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| someone used by credit card (Read 346 times) |
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posted: 3/25/2008 at 1:30 AM |
| Welcome to the club. You may also what to place an alert with the credit bureaus to prevent anyone from opening an acct without contacting you first. |
Run until the trail runs out
2008 TARGET 150 MONTH
2009 TARGET 40/40 |
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posted: 3/25/2008 at 2:19 AM |
| Quote from FastTalkingFatty on 3/24/2008 at 9:05 PM:
Should I worry a lot? Is there something more I should do?
Sorry to say this, but...
Should you worry....YES! Identity theft is the #1 crime in the USA!!
Call a credit agency to get a report and check all your activity over the past few years. Make a police report tomorrow. ( I handle these type of cases every day ) They can enter you into the NCIC database as an identity theft victim. Preventing someone else from using your name and dob in the future as an alias. Keep a copy of the police report for future instances of ID theft and save EVERYTHING!
Document, document, document and document! Names, date, times and phone numbers of everyone you speak to...law enforcement, creditors, banks, ect. You want to CYA big time in case this happens again.
Usually it happens multiple times to the same person. Once your info is out there it is more likely to be used again.
sorry to pee on your cheerios. I just don't want you to think this is a open and shut case.
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Ironman Louisville 8-30-09
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posted: 3/25/2008 at 4:16 PM |
| Quote from GP160 on 3/25/2008 at 2:19 AM: Sorry to say this, but...
Should you worry....YES! Identity theft is the #1 crime in the USA!!
Call a credit agency to get a report and check all your activity over the past few years. Make a police report tomorrow. ( I handle these type of cases every day ) They can enter you into the NCIC database as an identity theft victim. Preventing someone else from using your name and dob in the future as an alias. Keep a copy of the police report for future instances of ID theft and save EVERYTHING!
Document, document, document and document! Names, date, times and phone numbers of everyone you speak to...law enforcement, creditors, banks, ect. You want to CYA big time in case this happens again.
Usually it happens multiple times to the same person. Once your info is out there it is more likely to be used again.
sorry to pee on your cheerios. I just don't want you to think this is a open and shut case.
Good, if scary, advice. I had just done the credit report thing last fall because I was apartment hunting. But I didn't sign up for a service because I thought "hey, who wants to impersonate me?" I was wrong. I am going your route, this maybe a little thing but I prefer the safety first route. Thanks. |
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Lisa3.1 |
posted: 3/25/2008 at 4:50 PM |
Quote from Sockoni on 3/25/2008 at 12:22 AM:I've never had my card frozen because someone else was using it, but I've had it frozen when *I'VE* been using it!! It was a rare day when I went looney crazy shopping and was cha chinging all over the place. It actually got frozen right in the middle of my darned shopping trip. Day off. Was having fun. I was on the phone forever trying to get it resolved. Great that it was monitored so well, but put a slight damper on the day. Probably good that I was stopped. 
That's what happened to us on mor ethan one occassion. Eachtime that it did, it was when we were at a gas station. |
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posted: 3/25/2008 at 5:05 PM |
| Quote from Lisa3.1 on 3/25/2008 at 4:50 PM: That's what happened to us on mor ethan one occassion. Eachtime that it did, it was when we were at a gas station.
Probably thought you were trying to make a getaway!
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| $$$ Help me Step It Up!$$$ |
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| view log Blaine Moore |
posted: 3/25/2008 at 5:27 PM |
I've had my credit card numbers stolen before, but I keep close track of my finances so while my bank usually figures it out before I do I've always caught it pretty quickly.
Shopping online is actually safer than using a card in person because most credit card transactions are completely encrypted online whereas in person the person can do something as simple as not handing your card back after you sign the receipt (had this happen to my mother) or the info can be copied when its out of sight (at a restaurant for example) or a machine to read your card can be replaced (has happened at ATMs and at retail locations around the country) or, in Hannaford's case, they can be following all security practices but the numbers can be copied from the network before actually being encrypted and sent for the credit card authorization.
