primitive a victim of credit card fraud

[franksolich]

http://www.democraticunderground.com/1018660904

Oh my.

New thread, no primitive's commented yet.

Tobin S. (6,786 posts)    Tue Sep 2, 2014, 06:10 PM

Several years ago I was a victim of credit card fraud

Somebody got a hold of my credit card information and maxed it out- $13,000. Fortunately, I was not on the hook for that. The credit card company was able to determine when the fraud occurred.
 
Fast forward to now. I was doing some online banking involving this credit card company. I had never done anything like that with them. When I went to set up my online account, it said that one already existed. I didn't think that was right. I went ahead and changed all of the account information. The user name was not one I would have picked and I had to change the password. Then I noticed something...an e-mail address on the account that wasn't mine. It almost explicitly spells out a name. I got to thinking that maybe this was the person who had committed the fraud.
 
I called the credit card company to tell them what I had discovered in case it might be of any help to them. I got somebody from India who had no clue about what I was talking about. I submitted a complaint about the e-mail address and that was that.
 
This kind of makes me want to hire a private detective.

<<<doesn't do, never has, never will, "bank" on the internet, or even pay bills via the internet.

<<<does all financial business in person; not even via telephone.

Some might think, "Well, he lives in a small area, and so it's easier for him."

Uh, no.  It's a very large area, larger than any of the entire states in New England, but with only a few thousand people living in it.  This means things are usually few-and-far between, involving taking a great deal of time and using a great deal of gasoline to do such things in person.

However, if one adjusts one's life-style, it becomes as easy as strawberries-and-cream, to go about banking and paying bills in person.

[JohnnyReb]

I thought I was about the last person alive that paid his bills in person.....and I have never had a credit card.

[franksolich]

I thought I was about the last person alive that paid his bills in person.....and I have never had a credit card.

Actually, there's a personal reason I do this, much in the same way I buy only one package of cigarettes at a time, necessitating another trip to buy a new one.

As the deaf get older (say, past 18 years of age?), we tend to become more and more reclusive, hesitant about going out, hesitant about encountering other people.

Doing things this way forces me to get out.  And so I do.

[I_B_Perky]

I thought I was about the last person alive that paid his bills in person.....and I have never had a credit card.

Same here except I do have a couple of credit cards. Charge on them every now and again to keep my credit score up. I prefer dealing in cash. I've always believed you think about purchases a little more when you are laying out cash.   

[thundley4]

I thought I was about the last person alive that paid his bills in person.....and I have never had a credit card.

I mail checks , because I don't want to run around to pay the bills in person.  I will buy a credit/debit card for a set amount to buy something online that I can't get locally, like computer parts.

[Chris_]

It's taken me a few years, but I have gradually drifted to automatic online payments.  My insurance, credit card, and utilities come out of my account automatically.  It's a lot less stressful than trying to remember when what is due where and when and forgetting about one.

[freedumb2003b]

Actually, there's a personal reason I do this, much in the same way I buy only one package of cigarettes at a time, necessitating another trip to buy a new one.

As the deaf get older (say, past 18 years of age?), we tend to become more and more reclusive, hesitant about going out, hesitant about encountering other people.

Doing things this way forces me to get out.  And so I do.

If it is a social thing, then more power to ya.

But I do 100% of everything online -- Mrs. FD balances the checkbook daily (impossible in a non-electronic world).

And I have checked and have seen exactly zero examples of anyone hacking a bank account, except through those huge holes in security known as Debit Cards.

I don't have TIME to run around town and take hours to do what can be done in minutes.  With zero risk.

[Carl]

The first lie was that droopy drawers had a credit card with a 13,000.00 limit.
Generally speaking,useless lunatics don`t have high credit scores.

[DumbAss Tanker]

There are a couple of bills that never vary which I pay on-line as credit card charges, however I am not comfortable with allowing any creditor direct access to my bank account, and also not comfortable with allowing any bill that might have a variable amount to put a charge against one of my credit accounts.  I would rather stay with paper checks and stamps for everything else. 

[GOBUCKS]

Electronic banking and debit cards are the greatest inventions since women and pulled pork barbecue.

I buy stamps once a year for Christmas cards, and get cash from an ATM maybe once every six or eight weeks.

I don't remember the last time we ordered checks.

And the risk of this convenience is so close to zero it doesn't merit a thought.

[thundley4]

http://www.usatoday.com/story/tech/2014/09/02/home-depot-credit-cards-hack-russia-ukraine/14972179/

Home Depot's credit cards may have been hacked

[wasp69]

I don't think DUmbass Tobin has considered the fact that the account might belong to one of the other voices in his head.

[Gary56]

Another poor attempt at a bouncy.  What Tobs is saying is not possible.  When he went in to set up the account and the bank says one existed he wouldn't be able to go any further without the user name and password.  He couldn't change the password without knowing the original password.  The bank would email the user name and password to the email address on the account, which he says isn't his, but he wouldn't know that becauses the bank would not give him that information.  Dummies lie, dummies lie all the time.

[GOBUCKS]

And I have checked and have seen exactly zero examples of anyone hacking a bank account, except through those huge holes in security known as Debit Cards.

The overwhelming majority of people use debit cards.

I don't remember the last time I saw anyone pay cash or write a check at a store.

And I've never heard of anyone losing a dime to fraud despite all the breathless media reports of hacker activity, and at any rate your liability is limited by law to peanuts.

If your SS number is stolen, someone could open accounts I guess and cause a lot of nuisance, but you're more likely to be struck by lightning.

So I don't worry and stay happy.

[Carl]

The overwhelming majority of people use debit cards.

I don't remember the last time I saw anyone pay cash or write a check at a store.

And I've never heard of anyone losing a dime to fraud despite all the breathless media reports of hacker activity, and at any rate your liability is limited by law to peanuts.

If your SS number is stolen, someone could open accounts I guess and cause a lot of nuisance, but you're more likely to be struck by lightning.

So I don't worry and stay happy.

Each to their own comfort level but me too,I do almost everything online or by automatic bill pay.
Anything can happen but the chances are slim.

[tanstaafl]

Each to their own comfort level but me too,I do almost everything online or by automatic bill pay.
Anything can happen but the chances are slim.

The credit card companies keep a close eye on account activity so as to minimize their liabilities.

[BlueStateSaint]

The overwhelming majority of people use debit cards.

I don't remember the last time I saw anyone pay cash or write a check at a store.

And I've never heard of anyone losing a dime to fraud despite all the breathless media reports of hacker activity, and at any rate your liability is limited by law to peanuts.

If your SS number is stolen, someone could open accounts I guess and cause a lot of nuisance, but you're more likely to be struck by lightning.

So I don't worry and stay happy.

My SIL and her husband do almost everything online by automatic bill pay.  They got hacked.  Accounts cleaned out, had to get new credit/debit cards.  It happened this past spring.  ('Course, they're moonbats, too.)

[landofconfusion80]

Every 5 minutes in this country, somebody is a victim of credit card fraud. That person is Tobin S 

[GOBUCKS]

('Course, they're moonbats, too.)

DUmmies lie, all the time.

If you report questionable transactions within two days of getting your next bank statement, your liability is limited to $50, just like credit cards.

The situation is so exceedingly rare, some banks advertise that they waive even that small liability.

The only way you could lose any significant amount is if you go more than sixty days before notifying your bank.

If you had less than fifty bucks to begin with, then I guess you could get cleaned out.