Credit Card info stolen !!!

[Cleveland48]

Well today I received and email from capital one saying I had charged $300 to a competion bike website!! Which was a shock since I've only spent $7 all month on my credit card, and that was just at the vending machine at work when I forgot cash lol. So I call them and they were very helpful. They cancelled that card and said that I would not be charged for it. Sending me a new card and said the $300 will be off my account within 5 days. Overall nice experience with them. This is the first time anything like this has ever happened to me, and I was wondering if anyone else has ever went through this ?

 

[smokindog]

I've carried a Capital One card for YEARS and their service has been outstanding.

Well today I received and email from capital one saying I had charged $300 to a competion bike website!! Which was a shock since I've only spent $7 all month on my credit card, and that was just at the vending machine at work when I forgot cash lol. So I call them and they were very helpful. They cancelled that card and said that I would not be charged for it. Sending me a new card and said the $300 will be off my account within 5 days. Overall nice experience with them. This is the first time anything like this has ever happened to me, and I was wondering if anyone else has ever went through this ?

 

[Cleveland48]

Yeah they were very helpful and friendly, overall extremely satisfied.

 

[old bear]

I had a Bank of America Visa card for years, and about every 6 month someone would hacked my account. B of A always wrote off the charge, canceled the hacked account, and would send me a new card. The only problem was it would take 10 - 14 days to get a new card. Thank God I was not out of state and counting on that card to help pay the way home.

Had my AMX card hacked once, years ago. AMX contacted me and I had a new card, delivered by FedEx before 9:00 A.M. the following day. No charge of any kind for the excellent service.

P.s. I no longer do business with B of A.

 

[Ματθιας]

As a matter of fact I did. In November, I had two fraudulent transactions totaling $27K after I bought from one of two online firearms vendors. Neither one were particularly helpful when I tried to tell them they might have a breach. They, the CC Co, alerted me right away, but it took about four months to work everything out.

 

[Muss Muggins]

I once bought a car and several VHS movies in Guadalajara after a vacation to Puerto Vallarto in 2000. Never got the car, but didn't have to pay for it.

 

[4011]

in Texas I'm thinking we will see more 30 06 posters going up.

 

[Beemerguy53]

My VISA checkcard was pirated in 2008. I had bought concert tickets through Ticketmaster, and as a promotion, they emailed me a voucher for two free songs from the iTunes Music Store. Now, I have never bought anything from iTunes, but I do have an account, and have downloaded free songs from time to time. I redeemed the voucher and downloaded two songs.

About two weeks later, I had three separate charges to my checking account, from the iTunes Music Store, totaling about $150. The iTunes Store has never had my account information, so either somebody at Ticketmaster stole my account information, or somebody got into their system and stole it. It took several hours on the phone and a trip to my bank, but I got it straightened out with no dollar loss.

 

[Arik]

My pops has one of those service options the cc provides. For a small fee of course, but if they see an odd transaction they notify you immediately to make sure it's legit. Many years ago we went in a cruise. Drove from Pa to FL where the ship was and a week later drove back. On the way back my dad got a call for suspicious activity along the I95 corridor. It was us getting gas and food. So that,was all good. About a year later they called and asked if he was buying a Cadillac at a dealership in Vagas. That one was fraud and they denied the sale right away.

On the one hand it's a good thing to have on the other hand it means someone is actively tracking all your spending habits and the area in which you spend

 

[snowman]

It happened to me several years ago. I virtually never travel, so my card is used, as a rule, only for local/area establishments -gas stations, restaurants, grocery stores, etc. There was a charge on my statement for $49 that I knew wasn't my doing. I believe it was a cashier at an area restaurant, since they are the only ones who actually handle the card while making the transaction. The bank canceled the charge and issued me a new card, but I think it cost me $5 or $10 for the new card.

Glad the cc company took care of you.

Best,
Andy

 

[jrd1976]

This is why you should use a credit card and not a debit card.

If your credit card gets hacked, the burden in on the credit card company because they got the credit card company's money.

