http://www.mylot.com/w/keywords/credit+card+fraud.aspx MyLot Discussions About credit card fraud en-gb http://www.mylot.com/w/discussions/2141522.aspx Hello my friends, Please give me your thoughts how this could have happened. I have a Visa Card which I have not used in 3 years. In fact I misplaced it in my house. I know this since I put it aside when it was renewed meaning to activate it but then I forgot and could not find the card in my disorganized clutter. However, every time I go to the bank machine I check the balance in my chequing and savings account and also my "available credit on Visa" Since I have not used the card the available credit is always the same amount. Today when I went through this routine the balance had changed and I found a charge of $1200.00 on this Visa account. At first I thought being old I must have had amnesia and forgot something. But no, I don't have the card and I did not charge anything. I went to the bank and found them very helpful. They told me I had written a cheque and charged the amount to my Visa instead of taking it out of my account. Impossible! So they brought up the cheque which was not one of my printed cheques but someone had used a blank cheque and written in my address, made the cheque payable to some outfit and charged my Visa and signed my name. I did not even know one could do this. I always thought when you wrote a cheque the money had to come out of an account. In any case the signature was not at all like mine. I produced my driver's licence, my health card, my debit card, my Mastercard. The bank employees were quite convinced this was a fraud. But now I am scared. Obviously there will be an investigation, the card has been invalidated but the perpetrator knows where I live and knew my credit card number. Should I go to the police as well as letting the bank handle it? What do you think? Fri, 25 Sep 2009 17:39:03 GMT Lindalinda http://www.mylot.com/w/discussions/1868397.aspx Ok my daughter got her self a mp3 player for Christmas. It included 50 free downloads from Emusic and one free audio book as well. I downloaded her music and book and then tried to cancel. I recieved an error every time page could not be displayed. I tried to do this on several different computers and several different services. Every time I got the same message. I cancel my subscription 1.8.09 I log into my paypal account and see a pending charge from them that was started 1/9/09 now to me that says they charged my account after I canceled. When I wrote to them telling them of this mistake they informed me that there was nothing that could be done. As they have a strict no refund policy. Well I was not the happiest person to read that. I then complained to paypal as I signed up with my paypal debit card and also responded to them that it was a fradulent charge and I would be going to my bank and notifying them as well and doing every thing in my power to get the charges reversed as the charge was started after I had cancelled my account and that I would also be making a visit to my local police station to report the credit card fraud. I just logged in to check my email and was pleasntly supprised to see that they were in fact gonna refund my money. I just wanted to let you all know how this company is cheating probably 1000's of customers that are not satisfied with there service. If you are a emusic customer please watch your accounts so that you do not get ripped off. Mon, 12 Jan 2009 18:38:11 GMT Autumnrose2008 http://www.mylot.com/w/discussions/1895586.aspx As some ppl know from other discussions I’ve made, we have been having more than our share of stress right now. First, Hubby’s pc went down forcing us into the position of having to buy a new one…did I mention we just bought his 6 months ago and no, the warranty isn’t any good now…it was only good for 60 days. Then I find out after 8 months of payments to my student loan that was supposed to have it just about paid off, they scammed me and wanted me to pay another $1300. But the biggie was still to come. Last Friday I woke up to one of our bank accounts being $177. Overdrawn. Now, we have 3 accounts…a primary, a second one for just online stuff and a third for our savings. It was the second one for online stuff that was overdrawn. So I called the bank and told them that we didn’t authorize these charges and what do we do. The manager put a “hard hold” on the account and canceled the debit cards. I also got the phone numbers for the company that charged us so I could call them. The manager told me that with the hard hold on the account that nothing would be able to come in or go out of the account but they couldn’t close it as long as it had a negative balance. Well, from what she said I quit worrying about it, afterall since it was locked, more or less, it was safe…we just had to wait for the company to return the money. I called the phone numbers and got some laboratory and spoke to a woman who had to be something like Guadimalian or something b/c I only understood about every third word. I mean it was practically impossible to understand her. I couldn’t find out anything but she kept saying “cancel?” and I kept saying “cancel!!”