Credit Card Scam

[GloBug]

well i guess over the weekend someone got a hold of my bank atm/credit card number and spent some money. well lots of money. my wife noticed it today and called the bank to report the theft. well the funny thing is as she is on the phone with the bank the bank notices someone trying to do another purchase. they cant track who it is yet but they say they will get to the bottom of it. well from what i know they have bought a bunch of dvd;s cd's and bunch of other crap thet they can sell. man this really sucks. its gonna put me in a bind as i had to cancel my card and get issued a new one that wont arrive for 3-7 business days. i am not sure how they got it. i dont use it for online purchases and never used for poker money. makes me wonder if i used it at a store or restaurant or somewhere and they got the number that with my cvv number. thats the only thing i can think of. has anyone gone thru this before and hw long did it take to recoup your money? funny thing is all the charges were make to a bunch of UK companies and 1 on lori's hometown of marysville. well the marysville company has returned the money from that transaction but the UK comepanies might be harder. eejit u making charges to my card? lol

this is gonna be a tough week with no money. dam now i got to use my credit cards for groceries and all the other weekly things i spend on. :angelsad2:

[dms88]

i dont really care. just make sure who ever has your card doesnt spend your whole life savings we wouldnt want that now would we?

[GloBug]

i dont really care. just make sure who ever has your card doesnt spend your whole life savings we wouldnt want that now would we?


okay your a really good hearted person. i appreciate the good thoughts u have. its good that you care enought topost. makes me feel good.

[targetguy1]

dude that sucks. i had that happen to me once and it was a pain in the butt. i had to fill out a few forms from the bank before they would do anything but in about 3 weeks i think i got my money back. i dont know why it took 3 weeks but that is how long it took me. it was only about 5 transactions on my card but nothing to major. a few hundred here and there but i did have money but aside for emergency which i had to use. online banking is a great thing. i check my almost ever hour when i am online just cuz it freaks me out to know people out there could have access to my crap. sorry about the tough luck but everything will be alright glo

[taylovesthebeatles]

So sorry to hear Glo, man it just sounds like bad luck keeps following you around! I hope you can get it resolved as quickly as possible, and if there's anything I can do to help, please let me know!

[GloBug]

yeah welli found where they got my info. i made a purchase recently online for a Lamp for my DLP tv and thats where they got it from. i guess the company i got the lamp from dlp lamp resource they got hacked and my info got out. i got a email form them today stating they got hacked . how ironic i get a email when i found out my card info was stolen. great just a few days late. the only time i use a my card and they get my info. wow i guess i will only use the prepaid ones i have been using. lol well in 2-3 weeks ill have my money back.

[BnLM5]

OMG! You have go to be kidding me! That makes me sick! I am so sorry Glo. How in the he!! did someone get your ATM number from that company? Sounds interesting to me. I would be on that company about that!!! For sure! I would check into that, I am thinking they should be responsible. This is why I use prepaid cards now alomost every where. I am glad whoever these skanks bought stuff from in Marysville gave you your money back. What did they buy from Marysville? Glo I am taking a class right now on this type of theft I will see what I can find out. Hopefully something of value. I am glad you got it stopped at least for now.

[GaTechMom]

Sorry for the problems with your credit card GloBug, but at least you caught the problem before it got to far out of hand.

[GloBug]

OMG! You have go to be kidding me! That makes me sick! I am so sorry Glo. How in the he!! did someone get your ATM number from that company? Sounds interesting to me. I would be on that company about that!!! For sure! I would check into that, I am thinking they should be responsible. This is why I use prepaid cards now alomost every where. I am glad whoever these skanks bought stuff from in Marysville gave you your money back. What did they buy from Marysville? Glo I am taking a class right now on this type of theft I will see what I can find out. Hopefully something of value. I am glad you got it stopped at least for now.



well they hacked the main server for the company dlp lamp source and supposedly got alot of info and credit card number with the cvv security numbers. i mean there is gonna be more than me that will have this problem. they bought dvd's from acompany in marysville. like a wholesale company or something. i laughed when i seen marysville. u came to mind. i will ge tmy money back and i cant go after that marysville company or the dlp lamp source company as they have sent out a email that they got hacked. they covered there tracks as the law states and thats all i can do is wait.

[BnLM5]

i dont really care. just make sure who ever has your card doesnt spend your whole life savings we wouldnt want that now would we?

