Credit Card Fraud Lameness

[Lowlight]

Okay, so last week I noticed some debt charges begin to appear on my Pay Pal account from my Debit Card number, not online. Someone got my Debit card number and started to use it.

Because the Pay Pal account will email you in almost real-time when the card is used, I immediately shut it down, and basically use my Pay Pal card for this very reason. It limits my exposure, especially in sketchy spots and traveling.

Yesterday I got home from CA and in the mail, there was a copy of the insurance information the scammer tried to open with my card. They registered and trying buying car insurance along with a $40 trip to Dairy Queen, and as I said, it was turned off pretty quick.

Now the lameness of the situation, I called Pay Pal to tell them I had the information, 3 people later the women say yes we would like to have that information so go to the resolution center and submit it. Well, you can't submit it so I call them back and they tell me they are arent interested in charging the person, only getting the claim resolved. How weird is that you would think they want to shut the pipeline down for stolen credit cards, and here is a cog in that machine, but nope, maybe they will ask for it, and all they did was put a note on the file I have additional information.

So Isaiah Smith from Steven's Point WI gets to walk away from trying to use a stolen card number racking up about $1600 in bogus charges on my card. Crazy world we live in, especially considering I have not been to WI this season, I was in MI, but not Wisconson at all.

 

[mercracing]

Some time when we can get you here for a class we’ll take a short trip to Point and meet him.

 

[M8541Reaper]

I once tried to file a fraud claim after spending $40 in a Dairy Queen, so I get it.

jk That's good that you caught it quickly but not surprising that they aren't interested in charging Isaiah.

 

[BLKWLFK9]

Damn. Sounds like we are in the wrong business. I guess crime does pay. That is some bull shit

 

[ForgeValley]

My cards have been compromised 3 times in the last 3 years, to the tune of about 15k. Oddly enough 2 of the 3 times I was on vacation. I'm no fan of CC companies and the high interest rates, but the losses they must have to cover are staggering.

 

[KYAggie]

Frustrating isn't it!! They could not care less about hanging the criminals. With around 5 billion dollars of credit card fraud every year one would think it would be good to shut them down and make an example of the perps. That would require a whole bunch of new prisons. My idea would be to put them in a low security tent and razor wire prison and work the crap out of them on a "shovel ready job" for a few years. I had a card stolen a few years ago and they got away with about $8500 in electronics sent to an address. They could have set on that delivery and prosecuted, but no one was interested. But, you know they would have been interested had I sat on the delivery and eliminated the cause. This world is going down the toilet hole because there are so many criminals that are never prosecuted and the costs are passed along to us, the law abiding people.

 

[W54/XM-388]

Okay, so last week I noticed some debt charges begin to appear on my Pay Pal account from my Debit Card number, not online. Someone got my Debit card number and started to use it.

Because the Pay Pal account will email you in almost real-time when the card is used, I immediately shut it down, and basically use my Pay Pal card for this very reason. It limits my exposure, especially in sketchy spots and traveling.

Yesterday I got home from CA and in the mail, there was a copy of the insurance information the scammer tried to open with my card. They registered and trying buying car insurance along with a $40 trip to Dairy Queen, and as I said, it was turned off pretty quick.

Now the lameness of the situation, I called Pay Pal to tell them I had the information, 3 people later the women say yes we would like to have that information so go to the resolution center and submit it. Well, you can't submit it so I call them back and they tell me they are arent interested in charging the person, only getting the claim resolved. How weird is that you would think they want to shut the pipeline down for stolen credit cards, and here is a cog in that machine, but nope, maybe they will ask for it, and all they did was put a note on the file I have additional information.

So Isaiah Smith from Steven's Point WI gets to walk away from trying to use a stolen card number racking up about $1600 in bogus charges on my card. Crazy world we live in, especially considering I have not been to WI this season, I was in MI, but not Wisconson at all.

There is a reason that PayPal and the rest of the Credit Card companies don't care hardly at all.
It's because most of the time they are out no money at all and actually may make some money.
They will simply charge back whatever poor seller accepted the payment and add another $50 chargeback fee for their trouble & wash their hands of it.

Now if the credit card companies were actually responsible for the charges then they might care a bit.

It's also why credit card fraud is so common, because the only folks usually interested in perusing criminal charges are the small business that get ripped off, but they don't have the clout to get anything done.

