Home » Public Forums » GMCnet » [GMCnet] OFF TOPIC - Credit Card Fraud
| [GMCnet] OFF TOPIC - Credit Card Fraud [message #189532] |
Wed, 07 November 2012 20:29  |
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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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G'day,
I received the email below from a Mate of mine and thought it would be something good to share.
I have two credit cards issued by United Airlines through Chase Bank and I find that one of them gets hacked about once a year.
Chase has an Alert System that will send you an email if:
1) any charge above $XX.XX (you set the amount) comes in
2) any International charge comes in (I get LOTS of those!)
3) any Online or Phone charges come in
4) any Gasoline charges come in
It works great as I don't have to check to see if anything funny is going on.
Regards,
Rob M.
SCENARIO 1:
A friend went to the local gym and placed his belongings in the locker. After the workout and a shower, he came out, saw the locker
open, and thought to himself, "Funny, I thought I locked the locker."
Hmm, 'He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place...
A few weeks later his credit card bill came - a whooping bill of $14,000!
He called the credit card company and started yelling at them, saying that he did not make the transactions.
Customer care personnel verified that there was no mistake in the system and asked if his card had been stolen. 'No,' he said, but
then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet.
The thief broke into his locker at the gym and switched cards.
Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy? $9,000! Why were there no calls made to verify the amount swiped? Small
amounts rarely trigger a 'warning bell' with some credit card companies. It just so happens that all the small amounts added up to
big one!
SCENARIO 2:
A man at a local restaurant paid for his meal with his credit card.
The bill for the meal came, he signed it and the waitress folded the receipt and passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and,
lo and behold, it was the expired card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under the watchful eye of the man.
All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier
immediately looked down and took out the real card.
No exchange of words --- nothing! She took it and came back to the man with an apology.
This actually happened to me at a local restaurant - Falls Terrace - between the waitress and the front desk cashier.
Verdict: Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time.
Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
SCENARIO 3:
Yesterday I went into a pizza restaurant to pick up an order that I had called in.
I paid by using my Visa Check Card which, of course, is linked directly to my checking Account.
The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty
standard procedure.
While he waited, he picked up his cell phone and started dialing.
I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded
like my phone sounds when I take a picture.
He then gave me back my card but kept the phone in his hand as if he was still pressing buttons.
Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on.
It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing.
He set his phone on the counter, leaving it open.
About five seconds later, I heard the chime that tells you that the picture has been saved.
Now I'm standing there struggling with the fact that this boy just took a picture of my credit card.
Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened.
Needless to say, I immediately canceled that card as I was walking out of the pizza parlor.
All I am saying is be aware of your surroundings at all times.
Whenever you are using your credit card take caution and don't be careless.
Notice who is standing near you and what they are doing when you use your card.
Be aware of phones, because many have a camera phone these days.
FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF. LET'S GET THE WORD OUT! JUST BE AWARE.
Never let your card out of your sight.....check and check again!
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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] OFF TOPIC - Credit Card Fraud [message #189551 is a reply to message #189532] |
Wed, 07 November 2012 21:31  |
Bruce Hart
Messages: 1501
Registered: October 2011
Location: La Grange, Wyoming
Karma: 5
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Senior Member |
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I recently took a trip to Montana to see my Daughter and her family. We
drove the motor home there and stayed four days. Upon our leaving and
gassing up my debit card was not accepted. I tried a second debit card
from a different bank and it too was rejected.
Called the card company and they had put a hold on my account for
suspicious activity. Same for second card. Somewhere someone had scanned
my wallet (in my back pocket) and got the numbers off of the cards. We had
to call back to card company and request a one time ATM withdrawal to get
enough cash to pay for our gas to get home 800 miles away.
Purchased online at Amazon .com 10 Identity Stronghold Security Sleeves for
the wife's and my debit cards with a couple to spare for the kids.
http://www.amazon.com/gp/product/B00886N6YA/ref=oh_details_o00_s00_i00
On Wed, Nov 7, 2012 at 7:29 PM, Rob Mueller <robmueller@iinet.net.au> wrote:
> G'day,
>
> I received the email below from a Mate of mine and thought it would be
> something good to share.
>
> I have two credit cards issued by United Airlines through Chase Bank and I
> find that one of them gets hacked about once a year.
>
> Chase has an Alert System that will send you an email if:
>
> 1) any charge above $XX.XX (you set the amount) comes in
> 2) any International charge comes in (I get LOTS of those!)