I hope this is a nice reply! Because I would hate to think that you are making light of my friends situation. It might be me and I do hope it is but this reply you have made, to me sounds rather rude. Please correct me if I am wrong, I mean please! :) Lori

[markjfixit]

Concidering it was UK I still think eej is behind it lol

[GloBug]

I hope this is a nice reply! Because I would hate to think that you are making light of my friends situation. It might be me and I do hope it is but this reply you have made, to me sounds rather rude. Please correct me if I am wrong, I mean please! :) Lori



ah dont worry about it lori. i got no issues with it.

[Lilred36]

Somehow missed this post, dude so sorry.I really hate this crap,bad buisness,I feel for ya bro.The best of luck to ya,hope they really get this jerk.

[BnLM5]

NDN the following message will have been copied and pasted. I tried to send Glo a link but it will take him to a log in page for my school. I tried to email the copy to Glo but it is too big for the private messaging. The information can be very helpful to Globug. Deduct the chips if necessary as I did not write the info. I just have access to it :)

Here Glo I think this might help you. :)

FDIC Consumer News - Spring 1998
Important Update: Changes in FDIC Deposit Insurance Coverage

The FDIC deposit insurance rules have undergone a series of changes starting in the Fall of 2008. As a result, certain previously published information related to FDIC insurance coverage may not reflect the current rules. For details about the recent changes, visit Changes in FDIC Deposit Insurance Coverage. For more information about FDIC insurance, go to FDIC: Are My Deposits Insured? (http://www.fdic.gov/deposit/deposits/index.html) or call toll-free 1-877-ASK-FDIC (1-877-275-3342). For the hearing-impaired, the number is 1-800-925-4618.

A Crook Has Drained Your Account. Who Pays?

Federal laws and other protections may limit your losses if you fall victim to a bank fraud or theft. A swindler runs up a big bill on your credit card or steals hundreds of dollars from your bank account. Do you suffer the loss? In many cases of bank crimes, your liability is limited by law or industry practices to the first $50 of loss, but that depends on the type of account and how quickly you report the problem.

Suppose a thief obtains your ATM card and uses it at an automated teller machine to withdraw money from your bank account. Under the Electronic Funds Transfer Act, your losses are limited to $50 if you report your ATM card lost or stolen within two business days of discovering the loss. If you wait between two and 60 days of discovering the loss, you can be liable for up to $500 of what a thief withdraws. If you wait more than 60 days after receiving a bank statement that includes an unauthorized transfer, the law doesn’t require your bank to reimburse you for any losses. You’re not responsible, however, for any funds withdrawn after you notify your bank that the ATM card is lost or stolen.

What if your credit card is lost or stolen and gets used by a thief? Under the Fair Credit Billing Act, your losses are limited to $50 per card. As with ATM cards, you’re not responsible for charges made after you report the card lost or stolen.

More and more people are using debit cards (or “check cards”) to pay for purchases from a checking account without writing a check. By law, a consumer’s liability for an unauthorized use of a debit card is comparable to that for an ATM card, which may be far higher than that for a credit card ($50 maximum loss). However, it’s easier for a thief to deplete an account with a debit card than with an ATM card, because some debit cards require only a signature, not a personal identification number (PIN). Fortunately for consumers, though, VISA and MasterCard have voluntarily limited debit card liability to the same $50 limit that exists for credit cards.

The stored-value card has emerged in recent years as another way to purchase items. These cards are purchased with cash and have a fixed value that gets reduced as purchases are made at merchants that accept the card. If a stored-value card is lost or stolen, it‘s like losing cash, and no federal law protects you.

While no federal law limits your losses if someone steals your checks and forges your signature, you do have protections under state law. Most states hold the bank responsible for losses from a forged check. However, most states also require the customer to take reasonable care of his or her account. You may be held liable for the forgery if you don’t notify the bank in a timely manner that a check was lost or stolen, or if you don’t monitor your account statements and promptly report an unauthorized transaction. Pay attention to your accounts. Contact your state’s consumer protection office to learn more about your rights.

Many banks also purchase a form of insurance called a banker’s blanket bond that may protect them from robbery, burglary, embezzlement and other causes of disappearing funds. The banker’s blanket bond would cover the bank and, most likely, ensure that funds taken from your account would be covered.

Finally, your credit history can receive unfair blemishes when a thief uses your credit card, debit card or checking account. But under the Fair Credit Reporting Act, if you think your file contains incorrect information you’re entitled to an investigation by the credit bureau. If you disagree with the results, you have the right to include in your credit file a brief statement giving your side of the story.
What is FDIC-Insured?

