WHAT THE F***!! Someone got a hold of my bank info..

Checked online to see how much money I have to budget some more, when I noticed that I have less than what I expected to have. Come to find out, some asshole(s) got a hold of my banking info and rented movies and ordered two pizzas from Dominoes. I'll have to wait till tomorrow if the pending transactions go through and if they do I'll have to call my bank again to file a claim and get my money back. Never thought I'd be a victim, I cover myself when I enter my pin number so noone else will see it. I hope I get the money back pronto.

 

Fraud blows man. Luckily they only ordered some cheap shit though.

 

Heh, if it was delivery, then you could track them and report them to the police.

 

You should see if you can track them down and take legal action - the pizza place would have to have a phone number, and there would have to be some sort of contact information for the video place. Give them the legal shaft and line your pockets with their misfortune. It's what I'd do. :angry

 

You know...if I was to steal a credit card...I think I'd be able to come up with somthing better to do than rent a couple of movies and eat some pizza.

 

the worst thing i have ever experienced that one stole my wallet and stole identity for a while but the fucker was too slow so after a week all his actions was stopped , and that is why i am not fund of internet buisness

 

They were problably hoping that if it was a small amount of $$$, then you wouldn't notice. Then the next day they'd buy a new stereo or something.

My mom is a victim of identity theft - someone took out a bunch of credit cards in her name and ran up all kinds of crazy bills. She got it all cleared up and didn't have to pay for any of it, but it's still left a black mark on her record (and is partially at fault for her being denied a home loan.)

What really blows ass is that it appears to be an inside job. The charges originate in the same town in Florida where she sends the credit card bills.

But do the credit card companies care? Nope, they just want thier money. They don't spend a dime investigating, even when it appears one of thier own employees is ripping people off.

Sucks.

 

my dad had 50 bucks charged into hes account for 5 months, but he coudlnt do anything about it because it was a mexican credit card so in order to transfer the account to another one "change credit card number" they needed him to go to the bank personally to mexico, but at the end they complied, and the worst part is that he thinks is my fault :-(

 

That''ll be an official Darwin award if the guy actually ordered pizza to his house, lol.

In terms of risk/benefit ratio of what you can do with someone else's bank info, that's about the dumbest option I can think of.

 

I checked my account and the two charges for the pizzas were canceled and got my money back. However, the one from the video rental store did not and before I do call them to cancel that and get my money back I'll file a police report to see if they can track the sucker down so that I can go ALQaida on his ass.

 

Eva01:

Dude! Mexican banks are absolute shite.

The bastards (Serfin) tried to rob my dad back in the crisis in 95, saying he owed them like a million pesos or such, and even if they have no documents proving any debt, they still send threatening letters and call with DEATH THREATS. I don't think that's legal.

Sometimes, my credit card information (Banamex) does not get to my house on time, but the ads and such from the same agency do. So I don't know my minimum unless I go ask or print it. Charge against me, of course.

 

I don't understand... did they steal your card too? Otherwise, how would they use your bank info?

To join a video store, you need ID. YOUR id. And they aren't gonna let Joe Bloggs use Fred Smith's bank details.

Over here, we've just got chip and PIN. You enter you PIN at the counter when you pay by card. Prior to that you just had to sign the receipt, so it was easier for people to steal your card and defraud you.

Do you have chip and PIN in America?

 

there is no chip "well, there is in 1 card" just magnetic strip and the damn pin of evil.

 

We're starting to get that chip & PIN stuff here too. They got those weird looking chips on the cards, like phonecards (well the modern, non-magnetic ones) or SIM cards.

 

So do you sign for stuff in store, or enter your pin on a terminal?

Anyone can watch you enter a PIN, and of course any dodgy shop employee can get card details off a receipt and use them online. Also, in the Far East, some disreputable companies will clone your card when you pay for stuff!!

 

not to mention with chip and pin every muppet in the shop (and even the cctv) sees you enter the pin ... al they need to do then is kick yer head in then use your card in a billion other shops :-( The only effective defence is to be a poor bastard, so when anything gets charged to your current account it gets declined, or transfer feveryhting to your savings account and only transfer the amount needed when it's needed to the current account. That of course is assuming some dodgy banker isn't taking a few % here and there like you allways here them doing ....

 

We're starting to see credit cards and such in the US that have this security chip you guys mention, I think American Express was the first one to have it.

Also, a lot of stores are starting to not require you to sign for purchases (like in *ahem* Starbucks, you don't have to sign for purchases under $25.) Most other big retail chain department stores have that electronic signing thingy, where you sign on that tablet and there's no hard copy with your signature.

Simple solution to people watching you- make sure nobody is looking over your shoulder when you put the pin number in. Like if there's someone standing next to an ATM, don't use that one, or tell him to get lost first.

Most of the recipts I see nowadays have your credit card number blanked out except for the last few numbers (like " XXXX XXXX XXXX 9301") The last four numbers are needed becasue they identify the card. Of course, this is only on the customer recipt, the one the store keeps usually has the number on it still.

I suppose that's still better than in the olden days when they would use that carbon paper thing.

Getting a fake ID is actually very easy, all you need in most states is a birth cirtificate and another form of ID. So, you get a hold of a phoney birth cirtificate (like one from someone who is the same age as you but has died) then go get a state ID with that one, then usually you can get a real drivers liscence with that. Works even better if the person who's identity you're stealing is from another state. Another benifit is that if a cop stops you and runs the liscence it looks legit (as in it's on file at the DMV.) Just make sure whoever you steal it from dosen't have a criminal record of thier own.

Some states (like Alaska or Nevada) it's even easier, and all thier IDs are just laminated cards without any crazy security holograms on them. But good luck trying to buy beer with any of those.

 

It doesn't work like that with chip and pin. They have cameras aimed at the tills (as most shops do), and the chip n pin machines are conveniently next to the tills in direct line of sight of 1 or more cameras ... :angry

 

I use an American Express Blue card, it's a smart card (ISO7816) I only use it online so it never gets read anywhere. Anyways, it's not a walk in the park to copy a smart card... They're not just memory, they're microcontrollers, the only way to access information is to do so legitimately, backdoor or lure it out. I believe the thing about the smart credit card revolution is that you DON'T need to enter anything, just insert your card into the reader and digitally sign your name and you're off. In America now lots of places will make you use a 4 digit verification number and crap since nobody but the cardholder actually has that number (thats something that's protected/not in the smart card) so thats a step forward although it doesn't help for people that steal your wallet.

 

Hawanja:
when my father is near an ATM and i am with him i put my back to his back so no one can watch over his shoulder when he is typing his code in.

yes my back to his back, it gives some security.