> 3) any Online or Phone charges come in
> 4) any Gasoline charges come in
>
> It works great as I don't have to check to see if anything funny is going
> on.
>
> Regards,
> Rob M.
>
> SCENARIO 1:
>
> A friend went to the local gym and placed his belongings in the locker.
> After the workout and a shower, he came out, saw the locker
> open, and thought to himself, "Funny, I thought I locked the locker."
>
> Hmm, 'He dressed and just flipped the wallet to make sure all was in
> order. Everything looked okay - all cards were in place...
>
> A few weeks later his credit card bill came - a whooping bill of $14,000!
>
> He called the credit card company and started yelling at them, saying that
> he did not make the transactions.
>
> Customer care personnel verified that there was no mistake in the system
> and asked if his card had been stolen. 'No,' he said, but
> then took out his wallet, pulled out the credit card, and yep - you
> guessed it - a switch had been made.
>
> An expired similar credit card from the same bank was in the wallet.
>
> The thief broke into his locker at the gym and switched cards.
>
> Verdict: The credit card issuer said since he did not report the card
> missing earlier, he would have to pay the amount owed to them.
>
> How much did he have to pay for items he did not buy? $9,000! Why were
> there no calls made to verify the amount swiped? Small
> amounts rarely trigger a 'warning bell' with some credit card companies.
> It just so happens that all the small amounts added up to
> big one!
>
> SCENARIO 2:
>
> A man at a local restaurant paid for his meal with his credit card.
>
> The bill for the meal came, he signed it and the waitress folded the
> receipt and passed the credit card along.
>
> Usually, he would just take it and place it in his wallet or pocket. Funny
> enough, though, he actually took a look at the card and,
> lo and behold, it was the expired card of another person.
>
> He called the waitress and she looked perplexed.
>
> She took it back, apologized, and hurried back to the counter under the
> watchful eye of the man.
>
> All the waitress did while walking to the counter was wave the wrong
> expired card to the counter cashier, and the counter cashier
> immediately looked down and took out the real card.
>
> No exchange of words --- nothing! She took it and came back to the man
> with an apology.
>
> This actually happened to me at a local restaurant - Falls Terrace -
> between the waitress and the front desk cashier.
>
> Verdict: Make sure the credit cards in your wallet are yours.
>
> Check the name on the card every time you sign for something and/or the
> card is taken away for even a short period of time.
>
> Many people just take back the credit card without even looking at it,
> 'assuming' that it has to be theirs.
>
> FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH
> TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
>
> SCENARIO 3:
>
> Yesterday I went into a pizza restaurant to pick up an order that I had
> called in.
>
> I paid by using my Visa Check Card which, of course, is linked directly to
> my checking Account.
>
> The young man behind the counter took my card, swiped it, then laid it on
> the counter as he waited for the approval, which is pretty
> standard procedure.
>
> While he waited, he picked up his cell phone and started dialing.
>
> I noticed the phone because it is the same model I have, but nothing
> seemed out of the ordinary. Then I heard a click that sounded
> like my phone sounds when I take a picture.
>
> He then gave me back my card but kept the phone in his hand as if he was
> still pressing buttons.
>
> Meanwhile, I'm thinking: I wonder what he is taking a picture of,
> oblivious to what was really going on.
>
> It then dawned on me: the only thing there was my credit card, so now I'm
> paying close attention to what he is doing.
>
> He set his phone on the counter, leaving it open.
>
> About five seconds later, I heard the chime that tells you that the
> picture has been saved.
>
> Now I'm standing there struggling with the fact that this boy just took a
> picture of my credit card.
>
> Yes, he played it off well, because had we not had the same kind of phone,
> I probably would never have known what happened.
>
> Needless to say, I immediately canceled that card as I was walking out of
> the pizza parlor.
>
> All I am saying is be aware of your surroundings at all times.
>
> Whenever you are using your credit card take caution and don't be careless.
>
> Notice who is standing near you and what they are doing when you use your
> card.
>
> Be aware of phones, because many have a camera phone these days.
>
> FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF. LET'S GET THE WORD
> OUT! JUST BE AWARE.
>
> Never let your card out of your sight.....check and check again!
>
>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
--
Bruce Hart
1976 Palm Beach
Milliken, Co
GMC=Got More Class
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Bruce Hart
1976 Palm Beach
1977 28' Kingsley
La Grange, Wyoming
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| Re: [GMCnet] OFF TOPIC - Credit Card Fraud [message #189559 is a reply to message #189551] |
Wed, 07 November 2012 21:57 |
Ken Henderson
Messages: 8726
Registered: March 2004
Location: Americus, GA
Karma: 9
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Senior Member |
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Time for everyone to start refusing to accept credit cards with RFID chips.
