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Your card has been cancelled

Discussion in 'Open Discussion (Work-safe)' started by NorthShoreBuck, Feb 10, 2005.

  1. NorthShoreBuck

    NorthShoreBuck True Madness Requires Significant Intelligence

    Not what you are thinking?

    My Credit Card company called me last night about some unusual activity.
    My wife and kids are in Orlando so I was not worried.
    Turns out there have been several $1.00 purchases on the web.
    I guess this is a trial run before the badguys try to buy something big.

    So they cancelled my card and are FEDEXing out new ones today.

    My wife has an alternative and I told her to use the mother in law's card.:)

    I asked the CC lady how to prevent this, it has happened twice before and she said there is really nothing I could do.

    I asked if I could get the shiiping address of the $1.00 purchases but she said no. I was curious if it was a local person or someone from a place I had traveled.
     
  2. gbearbuck

    gbearbuck Herbie for President

    Don't get me started on this.... my wife purchased an airline ticket on Delta's website.

    The next month when the bill comes there were five airling tickets purchased from Japan on various airlines serving the pacific rim that we've never heard of.... all in all well over $15k was charged to our account.

    We still don't know if a hacker hacked into her system at work (where she made the purchase) or if it was a hacker that was in Delta's site...

    At any rate it took a little over six months to finally get everything straightened out... what a pain in the "rear"
     
  3. man i once got the SHAFT from using my credit card to order pizzas from that donato's at Grand and Livingston? or whatever intersection downtown near the Franklin Univ Business Library. one ofthe employees there swiped my CC# and used it on this fake/forged military document that allows soldiers to travel and use the document (w/credit card #) to sleep at hotels/etc.

    so i noticed some crazy charges on my account and started investigating...this idiot used his real name (Antwan Holliday) on the document and had stayed at a hotel...had his friend's car fixed..the works..but i tracked his ass down and even went into the donato's to get him. i was gonna run him over w/my car i swear to god but instead i took all the evidence i collected..showed it to a cop in a cruisier and was like 'there, go get 'em' and he's like 'can't do a thing..gotta call a detective and it'll be like six months'...problem was i moved to chicago a few months later.

    long story short i did have some fun calling antwan and his buddy ...i was calling their homes saying i heard i get heroin from this number and their parents were flipping out...so hopefully i caused them half the stress they caused me. oh, and bancone reimbursed me 100%...

    and that's the saga of how Antwan HOlliday of columbus OH ripped me off..
     
  4. NorthShoreBuck

    NorthShoreBuck True Madness Requires Significant Intelligence

    gbear

    You need to change cards.
    I travel at leat 50% of the time and we put everything on our CC but they seem to pick up quickly on anything out of the ordinary for me.
    Never had to fight with them or pay a fraudulant charge.

    Like I said it has happened several times before,
    People that work in resturaunts, bars and retail stores can grab it and sell it.
    You are right sometimes you can get hacked.
    People would be surprised how much information is floating around out there and how often big companies get hacked.
     
  5. gbearbuck

    gbearbuck Herbie for President

    This was the card my wife uses... my card is great. They check on me all the time (talk to the card company when any big purchase is made... or if a purchase is made to certain types of stores... id jewelry stores).

    My wifes card company was just purchased by another company, so hopfully the service will improve.

    Part of the problem was I called and had it canceled however from the billing date to the date I received the bill, more transactions had occured (and I didn't find out about them for another month when they showed up on the card). To make matters worse they took some charges off that were legit, and the companies were calling up asking us why the creditcard company was pulling that money away from them. Part of the charges were credited back to us on the spot, others needed a formal investigation to have them removed (all interest and any fees associated with the charges were also credited back)... was a pain, however everything was credited back. I think it had to do with all the moving parts.... the fact I was talking to folks that couldn't speak english didn't help either (I'm sure the call center was offshore... or they hired crack heads...???).

    We primarly use cash now... I'm feed up with credit card companies after that...
     
  6. Misanthrope

    Misanthrope Banned

    I've used my OSU FirstUSA CC for years and have never had a problem. I've used it in several states, Europe and on the internet.

    Have I just been lucky?
     