Many consumers mistakenly assume that FDIC insurance must protect them from a fraud or theft if the funds were taken from an insured account. But by law, deposit insurance only protects your accounts up to $100,000 if your insured bank or savings institution fails. To learn more about what is and is not protected by FDIC insurance, read our brochure “Insured Or Not Insured,” which is available free of charge from our Public Information Center or on the Internet (FDIC: Publications & Documents (http://www.fdic.gov/news/publications/index.html)).

I have more that may be helpful to you. Let me know ok... I hope this helps!!!
Lori

[markjfixit]

would that be like a 10,000 chip post??

[BnLM5]

would that be like a 10,000 chip post??

Only if you have a million rep points. But it was a very helpful post. And should very well put Glo at ease with the fact that his ATM info was stolen and used God only knows how much money the took from him and if it were me I would appreciate any knowledge on helping. You realize that if hackers done this they know what they are doing. Which means the people that are victims here are possibly at stake for other different types of theft. Obviously they have names and address and what ever information they hacked.

[GloBug]

yes they hacked and got away with $1200. now thats really hurt me. but in two weeks illl be getting it back. ill get a new atm in 3-7 business days with a new acct number. thanks for the help lori. your the best.

[markjfixit]

NDN the following message will have been copied and pasted. I tried to send Glo a link but it will take him to a log in page for my school. I tried to email the copy to Glo but it is too big for the private messaging. The information can be very helpful to Globug. Deduct the chips if necessary as I did not write the info. I just have access to it :)

Here Glo I think this might help you. :)

FDIC Consumer News - Spring 1998
Important Update: Changes in FDIC Deposit Insurance Coverage

The FDIC deposit insurance rules have undergone a series of changes starting in the Fall of 2008. As a result, certain previously published information related to FDIC insurance coverage may not reflect the current rules. For details about the recent changes, visit Changes in FDIC Deposit Insurance Coverage. For more information about FDIC insurance, go to FDIC: Are My Deposits Insured? (http://www.fdic.gov/deposit/deposits/index.html) or call toll-free 1-877-ASK-FDIC (1-877-275-3342). For the hearing-impaired, the number is 1-800-925-4618.

A Crook Has Drained Your Account. Who Pays?

Federal laws and other protections may limit your losses if you fall victim to a bank fraud or theft. A swindler runs up a big bill on your credit card or steals hundreds of dollars from your bank account. Do you suffer the loss? In many cases of bank crimes, your liability is limited by law or industry practices to the first $50 of loss, but that depends on the type of account and how quickly you report the problem.

Suppose a thief obtains your ATM card and uses it at an automated teller machine to withdraw money from your bank account. Under the Electronic Funds Transfer Act, your losses are limited to $50 if you report your ATM card lost or stolen within two business days of discovering the loss. If you wait between two and 60 days of discovering the loss, you can be liable for up to $500 of what a thief withdraws. If you wait more than 60 days after receiving a bank statement that includes an unauthorized transfer, the law doesn’t require your bank to reimburse you for any losses. You’re not responsible, however, for any funds withdrawn after you notify your bank that the ATM card is lost or stolen.

What if your credit card is lost or stolen and gets used by a thief? Under the Fair Credit Billing Act, your losses are limited to $50 per card. As with ATM cards, you’re not responsible for charges made after you report the card lost or stolen.

More and more people are using debit cards (or “check cards”) to pay for purchases from a checking account without writing a check. By law, a consumer’s liability for an unauthorized use of a debit card is comparable to that for an ATM card, which may be far higher than that for a credit card ($50 maximum loss). However, it’s easier for a thief to deplete an account with a debit card than with an ATM card, because some debit cards require only a signature, not a personal identification number (PIN). Fortunately for consumers, though, VISA and MasterCard have voluntarily limited debit card liability to the same $50 limit that exists for credit cards.

The stored-value card has emerged in recent years as another way to purchase items. These cards are purchased with cash and have a fixed value that gets reduced as purchases are made at merchants that accept the card. If a stored-value card is lost or stolen, it‘s like losing cash, and no federal law protects you.

While no federal law limits your losses if someone steals your checks and forges your signature, you do have protections under state law. Most states hold the bank responsible for losses from a forged check. However, most states also require the customer to take reasonable care of his or her account. You may be held liable for the forgery if you don’t notify the bank in a timely manner that a check was lost or stolen, or if you don’t monitor your account statements and promptly report an unauthorized transaction. Pay attention to your accounts. Contact your state’s consumer protection office to learn more about your rights.