I have. I checked with USAA a year or so ago; they said they don't use
them. I had it entered in my file there that I'll refuse to accept one
with that security hazard. I'm not about to try to protect against
something that shouldn't exist.
That said, a few months ago someone DID get my number some other way. USAA
called to ask whether I'd just charged $2000+ and $1800+, at a Walmart in
OH, and was trying to charge another $2200 at the same store. "NO! I'm at
home in GA!"
They cancelled that card, assured me that WALMART, not they, were out the
$3800+, and sent me a new card the next day.
Ken H.
On Wed, Nov 7, 2012 at 10:31 PM, Bruce Hart wrote:
> ... Somewhere someone had scanned
> my wallet (in my back pocket) and got the numbers off of the cards.
...
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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] OFF TOPIC - Credit Card Fraud [message #189560 is a reply to message #189559] |
Wed, 07 November 2012 22:07 |
Dolph Santorine
Messages: 1236
Registered: April 2011
Location: Wheeling, WV
Karma: -41
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Senior Member |
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I have a stainless steel card holder. It's woven, and fairly soft.
With the cards in it, it does not work, even at point blank range.
That being said, between my PAN (Personal Area Network... a.k.a. BlueTooth), Speedpass, EzPass, credit card, and now the nearfield "wallet" that is part of the iPhone 5, I'm probably a walking security breach waiting to happen.
So far, the worst problems I've had are ordering things on the Internet.
Dolph
On Nov 7, 2012, at 10:57 PM, Ken Henderson wrote:
> Time for everyone to start refusing to accept credit cards with RFID chips.
> I have. I checked with USAA a year or so ago; they said they don't use
> them. I had it entered in my file there that I'll refuse to accept one
> with that security hazard. I'm not about to try to protect against
> something that shouldn't exist.
>
> That said, a few months ago someone DID get my number some other way. USAA
> called to ask whether I'd just charged $2000+ and $1800+, at a Walmart in
> OH, and was trying to charge another $2200 at the same store. "NO! I'm at
> home in GA!"
>
> They cancelled that card, assured me that WALMART, not they, were out the
> $3800+, and sent me a new card the next day.
>
> Ken H.
>
>
> On Wed, Nov 7, 2012 at 10:31 PM, Bruce Hart wrote:
>
>> ... Somewhere someone had scanned
>> my wallet (in my back pocket) and got the numbers off of the cards.
>
> ...
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
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| Re: [GMCnet] OFF TOPIC - Credit Card Fraud [message #189568 is a reply to message #189559] |
Wed, 07 November 2012 23:40 |
|
USAussie
Messages: 15912
Registered: July 2007
Location: Sydney, Australia
Karma: 6
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Senior Member |
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Ken,
The Visa and Master Card I have do not have the RFID chips in them and I agree with you!
Several years ago someone purchased $500 worth of Cricket equipment with one of my credit cards from an On Line store that had a
physical store as well here in Sydney. Somehow they got a hold of my phone number and called me to check on some detail. When they
asked me if I had purchased the equipment, I told them to listen to my accent, did I SOUND like a Cricket player! They laughed and
said they would not honor the sale. I called the CC company and they issued me a new card.
Regards,
Rob M.
-----Original Message-----
From: gmclist-bounces@temp.gmcnet.org [mailto:gmclist-bounces@temp.gmcnet.org] On Behalf Of Ken Henderson
Sent: Thursday, November 08, 2012 2:57 PM
To: gmclist
Subject: Re: [GMCnet] OFF TOPIC - Credit Card Fraud
Time for everyone to start refusing to accept credit cards with RFID chips.
I have. I checked with USAA a year or so ago; they said they don't use
them. I had it entered in my file there that I'll refuse to accept one
with that security hazard. I'm not about to try to protect against
something that shouldn't exist.
That said, a few months ago someone DID get my number some other way. USAA
called to ask whether I'd just charged $2000+ and $1800+, at a Walmart in
OH, and was trying to charge another $2200 at the same store. "NO! I'm at
home in GA!"
They cancelled that card, assured me that WALMART, not they, were out the
$3800+, and sent me a new card the next day.
Ken H.
