Deleted
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Post by Deleted on Oct 9, 2015 22:40:17 GMT -4
Anyone else been a victim recently? Our card was cloned and someone went on a $4000 shopping spree in Bowie. Met another person here on the island that had the same thing happen. We narrowed it down to the few places that we used the card and the other person went to one of those places as well...
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dano
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Post by dano on Oct 10, 2015 7:00:20 GMT -4
LTI...Would you care to share which establishment(s) your CC's were used, since we suspect this happened to us also ?
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Post by loco812 on Oct 10, 2015 8:06:24 GMT -4
Yes I actually did last weekend. Apparently my card was skimmed and they used it at a hotel in Arkansas. Wiped out my checking account and dipped into my lie of credit. Fortunately I work for the bank and my account was reimbursed. Lovintheisland, do you have an idea where the person got our info?? I can also narrow down where my card was used as well. I have the name of the person who used my acct number as well as a receipt from the hotel.
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Post by island21638 on Oct 10, 2015 10:33:30 GMT -4
FYI
I got hit last year at Big Owls. We caught it in time though.
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Post by emsguru on Oct 10, 2015 14:46:42 GMT -4
I'd like to know if the new chip tech that is supposed to roll out real soon will stop these types of credit fraud.
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Post by kiboater on Oct 10, 2015 15:07:52 GMT -4
I'd like to know if the new chip tech that is supposed to roll out real soon will stop these types of credit fraud. Eventually. The first step is for all of our cards to have chips and for the merchants to get machines to read the chips. Then a 4 digit PIN is assigned to the card's chip. This 4 digit PIN will replace your signature. This is what they use in Europe. They don't sign the slip but instead enter their PIN. It is suppose to be better because the PIN is only stored in your card not in some central database that can be hacked.
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Deleted
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Post by Deleted on Oct 10, 2015 21:41:29 GMT -4
I don't want to name a place because I don't want to slander a place if it's not true. We only used that card at 4 restaurants on the island. The person we met also used his card at one of those places. We called the sheriff and he came out and made a case. If it happened to you, you should also call so they have more information.
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Post by by by by on Oct 10, 2015 21:52:54 GMT -4
At least contact those places and inform them to be aware or look out for shadiness
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Deleted
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Post by Deleted on Oct 10, 2015 21:56:15 GMT -4
At least contact those places and inform them to be aware or look out for shadiness We did. We also pay cash now.
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Post by frankf on Oct 10, 2015 22:00:12 GMT -4
I'd like to know if the new chip tech that is supposed to roll out real soon will stop these types of credit fraud. Eventually. The first step is for all of our cards to have chips and for the merchants to get machines to read the chips. Then a 4 digit PIN is assigned to the card's chip. This 4 digit PIN will replace your signature. This is what they use in Europe. They don't sign the slip but instead enter their PIN. It is suppose to be better because the PIN is only stored in your card not in some central database that can be hacked. Close... Unlike magnetic-stripe cards, every time an EMV card is used for payment, the card chip creates a unique transaction code that cannot be used again. www.creditcards.com/credit-card-news/emv-faq-chip-cards-answers-1264.phpWhat we'll see here no doubt is vendors not wanting to change due to cost and dragging their feet (doesn't matter to them, they'll get paid).
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Post by ksollod on Oct 10, 2015 22:30:38 GMT -4
We were contacted by our bank's fraud department and they said someone tried to use our 'card' in NC last Saturday. Husband rarely uses his card. If you're willing, could you PM the business please. Thanks.
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Post by saildogs on Oct 11, 2015 7:37:24 GMT -4
My husband's debit card was hit last week also. There were charges from San Diego. We thought the issue was from a recent trip to Vermont but seems it could have happened here. Fortunately we caught it quickly and all money is restored to the account. He used his card in grocery stores and gas stations but no restaurants. Cash is probably the best way to go.