. I also looked it up online and found that it is a huge scam. Well, this morning I was up at 3:30am and when I checked the bank it showed nothing pending so I thought “good, it’s all cleared up, we can close it now”. Then about 2 hours later I looked again and now it’s overdrawn $247.!! Oh, and the bank added two overdraft fee’s totaling $70. I was furious! I called and their like “oh, it got through”. Well, their suggestion was to leave it for 10 days and they’d do a dispute and try to get the money back and there “shouldn’t” be any new charges. Well, this charge wasn’t “supposed” to go through and it did. So I talked it over with Hubby and he said “just pay it and close the &*^*%*%&^* account”. So we did. With his high blood pressure and my migraines we just can’t take anymore stress. It just p*sses me off that they let this happen after I called and told them about it in the first place and then they even made sure to add their fee’s so that they could steal even more money from us. The manager even told me that ANY purchase you make online gives your card number, expiration date and the little 3 digit number on the back of the card to ANYONE working in that company. Any one of those ppl can steal it and do what they want and the only thing a bank can do is do a dispute and IF they find in your favor they won’t make you pay it…but realistically if they can’t get the money back from the thieves then their going to get somewhere and chances are it’s the customer. It just made me want to take all our money out and go back to using cash. I don’t know about others but we just can’t afford this type of thing. I bet if the money had to come out of the bank workers pockets they’d make sure it wasn’t going through. Have you ever been scammed like this? Would you have paid it and closed it or left it open and hope nothing else is taken out? Do you think they should have closed it the minute they saw the bogus charge or at least froze the account? Do you think they should have charged overdraft charges? [b]~~AT PEACE WITHIN~~ **STAND STRONG IN YOUR BELIEFS**[/b] Tue, 03 Feb 2009 17:41:32 GMT twoey68 http://www.mylot.com/w/discussions/1771657.aspx I responded to a similar discussion about online shopping. It was more about how often do you shop online. But I wanted to know which do you prefer, online or in the store? I like to think that I can find things in the stores 1st instead of relying on the internet all the time, as I like to think that what if my computer crashes and I can't get online. Or what if I didn't have one. I would like to think that if I'm patient, which I'm not,that I can go out and find what i'm looking for. The thing about online shopping, is that there are alot of items that you can find that aren't in the stores.That's what makes me pull the trigger on the credit card when I see something. I purchased a softball bat off ebay for a low price that I knew they don't carry in stores like sports authority or modells. And if they do the price would be more. I used to be real heavy into shoes and sneakers, especially the skateboard sneakers. There are so many skatebaord shoe company websites that you will not find in the stores. So I have no choice but to order online. I have recently cut back my online shopping because of some credit card fraud. There was some company that kept charging me $50 that I never heard of. That's the thing about online shopping, you have to worry about computer hackers stealing your credit card info. Fri, 31 Oct 2008 12:13:48 GMT stinge http://www.mylot.com/w/discussions/1742531.aspx i have just got a bill from a courier boy when i opened that bill i was surprised i got bill from bank which claim to due on me around 8000 RS eventhough i didnt have anything from this bank...as per bill i have got a credit card from their bank and i have done some purchasing througt that card but as far as my knowlegde is concern i never have any kind of relationsheep withthis bank i dont know who have taken card on my behalf and how i can handle this issue . pls guide me how to sort out this problem. Sat, 11 Oct 2008 07:06:58 GMT sush123 http://www.mylot.com/w/discussions/1733924.aspx Withso many stories of credit card fraud, how safe is it to use credit card for shopping? What is the golden rule for shopping with a credit card? Sun, 05 Oct 2008 10:17:04 GMT mercuryman3a http://www.mylot.com/w/discussions/1665627.aspx I am so angry right now I can hardly see straight. I just got a call from my credit card company stating that they suspected fraudulent activity on my credit card. They tell me that someone went on an online spending spree with my card over the last few days to the tune of over $2,000!I'm still trying to figure out how they got my number! I am always so fanatically careful about where I use it. It had to be online because I have only used my card 4 times over the last 2 months, 3 were online purchases on encrypted websites I've been shopping at for years and one