Crazy... My Credit Card got Stolen. :(

by LMC
19 replies
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I have the card in my wallet.

Go to buy myself, 3 slices of pizza, a can of coke, and 2 garlic rolls

and was told my card was declined.

-----------------------------

He/She billed over $5,200 on my card, the funny thing is if I was a detective I could find him from his purchases...

Retail - Clothing
GreyHoundBus
JetBlue
Walt Disney World Tickets
Hotel Charge

I noticed like 2 days after the post date.

------------------------------

Anyways, called the CC company and they got it all cleared up, I'm going to receive a credit, but I was thinking... What happens to this person, I'm all good, but is he on a bus right now? In Disney? On a plane? lol

Does someone investigate it and find him/her?

It's just crazy
#card #crazy #credit #stolen
  • Profile picture of the author HarrieB
    M sure the company will find out!! they are not gonna let there $5200 go down the drain. There are CCTV's all over!!
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  • Profile picture of the author Simon Ashari
    This happened to a friend of mine. The credit card company called him up because he was buying petrol and someone else was purchasing 2 macbook pros with his credit card at exactly the same time (in a location about 20 minutes drive away).

    The man was caught and the laptops were returned. If I were you I'd report this straight away to maximize the chances of this person getting caught.

    Glad to hear you got your money back.

    -Simon
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  • Profile picture of the author Rob Howard
    This happened to me but with a debit card.

    Someone installed a card scanner in one of the stores you shop in. (or they just hand wrote the info - say a waiter at a restaurant)

    Then, that info gets passed to someone who prints fake cards, all the numbers are right and everything. Looks legit.

    That's exactly what happened to me. And there was a sudden burst of of people's cards getting "stolen" in my area - they ended up finding the store that had the scanner I think.

    Savvy, and pretty evil.

    Rob
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    • Profile picture of the author Simon Ashari
      Originally Posted by ccmusicman View Post


      That's exactly what happened to me. And there was a sudden burst of of people's cards getting "stolen" in my area - they ended up finding the store that had the scanner I think.

      Savvy, and pretty evil.

      Rob
      Another good point. If you and others report it, the credit card company may be able to pinpoint the exact store where your card was 'copied'.
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  • Profile picture of the author Bret Ferguson
    Yeah that totally sucks. My wife had a CC missing for a month before we knew it. There were all these charges to convenience stores for odd amounts, nothing large. She opened the bill up one day and asked me if I had been charging things at several different gas stations, I'm like no. She went to look for her card and couldn't find it. The CC company took care of it all.

    I tend to think this is a common thing now days.
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  • Profile picture of the author Centurian
    Hail to the Brooklyn bomber! My father was born in Brooklyn. What a tale.

    Friend of mine had the same thing happen. Punk spent big time off his business card number and ruined his credit. He went on a mission and tracked the guy down with the cops. He testified against the rat in court and sent him to the slammer.
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    • Profile picture of the author StunningWarrior
      My wife had her card cloned on a business trip in Madrid as did two colleagues - so the cloning location was easy to pinpoint. The people responsible were really stupid though - they used my wife's card to pay school fees in South America. I mean how difficult is that to trace ???
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  • Profile picture of the author skagenweb
    Sounds like someone is having a jolly good time at your expense! Report it immediately, contact the police, and you wont be responsible for any of those charges. Good luck.
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  • Profile picture of the author Flores
    same thing happened to me. Someone open 15 World of Warcraft account with my one card. I dod not know how World of Warcraft did not recognize that this was an issue, but they got away with it anyway. Some people right? If they just put the amount of time they take learning how to do that on the Warrior Forum, then they would be doing much better
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  • Profile picture of the author Austin357
    My old bank didn't have the same theft protection coverages for my Debit card as it did for my Visa. I'm more careful about that these days and really try to keep an eye on it.
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  • Profile picture of the author Jesus Perez
    The credit card companies won't pursue anything over XX amount of dollars. Each company's policy is different. They simply write it off because it'll cost more in labor to pursue it.
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  • Profile picture of the author Jason Clay
    I am sorry for the unfortunate news. What I would recommend is going to your CC company's website and setting up e-mail/text alerts for when your card has been charged a certain amount of dollars. Also, most of the time the CC company will call you right away and tell you that there is unusual activity on your account and ask you if you really did make those charges. Those are some things I recommend you enquire about. Good luck.
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  • Profile picture of the author seasoned
    Originally Posted by LMC View Post

    I have the card in my wallet.

    Go to buy myself, 3 slices of pizza, a can of coke, and 2 garlic rolls

    and was told my card was declined.

    -----------------------------

    He/She billed over $5,200 on my card, the funny thing is if I was a detective I could find him from his purchases...

    Retail - Clothing
    GreyHoundBus
    JetBlue
    Walt Disney World Tickets
    Hotel Charge

    I noticed like 2 days after the post date.

    ------------------------------

    Anyways, called the CC company and they got it all cleared up, I'm going to receive a credit, but I was thinking... What happens to this person, I'm all good, but is he on a bus right now? In Disney? On a plane? lol

    Does someone investigate it and find him/her?

    It's just crazy
    I had a similar thing happen to me. I went out for 3 hours, just THREE!!!!!! I sometimes come back in a matter of minuts, so it was a DUMB move on thre part. Anyway, a pair of crooks came to rob everyone within perhaps 30 feet of some stairs, and that included ME. Among other things, they stole some credit cards. Reading through the charges, it is obvious that it was an EXTRAVAGENT, RICH, HISPANIC, ETHNIC, WOMAN, that was a kind of GIRLY GIRL, and they ran up charges of THOUSANDS of dollars in less than a day!

