a $700.00 purchase. I replied with omg no. I did not have $700.00 available on that card, so it did not go through. It was a tough time for us so it barely had about $300.00 on it. During that call we closed the account and got a new one with a new account number. I am now credit card free :). I hope you do not get stuck with having to pay that.

Edited by: I_HEART_MY_FAM at: 4/9/2013 (16:29)
OBIESMOM2 SparkPoints: (77,685)
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4/9/13 4:12 P

for some reason, many of these folks see this as stealing from a big company and think that it doesn't really hurt any individual.

the whole 'stealing is WRONG' thing just kind of escapes some people.

glad that it was caught quick and I hope everything is easily resolved

oh...I did read this article recently money.msn.com/now/post.aspx?post=036d1e94-
1af5-4fd5-8cd3-c0075118c55b


The most handicapped person in the world is a negative thinker; a person who has the skills, abilities, talents and tools, yet chooses not to use them.
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Forget your perfect offering, there is a crack in everything. That's how the light gets in.
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GEVANS7 SparkPoints: (95,909)
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4/9/13 3:56 P

More stress- American Express just called to inform my husband of fraudulent charges. They tracked it down to his latest purchase at a mall store. They denied all but one charge (the first@ $500 - then someone went on a spending spree. $3000.00 in furniture, $500.00 in groceries, $10,000.00 in electronics.

He's on his way to have a discussion with the manager of the store. SAD state of affairs. Why do people think they have the right to live this way? I'm sure the clerk will just move on to another job and rinse, lather, repeat.

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