Then the costs of all that fraud get rolled into the cost that the rest of the paying public has to pay in the way of slightly higher prices.

Considering how "connected" society is, there is no real reason we still have to be going with this backwards system of just show up and say yep, I have permission, give me that person's money. Which is how credit cards and checks and bank drafts work.

What we need to move to is a system where the money/credit holder has to initiate the transfer and without their action no money moves.
While it is not perfect, it would cut down on a lot of fraud.

 

[Cheyenne Bodie]

Same here with about three times in as many years this has happened to me, even with using PP for international purchases. I check my account online every single night. One time some cunt down in TN was buying Little Ceasars. I called the guy at Lil C's who delivered it and he said he met her, and she signed the receipt, but they couldn't release any more information on the matter. I called the local PD and they took all the details, been over a year now and I ain't heard shit.

 

[Jefe's Dope]

Many times the merchants are left on the hook. Especially with the new dispute laws that went into effect with the chipped cards.

 

[Mile High Shooting]

Damn Frank, no wonder they didn't want to charge him, he's already dead!

See

Isaiah Smith - Sunday, April 9th, 2017

Isaiah A. Smith, 35, of Wausau, WI, died early Sunday morning, April 9, 2017, as the result of a car accident. Isaiah was born January 1, 1982 in Colombia, South America. He came to the U.S. in 1985 to be united with his adoptive family, and was raised in the Junction City area. Isaiah is...

shudafuneral.com

 

[lash]

I’ve also had about 3 in the past three years. Two times it was easy to track to the culprit, but the CC company spent their time making sure that I signed affidavits so they could file the insurance claim.

 

[seansmd]

same in this F'up state you can literally walk out of a store with merch with no impact

California's Prop 47 leads to rise in shoplifting, thefts, criminal activity across state

In a lighted garage on one of San Francisco's busiest streets, a young man in baggy trousers and messy brown hair pulled down his pants. He had been hiding two pairs of stolen jeans with the tags still on them. He handed them to another man waiting nearby, took some money, pulled up his pants...

www.foxnews.com

 

[Lowlight]

The State of Camel Toe is crazy

At the airport yesterday I saw an article where a guy was handcuffed and arrested for eating a sandwich on the train platform while he was waiting for his ride. No eating in public...

The rules are nearly impossible to understand anymore, where they put their focus and where they don't

 

[Rthur]

The State of Camel Toe is crazy

At the airport yesterday I saw an article where a guy was handcuffed and arrested for eating a sandwich on the train platform while he was waiting for his ride. No eating in public...

The rules are nearly impossible to understand anymore, where they put their focus and where they don't

We have a thread about that:

https://www.snipershide.com/shooting/threads/more-ca-winning-over-sandwich.6970069/#post-8078093

R

 

[Deleted member 113831]

My card was counterfeited a few years ago. A secret service agent explained to me this way:

Some lowlife in eastern Europe somewhere hacks the server of the company that processes the transactions. The numbers go on the dark web and a clone is made. Before you know it a person in another state is using it.

I swiped my card in Seattle and the next day someone was trying to use it at a Piggly Wiggly in Waco, TX.

 

[Lowlight]

Ya,

I know, just seems silly not to go after low hanging fruit, especially when they do the cherry-picking for you.

It's so Darwin, how do you not, he signed his name to it

 

[Lapuapalooza]

Okay, so last week I noticed some debt charges begin to appear on my Pay Pal account from my Debit Card number, not online. Someone got my Debit card number and started to use it.

Because the Pay Pal account will email you in almost real-time when the card is used, I immediately shut it down, and basically use my Pay Pal card for this very reason. It limits my exposure, especially in sketchy spots and traveling.

Yesterday I got home from CA and in the mail, there was a copy of the insurance information the scammer tried to open with my card. They registered and trying buying car insurance along with a $40 trip to Dairy Queen, and as I said, it was turned off pretty quick.

Now the lameness of the situation, I called Pay Pal to tell them I had the information, 3 people later the women say yes we would like to have that information so go to the resolution center and submit it. Well, you can't submit it so I call them back and they tell me they are arent interested in charging the person, only getting the claim resolved. How weird is that you would think they want to shut the pipeline down for stolen credit cards, and here is a cog in that machine, but nope, maybe they will ask for it, and all they did was put a note on the file I have additional information.

