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Vanity: I've been the victim of credit card fraud
Self | June 13, 2013 | Theo

Posted on 06/13/2013 12:06:12 PM PDT by Theo

I received an email and text from Discover Card this morning, saying that I might be the victim of credit card fraud.

I gave them a call, and learned that someone had charged over $10,000 worth of items over the past two days, at local stores: Walmart, Office Max, Publix, Macy's, and so on.

My wife bought two shirts for me on Tuesday from Macy's, using her Discover Card, and within a few hours someone had somehow physically re-created the card and was using it all around town.

Discover is not holding us accountable for the charges, and will reimburse us shortly. I've contacted LifeLock (where we have an account), and notified them of the breach. I've pulled my three credit reports, and it looks clean. Seems that only my Discover Card number was stolen.

I plan on filing a police report, after I receive documentation from Discover Card detailing the fraudulent use of my card. They tell me that the police can secure photos and video from security cameras at the place where the card was used, and we may be able to track down the culprit(s).

The odd thing is that just a couple of days before the fraudulent charges, we received replacement cards from Discover, because they were concerned that our account had been compromised.

Any FReepers ever been the victim of credit card fraud? Any recommendations on how to proceed? Any idea how the perps created a physical card with our credit card info on it?


TOPICS: Business/Economy; Weird Stuff
KEYWORDS: creditcard; fraud
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To: Theo

It was probably an NSA employee.

/s (sorta)


51 posted on 06/13/2013 3:28:43 PM PDT by EternalVigilance (John Boehner and the Republican Party: A wholly-owned subsidiary of Democrats, Inc.)
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To: Rusty0604

>> “ I showed all the info to a policeman, that thanked me but said that they usually don’t have time to go after people committing CC theft.” <<

.
He’s right, they’re way too busy marching in the “Gay Pride” parade.
.


52 posted on 06/13/2013 3:29:02 PM PDT by editor-surveyor (Freepers: Not as smart as I'd hoped they'd be)
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To: editor-surveyor

esp. this was in SF bay area


53 posted on 06/13/2013 3:50:07 PM PDT by Rusty0604
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To: Theo
Had fraud with my Discover Card earlier in the year, and the thieves went to town making electronic online purchases. This I thought was stupid since they had to give an address differntly than mine. In any case Discover took care of it with no problems.

One precaution I am taking though is I will not let go of my card. This keeps the potential thieves from getting your 3 digit security code on back. If I am at a restaurant that the waiter needs the card, I pay cash.

54 posted on 06/13/2013 4:01:39 PM PDT by catfish1957 (Hey NSA Goon watching FR... Suck this - > |=====>)
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To: Theo
$10,000 in two days? Yikes! You'd think that alarm bells would have gone off at Discover Card long before it hit $10K.A few years back,when trying to check into a hotel in Britain,the desk clerk said there was a problem with my card and handed me the phone that he had been on for a few minutes.It was an official of Visa's Security Department asking me all kinds of security questions...mother's maiden name,etc,etc.I answered them and the guy said all was OK and explained that they were very attuned to various kinds of fraud and that's why they "flagged" my account.

I think that you might have grounds to seriously question Discover Card regarding their fraud prevention policies.

55 posted on 06/13/2013 4:08:48 PM PDT by Gay State Conservative (The Civil Servants Are No Longer Servants...Or Civil.)
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To: newnhdad
that $10 charge was a test

That's what I thought too but the statement arrived several weeks after that purchase so whoever was testing could have easily charged up a number of other costly items.

I don't know........

56 posted on 06/13/2013 4:24:38 PM PDT by Hot Tabasco (This space for rent)
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To: Theo
After reading through the thread the only thing I have to add is something that will not happen for years yet but you need to be on the lookout for.

When the company writes off the debt in about three years make sure they don't write it off to you.

Had a BoA card that was opened in our name but at an other address. Finally managed to prove we were not using it. It is very tough for them to argue when the card was being used half way around the world and your CO states that you were right there in Germany.

