| Author | Message | ||
     Brineusaf |
Do yourselves a favor, check your savings/checking accounts and make sure you don't have any fraudulent charges on them. Checked my account, and there appears to bo someone running around with my CC Numbers somewhere. Apparently someone thought it would be funny to charge a Travelocity Hotel to my debit card, 393$ later I'm on the phone with the people who deal with stolen cards, ect. Just figured I'd let you's know that these things can happen to anyone. I am very secretive of my CC #'s and someone still managed to screw me over. So please check your accounts asap, I am VERY VERY ANGRY (your welcome moderators) at the moment, and now I am without a debit card for at least 2 weeks. Which sucks because I am stationed overseas! Anyways... someone got a free stay in Texas on me I guess. Good news, this should be resolved within 10 days. Bad news, I am responsible for the first 50$ stolen from my account. Rant Off... but please be aware, don't want anyone having to deal with this BS. I wish people would just learn to respect someone. My money is mine, I work damn hard for it and don't deserve some degenerate pilfering it. | ||
| Josh_ |
www.transunion.com (one of the three Credit Bureaus) Unlimited 3-in-1 monitoring. You get a credit report from all three credit bureaus each month incl credit score, plus 24-hour alerts to major changes to your credit reports. $25 for the first month, $15 there after. Incl analysis and advice on increasing your credit score, etc. I just had a bogus "derogatory" placed on my credit report by a New York debt "clearinghouse". Got an email from transunion, went to my acount for the info, followed the link to Experian's (other credit bureau) dispute page, it was on my credit report less than 48hours. | ||
| Pwnzor |
Been there, done that. Sucks. Here's what I do now to prevent it. I have a Paypal Mastercard which I use to buy everything. I keep all my liquid money in my checking account at my neighborhood credit union. I then use my cell phone to transfer the amount required from my checking to my Paypal and make the purchase, and I earn 1% back on any non pin-based transactions with Paypal. Count your blessings, I know it's a hassle but $50 is not much all things considered. I encourage everyone to check out Paypal's line of services, it can be a layer of protection on top of whatever you already have in place.  | ||
| Oldog |
Josh check this link out http://articles.moneycentral.msn.com/SavingandDebt/ManageDebt/SleazyNewDebtColle ctorTactics.aspx just what happened to you (Message edited by oldog on August 07, 2006) | ||
| Fiery_xb |
I just received a letter from the company I had a student loan with back in '89. An employee has lost a piece of there equipment which happens to have my SS# on there. So I'm having to check with the credit bureaus. Thanks for posting about the 3-in-1 info, Josh. | ||
| Kdan |
I've got a bulletroof plan. I give all my money to my ex-wife. | ||
| Brineusaf |
Matt, Not worried about the 50$, no big deal, and thats what i told the lady i was dealing with on the phone. It should be taken care of within 10 days (refunded). As long as it gets refunded it isn't going to be bad, but I'm going to be without access to my finances until my new Debit Card arrives via the mail system. | ||
| Josh_ |
>Josh check this link out Yup. I did some checking and found a lot of people just pay the collector to pull the info. I filed Experian's online form about noon and they (Experian) had already called and cleared it by the time I tracked down a phone# for the collector the next morning. I don't know if I got lucky, or the credit bureaus are seeing more and more of this and siding with the consumer. | ||
| Oldog |
I don't know if I got lucky, or the credit bureaus are seeing more and more of this and siding with the consumer. maybe they need to, there are a lot of scum out there (Message edited by oldog on August 08, 2006) | ||
| Brineusaf |
maybe they need to, there are a LOT of scum out there Couldn't agree more. | ||
| Typeone |
my wife an my identities have been stolen 3 times in the past few years with a range of unauthorized charges placed on our cards. $2K+ for the worst one which was a card number/identity dupe with purchase of clothing, tobacco and furniture in S.Africa. one spree. thanks Fleet/GMCard/Bank of America for the alerts! just ended up being a lame process of paper work and new card numbers. but 3 times!? someone isn't protecting data well enough. and the asshats that steal your stuff basically just keep walking around, finding more numbers to dupe. i hate thieves. i wish death upon them all. (Message edited by typeone on August 08, 2006) | ||
| Chasespeed |
Found a problem yesterday, when I checked to see if my rent check cleared yesterday. Well, the check isnt clearing, and I my checking account is screwed up....I have called the bank, and they are "looking" into it, etcshoudl be settled soon. The problem is the rental company. I called and let them know, they siad tough, if it doent clear, you will be charged a 25 dollar for each check(rent adn water), and then a 5 dollar late fee, for each day it itsnt paid, starting from the 1st, until its paid... GREAT, talked to my lawyer already, adn they can do this. Anyway, its happening alot more lately, and as anal retentive as I am, it can still happen... Check you stuff chance you get.. The bank will straighten your accounts out, but, they wont relieve you of late charges incurred becuase you cant pay your billes...oh well.. watch your backs guys.. | ||
| Tomd |
Hi All, Couple more ways they can get at your $ through a debit card. 1) Fake or non-bank ATM's. It's easy to set them to retain pin #'s of accounts. A couple guys setup a fake ATM in a Rhode Island mall a few years ago that retained the account #'s and pins. After a few months people in the area noticed they had been sucked dry. Stick with real bank ATM's 2) Using your debit as a debit at stores. Always choose "credit" when you run your card through if it gives you the option. A lot of third party Point Of Sale (POS) systems that accept debit transactions have poorly written code that retains not only the account # but also the PIN and the transaction ID. Most of them have default administrator passwords of 'password' and SQL admin passwords of 'SA' so your transaction data is about as safe as a $20 bill on the counter. | ||
| Brineusaf |
wow tom, i didn't know that. I know here, the receipts from purchases contain you entire account number. a few good guesses at a friends store would surely reveal the PIN. | ||
| Cadhopper |
I've got a bulletroof plan. I give all my money to my ex-wife. That's why I'm 43 and have never been married. I've seen so many people get divorced in the last 20 years that I just lost hope of ever finding the right person. It's much cheaper to just be alone. |