Many banks also purchase a form of insurance called a banker’s blanket bond that may protect them from robbery, burglary, embezzlement and other causes of disappearing funds. The banker’s blanket bond would cover the bank and, most likely, ensure that funds taken from your account would be covered.

Finally, your credit history can receive unfair blemishes when a thief uses your credit card, debit card or checking account. But under the Fair Credit Reporting Act, if you think your file contains incorrect information you’re entitled to an investigation by the credit bureau. If you disagree with the results, you have the right to include in your credit file a brief statement giving your side of the story.
What is FDIC-Insured?

Many consumers mistakenly assume that FDIC insurance must protect them from a fraud or theft if the funds were taken from an insured account. But by law, deposit insurance only protects your accounts up to $100,000 if your insured bank or savings institution fails. To learn more about what is and is not protected by FDIC insurance, read our brochure “Insured Or Not Insured,” which is available free of charge from our Public Information Center or on the Internet (FDIC: Publications & Documents (http://www.fdic.gov/news/publications/index.html)).

I have more that may be helpful to you. Let me know ok... I hope this helps!!!
Lori

so your saying by copying and pasting a 5,000,000 word post (which I thought was against the rules) that your getting chips for. you could not just post the link?? or send him a pm?? and if I read it correctly he and his wife had this all figured out with there bank already anyway?

[taylovesthebeatles]

so your saying by copying and pasting a 5,000,000 word post (which I thought was against the rules) that your getting chips for. you could not just post the link?? or send him a pm?? and if I read it correctly he and his wife had this all figured out with there bank already anyway?

....Did you not read what Lori said at the beginning of the post?


NDN the following message will have been copied and pasted. I tried to send Glo a link but it will take him to a log in page for my school. I tried to email the copy to Glo but it is too big for the private messaging. The information can be very helpful to Globug. Deduct the chips if necessary as I did not write the info. I just have access to it

She says right there that she couldn't just post a link and it was too long for a pm! And she told NDN to deduct chips if necessary! Jeez, give her a break please and read!

[TerpZone]

She could have put quote tags around it! :)

I'd give her double chips though. Just because.

[BnLM5]

Thank you Tay and TerpZ, I appreciate the support. I love you guys! :svengo:

And Markjfixit do you wanna box? We can take it out on the grass if ya want to! :) No, but really Markjfixit does it really look like I am trying to take credit for the source of information of issue here? No! It does not. But I will answer your questions. Yes I did pm Glo and he wanted to see the information. Here is a copy of the link I sent him.

http://elearning.yccd.edu/webct

Go ahead and click on the link if you like and it will take you to one of my classes which you will not be able to access. So I then decided I would just copy and past the info to him in a pm. Which I attempted to do but was unsuccessful as the information was more than the pm would allow. So I then decided that I would go ahead and paste the information here. As I thought that it was very useful information that a friend of mine and his wife could use. As they lost quite a large sum of money due to theft which had in turn had them concerned and worried. Had you been the victim here I would have done the same. Hopefully this clears things up with you. I do not see how you could think that I was out on a personal gain hunt for NDN chips in this situation, nonetheless you did somehow see it that way.??? However I can assure you that you were sadly mistaken. But if you still have concerns by all means let it be known. :) Lori

[GloBug]

so your saying by copying and pasting a 5,000,000 word post (which I thought was against the rules) that your getting chips for. you could not just post the link?? or send him a pm?? and if I read it correctly he and his wife had this all figured out with there bank already anyway?


well mark as she stated ndn can take the chips away. your over stepping your bounds with lori. sorry but lori is one of our outstanding members. she was helpinh me and i appreciate it. and it is agianst the rule if u just cut n paste everything. she doesnt spam one bit. and i dont consider this spam.

slow your roll bud. you are still new here.

[TerpZone]

My Blackboard (http://elearning.yccd.edu/webct)


I hate you. I miss webct. I miss college. So much. :(

[BnLM5]

I hate you. I miss webct. I miss college. So much. :(

You can have my human anatomy class if you want!!!! It is by far the hardest class I have ever taken. NO JOKE!
I love the WebCT but we only use it to enhance classes on campus. For the online classes we now use Blackboard. I don't care for it as well. :)

And Glo thank you very much for the support!!! I appreciate it. :)

[TerpZone]

You can have my human anatomy class if you want!!!! It is by far the hardest class I have ever taken. NO JOKE!
I love the WebCT but we only use it to enhance classes on campus. For the online classes we now use Blackboard. I don't care for it as well. :)

And Glo thank you very much for the support!!! I appreciate it. :)

Maryland replaced webct with blackboard back in 07. BB is definitely better, although I still preferred course pages.