On Wed, Nov 7, 2012 at 10:31 PM, Bruce Hart wrote:
> ... Somewhere someone had scanned
> my wallet (in my back pocket) and got the numbers off of the cards.
...
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
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_______________________________________________
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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] OFF TOPIC - Credit Card Fraud [message #189582 is a reply to message #189559] |
Thu, 08 November 2012 06:41 |
jhbridges
Messages: 8412
Registered: May 2011
Location: Braselton ga
Karma: -74
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Senior Member |
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I got RFID chips in the dogs. Don't need any more... although my building and parkinglot passcards do have them. I use an AT&T MasterCard, my account is flagged. They will not honor a charge out of state unless I have called them and told them what my trip plans are. Consequently, they called me whan some charges appeared in southern California. Alls I had to do was take a list of charges they sent me and note the fraudulent ones. The breach was chased back to a local restaurant.
--johnny
'76 23' transmode norris
'76 palm beach
From: Ken Henderson <hend4800@bellsouth.net>
To: gmclist <gmclist@temp.gmcnet.org>
Sent: Wednesday, November 7, 2012 10:57 PM
Subject: Re: [GMCnet] OFF TOPIC - Credit Card Fraud
Time for everyone to start refusing to accept credit cards with RFID chips.
I have. I checked with USAA a year or so ago; they said they don't use
them. I had it entered in my file there that I'll refuse to accept one
with that security hazard. I'm not about to try to protect against
something that shouldn't exist.
That said, a few months ago someone DID get my number some other way. USAA
called to ask whether I'd just charged $2000+ and $1800+, at a Walmart in
OH, and was trying to charge another $2200 at the same store. "NO! I'm at
home in GA!"
They cancelled that card, assured me that WALMART, not they, were out the
$3800+, and sent me a new card the next day.
Ken H.
On Wed, Nov 7, 2012 at 10:31 PM, Bruce Hart wrote:
> ... Somewhere someone had scanned
> my wallet (in my back pocket) and got the numbers off of the cards.
...
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Unsubscribe or Change List Options:
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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: [GMCnet] OFF TOPIC - Credit Card Fraud [message #189587 is a reply to message #189582] |
Thu, 08 November 2012 07:29 |
tphipps
Messages: 3005
Registered: August 2004
Location: Spanish Fort, AL
Karma: 9
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Senior Member |
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Using a credit card or a debit card, you are a target for thieves. Big push for RFID in everything. Massive breach point for personal security. Amazes me to see people using cards in McD's to purchase small amounts of food. Have they not heard of cash? No "free" airlines miles are worth the pain of dealing with bad charges
End of Old Person Rant.
Tom, MS II
2012 Phoenix Cruiser model 2552
KA4CSG
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| Re: [GMCnet] OFF TOPIC - Credit Card Fraud [message #189737 is a reply to message #189587] |
Fri, 09 November 2012 14:14 |
Ray Erspamer
Messages: 1707
Registered: May 2007
Location: Milwaukee Wisconsin
Karma: -3
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Senior Member |
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I hear ya, my standard use CC security was breached twice in the last year, both
times the CC company caught it, one was for a new account opened at a Walmart in
Arkansas, it had $12,000 charged to it. The second was for a apparent $2.35
"test charge" made by Kuwait Airlines, if that had gone through a whopper charge
usually follows.
Scary stuff !
Ray
Ray & Lisa
78 Royale "Great Lakes Eagle"
Center Kitchen TZE368V101144
Wauwatosa, Wisconsin 53226
Email: 78GMC-Royale@att.net
414-745-3188
Web Site: http://ray-lisa.page.tl/
________________________________
From: Thomas Phipps <tph1pp5@yahoo.com>
To: gmclist@temp.gmcnet.org
Sent: Thu, November 8, 2012 7:29:20 AM
Subject: Re: [GMCnet] OFF TOPIC - Credit Card Fraud
Using a credit card or a debit card, you are a target for thieves. Big push
for RFID in everything. Massive breach point for personal security. Amazes me
to see people using cards in McD's to purchase small amounts of food. Have they
not heard of cash? No "free" airlines miles are worth the pain of dealing with
bad charges
End of Old Person Rant.
Tom, MS II
--
1975 GMC Avion, under forever re-construction
Vicksburg, MS. 3.7 miles from I-20
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Ray Erspamer
78 GMC Royale Center Kitchen
403, 3.70 Final Drive
Holley Sniper Quadrajet EFI System,
Holley Hyperspark Ignition System
414-484-9431
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