Got Hacked

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Skeet 028

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I don't or won't normally talk about things like this happening to me...But it can possibly affect you too..
I have a paypal account as I sell a few things on ebay Anyway I got an email that I had changed my pin number and said what?? got on my computer and got ahold of paypal..while I was watching they got in and got 600 bucks out of the account. They were in Florida and I am in Wyoming. Don't know how they do it but they do. I only access paypal from bank ATMs when withdrawing money so ...Anyway. Remember y'all. Never tie an account like that to a checking or savings account. Those artists will clean your bank out too. What a PITA but paypal has made it all up so far. Now to start over with another account. Y'all be careful with those CC and DCs
 
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Here's what I know from working for a financial institution. ATMs, gas pumps and convenience store card readers are being hacked by card skimmers. They place a small cover over the card slot that you don't even notice unless you look really close. Inside the fake reader it has electronics that can read your card. With your card information, you (or anyone) becomes the victim.

The latest technology for fighting back are chip cards referred to as EMV cards that replace ordinary credit/debit cards to hopefully deter the hackers in the future.

This is direct from our company website..."The embedded computer chip provides more security and wider international acceptance.

A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

These cards are already in wide use around the world and are now becoming the standard in the U.S."

I'm sure the hackers will be able to find a way to hack the chip eventually but for now, that is the latest and greatest technology to try and keep your private information private.

If you know where your last ATM transaction occurred I would encourage you to notify them to inspect their ATMs for the skimmers. We check ours every time we replenish the cash supplies.
 
Oh should have said..yep pin is for the debit card. The last use of that debit card was at the local Wally World pharmacy... so doubt it got bagged there. Time before that was at an ATM in the lobby of my bank...but I guess anything is possible. From this point I will empty the account to under 100 bucks...That way I can't get bagged up for too much
 
Be Sure To Check Monthly Statements

My wife and I charge everything so as to earn air miles. In a recent month, we had about $10,000.00 in charges. I would have paid it but my wife checked each transaction and found two, for nominal amounts totally $50.00 that were not ours. She got on the horn. The credit card company shut down the account and issued us new cards.

The point being, whoever duped our cards, charged nominal amounts hoping we'd miss them, or possibly as a test before making a big-ticket purchase. Be sure to check your statements.
 
Yep. We've had small charges attempted (even in the $5 range) to see if it would go thru, even had the cc company call us to check on one once. They said that is a method scammers use, if the small charge sneaks by then they will go out on their buying spree.

For decades, never had any trouble with our cards.
Last decade? Multiple times have needed to get our cc replaced, as well as our debit/check card. Thankfully the worst part has been having to change over any account that is autopaid by our cc. And as we lived in SC back when that state was hacked a few years ago and we were in the mix..... well we have had to rely on additional monitoring to help watch for things.

Such a wonderful time we live in, people so creative they can figure out how to get around every road block put in their way, but they'd rather do it illegally at our expense rather than get a job like the rest of us...
 
Odd, I don't have that problem when I pay in cash. But I see there is a move afoot to do away with $100 and $50 bills, which will crimp my style.
 
This week the card I use for eBay on Pay Pal was hacked. It's the only card used on the internet and has a low limit. Early April our other card was trying to be used but the card company wouldn't let it go through bc of the red flags they saw. What a crooked world we are developing today. Larry
 
I recently got a call from one CC about a charge that was out of line with our normal use and area.
Large amount for a cell phone, accessories, and call plan. Charge from Miami, and I am in Iowa.
Confirmed it was not mine. As previously stated, account closed, new card issued etc. I asked where they got the card number, etc. Was told that hackers use programs that are similar to password stealing algorithms and than with information out in the ether world can put together a card number with a name etc. Unscrupulous retailer and you can make a match for a purchase. Everyone knows about stealing information by card readers that since your card as you walk by, etc.
When we travel out of the area, gas station readers often ask for your zip code, and on some major interstates, and truck stops you have to go in, confirm with ID, show the card etc. Annoyance but protects you and the CC company.
Different world today, and not sure doing everything by cash protects you either. 😖
 
Another very cool option we are working on is if you use your phone (mobile app) to perform bank transactions we offer a function that the card holder can control a radius of where the card can be used and for how much each transaction can be used for.

For example you can set your geographical area to 10, 20, 50, 100 miles radius, and for how much a transaction can be approved for. On top of that, let's say you forgot and left your card at the place you had lunch an hour ago, you can disable the card until you can retrieve it.

