No offense taken JD. I was simply speaking from a broad spectrum point of view.
Card Fraud
- Thread starter Judge Dredd
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Thank you for doing that. I'm surprised your post didn't get more notice at the time. I hope this project of reporting CC fraud develops into an on-going tool because as it is now, I think it does pose a risk to the ecig industry. One thing in your article that I can relate to is the fact that some well-intentioned vendors have blown off my concerns about some choices they've made in payment processing - rather than be prepared with an alternate form of payment possible. I haven't done the research you have, but one payment processing gateway seems to pop up over and over, so I prefer to avoid them. The reaction I've gotten from otherwise very nice vendors has been defensive, actually telling me it's none of my business. Ditto. I don't shop there.
I'm a midnight shopper and I've been buying online for many years (decades?), participated in forums like Fat Wallet and Slick Deals and I have never come across so many fraud reports that have accumluated at ECF. Your results were over 25% fraud. That's alarming and validating that these complaints are real.
Vendors should be all over this, not just consumers. I mean, it's pretty ridiculous that I feel the need to know all the payment processing details in order to feel safe shopping at their website. That bugs me. After all, one of the first rules of business is to make it easy to buy (the Fast Tech way).
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If the credit card vendors have a way to track the progression of an online data theft, it would be interesting. I would hope that they do it just to eliminate possible sources of fraud and to work with the secure transaction services to help them harden the process.
Has anyone been advised as to how the train of CC theft occurred in their particular case?
Has anyone been advised as to how the train of CC theft occurred in their particular case?
They have measures in place Dave, as in entire teams of folks but they only use those resources full speed when major fraud or laundering is suspected. Back in the day when I would gamble offshore, I became initimately familiar with everything from systematic datamining to forensic accounting through lines of credit with banks, bank accounts with debit cards, and wire services (western union, paypal-like online services) and I'm pretty sure if every vaper in us gets hacked, wall street won't blink an eye, let alone the CIO of say, your Discover card.
RHP
RHP
I was impressed with the speed and effectiveness in which my card fraud was detected, blocked, and communicated to me. Without that kind of electronic surveillance, we'd all be cash customers pretty soon just from the lack of confidence in the issuer's security capability and the online retail world would die a quick death.
I got taken for $200 on my card. My wife caught it and the bank cancelled my card and refunded my money. sucks.
Interesting.
I too incurred CC fraud after placing an order from a reputable online Vape store. I checked them out on this forum, and all I could find were glowing reviews.
I contacted them to alert them of the timing of the occurance related to my order with them.
They quickly responded letting me know about all the protective measures they employ.
Shrugs.
My bank offers good protection for CC fraud and will be crediting my account what was stolen, and all the fees that occurred because of it.
The bank told me it would be unlikely they would be able to trace where/whom was responsible for the fraud.
I too incurred CC fraud after placing an order from a reputable online Vape store. I checked them out on this forum, and all I could find were glowing reviews.
I contacted them to alert them of the timing of the occurance related to my order with them.
They quickly responded letting me know about all the protective measures they employ.
Shrugs.
My bank offers good protection for CC fraud and will be crediting my account what was stolen, and all the fees that occurred because of it.
The bank told me it would be unlikely they would be able to trace where/whom was responsible for the fraud.
There are somewhere in the range of 10,000 credit card transactions per second going on in the US. It's no small wonder that some are hit by crooks. It's a wide open market for fraud. Vaping supply buyers are just part of the stream and aren't targeted because of what we buy. The critical factor is whether any vapor vendor uses a proven and secure method of protecting the buyer. Sufficient security is all they can do on their part.
It would be nice if the CC companies offered Smart Cards. I have a smart card with my PayPal account. I can't make a transaction unless I enter a 6 digit number from the card.
My cc got hacked 3 times in 3 months and I only used I believe 4 different ecig vendors.
They were all caught by my banks cc fraud dept. as small transactions at hotels/ motels around the country.
From what they explained to me, the perpetrators do a small cc amount to see if the number is legit,and if it goes through they do the big purchases.
I won't say who I think it is since I used 4 vendors, so hard to pin it down. I do have my suspicions , but a public forum is not the place to throw out suspicion.
I will say that since I started using pp through the vendor I suspected I have had no more fraud."knock on wood"
But I started using pp with 2 vendors not just the one, hence I cannot reveal my suspect.
I will fill out dredds sheet and if he wants to communicate via pm I will share my info.
After 3 strikes my bank did not give me another card and I have changed banks since then.
They were all caught by my banks cc fraud dept. as small transactions at hotels/ motels around the country.
From what they explained to me, the perpetrators do a small cc amount to see if the number is legit,and if it goes through they do the big purchases.
I won't say who I think it is since I used 4 vendors, so hard to pin it down. I do have my suspicions , but a public forum is not the place to throw out suspicion.
I will say that since I started using pp through the vendor I suspected I have had no more fraud."knock on wood"
But I started using pp with 2 vendors not just the one, hence I cannot reveal my suspect.
I will fill out dredds sheet and if he wants to communicate via pm I will share my info.
After 3 strikes my bank did not give me another card and I have changed banks since then.
It is the principle of it. Why continue to buy from someone you suspect of fraud, or of having very weak to no security on their site or through their CC processing?
The product I get from them I need.
And like I said I suspect but cannot prove.
I started using pp as often as I can and it has been smooth sailing since then.
And like I said I suspect but cannot prove.
I started using pp as often as I can and it has been smooth sailing since then.
I was hit on Saturday for $1800.00. I have been purchasing online heavily for 14 years and it wasn't until I started vaping did I get hit with fraudulent charges. This is the third time in 3 years and the most taken
I called my bank (Compass) and they could tell it was fraud right away yet they let it go through I told them to go ahead and cancel the account, I am going to find a bank that is proactive. It is going to take 3-10 days before I get my money back which is going to cause a bit of a hardship but it is what it is.
I called my bank (Compass) and they could tell it was fraud right away yet they let it go through I told them to go ahead and cancel the account, I am going to find a bank that is proactive. It is going to take 3-10 days before I get my money back which is going to cause a bit of a hardship but it is what it is.
I got a US Bank pre-paid debit card for all my online purchases. It costs me $3 a month to maintain the account and I can add money at any US Bank branch free of charge. US Bank is my primary bank for checking. Wells Fargo has a similar pre-paid card and I think CITI does too. I would use these over Walmart Money Cards. I can afford 3 bucks a month knowing that my online purchases are not causing hundreds of dollars to be hacked on my primary credit cards and debit. Also, it keeps me more frugal. Many times I have changed my mind on frivolous purchases between the time I decide to do it and when I make the deposit on the prepaid at the bank.
How many have been asked to reveal their last 4 digits of their s.s. card, while either to sign up to a web site, or using your credit card for purchases.
Only one comes to my mind.
Why would they ask for a social?
I used to remember when your social security number was a private person thing, and "only" the IRS used it, not like now..It's abusing our privacy something fierce..
Only one comes to my mind.
Why would they ask for a social?
I used to remember when your social security number was a private person thing, and "only" the IRS used it, not like now..It's abusing our privacy something fierce..
Never heard of such a thing. You aren't buying from Nigeria, are you?
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