So Isaiah Smith from Steven's Point WI gets to walk away from trying to use a stolen card number racking up about $1600 in bogus charges on my card. Crazy world we live in, especially considering I have not been to WI this season, I was in MI, but not Wisconson at all.

I’ve never been to Lebanon either, but apparently I purchased $1000 in cell phones there. Never paid a contractor $5.04 in Connecticut, but my card says I did.
That’s part of the problem. There is more money in thievery than there is in honest work. When you eliminate the threat of consequences, what’s the down side?

 

[lash]

The State of Camel Toe is crazy

At the airport yesterday I saw an article where a guy was handcuffed and arrested for eating a sandwich on the train platform while he was waiting for his ride. No eating in public...

The rules are nearly impossible to understand anymore, where they put their focus and where they don't

No eating in public? Seriously? So what about take out fast food? What about ice cream? What about when I’m flying all day, pick up a sandwich at a vendor and eat on my way to my next stop? Kinda like what this guy was doing.

That is so screwed up and beyond comprehension.

You can shoot up in the streets using free needles you can enter the state illegally and use all of the tax payer funded free services like education, medical care, etc. but god forbid you use a straw or eat a sandwich.

My brain hurts from making the mistake of trying to comprehend what logic in what dimension this could be.

 

[Crang]

My hotel room in Chicago was robbed and they got all sorts of stuff. 6 months later my credit report takes a nose dive and I find someone had opened an account just outside Chicago for cable TV and had racked up many thousands of $s in on demand movies. Called the local cops in that town and they told me they couldnt do anything as it could be anyone. Well guys, how about you go to the address where the cable is installed? I couldnt get them to do it despite I had the address from the cable company where it was all going. They could have cared less. Seems like low level identity fraud/theft is a sweet spot the law doesnt want to pursue.

 

[C_R_Slacker]

My card was counterfeited a few years ago. A secret service agent explained to me this way:

Some lowlife in eastern Europe somewhere hacks the server of the company that processes the transactions. The numbers go on the dark web and a clone is made. Before you know it a person in another state is using it.

I swiped my card in Seattle and the next day someone was trying to use it at a Piggly Wiggly in Waco, TX.

Hmm, interesting. I bought a muzzle brake off silencershop.com last night. Woke up this morning to a phone call from capital one saying they had denied a charge for $900 at a Walmart in California. I bet that's what happened to me.

 

[deersniper]

My hotel room in Chicago was robbed and they got all sorts of stuff. 6 months later my credit report takes a nose dive and I find someone had opened an account just outside Chicago for cable TV and had racked up many thousands of $s in on demand movies. Called the local cops in that town and they told me they couldnt do anything as it could be anyone. Well guys, how about you go to the address where the cable is installed? I couldnt get them to do it despite I had the address from the cable company where it was all going. They could have cared less. Seems like low level identity fraud/theft is a sweet spot the law doesnt want to pursue.

Plenty of time for speed traps and unconstitutional road block safety check points etc.

No money for them in solving property crimes.

They DGAF. You go get your money /property back from the thieves they will have plenty of time to nail you to the wall.

.gov just protects the criminals.

 

[seansmd]

the story @lowlight was referring to in the CamelToe State

https://pjmedia.com/trending/san-fr...-arrest-people-for-eating-on-a-bart-platform/

 

[Deleted member 113831]

Hmm, interesting. I bought a muzzle brake off silencershop.com last night. Woke up this morning to a phone call from capital one saying they had denied a charge for $900 at a Walmart in California. I bet that's what happened to me.

As was explained to me, it doesn't work that way. To counterfeit the card they need the info on the magnetic strip. The encryption used in most internet transactions is incredibly hard to hack. The chip cards were supposed to fix most of this.

 

[W54/XM-388]

The encryption used in most internet transactions is incredibly hard to hack.

Good luck thinking that, it doesn't really matter because usually the crooks have already hacked the payment processing system and are just mass slurping all your data and credit card information in near real time.

The chip cards were supposed to fix most of this.

The chip cards were a half baked plan that wasn't put into action properly.
They refused to make pin numbers mandatory (or even optional most of the time) with them unlike what they were designed for.
They also work fine without the chip and with the number/mag stripe as any other card.

So all it really does is mean that the chip card isn't able to be cloned as a chip card, but since you could just use it as a non chip card, it can be cloned that way and used.

