Home » Public Forums » GMCnet » Dang Thief
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| Re: [GMCnet] Dang Thief [message #131566 is a reply to message #131564] |
Wed, 22 June 2011 23:40   |
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An ethnic restaurant here in Louisville was known for that.
My wife is the treasurer of a professional group. They gave a number to a
hotel as surety for a convention. Days later the card had charges from
Macy's. Quick action on Martha's part and a hotel clerk was out of a job and
all charges reverse on the card. Macy's also got their goods returned.
--
Byron Songer
1978 GMC Royale
Louisville, KY
http://www.gmceast.com
http://web.me.com/bnsonger
Armand Minnie wrote:
>
>
> Some friends just had that happen and they are suspecting a local restaurant.
> Comparing notes with others in their neighborhood who have had the same
> problem recently. Trying to see if they ate at the same restaurants.
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Byron Songer
Full-timing to enjoy the USA
Former owner but still an admirer
GMC paint schemes at -
http://www.songerconsulting.net
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| Re: Dang Thief [message #131574 is a reply to message #131562] |
Thu, 23 June 2011 01:49 |
Ken Burton
Messages: 10030
Registered: January 2004
Location: Hebron, Indiana
Karma: 10
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I had to have a credit card reissued earlier this year. The interesting part is my credit card company caught it on the second bogus purchase. Where they got my number is unknown to me but I assume it was local since it was used local to me. The user cut a new card and used it to fill up at a local Pilot. Then he waited one month and filled up at the same Pilot a second time at 6:30 AM. By 10:00AM that day the credit card company was calling here and had it shut off. They asked if I made the purchases and of course I said no so they sent me a new card overnight. I asked how they caught it and was told that I never buy gasoline that early in the morning and I never buy gas from Pilot. Interestingly the Pilot is across the street from the airport where I am 3 or 4 days a week. These credit companies have some pretty interesting Algorithms in detecting fraud. I now telephone them when I am going on the on the road. I tell them the duration of the trip and the states I will be in. I also tell them what types of purchases to expect. This way I do not get caught in their fraud detection and have my card refused.
I use Paypal all the time on line. I have never had a problem with them.
Ken Burton - N9KB
76 Palm Beach
Hebron, Indiana
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| Re: [GMCnet] Dang Thief [message #131589 is a reply to message #131562] |
Thu, 23 June 2011 06:53 |
jhbridges
Messages: 8412
Registered: May 2011
Location: Braselton ga
Karma: -74
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I do most of my banking on-line. Suntrust hasn't (yet) gotten breached. If/when they do, I'll reconsider.
I've a deal with the credit card company - and like you I do everything with it and then pay at month's end - if I go out of the area, I call them and tell them roughly where I'm going and what days I'll be there; and whether or not Paula is with me. They flag the account, and anythng which isn't in keeping with that information gets a 'call the 800 number' on the swipe machine. If I forget, I call them and give them my secrect information and they authorize the charge. Once or twice I've gotten a new card and a notice "Someone tried to buy whatever in Timbuktu and couldn't come up with the information'". They called me when I was driving the coach back from Sarasota and I told them it really WAS me buying 40 gallons of gas on one pump and 18 on the other at the same time. I figure they're about as conscientuous as any of the card aompanies.
--johnny
--- On Thu, 6/23/11, Dan Gregg <gregg_dan@hotmail.com> wrote:
From: Dan Gregg <gregg_dan@hotmail.com>
Subject: [GMCnet] Dang Thief
To: gmclist@temp.gmcnet.org
Date: Thursday, June 23, 2011, 3:51 AM
I am pretty tolerant of a wide range of behavior. I saw it all before I retired. One thing I hate is a lying thief. If one will lie he will steal and visa versa. I use a credit card to pay bills and then pay it off each month. Some merchant, that has my number, has a thief working for them. Periodically I go through internet purchases and remove merchant's authority to use my card. Can't get them all but I rarely give out my cc # online anyway. I suspect some local merchant. Card company called about Craig's List purchases in DC and Benton, Ky. Now I am inconvienced til I get my second new card this year. Just torques my jaws and I had to tell someone who cares. :x First thing I checked was my bank accounts to make sure someone did not have contol of my laptop. I use Paypal and it might be they have a thief. I know many of you also use Paypal so I wanted to alert you to look closely at your charges of late.
