Credit Card Hacked

kozmic

kozmic

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I don't use my Discover card often but I stopped at the market on my way home to grab a couple things and it was rejected (twice) so I gave the clerk some cash and went on my way.

When I walked in the door my wife said she got a call from Discover about some "questionable charges" and quickly asked me about a couple charges. I knew nothing about them. We tried to access our on-line account to review our statement but were frozen out. :mad:

I just got off the phone with a customer service rep. After reviewing our statement, we found 10 illegitimate charges over the course of a couple days. Hopefully that's it.

My wife uses her card all the time Sometimes nonstop for days on end :D. I don't know if she swipes it or they make an impression or what. But she's going to have to be more careful and we are going to have to scrutinize our statements even more carefully in the future.

In the past month I only used it for a small Amazon on line purchase (cheap for 7" shoot n c targets) and I let my kid borrow it to buy a review book for school at Barnes and Noble.

Discovery is covering those charges and are sending out new cards. They are pretty proactive in trying to detect fraudulent card use. He said they work aggressively in prevention, protection and conviction. This guy was great but you could tell he gets a lot of these calls. In all, I've always been a fan of Discovery and even more so today. The did good by me in a bunch of ways.

I know this is a sign of the times but I'm still (dare I say) peeved! :mad: I still feel like my privacy has been violated. And frankly I despise those little twerps who feel like what I have worked my butt off for is somehow theirs. I would love some info on these idiots to go over and give them the ***whippin' they so desperately need to function civilly in society. Then I'd kick their ***** one more time because clearly they deserve it. :D

A note to all; get those carbons if they make an imprint, know who you are dealing with and review your statements.
 
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I had my cc hacked twice in about a six month period. The bank caught it the first time and I caught it the second time. I paid the card off after the second time and cancelled it. No worries now.
 
Do not blame the wife or yourself. Most likely a store you used the card at somewhere down the line had their systems hacked. A few years back a huge credit card processor was hacked and millions of cards were replaced. My Visa was one of them.
 
kwselke said:
Do not blame the wife or yourself. Most likely a store you used the card at somewhere down the line had their systems hacked. A few years back a huge credit card processor was hacked and millions of cards were replaced. My Visa was one of them.
Click to expand...

You know, that's a great point kwselke. I didn't ask them if they had some systemic problem on their end or it was isolated to my account. Regardless, I think we became somewhat complacent in our card use and review.
 
I think Discover is prone for hacking, or maybe because it gets the most use here, but mine was just frozen for the same reason. That makes 2 new cards in the last 3 years. I have to say though, Discover is on top of things as they called immediately. The charges were minor, perhaps just a probe to see what they could get away with until the thieves did some real damage.
PITA to notify all the people who bill us automatically.
 
I had a phone call last week from my bank asking if I was in Greece, I told them no. Someone charged $850 (and some odd number) but they credited that amount. Cancelling the card and changing all the auto pays was the hard part. Same thing happened 3 years ago, but it was India that time. The wife and I are careful, but who knows. At least the bank was watching out for unusual purchased and it didn't cost any more than a minor inconvenience and some time changing things over.
 
The more you use your credit card for everyday purchases the more likely it will be hacked, so get use to it. You can set up your cc account so that it posts the balance daily to your computer. If you see anything wrong you can resolve it immediately. And if anyone don't know what their balance is they shouldn't have a cc.
 
Welcome to the club! My AMX and MC have both been hacked in the last year by sex shops, and at my age these establishments are not high on my list. My friends think that it is funny, but it is a pain in the a**!

As long as you deal with first rate credit card companies, they will catch it and cover the charges, and issue new cards overnight!. It is just a sign of the times that we live in!

medxam
 
I have had it happen to me a few times.....I did find out during one of the incidents (about 12 years ago) that my wife had bought a $12 ring on the home shopping network....they in turn sold our credit card numbers to over 10 different businesses. People magazine was one...they charged my card $588 for a couple year subscription (who the hell reads nearly $600 bucks worth of peoples magazine anyway?)...I got enrolled in a meat club in Nebraska for a couple hundred (the owner is the one who gave up the home shopping network after being threatened with being locked up)...then a vacation got booked on the other side of the country (hotel, rental car, food ..all expenses paid) as well as a ton of other things totaling nearly $9k bucks!....this all happened to while we were away in Florida. The bank noticed we were in Flordia using the card but seen charges popping up all over the country. The bank froze the account and after threatening to lock everyone the hell up I got majority of my money back....this was a Debit card so it was cash withdrawn from my checking acct not just added to my credit card account. Luckily the debit card has a Visa logo which protects you from things like this.
 
Been nailed twice in the past year with a debit card. First time the lady at the bank told me not to use it like a debit card except in an ATM and use it like a credit card instead so you don't enter your pin# Anyway I took her advice and just last Friday I got popped again buying beer in a convenience store. How cruel was that? Anyway so much for the use it like a credit card trick. Do check your account twice a day so you will catch it when it first happens. Most of the time they'll hit you for some small amount to see if it will go then nail your hide to the barn door. As for me except for a few select places I trade on line it's put the card away and back to the cash and carry. I've had enough of this bull myself. Spence
 
My Amex have been compromised twice, both times in restaurants, so I now walk my card to the register/card unit so that it never leaves my sight, not foolproof but it substantially decreases risk, In most of Europe and Canada, the point of sale machines comes to the tables and card company's are now issuing their replacement cards with chip/pin technology to make it more traveler friendly even though that innovation is slow to start over here.
 
I use a debit card as I used to use a check book, my bank issues little books large enough to keep your card in and register your purchases, I enter my purchases at least 95% of the time or at least put the receipt in the register to enter later. The other day I needed to withdraw some cash and noticed that I was exactly $130 short of what I ought to have. I kept note of that and waited for the bank statment and noticed the charge went to Western Union, I haven't used Western Union for decades and called the bank to kill the debit card and had to go down and file a report to get credited the amount falsley withdrawn. Western Union was not very helpful and would not release any information regarding who had withdrawn the money, they weren't good English speakers either. People that do this kind of white collar crime should have their dominant hand removed surgically and stuffed up their asses permantly.
 
My card was stolen a few years ago by a woman who was sorting mail on the night shift at the local post office. She had stolen several dozen and was giving them to her ex-con boyfriend. I had two cam corders that had been purchased with my card at the local Walley World. I got them to pull up the video of the purchase and immediately recognized the perp. The postal inspector set her up and when he got through with her I baited the ex-con with an old girl friend who needed a favor. He thought he was going to meet her but I was waiting for him instead when he showed up...in a stolen car. He may be getting out about now.
 
It happened to me two months ago with my Corporate AMEX card.

Got a call on the cell phone on a Friday morning at about 0500 from AMEX security division wanting to know if I had my card in my possession. I verified that it was in my wallet and they informed me that my card had most likely been cloned as they were showing $952 and change in gas purchases in the last six hours. They closed the account immediately. Only bad part was I was out of town with low cash supply. AMEX FDX'd a new card to me at the hotel in Hattiesburg, MS on a Saturday.

About six months ago it was with MC and those damned CC checks they put in your statement. $210 and change for groceries at Kroger.

Class III
 
What ticks me off

In spite of this being a known problem, restaurants especially run off with your card and bring it back when they are ready. I had my number stolen like this (the next day Dell Computers, fancy dresses). They need to devise some way to swipe at your table or just pay going out the door.
 
This would all be solved if they would use the "chipped" cards they use in Europe. At restaurant there,they bring the card reader to you where you put in a pin that matches to the card. Since they don't take ur card, u don't have to worry about someone copying the numbers in a back room.

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