But when they wrote off the debt they sent to notice to the fake address. And of course they sent it to the IRS. Who insisted we pay taxes on it.

Much hilarity followed.

57 posted on 06/13/2013 4:44:07 PM PDT by Harmless Teddy Bear (Revenge is a dish best served with pinto beans and muffins)
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To: Gay State Conservative

In 2007, the wife and I were at the very edge of civilization: Elk City, Idaho. I tried to buy a t-shirt with my VISA card. It was rejected, so I used my AMEX card. I went across the street to a gas station where my VISA was similarly rejected. We went back to our cabin and I called the 800 number provided. The lady at the other end asked if I was near Columbus Circle, NYC. Some weasel had scammed my number and used it to withdraw $802 from an ATM. The lady said not to worry as they would restore every cent wIthin 48 hours. They did, but I had to used the AMEX for the rest of the trek. If you’re ever in Elk City, stop in at the Wilderness VFW Post. It’s literally the only place in town. When I got back home, I went to the bank and spoke with the manager. He said that I was the sixth customer from that branch who’d been scammed that week. I asked him if they were going to chase the perp. He said, nope, it’d just cost too much.


58 posted on 06/13/2013 5:11:24 PM PDT by Ax
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To: NEMDF
Believe me, my family did not want me to let her off that easy.

To make matters worse she is my cousin. My mother and her mother were sisters and after my mom died, I continued the tradition of going over in the morning and having a cup of coffee with her every day. She passed away several years ago, but for the memory of her and the fact that she would have lost her job, I couldn't find it in my heart to go any further that restitution and psychiatric care.

I had a coin jug that also always seemed to be losing money, and some Morgan Silver Dollars from the late 1800's and early 1900's that my mom saved while she was alive.

59 posted on 06/13/2013 5:20:10 PM PDT by mware
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To: Shimmer1

Lifelock kicks in for those situations where you would have to hire an attorney to prove you didn’t do what it’s being said you did. Case in point: someone steals your i.d. and makes such a hot mess of things for you that the IRS comes down on you for fraud — but it was the person who stole your ID who ruined your credit and spent money in your name for which they never paid taxes. THAT is where LifeLock would kick in - but all Credit Card companies have a “no liability” policy which kicks in when your card is lost, stolen, or hacked. Hence, they do not need to get involved there.


60 posted on 06/13/2013 5:41:58 PM PDT by JLLH
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To: editor-surveyor

Not at all. There are far more egregious — and expensive ways — to commit fraud than just credit card fraud. I know of someone whose identity was misused to the point that he had problems with the IRS — without any help to navigate the mess. Lifelock does that. They also contact credit bureaus and have them send reports, monitor who might be trying to open very large accounts or mortgages in your name, etc... It’s very cheap peace of mind. Anyone can go it alone if they wish, but I wouldn’t in this day and age. I’ve seen the mess that can happen and it’s only you to try to prove your innocence. No thanks.


61 posted on 06/13/2013 5:46:48 PM PDT by JLLH
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To: kingu

That makes sense. Thanks for the info!


62 posted on 06/14/2013 7:31:40 AM PDT by Theo (May Christ be exalted above all.)
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To: NEMDF

We haven’t yet. I’m waiting to receive documentation from Discover Card before going to Macy’s. I want to have the police report filed, and the police investigation under way, before giving Macy’s the heads-up.


63 posted on 06/14/2013 7:32:48 AM PDT by Theo (May Christ be exalted above all.)
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To: TurboZamboni

LifeLock specializes in identity theft. This was credit card fraud.


64 posted on 06/14/2013 7:33:53 AM PDT by Theo (May Christ be exalted above all.)
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To: cynwoody

They said it may have been compromised. Only the 3-digit code on the back changed, not the 16-digit number on the front.