Dan
--
Dan & Teri Gregg
Soft White LED Lighting
http://danandteri.blogspot.com/
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Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons.
Braselton, Ga.
I forgive them all, save those who hurt the dogs. They must answer to me in hell
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| Re: Dang Thief [message #131590 is a reply to message #131562] |
Thu, 23 June 2011 06:56 |
Andrew
Messages: 213
Registered: April 2011
Location: Connecticut
Karma: 0
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I used to work on the algorithms for fraud detection for a big credit card issuer. One of the fun things about it was that you could have a lot of confidence in the strength of the changes you made, since we had a huge corpus of "known-good" transaction data, and a very very large corpus of "known-fraudulent" data. So every tweak we made would get cooked against both sets of data to see if it helped, harmed, or made no difference.
That was years ago. Nowadays, my card issuer (Wells Fargo) is wired to email or SMS me whenever a transaction goes through. They still do their fraud detection behind the scenes (and like Ken said, it's still a good idea to call ahead for a trip so as not to trip up the system...unusual location of in-person card use is the strongest single indicator of fraud), but I also know that I'll get a message soon after every use, so I can keep track in almost-real time on my own.
Whenever I think about how much I appreciate that feature, I have to remind myself that they didn't do it for my peace of mind. My liability is limited to $50 regardless, and almost always waived entirely to keep me as a customer. They do it so that I will help them limit their own losses in case of fraud. Theoretically that translates to lower costs to customers, but let's be honest...the biggest thieves aren't stealing credit cards, they're issuing them. That's one of the reasons I quit the financial industry. The algorithms were fun though.
1973 Sequoia 260 (since 2011)
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| Re: Dang Thief [message #131597 is a reply to message #131562] |
Thu, 23 June 2011 07:17 |
AStasunas
Messages: 58
Registered: April 2009
Location: Winter Springs, Fl
Karma: 0
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This is a timely thread as I wait for my second replacement debit card in about 4 months. After a misuse of my card about 4 months ago I signed up for Identity Theft protection through my bank. Sunday I received a call from them asking about a $389 charge in California. They thought the transaction suspicious and placed a hold on the card and someone tried to use it several times after.
Monday I went to my bank and talked withe the branch manager who said the transaction was still pending and maybe reversed so I needed to wait a day or so. He went on to say that last week they had a rash of card theft. He said the local police were involved and believed that was coming from gas stations. Employees place "skimmers" inside the pump which collect card info for each transaction and either use the info themselves or sell it, hence a transaction in a far off place like California.
The next day I saw that the fraudulent transaction was reversed and no further action or waiting for my $ was required.
Bottom line: An Identity theft Protection program is worth the small monthly fee and no more card at the pump for me, cash at the counter!!
Regards,
Tony
"Vinnie"
1975 Eleganza,
Winter Springs, Fl
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| Re: [GMCnet] Dang Thief [message #131598 is a reply to message #131562] |
Thu, 23 June 2011 07:14 |
Steven Ferguson
Messages: 3447
Registered: May 2006
Karma: 0
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Senior Member |
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I hear you on this Dan. I just got my new debit card. Someone in Paris
tried to buy a plasma TV ($3,900.00) on my old debit card. Visa declined
the sale, fortunately.
I had a crooked waiter in a San Diego restaurant run my card through twice
on one meal. The charge showed up and I went back to the restaurant and
raised hell, might've helped that I was a Marshal at the time. They paid me
back in full plus the interest and fired the waiter.
PITA to change Debit card numbers on all the sites I deal with, but still,
it is the best way to purchase stuff on line.
On Wed, Jun 22, 2011 at 8:51 PM, Dan Gregg <gregg_dan@hotmail.com> wrote:
>
>
> I am pretty tolerant of a wide range of behavior. I saw it all before I
> retired. One thing I hate is a lying thief. If one will lie he will steal
> and visa versa. I use a credit card to pay bills and then pay it off each
> month. Some merchant, that has my number, has a thief working for them.
> Periodically I go through internet purchases and remove merchant's authority
> to use my card. Can't get them all but I rarely give out my cc # online
> anyway. I suspect some local merchant. Card company called about Craig's
> List purchases in DC and Benton, Ky. Now I am inconvienced til I get my
> second new card this year. Just torques my jaws and I had to tell someone
> who cares. :x First thing I checked was my bank accounts to make sure
> someone did not have contol of my laptop. I use Paypal and it might be they
> have a thief. I know many of you also use Paypal so I wanted to alert you to
> look closely at your charges of late.