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Post by Rich Fisher on Oct 12, 2015 10:36:18 GMT -4
My debit card was hi last month - They used is all over Chicago until it ran out. My Credit Union replaced it, but it was a big pain. The fraud people told me to never use it at a restaurant or cafeteria since they are the biggest culprits due to transient workers. They suggested opening up a credit card with a low credit line of around $250 to use at restaurants and just pay it off when it's used.
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Post by island21638 on Oct 12, 2015 12:05:40 GMT -4
My Black Chase card, gives me an alert that a charge was made within 5 seconds after they run it. I can hit another button on my app and stop it right then,nice, Chase Black Marriott reward card. Plus you get a ton of free hotel days if you use it.
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Post by constructr on Oct 12, 2015 15:49:11 GMT -4
One of my cards was cloned at the McDonalds in Cape St. Claire last year. Know this for a fact. Fortunately, I'm with NFCU and they caught it for me and froze the card. They only charged about $600. Lots of small to medium charges. They covered all charges, too. I have one of the chip cards and I don't think it will prevent CC Fraud, but it will GREATLY reduce it. It takes about 8 seconds longer to purchase an item because you insert the card into the machine and it reads the chip. Chip cards have been in use for years in Europe, with great success. Just keep in mind that the US is waaaay behind Europe and Japan, perhaps 10 years or so, when it comes to technology.
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Post by deputy on Oct 16, 2015 6:12:18 GMT -4
Don't get too comfortable with the new chips coming, it's not to protect the consumer, We're already fairly well protected. I've been hacked numerous times in recent years for thousands of dollars and we've never paid a cent of it. No- we don't have any insurance or other crap attached to our cards.
From what I've read the chip will will change that policy and shift the responsibility from the CC companies to the retail stores. the stores will take the money hit instead of the CC company. How long do you think it will take for the stores to shift that burden to the consumer?
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Post by frankf on Oct 16, 2015 6:52:41 GMT -4
How long do you think it will take for the stores to shift that burden to the consumer? I would envision quite a legal battle would be put up over an attempt to do that. It's the store's responsibility to verify the identity of someone using a credit card at their establishment. It isn't the consumer's responsibility.
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Post by kiboater on Oct 16, 2015 11:34:06 GMT -4
How long do you think it will take for the stores to shift that burden to the consumer? I would envision quite a legal battle would be put up over an attempt to do that. It's the store's responsibility to verify the identity of someone using a credit card at their establishment. It isn't the consumer's responsibility. The merchant assumes responsibility only if they do not upgrade to the new card readers. Here is an article that describes the upcoming implementation WSJ Article
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moxie
Full Member
Posts: 205
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CC Fraud
Oct 26, 2015 14:05:50 GMT -4
via mobile
Post by moxie on Oct 26, 2015 14:05:50 GMT -4
I knew Big Owls had this happening to them last summer... and now it would seem it was still happening this summer. How come this person has not been caught? And why has Big Owls not warned their customers and/or switched to cash only? Is it an inside job?
Went there a few weeks ago, and just got letter in mail from my bank saying we had used our card at a place that is known for fraudulent card use. I know it was from there... we have not had any outside expenditures yet... but I can't help but wonder why the business is not being proactive, and communicating with their customers. I had assumed they had fixed the issue.
People don't ask for much, except for communication.
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Post by yachtjim on Oct 26, 2015 23:59:21 GMT -4
The burden has always been on the store. We lose 5 digit $ to credit card fraud every year. The CC companies don't care. The burden is on the business that accepts the card. To add insult to injury we get charged a fee when the card is run, and charged a fee again if we catch the fraudulent transaction and refund the person. We often can't even call the credit card company to ensure the transaction is legit. It is the most backwards assed thing I have ever seen. And we have used several different companies over the last 15 years, and all work the same way. So when you get your money back from being careless with your card security just know that a business somewhere is paying the penalty for it. I don't understand how the new chip is going to help anything.
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