[BnLM5]

Maryland replaced webct with blackboard back in 07. BB is definitely better, although I still preferred course pages.

Do you really think so. I am getting more used to it but it is still having quite a few technical issues. But things like this are what really irritate me the most...
Mind you I have three online classes that use Bb. One of those classes I was required to upgrade and update my computer mainly my Browser. So I use Mozilla Fire Fox and I upgrade and as soon as it was done I could not get back into Bb as Bb does not support the new browser. How stupid is that so far? I mean these people work together and are my professors. Scarry! Then I think ok, don't freak out just restore your computer to an earlier date, done, wrong. Firefox is gone now as with the upgrade it somehow deleted the older program file. I am not computer illiterate however I can't still find the older version any where on my computer at any date. In the mean time my security program now needs to reinstall a bunch of updates and will not work properly because my connection totally sucks. Truthfully patients could not have waited this one out. Any way I have it handled now. I use Firefox for everything except Bb and for them I use Netscape. That's my story. Don't know exactly why I said all of that but I thank you greatly for reading it. And I am so procrastinating sleep and study. yuck!

[TerpZone]

Do you really think so. I am getting more used to it but it is still having quite a few technical issues. But things like this are what really irritate me the most...
Mind you I have three online classes that use Bb. One of those classes I was required to upgrade and update my computer mainly my Browser. So I use Mozilla Fire Fox and I upgrade and as soon as it was done I could not get back into Bb as Bb does not support the new browser. How stupid is that so far? I mean these people work together and are my professors. Scarry! Then I think ok, don't freak out just restore your computer to an earlier date, done, wrong. Firefox is gone now as with the upgrade it somehow deleted the older program file. I am not computer illiterate however I can't still find the older version any where on my computer at any date. In the mean time my security program now needs to reinstall a bunch of updates and will not work properly because my connection totally sucks. Truthfully patients could not have waited this one out. Any way I have it handled now. I use Firefox for everything except Bb and for them I use Netscape. That's my story. Don't know exactly why I said all of that but I thank you greatly for reading it. And I am so procrastinating sleep and study. yuck!

I have never had compatibility problems with blackboard and firefox. Odd that you are.

I've also never taken online courses though, so I don't know much about blackboard and online classes.

[KaciBlakely]

Wow globug! I'm sorry I didn't see this post earlier. It's sad that these kinds of things happen but you'll get your money back so rest assured.

When my information got stolen it was because I used a third party atm at a hospital I was visiting because my cousin was having a little baby.

Anyways long story short I called and got everything stopped. I had purchases being made in Las Vegas and California and was not there, obviously. Anyways it stopped and I got all the money back.

But the moral is never use third party atm machines either.

It had my banks name on it too. But it was still third party so be careful with those too.

[kingsnthahole]

do yourself a favor Glo, if it's an ATM-debit/credit card...talk to your bank and open up another checking/savings account that isn't linked to your card. Store a majority of your cash in the one that isn't linked to that card, and transfer money when you know your going to spend it in advance. This also cuts back on my spending. I do about 90 percent of my banking online and have never had a problem. I refuse to insert my card numbers online unless it's through a well known secure site.

[GloBug]

do yourself a favor Glo, if it's an ATM-debit/credit card...talk to your bank and open up another checking/savings account that isn't linked to your card. Store a majority of your cash in the one that isn't linked to that card, and transfer money when you know your going to spend it in advance. This also cuts back on my spending. I do about 90 percent of my banking online and have never had a problem. I refuse to insert my card numbers online unless it's through a well known secure site.



yeah i agree with that but i usually make online purchese with prepaid cards and this was th eone time. what are the odds of that .lol

[thenutzaa1]

well i had to get a new debt card as well.

a store in hong kong with a transaction id of strawberry lcd (and bunch of numbers) hacked into my account!

funny thing was that they would debt my account first and then credit my account for just a tad more maybe .10... after 3 months i found out b/c i was doing my balance sheet and after 3 months i was negative 6 dollars and figured everything out! oh man it took 4 hours to talk to my bank about this b/c they could not figure it out!

hackers are smart b/c i am sure a lot of people dont see these kind of things!!!