r3dgh0s7, Might I suggest you using something a little more secure than WEP. With a linux distro called Backtrack, I can get the password of any WEP system in under 10 min. Try Using WPA2 and AES encryption...much more s3cur3! 
CC Fraud alert!
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thanks for the advice, and no backhanded jabs at my original quake username, lol
Well... Regarding CC fraud, I have actually been hit I think a total of 6 times now. Some prior to my on line shopping and since I have been doing alot of on line shopping. My lowest hit was for maybe like $10.00 and the biggest hit was for around $3k (casino in Vegas lol). It has been from my banks Visa Check card and just regular old CC's. In all instances I have been able to work with the banks and CC Co's to get the charges reversed, but there was a mojor diff in the way it was handled.
With my banks card, the bank required for the charge to clear my account BEFORE I could formally dispute it, even though I had made a verbal dispute. Once the charges cleared (and I was low on funds) they started the process. I had to file bank paperwork, file a police report, verify and certify copies of the receipts, make copies of my bank statement and make an itemized list of disputed charges. Once all of that was done it took a few weeks for the funds to be credited back to me. Oh did I mention I currently live in the continental US and my bank (old account and I didn't feel like changing all of my funded accounts) is in Alaska.
With the actual straight up CC company (Capital One), as soon as the charges were flagged, they contacted me, froze the account, and began to process the fraud. They credited my card with the disputed amount, and reissued a new card and account number (only down side is having to contact any vendors setup on an auto pay system). While I offered to get them a police report, they actually didn't even want one. Once the dispute claim was made and they finished up on the phone with me (maybe 30 min or so) I was done. They took care of the rest and I got a new card in the mail.
I would say from what I have been witness to, I much rather deal with the actual CC company rather then a bank issued card. There service and fraud department worked for me, and took my word as the customer. With the bank I felt like I had to jump thru "flaming rings of death" in order to impress them and prove that it wasn't MY charge after all.
As far as how the charges get flagged in there system, there is a number of reasons. Some of which are frequency of charges compared to normal purchasing habits. Distance from home address, validation information (Zip code verification, CCV verification, Name verification, etc...) While I was finding out all f this information (speaking with the poor guy handling my fraud case... I think I overloaded him with questions that day) he also mentioned that even it the charge fails some of the verifications that they will allow charges at times. This is in place for such instances where a clerk may enter in the wrong zip... or type a letter wrong in a name.
Honestly, the first fraud case I had to deal with scared the carp out of me, but since then I just accept that these things WILL happen. For my peace of mind, I make sure to use cards from good companies with great fraud departments. I try my hardest to watch where I use my card and hope for the best. My main focus is, like I said, have a good fraud department behind you, not one that wants to fight you the whole way.
For anyone who has had to deal with any type of fraud, I feel for ya. It sucks and I hope everything worked out for the best, and for anyone who hasn't dealt with it, I hope you never have to.
Cheers,
With my banks card, the bank required for the charge to clear my account BEFORE I could formally dispute it, even though I had made a verbal dispute. Once the charges cleared (and I was low on funds) they started the process. I had to file bank paperwork, file a police report, verify and certify copies of the receipts, make copies of my bank statement and make an itemized list of disputed charges. Once all of that was done it took a few weeks for the funds to be credited back to me. Oh did I mention I currently live in the continental US and my bank (old account and I didn't feel like changing all of my funded accounts) is in Alaska.
With the actual straight up CC company (Capital One), as soon as the charges were flagged, they contacted me, froze the account, and began to process the fraud. They credited my card with the disputed amount, and reissued a new card and account number (only down side is having to contact any vendors setup on an auto pay system). While I offered to get them a police report, they actually didn't even want one. Once the dispute claim was made and they finished up on the phone with me (maybe 30 min or so) I was done. They took care of the rest and I got a new card in the mail.
I would say from what I have been witness to, I much rather deal with the actual CC company rather then a bank issued card. There service and fraud department worked for me, and took my word as the customer. With the bank I felt like I had to jump thru "flaming rings of death" in order to impress them and prove that it wasn't MY charge after all.
As far as how the charges get flagged in there system, there is a number of reasons. Some of which are frequency of charges compared to normal purchasing habits. Distance from home address, validation information (Zip code verification, CCV verification, Name verification, etc...) While I was finding out all f this information (speaking with the poor guy handling my fraud case... I think I overloaded him with questions that day) he also mentioned that even it the charge fails some of the verifications that they will allow charges at times. This is in place for such instances where a clerk may enter in the wrong zip... or type a letter wrong in a name.
Honestly, the first fraud case I had to deal with scared the carp out of me, but since then I just accept that these things WILL happen. For my peace of mind, I make sure to use cards from good companies with great fraud departments. I try my hardest to watch where I use my card and hope for the best. My main focus is, like I said, have a good fraud department behind you, not one that wants to fight you the whole way.
For anyone who has had to deal with any type of fraud, I feel for ya. It sucks and I hope everything worked out for the best, and for anyone who hasn't dealt with it, I hope you never have to.
Cheers,
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