We are trying to stay one step ahead of the criminal mind.
 
Two thoughts.

1-- I have never had PayPal. I get at least 1 email a month telling me I have a problem with PP and to use this link to fix it. Yeah Right!

2-- I was with my wife shopping last week at a well known national chain store in Northern NY. With no problem she use her credit union debit card for about a $100 purchase.

We left that store went across the street to another store and she TRIED to use that card, the machine declined it. Maximum time difference from check out to checkout was about 12 minuets. Tried about 4 times and my wife used another companies card and that one worked fine. The credit union had a branch right down the road so she went in to find out what was going on.


It seems that about 3 minuets after she used her card it was also used in Brooklyn NY so the computer locked out the account. The perp tried using it at a Dunkin Donuts for about $7. It appears that many times a crook will test a card by getting something cheap and if card works will go for a big score


FWIW it was a credit union debit card and I have tried my best to get her to use charge cards ONLY, but being a typical wife pays no attention. As for me I will not have a debit card.:mad:
 
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I don't think it makes much difference what kind of card you have and use..the crooks will always try to find a way..and usually will. Then the good guys try to play catch-up. Hopefully the card companies can stay a step ahead. There are actually some places that prefer CCs rather than cash. Too much funny money out there too. When I do a show or even get money at the bank I check bulls with a counterfeit pen. I got a hundred in the bank that was no good. If I hadn't checked I would have been stuck for it. I guess even banks can't check 'em all.
 
First Prize?

We have a credit card that we never use for retail or even carry. It's kept in the safe and used only for automatic payments to utility companies, cablevision, E-Z-PASS, etc.

As a security precaution, our credit card company issued us a new card, which, went into the safe. That card got hacked, immediately, despite never being used for retail or online purchases. In this instance, the card got hacked so soon that we had yet to make an automatic payment with it. It had to be a corrupt employee right at Mastercard or Visa.
 
I've been hacked twice over the years.

The first time was when I bought concert tickets through Ticketmaster back in 2008. I got an email from them with a voucher for two free song downloads from the iTunes music store. When I redeemed the voucher, which was genuine, it gave the hacker -- who either worked for Ticketmaster or had broken into their system -- the information for my iTunes account, and the hacker then charged about $150 worth of music and movies on iTunes. I got my money back...after filling out multiple forms and spending a lot of time at my bank.

Last October, in Germany, on the second day of an 11 day trip, my VISA account was hacked. I discovered it on the 4th day of the trip when I checked my account online and found a $1000 charge for a flight from Munich to London. I had used my card twice: once at the car rental counter at the Munich airport, and then at our hotel in Nuremberg.

What really ticked me off about this was that I had notified my credit card provider before the trip that I would be in Germany and Austria during certain dates, and they had in fact picked up on the questionable charge...but they notified me by calling my HOME phone, not my cell phone. (And yes, they had both numbers.)

When I spoke with them, they wanted to cancel the card immediately, but I wanted to use it for a couple of things on the trip...so the fraudulent charge stayed on until I got home, and anytime I used the card, I had to call VISA and give them a temporary password before they would process the charge.

When I got home, I had to make calls and fill out forms, and it took a couple of weeks to get the whole mess straightened out. There's a special place in Hell for people who do things like this... :(
 
Salty RI said:
I get those e mails and I don't have a Pay Pal account.:eek:
Click to expand...

:D That's because they love you and your charming humor---man. Me? it appears that fingerhut and every other trashful place loves me. I have to make repeat trips to the dumpster to get rid of that garbage.:confused:
 
Hopefully the end of the story. Got reimbursed for the stolen cash. Issued a new card set up a new password and after I call to activate the card will set up a new pin number. I had the card registered as a business and I am going to change the business name on the account. Also going to change the password to one with about 15 characters. Still an aggravating experience
 
Skeet 028 said:
Hopefully the end of the story. Got reimbursed for the stolen cash. Issued a new card set up a new password and after I call to activate the card will set up a new pin number. I had the card registered as a business and I am going to change the business name on the account. Also going to change the password to one with about 15 characters. Still an aggravating experience
Click to expand...

I would suggest a "pass phrase" rather than a "password". Can easily build in characters such as "@" for an "o" or use the old standby from DOS days where you used to use "Alt 256" which puts in an apparent "space" that is not. Dave_n
 
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