> Dan
> --
> Dan & Teri Gregg
> Soft White LED Lighting
>
> http://danandteri.blogspot.com/
>
>
>
>
> _______________________________________________
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>
--
Steve Ferguson
Sierra Vista, AZ
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| Re: [GMCnet] Dang Thief [message #131606 is a reply to message #131598] |
Thu, 23 June 2011 07:35 |
Ken Henderson
Messages: 8726
Registered: March 2004
Location: Americus, GA
Karma: 9
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Senior Member |
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Steve,
Please explain why you use a Debit Card rather than a Credit Card.
IMHO, the DC offers none of the protections ($50 fraud limit, for
example) that the CC has. No to mention getting to use your money for
30 days.
Ken H.
On Thu, Jun 23, 2011 at 8:14 AM, Steven Ferguson <botiemad11@gmail.com> wrote:
> I hear you on this Dan. I just got my new debit card...
> PITA to change Debit card numbers on all the sites I deal with, but still,
> it is the best way to purchase stuff on line.
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Ken Henderson
Americus, GA
www.gmcwipersetc.com
Large Wiring Diagrams
76 X-Birchaven
76 X-Palm Beach
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| Re: [GMCnet] Dang Thief [message #131616 is a reply to message #131606] |
Thu, 23 June 2011 07:58 |
k2gkk
Messages: 4452
Registered: November 2009
Karma: -8
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Senior Member |
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My thoughts, exactly, Ken!
Actually, I mostly use PayPal if that method is offered.
You can choose between payment from one (or more) of your
bank/credit union accounts or any of several credit cards.
When I buy from what appears to be a non-commercial seller
I will pay through transfer to PayPal from my bank account.
I usually use my credit card through PayPal for commercial
sellers. In NO case, does the seller have access to my
bank account or credit card information.
I believe it you are using PayPal, you can transfer payment
to the "seller" without his/her incurring charges if you
choose "gift" as the reason for the transfer.
~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~
~~ ~ D C "Mac" Macdonald ~ ~~
~ ~ Amateur Radio - K2GKK ~ ~
~ ~ USAF and FAA, Retired ~ ~
~ ~ ~ Oklahoma City, OK ~ ~ ~
~~ ~ ~ "The Money Pit" ~ ~ ~~
~~ ~ ~ (TZE166V101966) ~ ~ ~~
~ ~ ~ ex-Palm Beach, 76 ~ ~ ~
~ www.gmcmhphotos.com/okclb ~
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----------------------------------------
> From: hend4800@bellsouth.net
> Date: Thu, 23 Jun 2011 08:35:22 -0400
> To: gmclist@temp.gmcnet.org
> Subject: Re: [GMCnet] Dang Thief
>
> Steve,
>
> Please explain why you use a Debit Card rather than a Credit Card.
> IMHO, the DC offers none of the protections ($50 fraud limit, for
> example) that the CC has. No to mention getting to use your money for
> 30 days.
>
> Ken H.
>
>
> On Thu, Jun 23, 2011 at 8:14 AM, Steven Ferguson <botiemad11@gmail.com> wrote:
> > I hear you on this Dan. I just got my new debit card...
> > PITA to change Debit card numbers on all the sites I deal with, but still,
> > it is the best way to purchase stuff on line.
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
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| Re: [GMCnet] Dang Thief [message #131620 is a reply to message #131590] |
Thu, 23 June 2011 08:13 |
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Because of their good history, I use my Americans Depressed credit card
about 90% of the time. I've spoken on the phone with them a couple of times
in order to keep transactions legit.
--
Byron Songer
1978 GMC Royale
Louisville, KY
http://www.gmceast.com
http://web.me.com/bnsonger
Andrew wrote:
> Whenever I think about how much I appreciate that feature, I have to remind
> myself that they didn't do it for my peace of mind. My liability is limited to
> $50 regardless, and almost always waived entirely to keep me as a customer.
> They do it so that I will help them limit their own losses in case of fraud.
> Theoretically that translates to lower costs to customers, but let's be
> honest...the biggest thieves aren't stealing credit cards, they're issuing
> them. That's one of the reasons I quit the financial industry. The algorithms
> were fun though.