 

[Steel+Killer]

I live in SC, but apparently the closest landscaper I could find was a landscaping company in TX one time.......LOL Before my bank switched to the debt cards with the chips seems like my debt card was getting hacked 2-3 times a year. The bank didn't seem interested in pursuing the criminals they were like "don't worry about it the money will be put back in your account within 24hrs.

 

[Sean the Nailer]

Like in the movie "Wanted Dead Or Alive" with Rutger Hauer, there needs to be a group/organization that actually DOES pursue and 'process' these assholes. Then and only then, would word get out that 'gee, maybe I SHOULDN'T try to rip people off...'

I'd definitely be good with that. Very good.

 

[Jscb1b]

Hang em.

 

[SilentStalkr]

Yes sir, the credit card companies write off billions to this crap every year, which imo encourages more of the same behavior. However, I also see the point in the manpower it would take to track down and prosecute all of these people. Sadly, I don’t think that there is a good resolution to this.

 

[Jscb1b]

See above!

 

[gunjunkie45]

Damn Frank, no wonder they didn't want to charge him, he's already dead!

See

Isaiah Smith - Sunday, April 9th, 2017

Isaiah A. Smith, 35, of Wausau, WI, died early Sunday morning, April 9, 2017, as the result of a car accident. Isaiah was born January 1, 1982 in Colombia, South America. He came to the U.S. in 1985 to be united with his adoptive family, and was raised in the Junction City area. Isaiah is...

shudafuneral.com

Junction City it

Damn Frank, no wonder they didn't want to charge him, he's already dead!

See

Isaiah Smith - Sunday, April 9th, 2017

Isaiah A. Smith, 35, of Wausau, WI, died early Sunday morning, April 9, 2017, as the result of a car accident. Isaiah was born January 1, 1982 in Colombia, South America. He came to the U.S. in 1985 to be united with his adoptive family, and was raised in the Junction City area. Isaiah is...

shudafuneral.com

Junction City is only a few miles from Point so I would guess someone stole the dead guy's identity. No fricken way there are two people with that name in a city of 20k.

 

[DarnYankeeUSMC]

This is just leading to the inevitable.
Just have a chip implant in your hand and the only fraud will be if someone cuts off your hand.
Yeah yeah I know. What's the difference between the card and a chip in your hand. Well we're talking about the idiots that don't use their heads for anything other than a hat rack.

 

[Cheyenne Bodie]

You can clone cards with just a swipe, same with RFID spoofing/cloning. Putting it under your skin wouldn't help anything imo.

 

[Maggot]

Ya,

I know, just seems silly not to go after low hanging fruit, especially when they do the cherry-picking for you.

It's so Darwin, how do you not, he signed his name to it

Its probably because 'Isaiah' is not from within 5000 miles of WV. More likely somewhere in russia.

 

[C_R_Slacker]

As was explained to me, it doesn't work that way. To counterfeit the card they need the info on the magnetic strip. The encryption used in most internet transactions is incredibly hard to hack. The chip cards were supposed to fix most of this.

Oh, ok. I misunderstood you then. So they hack the credit card processing companies, but it has to be from a sale where the card was swiped? Still the same principle, but not from internet sales i guess?

 

[Steel+Killer]

I think they could stop this shit if they really wanted to. One way would be to set your card up to where every purchase you make they send a text to your cell phone you either reply YES or NO to the transaction in real time, but then the next scam would be to clone your phone so maybe that wouldn't work either.

 

[Jscb1b]

How to stop it? Find the fucker and hang 'em. The next one will think twice! It's like the California or Dallas shit. These fuckers have a green light because WE wouldn't do shit!

 

[Ric O'shay]

I once purchased 150 I-Phone screen protectors, from Amazon and was nice enough to leave positive reviews of all 150.
Problem is I have a Pixel and it was not me. Amazon froze my account and it cost me nothing. But as you said Frank, they had no interest in finding the scammer. Cost of business I guess.

 

[Deleted member 113831]

Oh, ok. I misunderstood you then. So they hack the credit card processing companies, but it has to be from a sale where the card was swiped? Still the same principle, but not from internet sales i guess?

That is what I was told.

 

[LawnMM]

You could report it to the police, it's almost felony theft level.

Fraud cases usually span jurisdictions though and can be tricky to run down.

 

[2aBaC̶a̶]

Had this problem ONCE.

Heres a tip.

