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Revision on my sons stolen credit card information

Sunday, February 05, 2012

Who says "it will never happen to me" is absolutely WRONG!!

**WARNING, WARNING!! ******************
This true story in this blog WAS NOT caused by online banking, in fact IF he did not have online banking he would not have caught it so fast and the thieves would have got away with it. or best case scenerio he would have had to wait months (or sometimes never) to have this cleared up.

So sad we have to spend so much time dealing with thieves.

My son was checking his on-line checking account and was sent into panic mode...HIS ACCOUNT WAS HACKED!! Luckily he had checked it today and saw a charge for $634 to walmart.com. Immediately he contacted his bank and informed them of the fraud - the charge was pending - they said they could not do anything about it until it was no longer pending - WHAT THE HELP?! He was calling them to inform them of a fraudulent charge and they won't do anything?? ok, lets get this straight- I warn you and you do nothing?!

well.. anyhoo, he cancelled his card.

Next, he did something that astounded me,,, he actually listened to me and he contacted Walmart.com and explained what happened. GOOD NEWS! They were able to cancel the transaction (it turns out that it had not shipped yet) and we went to the police dept. to file a report. - not only to allow walmart to inform police where the order originated, but to also cover my sons "bucket"

When I asked him where he thought his information might have been compromised he told me he had made many on-line purchases in the past year or so and one of them was Sony - and other sites - whose entire data bases (which were not encrypted) had been hacked, compromising customer credit card information which in turn was released by the hackers to those with nefarious intentions.

So beware and be careful with your personal information....

* We are now checking our accounts daily

* We will be requesting new credit/debit cards w/new card numbers 1-2 times a year.**Note: there may be a fee for this, but a fee is better than hundreds of dollars stolen.

* We are shopping only on sites that protect our financial information by having encryption imbedded at check out.

***And if there is any site that we have used or are using that has been compromised or we feel our information has been compromised (mine was when a clerk watched me enter my pass-code on the credit card machine) we are contacting our bank or financial institution and requesting a NEW CARD!! and let them know why!!

and above all else guard your social security info and pin #!!

Do not share with any company you absolutely do not trust!!

**Once again --**************************
This was NOT caused by banking online, it is from terrible people with terrible intentions who access your information via the credit cards or debit cards you use every day. if you have a credit card or debit card and use it for ANYTHING you have to be diligent. As I said check your accounts online FREQUENTLY on a secure computer.


Above all else,,,protect yourself!!!

Be pro-active and keep YOUR money safe -- you have worked too hard for it!!

---- and remember ... IT CAN HAPPEN TO YOU!!

Be Smart, Wise and Safe!!

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Member Comments About This Blog Post
    Thank you for sharing your experience. It helps others remember to be on guard.

    One other suggestion. For on-line shopping I always use a credit card. You have more clout to get the charges covered by the credit card company. Since a debit card is linked to your checking, you are more vulnerable for someone to drain your account and cause you to have over draft charges if you don't catch it. I use a credit card and then pay off the card each month from my checking. (most of the time :-))

    Funnirosi - I am glad you helped your son and took this by the horns. Your quick action likely saved lots of frustration down the road.
    2861 days ago
    I was actually referring to companies you trust. But I am glad you made that very important point. keep your information private and on a "need to know" basis.

    Thank you for that reminder.
    2863 days ago
  • JUNEAU2010
    I would not even share my account info with someone I "trust". It's actually worse when the crime is done by someone you "trust", especially if you're related to them because the companies will not believe you did not share your info and will not treat the transaction as fraudulent.
    2863 days ago
    A good Warning to everyone....check all Accounts often! Thanks, for this important reminder!
    2863 days ago
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