    BTW I was a MODEST, WHITE, NON ETHNIC, MAN, that lived BELOW my means! I actually got a threatening letter from a credit card company that said if I didn't use my credit card, I would LOSE it! I NEVER charged $1000 in a day.

    Within an hour, I told the police, and the credit card company. I ALSO, rather quickly gave the police paperwork that it is ******AGAINST FEDERAL LAW****** to release!!!!!!!!
    I EVEN did an initial investigation AND, according to one knowledgable about one company ***THAT I WOULD NEVER GO TO***, "THEY WOULD BE REMEMBERED!"!

    SO, WHAT HAPPENED? A month or so later, I get a message from the police saying that my case is "Open but inactive"! So what does that mean? It means "We don't have enough evidence to find the crooks, and haven't found the criminals, so we have decided to GIVE UP! But don't worry! If we happen to find the crooks magically somehow, we have a note to see if they are the ones that stole from YOU!"! SERIOUSLY, THAT is what it means! I even asked the police if my understanding was right!

    I went to the police! I said I gave them my receipts that were LEGAL EVIDENCE that said WHERE they went and WHEN, and that an employee of the shoe store, where they bought over $700 worth of SHOES and the people were ON COMMISSION, said they WOULD be remembered! The jerk said NEXT time I should take it in. "Things can get lost in the mail". I said "Nice try, I DID deliver it RIGHT HERE to THIS desk. If you check that camera, you will find I DID do that several weeks ago!". HIS response? "Give us another copy! He probably didn't steal it anyway! Thieves usually sell the cards.".

    I told him, as I am telling you, he could STILL lead you to the thief, and stealing by proxy IS a felony! It is known as "Receipt of stolen goods". Since NOBODY would legitimately do that, it is ALSO "Being an accomplice after the fact". Since they clearly did NOT legitimately own the credit card, nor intend to pay, it is ALSO "CREDIT FRAUD"!!!!! So they ARE thieves, and should STILL be thrown in jail!

    THE POLICE DON'T CARE!

    Steve
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  • Profile picture of the author Hearn
    Funny story. Glad to hear you got your money back. Pity you didn't catch the guy. How did he use your card since you had it in your wallet(on internet obviously)?
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    • Profile picture of the author seasoned
      Originally Posted by Hearn View Post

      Funny story. Glad to hear you got your money back. Pity you didn't catch the guy. How did he use your card since you had it in your wallet(on internet obviously)?
      Mail/phone order also. ALSO, SOME people record the stolen number on the magnetic strip. That has gotten SO bad that many processors now require verifying a match on the last part of the numbers embossed and recorded on the card. Of course, not ALL do that and many overlook that entirely! They can't really automate it after all. If they came up with a way to reliably read the embossed numbers, they could NEVER be 100% sure that that is what a HUMAN would see. The bad guys have a lot of resources ALSO!

      Steve
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  • Profile picture of the author Robert Michael
    This happened to me with my paypal debit card awhile back..

    We bought hotel reservations using hotels.com

    The next day we check our balance, and someone in UK had apparently created a fake debit card with our card number, name, expiration date.. EVERYTHING - and they used it as a credit card (they had to sign for the purchase)

    They bought 2 train tickets in United Kingdom. I immediately called paypal & cancelled the card & had a replacement sent out, and explained that we live in South Carolina - Needless to say, we werent in UK.

    So we got the $ back, then I called hotels.com to let them know about their security problems. They kept insisting that their website was secure, there was no problems, blah blah..

    So I tell them we've been using the card for over 3 years, and we've NEVER had anything like this happen. Not once, until the day after we bought our reservations thru them.

    They hung up on me. :|
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    • Profile picture of the author seasoned
      Originally Posted by Whos That Guru View Post

      I called hotels.com to let them know about their security problems. They kept insisting that their website was secure,
      If ANYONE tells you such a thing, it is technically a LIE, and shows they are an IDIOT!

      Almost EVERY "website", that accepts credit cards ON THE PLANET "is secure". You do ******NOT****** care if the website is secure! You want your INFO to be secure!

      STANDARD WEBSITE (ca. 1995, and MOST today)

      Security points:
      1. YOUR system. Usually NOT an issue, but insecure!
      2. Your system to theirs. Usually SECURE!
      3. Storage on their system. Usually NOT secure!
      4. Processor access. USUALLY secure.
      5. Intracompany access. Usually NOT secure.
      6. Intercompany access. Illegal, but often done with no security.

      MOST hijacking takes place between 1 and 4. 1 is usually NOT an issue, though some viruses, and trojans, have keyloggers. 2 is usually NOT an issue. It is just too much trouble. And 1-2 means that hacking 50 systems gives you maybe 50 cards, IF you are lucky! NOPE! MOST hacking happens on #3 and #5! Check out news reports! It is EASILY over 70% of ALL reports. And hacking ONE system can give you MILLIONS of cards! Like I said, most are NOT secure, even though most have "secure websites"!!!!!!!!!

      Steve
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  • Profile picture of the author Robert Michael
    lol yeah, it was such a joke man.

    I didnt threaten to sue them or anything like that. I just wanted them to know what happened so they could put something in place to stop it from happening to others.

    And instead of welcoming my story, they hang up on me.. lol

    Oh well.. I wont be making my reservations with them ever again, so its their loss.
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  • Profile picture of the author Joe Mobley
    My sister helped her credit union put a woman in jail for using her card number.

    Originally Posted by LMC View Post

    Does someone investigate it and find him/her?
    I have received calls from AMEX and my bank to ask about purchases that were "questionable." Turned out that they were purchases I had made but I was glad they were on top of things.

    Joe Mobley
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    Follow Me on Twitter: @daVinciJoe
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