DONT USE YOUR DEBIT CARD for purchases. If compromised it effects your money and bank account.

Use a credit card. It's the banks money and their loss while they figure it.

 

[Datsrboi]

This is kind of like the Craigslist scam thing. They always write fake checks and when you report them to the bank the bank doesnt care. I get one a week from craigslist and Its come to a point I play along and just waste their time. Hoping that slows down their resources from scamming others.

 

[sirhrmechanic]

Had numerous incidents for the past 10 years... hotel clerks... waiters. Walmart. Overseas. Domestic. All caught by fraud folks and I don’t think I am out a cent. But it is always a pita... espnwhenyour primary card goes down overseas.

if I could ever get my hands on one of these scumbags, I swear I would make Vlad the Impaler look like mother Theresa.

maybe someday... that or we should nuke Lagos. One 2MT dial-a-yield would do two billon in improvements to that shithole!

Sorry for your hit, HMFIC.

 

[kenny1773]

Don't trust your bank either

I dislike the idea of a debt card, I don't want to use them and I won't use them
My stupid bank issued me one anyway, I left it in the file cabinet in the stupid activation letter they mailed me

GUESS WHAT???

I got a call on my phone from my bank about a month later asking me if I was in Florida buying a diamond ring with my debit card. I was in Washington DC, hadn't been to Florida in a couple years
So I was like no, not me

Then I thought for a second, what card was this? and I read them off the last 4 digits of my normal Visa card and they said no not that card, your debit card. I was like WTF??? THAT card is in my file cabinet and was NEVER activated and never used

HOW CAN SOMEONE BE USING IT??? I want to talk to a higher level person
and then the next level up from that
I could never get them to explain to me how an un-activated never used card was being used a 1000+ miles away from me

I accused them of having an internal theft problem. My visa credit card number was compromised a couple months later, same bank. They seemed to have figured it out and fixed it, but man what a crock of shit, trust no one.

 

[Jscb1b]

We wereon vacation in PA last year. I reserved a room for one night with my debt card. The manager ran the card 5 times. That put a hold on our account. We were screwed. Thank fully there was cash to back us up. Non English speaking dumbass.

 

[Skunk]

A Nigerian on Skype can conquer the world $100 at a time.

 

[pmclaine]

It would take too much effort to prosecute the criminal.

They can recover the loss and more by just raising interest rates on their honest, good, customers.

So the "good" pays for the crime of stolen Brazier Burgers.

 

[Deleted member 10043]

That could be Isaiah's Blacksmith.

 

[KYAggie]

At the airport yesterday I saw an article where a guy was handcuffed and arrested for eating a sandwich on the train platform while he was waiting for his ride. No eating in public...

Oh, come on guys......the parental government in Kali is just trying to protect its "citizens" from Ecoli and other forms of illness due to the fact its legal to pull down your pants and piss and crap allover the place not to mention leave your needles from shooting up in the street. Eating in public in the grand utopia of Kali is like eating in a fifthly outhouse; the government is just trying to protect you...........cuzzz you know, crapping in public is socially acceptable there. Eating, not so much.

I suppose the offenders attitude didn't help, but I'm like others, it makes my brain hurt trying to understand why I can defecate publicly, but I can't eat a breakfast sandwich.

 

[seansmd]

Oh, come on guys......the parental government in Kali is just trying to protect its "citizens" from Ecoli and other forms of illness due to the fact its legal to pull down your pants and piss and crap allover the place not to mention leave your needles from shooting up in the street. Eating in public in the grand utopia of Kali is like eating in a fifthly outhouse; the government is just trying to protect you...........cuzzz you know, crapping in public is socially acceptable there. Eating, not so much.

I suppose the offenders attitude didn't help, but I'm like others, it makes my brain hurt trying to understand why I can defecate publicly, but I can't eat a breakfast sandwich.

you have it all wrong, its food shaming the homeless, the fact that you can afforg to buy a breakfast sandwich just highlights your privilege even when you are a black man commiting such a heinous act.

 

[Lowlight]

Like I said,

I use the pay pal account and debit card because it limits my liability and does not affect my bank accounts.

I only keep so much in the Pay Pal Account and all activity is immediately emailed to me so I can see it. Keeps the damage to a minimum.

It's a good way to work in a fraud-based atmosphere especially since I do travel a lot, and traveling as much as I do, cash is no longer as easy as a good debit card.