One thing to bear in mind is that you aren't liable for charges on your credit card (some cards may only leave you liable up to $50, which is nothing) - debit cards leave you liable for whatever is charged before you report it stolen. As mentioned above, it's easier to get charges for other people's money disputed and removed than to get them to give you your own money back.
As for the Hannaford break in, I'm not too worried. 1800 fraudulent charges for something that's been going on for 2 or 3 months and that got 4 million card numbers is a very low percentage, so chances are any individual card is fine. I just called my card companies and told them to send me new cards and they are on their way. The only thing that got compromised was the account number and expiration, so there's no worries about identity theft. |
Run to Win
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| view log Blaine Moore |
posted: 3/25/2008 at 5:27 PM |
| Quote from Lisa3.1 on 3/25/2008 at 4:50 PM: That's what happened to us on mor ethan one occassion. Eachtime that it did, it was when we were at a gas station.
Most credit cards only allow any individual card to be used twice at a gas station in any given day. More than that automatically flags the card. |
Run to Win
I just started using Twitter - anybody else on there? http://twitter.com/RunToWin
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posted: 3/25/2008 at 5:38 PM |
There is some inaccurate info floating around on this thread about debit cards. To clarify:
http://www.ftc.gov/bcp/conline/pubs/credit/atmcard.shtm
ATM or Debit Card Loss or Fraudulent Transfers (EFTA). Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss. If you report an ATM or debit card missing before it's used without your permission, the EFTA says the card issuer cannot hold you responsible for any unauthorized transfers. If unauthorized use occurs before you report it, your liability under federal law depends on how quickly you report the loss.
For example, if you report the loss within two business days after you realize your card is missing, you will not be responsible for more than $50 for unauthorized use. However, if you don't report the loss within two business days after you discover the loss, you could lose up to $500 because of an unauthorized transfer. You also risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you. That means you could lose all the money in your bank account and the unused portion of your line of credit established for overdrafts. However, for unauthorized transfers involving only your debit card number (not the loss of the card), you are liable only for transfers that occur after 60 days following the mailing of your bank statement containing the unauthorized use and before you report the loss.
If unauthorized transfers show up on your bank statement, report them to the card issuer as quickly as possible. Once you've reported the loss of your ATM or debit card, you cannot be held liable for additional unauthorized transfers that occur after that time.
Sorry to hear about your card being used inappropriately. Sounds like you've got a plan of action in place now, though. |
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Cynthia |
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posted: 3/27/2008 at 2:26 PM |
| Quote from Teresadfp on 3/24/2008 at 9:09 PM: Avoiding buying stuff on the internet is no guarantee you won't have problems. Our local supermarket, Hannaford Brothers, just announced that four million credit card and debit card numbers were stolen while data was enroute (however that is possible!). So far, 1800 people have had unauthorized transactions made on their cards. We use that store all the time, so I'm checking my cc statement often. It took Hannaford's awhile to make the problem public, so they may be in hot water.
I think this is a common misconception that many people have. Just because you don't use your card on the store's website, don't think that they don't have your info stored electronically on their network with the potential to be stolen or "lost." I actually feel safer using my card on a reputable website than handing it to somebody in a store or restaurant. You either have to trust these companies to keep your info relatively safe or not have credit cards at all. |
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coastwalker |
posted: 3/27/2008 at 4:35 PM |
| Quote from CheffysHUB on 3/24/2008 at 11:53 PM: If you are really concerned you might want to get a copy of your credit report. You are allowed to get a free copy once yearly from each of the credit reporting companies (Experian, Trans Union, and Equifax) You will not get your credit score for free, but you can see all of the open credit under your name.
You can get an free report from each of the 3 credit reporting companies once a year. So you can get a fresh report once every 4 months. It's a good habit to get into.
Jay |
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Lisa3.1 |
posted: 3/27/2008 at 4:39 PM |
I know it's unrelated to the credit card question asked, but does anybody know when the cr's show that a mortgage has been paid off, is it right away, is it several days, or weeks
Thanks |
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