was to pay a bill online, also an encrypted website. Other than those my credit card has never left my possession or even been out of my wallet. So the only explanation is somehow I've gotten some kind of trojan virus on my computer that can track and log everything I do online. What an incredible invasion of privacy! Now I have to fill out a bunch of paperwork that the credit card company is sending me, they have cancelled my current credit card number and are issuing me a new card. I have to change all my online passwords too. I'm sure there are several other things I'm going to have to do that I haven't thought of yet but I will as soon as I calm down. I have a bad feeling this could be a huge hassle and who knows what I might get stuck with paying because of someone else's fraud. I think from now on I'm going to use those credit cards that can be used only once then the number is no longer valid if I must make an online purchase. It's just to risky to use a regular credit card online. Has anyone else been a victim of credit card fraud? If yes, did you get your situation resolved easily or was it a big hassle? Fri, 22 Aug 2008 15:55:57 GMT craftcatcher http://www.mylot.com/w/discussions/1637289.aspx I watched a news story the other day about people who've called in on those ads that say you only have to pay the postage to get the item. They entered their credit card or bank info for the item and in some cases got the item but were charged for much more than postage. One guy ordered the 30 day supply of Cigarest and was sent a 90 day supply and charged for the 90 day regular rate. One woman participated in something that was supposed to help her save money on something regarding her home, I believe, but they started charging her $159+ per month on an automated charge and her bank wouldn't stop the payments so she finally had to close her bank account to stop the charges. Not all of these companies are scams but I would like to suggest a way to avoid these types of things from happening. If you want to order something, don't put it on your bank account or regular credit card. Go to the grocery store and get one of those Visa/Mastercard or American Express gift cards and use that to order the item. That way, if they try to charge you again, they won't be able to do so. If the item you want is over $100, get one of the refillable cards. It takes about a week to come in, which means you may have lost interest in whatever it is enough not to bother or you can load just enough to cover the cost of the item. Again, as long as you don't put more money on the card, they won't be able to charge you any more. Just don't use something that can cost you long term. And, be aware that most of these companies charge a $1 or more activation fee to make sure the credit card is valid and the reloadable gift cards charge a $1 per charge fee unless you pay a $9.95 a month fee. Make sure to read all the fine print so you don't end up the loser. I hope this helps someone. Mon, 04 Aug 2008 20:55:16 GMT whimsystoryteller http://www.mylot.com/w/discussions/1607560.aspx came across this list of [u]don'ts[/u] from a website. pretty useful information for those of us who holds a credit card. with credit card fraud so rampant nowadays, we couldn't really afford to let our guards down. do keep these in mind the next time you whip out that credit card. it might save you a rude shock when you receive your bill. [em]cool[/em][i]1. Giving out your credit card number over the phone and fax to unverified sources. 2. Passing over your credit card number at dodgy websites or over the email. These are sneaky phishing tactics at work. Don't fall for them!3. You did not sign at the back of your new card. 4. You did not shred the card when you have stopped using it 5. You leave your card lying around, and not paying due attention to them. 6. You do not keep a record of all your credit card transactions and activities. You might just be on a receiving end of a "gift" charge if you are not careful. 7. Not properly disposing your credit card receipts. 8. Writing your PIN number on your credit card. Not a wise move. 9. Lending your credit card to any Tom, D.i.c.k and Harry.[/i] Wed, 16 Jul 2008 22:59:18 GMT applefreak http://www.mylot.com/w/discussions/1564338.aspx A guy went to the gym and put his clothes and wallet in the locker. After workout, he went to the locker to find his locker open. Wondering if he had left it open, he checked his belongings. All money and cards in order. After some time he received a bill for a huge amount. On checking with the bank, the customer personell verified that there was no mistake. Asked if he had lost his card. On checking his card, he was shocked to see a switch had been made. A similar expired credit card had been replaced and small amounts withdrawn amounted to a big amount. The bank insisted that since he did not report the missing card, he would have to pay the sum. Why were no calls made to verify such a big amount. Small sums rarely trigger a bell. So do be careful. Mon, 16 Jun 2008 23:17:14 GMT ketybhagat