  7. gbearbuck

    gbearbuck Herbie for President

  8. NorthShoreBuck

    NorthShoreBuck True Madness Requires Significant Intelligence

    Misanthrope

    My in-laws travel all over the world, take multiple vacations and have never had their card numbers stolen, damn them. Yes they are lucky also.

    I had to go item by item last night with the lady on the phone, I was on their website also, discussing which charges were good.

    The pain for me is my health club, cell phone and home phone all get billed directly to my card so tomorrow I will be calling all them. I figure I will miss one or two others, they'll let me know.
     
  9. Trslfan

    Trslfan Newbie

    Holy Shit!!! I went to high school with antwan holiday. I am sure it is the same guy. He lived right around that neighborhood. He wwould be about 25 or 26 right now
     
  10. OSUsushichic

    OSUsushichic Fired up! Ready to go! Staff Member

    I got an email today from PayPal stating that someone was trying to tap into my account via a foreign IP address (I've only used the account once to buy something on eBay -- an OSU jersey, in fact). I thought the email was a fraud at first because the email address was spoof@paypal.com, but I looked on their website, but that is in fact their address for customers to report fraudulent emails. I called Paypal and canceled my account. That could have been ugly. :(
     
  11. BuckeyeSkins

    BuckeyeSkins Go Bucks/Hail to the Redskins!!

    I also got an email like that Sushi. Funny thing is, I've never used Paypal or established any kind of account with them.
     
  12. NorthShoreBuck

    NorthShoreBuck True Madness Requires Significant Intelligence

    New cards just showed up.
    I think I'll wait until my wife gets home before I activate them.

    I also have to go to all my travel partners and enter the new card.
    This could take awhile.

    I also check my paypal account about once a quarter.
    At this stage in the game the best you can do is never reply to any email about your financial situation. My CC calls me once they suspect something.
     
  13. BuckStocksHere

    BuckStocksHere Semper Fi!

    Never had a problem online.... used a credit card on the internet for the first time in about '95 !

    I don't have any credit cards anymore as they are the work of the devil.

    However, I do carry a Check Card and use that for everything. It is protected by VISA - same as most major ones....AMEX etc.


    Heck I even have a Netteller account that has money withdrawn from my checking account and money put in it for playing poker online.

    no problems. I feel bad for those who have gone through this crap, but you are still in the major major minority.

    forgot - if you do use your check card...wherever you use it...online...or at a restaurant or best buy.... select "credit". Debit transactions are not covered by an security features....only "credit" transactions are.
     
  14. NorthShoreBuck

    NorthShoreBuck True Madness Requires Significant Intelligence

    We could probably do a thread on the evils of credit.

    My card pays 5% back on gas and 1% back on all other purchases.
    They refund the money the next month as a credit.
    To me this is easy free money. Usually around $100 a month.
    I use my card for business so every $600 flight, $1000 hotel stay and $500 car rental puts money in my pocket.

    I pay my balance off in full every month.
    I have an outrageous credit limit but come no where near it at any time.

    When it comes time for a credit score this has helped me maintain a very high score and my credit rating is excellent.

    I can live with the small problems of having my number stolen.
    Having your ID stolen is an different thing completely which I would not wish on anyone.
     
  15. BuckStocksHere

    BuckStocksHere Semper Fi!

    OH yeah.... credit card thread would be entertaining...and sad at the same time.

    Most people that use that "cashback" bonus programs of varying sorts are generally the people who shouldn't. You are not one of those it sounds like! Congrats. The generally 1% they are getting back is undercut by the - annual fees, late payments, interest charged because they don't pay off balances every month. You are a rare bird.

    Plus it helps that you are putting that much on it, because most people don't spend that type of money monthly.... If people would spend 1000 a month on a bonus back credit card... they would get a whopping 10 bucks back. Not worth it to me and certainly not to those who can control their spending.

    My life was completely rearranged for the better when I decided to open up my ears and listen to Dave Ramsey.

    I'd whole heartedly suggest anyone that is looking for some financial advice on getting out of debt....go find him on the radio...or hit his website.
    www.daveramsey.com

    This guy changed my life, and my kids(that I don't have), and my kids kids. Simple, plain, easy to understand in case you were wondering.

    Easily one of the top 10 things I have ever done in my life... Probably top 5. No BS
     

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