If your debit card gets hacked, they got YOUR money out of your account at the bank, which may be pain to get replaced, and may have caused you to have NSF checks, NSF fees, etc.

 

[Muss Muggins]

This is why you should use a credit card and not a debit card.

If your credit card gets hacked, the burden in on the credit card company because they got the credit card company's money.

If your debit card gets hacked, they got YOUR money out of your account at the bank, which may be pain to get replaced, and may have caused you to have NSF checks, NSF fees, etc.

That's not so much true any more. Debit cards are now much more like credit cards. The banks are taking responsibility for the hacks, and the money is restored fairly quickly. It is, of course, up to you, to be diligent about watching your account.

 

[zzclancy]

A few years ago Capital One called me. Someone in England was racking the card up. They cancelled the card sent me one with various new account. Never cost me anything. Now days I think this goes on all the time.

 

[TX-Dennis]

My Citi card has been hacked three times. Each time the charge was reversed, and a new card received within a couple of days. I only use credit cards for online purchases. My debit card gets used for in person shopping only. I shop online frequently - guns, ammo, clothing, books, etc. etc.

 

[hittman77]

Yep, happened to me just last month. Ironically, at the same time I was giving an interview to the local NBC affiliate on the subject of ...... identity theft and credit fraud.

My credit union called wondering if I was in Georgia buying $900.00 worth of tires. They cancelled the transaction and the card, got my new card in the mail in about 7 days.

 

[Cyrano]

Happened ty my AAA Visa card two months ago. They called me, said my card had been hacked, and had a new card hand carried to me the next day.

 

[hoc9sw]

That's not so much true any more. Debit cards are now much more like credit cards. The banks are taking responsibility for the hacks, and the money is restored fairly quickly. It is, of course, up to you, to be diligent about watching your account.

You are, in some respects, correct. Many, but not all, banks are taking additional responsibility, IF you abide and report adhering to the rules.

I work in a banking support environment. If trust is any question, DO NOT use a debit card. Regardless of what the bank says, debit cards are NOT protected by law from fraud. It is simply the honor of the issuer.

Credit cards are protected, if you report the fraud as soon as possible, to a limit of $50.

Another issue. DO NOT link a savings account to protect you from overdrafts on the debit card account. One massive fraud transaction can wipe you out.

Before anyone says it ain't that way, I spend 10-12 hours a day helping customers of the biggest banks deal with effing criminals that have stolen their lives.

 

[Ματθιας]

I want to know if CC companies go after the people who commit the fraud. In my case, $15,000 of marine batteries and $12,000 of assorted marine equip should be pretty easy to find - they had to be either will called or shipped somewhere.

 

[Ματθιας]

You are, in some respects, correct. Many, but not all, banks are taking additional responsibility, IF you abide and report adhering to the rules.

I work in a banking support environment. If trust is any question, DO NOT use a debit card. Regardless of what the bank says, debit cards are NOT protected by law from fraud. It is simply the honor of the issuer.

Credit cards are protected, if you report the fraud as soon as possible, to a limit of $50.

Another issue. DO NOT link a savings account to protect you from overdrafts on the debit card account. One massive fraud transaction can wipe you out.

Before anyone says it ain't that way, I spend 10-12 hours a day helping customers of the biggest banks deal with effing criminals that have stolen their lives.

What happens to the fraudsters? Does some other dept take over or...?

 

[hoc9sw]

I want to know if CC companies go after the people who commit the fraud. In my case, $15,000 of marine batteries and $12,000 of assorted marine equip should be pretty easy to find - they had to be either will called or shipped somewhere.

We do, as law allows. Problem is that most of the frauds are outside of the US or countries with legal agreements. Biggest offenders are Russia, Ukraine, and a few places in Africa.

That is actually cause of a cost you incur - issuers have to insure themselves against fraud. The insurance is often called on to pay. That hits the vendor who accepts your credit card.

Anyone wonder why those who accept credit cards ask for an upcharge?