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
--
Byron Songer
Full-timing to enjoy the USA
Former owner but still an admirer
GMC paint schemes at -
http://www.songerconsulting.net
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| Re: [GMCnet] Dang Thief [message #131621 is a reply to message #131597] |
Thu, 23 June 2011 08:16 |
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Another practice I've developed is to step out of the vehicle with only the
credit card I plan to use at the pump. Information is too easily picked up
around pumps.
--
Byron Songer
1978 GMC Royale
Louisville, KY
http://www.gmceast.com
http://web.me.com/bnsonger
Anthony Stasunas wrote:
> Monday I went to my bank and talked withe the branch manager who said the
> transaction was still pending and maybe reversed so I needed to wait a day or
> so. He went on to say that last week they had a rash of card theft. He said
> the local police were involved and believed that was coming from gas stations.
> Employees place "skimmers" inside the pump which collect card info for each
> transaction and either use the info themselves or sell it, hence a transaction
> in a far off place like California.
_______________________________________________
GMCnet mailing list
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--
Byron Songer
Full-timing to enjoy the USA
Former owner but still an admirer
GMC paint schemes at -
http://www.songerconsulting.net
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| Re: [GMCnet] Dang Thief [message #131623 is a reply to message #131620] |
Thu, 23 June 2011 08:33 |
Ken Burton
Messages: 10030
Registered: January 2004
Location: Hebron, Indiana
Karma: 10
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Senior Member |
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| Byron Songer wrote on Thu, 23 June 2011 08:13 |
Because of their good history, I use my Americans Depressed credit card
about 90% of the time. I've spoken on the phone with them a couple of times
in order to keep transactions legit.
Byron Songer
1978 GMC Royale
Louisville, KY
http://www.gmceast.com
http://web.me.com/bnsonger
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I used American Express for many, many years. I would call them and tell them when I was going to be out of the country. In one case I called and said I would be in France and also running around Europe for the next 4 months. I asked how do you want me to pay the bill since I will not be at home to see it? They said "we noted your account and you can pay it when you return". There was no late or interest charges.
They were great until one day I flew into Raleigh and went to rent a car from Hertz. AMEX refused my card. I ended up calling them and they said my card was lost or stolen. I would receive a new one at my business address. I told them I had the card and it was not stolen. I also told them I was not going to be home for 3 weeks and needed the use of the existing card now and for the next 3 weeks. I'm was going to Charlottte, Atlanta, and Dallas before I returned home. They finally gave in and approved my car rental only. Later that day I checked into a hotel and had to go through that whole mess again. I had to do that every time I wanted to use the card for the next 3 weeks. It was a real mess.
Ken Burton - N9KB
76 Palm Beach
Hebron, Indiana
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| Re: [GMCnet] Dang Thief [message #131625 is a reply to message #131562] |
Thu, 23 June 2011 08:30 |
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USAussie
Messages: 15912
Registered: July 2007
Location: Sydney, Australia
Karma: 6
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Senior Member |
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Dan,
This has happened to me twice in the past several years.
The first time I purchased petrol in a station I had never used before. The
next day I got a call from a local sporting goods shop asking me to confirm
the purchase of $500 worth of Cricket equipment from his website, I asked
him "you notice my accent? Does it sound like I would buy $500 worth or
Cricket equipment!" He laughed and noted he was suspicious because the
address on my card was in the USA.
Last year when Helen and I were in the USA I checked my Visa card and noted
a charge for airline tickets. I called Chase Bank Master Card and noted that
I was touring the USA in my GMC and that I hadn't bought any airline
tickets. The agent so you didn't buy and tickets over the Internet to fly
from Singapore to Kuala Lumpur? Nope, I'm in South Carolina in the USA! OK
we'll take it off your card. Three days later when I followed up I saw the
charges were still there so I called in again. This time I was told that the
charge was verified by Master Card because I had provided my special
password. I told the Chase Bank agent that I didn't have a special password
on my Master Card! He then asked so you didn't make those charges? Nope!
Well how about the ones made yesterday to fly from Kuala Lumpur to Saigon?
Nope! OK, we'll have to cancel the card and issue you another one!
Regards,
Rob M.