65 posted on 06/14/2013 7:34:56 AM PDT by Theo (May Christ be exalted above all.)
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To: Sarah Barracuda

Turns out it was closer to $14,000 that they spent over the course of 2 days. Yeah, that is a shopping spree! :-)


66 posted on 06/14/2013 7:36:14 AM PDT by Theo (May Christ be exalted above all.)
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To: Harmless Teddy Bear

Thanks for that advice. I’ll make sure to confirm that with Discover.


67 posted on 06/14/2013 7:40:21 AM PDT by Theo (May Christ be exalted above all.)
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To: editor-surveyor; All
From a LifeLock blog entry:

Question: Somebody stole my credit card number and charged thousands of dollars. Why didn’t LifeLock alert me?

PROTECTING YOUR PLASTIC

"To put it bluntly, LifeLock identity theft protection does not alert you about credit or debit card fraud. We have two great reasons for this..."

I'm not sure how LifeLock would know when it was you spending on your own or someone else. I think that means they would have to alert you after you engaged in any kind of commerce with your card.

68 posted on 06/14/2013 7:49:15 AM PDT by GreenAccord (Bacon Akbar)
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To: Theo

Sign up for the Credit Kharma website. It’s free. Check it every month.


69 posted on 06/14/2013 7:50:53 AM PDT by stuck_in_new_orleans
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To: Theo

Holy cow..14,000, are you sure a member of the GSA or IRS didnt go on a little shopping spree LOL


70 posted on 06/14/2013 9:29:51 AM PDT by Sarah Barracuda
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To: Theo

a number of years ago I purchased some text books for homeschooling from a Texas publisher and used my internet only CC. That afternoon I received a nice call from the CC asking me whether I was shopping in New Jersy and purchasing hundreds of dollars of clothes.

I said no.

They said they would send me out a new card and number immediately.

I am sure the woman I spoke to called the card into friends.

who probably made up a card to splurge with.

Nasty business.


71 posted on 06/14/2013 9:34:24 AM PDT by Chickensoup (200 million unarmed " people killed in the 20th century by Leftist Totalitarian Fascists)
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To: GreenAccord

boy my cc company knew my spending patterns and caught the fraud within hours.


72 posted on 06/14/2013 9:36:53 AM PDT by Chickensoup (200 million unarmed " people killed in the 20th century by Leftist Totalitarian Fascists)
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To: GreenAccord

I was simply taking their advertising at face value.

Their ads imply that they can do it, so they should be doing it (or begin to advertise more honestly).

The truth is that all they really do is bill you.


73 posted on 06/14/2013 9:42:33 AM PDT by editor-surveyor (Freepers: Not as smart as I'd hoped they'd be)
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To: MinuteGal

“I notified Visa that I don’t go shopping every day in Key West....”

Visa promptly called the NSA, and your file now shows you as gaycist!


74 posted on 06/14/2013 11:22:59 AM PDT by Yehuda
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To: Theo
They said it may have been compromised. Only the 3-digit code on the back changed, not the 16-digit number on the front.

Interesting. There are two three-digit codes on the back: a letter and a three-digit sequence number over on the left of the signature panel and the last four of the account number and the three-digit CVV code over on the right of the panel.

I just looked through a stack of old Discover cards. Sometime in the mid-nineties, they started printing the full account number on the back (four groups of four), followed by the three-digit CVV code. About 2005, they went to printing a letter, a three-digit sequence number, a patch of blank space, the last four of the account number, and the three-digit CVV.

Also, sometime around the middle of the last decade, they started the practice of sending out new cards with the same account number, expiration date, and CVV, with only an incremented sequence number. They've done it to me a bunch of times, never with any indication of fraud, but always some sort of pitch when I call the number to activate the new card. Obviously, a marketing ploy.

Most recently, they've started incrementing the expiration date by a month and also changing the CVV.

One thing to note: If a new card has been issued with the same account number, expiration date, and CVV, old cards with different sequence numbers should get declined when swiped (the sequence number is part of the swipe data). However, bad guys could still use the account online if they can guess the billing address. Typically, account number, expiration, billing address, and CVV is what you need online.

75 posted on 06/14/2013 11:35:27 AM PDT by cynwoody
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