USAussie - Downunder
AUS '75 Avion - The Blue Streak TZE365V100428
USA '75 Avion - Double Trouble TZE365V100426
-----Original Message-----
From: gmclist-bounces@temp.gmcnet.org
[mailto:gmclist-bounces@temp.gmcnet.org] On Behalf Of Dan Gregg
Sent: Thursday, June 23, 2011 1:51 PM
To: gmclist@temp.gmcnet.org
Subject: [GMCnet] Dang Thief
I am pretty tolerant of a wide range of behavior. I saw it all before I
retired. One thing I hate is a lying thief. If one will lie he will steal
and visa versa. I use a credit card to pay bills and then pay it off each
month. Some merchant, that has my number, has a thief working for them.
Periodically I go through internet purchases and remove merchant's authority
to use my card. Can't get them all but I rarely give out my cc # online
anyway. I suspect some local merchant. Card company called about Craig's
List purchases in DC and Benton, Ky. Now I am inconvienced til I get my
second new card this year. Just torques my jaws and I had to tell someone
who cares. :x First thing I checked was my bank accounts to make sure
someone did not have contol of my laptop. I use Paypal and it might be they
have a thief. I know many of you also use Paypal so I wanted to alert you to
look closely at your charges of late.
Dan
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
Regards,
Rob M. (USAussie)
The Pedantic Mechanic
Sydney, Australia
'75 Avion - AUS - The Blue Streak TZE365V100428
'75 Avion - USA - Double Trouble TZE365V100426
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| Re: [GMCnet] Dang Thief [message #131627 is a reply to message #131590] |
Thu, 23 June 2011 08:36 |
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USAussie
Messages: 15912
Registered: July 2007
Location: Sydney, Australia
Karma: 6
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Senior Member |
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Andrew,
When I moved my 78 year old Mom down to Australia I found she had run up
credit card debit of over $27,000.
Her only source of income was Social Security $650 a month and a reverse
mortgage of $775 a month.
One by one I called each credit card company and shut down the accounts and
paid them off.
One of the cards charged 27% interest!
Regards,
Rob M.
USAussie - Downunder
AUS '75 Avion - The Blue Streak TZE365V100428
USA '75 Avion - Double Trouble TZE365V100426
-----Original Message-----
From: gmclist-bounces@temp.gmcnet.org
[mailto:gmclist-bounces@temp.gmcnet.org] On Behalf Of Andrew
Sent: Thursday, June 23, 2011 9:57 PM
To: gmclist@temp.gmcnet.org
Subject: Re: [GMCnet] Dang Thief
the biggest thieves aren't stealing credit cards, they're issuing them.
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Regards,
Rob M. (USAussie)
The Pedantic Mechanic
Sydney, Australia
'75 Avion - AUS - The Blue Streak TZE365V100428
'75 Avion - USA - Double Trouble TZE365V100426
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| Re: [GMCnet] Dang Thief [message #131630 is a reply to message #131625] |
Thu, 23 June 2011 08:47 |
tphipps
Messages: 3005
Registered: August 2004
Location: Spanish Fort, AL
Karma: 9
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Senior Member |
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Looking at my bill, after our 3200 mile round trip to Texas to get MS II, I noticed several gas stops, added, as an additional charge item, a $1 separate charge. No receipt was passed to me, as the customer. Without looking close at charges on the bill, one might never notice the $1. Protesting to USAA removed the $1 charge and they charged it back to the merchant. Sneaky way to pad the bill, and I suspect fraudulent and against their merchant agreement.
P.S. Also, one of the companies I used to get a part for the coach also added a separate bill for $1. Protesting that one also.
Tom Phipps,
MS II
2012 Phoenix Cruiser model 2552
KA4CSG
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| Re: [GMCnet] Dang Thief [message #131643 is a reply to message #131630] |
Thu, 23 June 2011 09:36 |
Mitch
Messages: 272
Registered: May 2009
Location: Tacoma, Wa
Karma: 0
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Senior Member |
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P.S. Also, one of the companies I used to get a part for the coach also added a separate bill for $1. Protesting that one also.
Tom Phipps,
You may want to look at your CC company for that. My Chase Visa suddenly has had $1 pop up, they call it a 'minimum interest charge'.
That's what comes from not carrying a balance owed.
Mitch
Tacoma, Wa.
'80 Spitfire
'03 Windstar
'77 Jaguar XJ6-C
X(very)'76 PB 26 "The Beast"
Where it rains, always.
It's wet, No sun, Gray.
Go to Oregon.
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First thing I checked was my bank accounts to make sure someone did not have contol of my laptop. I use Paypal and it might be they have a thief. I know many of you also use Paypal so I wanted to alert you to look closely at your charges of late.
