Potential data security breach-My freedom Smokes

[crunchie812]

My card was compromised just recently. The purchases were local, which would be unlikely with a card hacked on the internet. Most likely culprit in my case was a gas station card skimmer. I'm paying cash for gas from here on out. I just placed an order with MFS, but I used a prepaid card. It gets hacked, I'll be out maybe $5. You can't really blame small online vendors when they get hacked, they all use third party software for their checkout procedures. If they were IT security gurus, they'd be in the IT security business.

 

[crunchie812]

I've been through 3 cards since Christmas. Bank caught it and shut the cards down, but it's a pain in the *** because I rarely carry cash. Bought a couple of mini Subtanks from MFS in March, but then I spent a week in the Keys and my wife and I both had card issues after that. Not sure what card I used @ MFS, I use gift cards when I'm unsure about places I'm shopping.

Hmm. Did you perchance buy gas at the Tom Thumb in Islamorada?

 

[Alien Traveler]

I always use "disposable" virtual credit card for Internet purchases.

 

[AndrewH]

My card was compromised just recently. The purchases were local, which would be unlikely with a card hacked on the internet. Most likely culprit in my case was a gas station card skimmer. I'm paying cash for gas from here on out. I just placed an order with MFS, but I used a prepaid card. It gets hacked, I'll be out maybe $5. You can't really blame small online vendors when they get hacked, they all use third party software for their checkout procedures. If they were IT security gurus, they'd be in the IT security business.

Actually you can very much blame them. It wasn't the 3rd party that got hacked (Authorize.net) someone injected malicious code into their webpage, nothing to do with the 3rd party payment processor, they're actually quite secure. If you can't afford to make sure that people's information is safe, you shouldn't be selling online. There are thousands of small businesses online that have top notch security and are run by a small group of people. Getting hacked is part of the risk and if someone is determined enough they'll find a way in, the bigger issue is how you handle it after a breach has occurred and I don't think that they handled the situation correctly and a lot of people got screwed but just because they are a small business certainly doesn't mean they get a free pass.

 

[thatrandy]

Im pretty sure I used a pre-paid card so im good
Hopefully not too many people were affected. This kind of thing should never happen. I think this should be a wake up call for vendors to keep up with security

 

[Shigura]

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I always use "disposable" virtual credit card for Internet purchases.

This right here because mine was comprised around that time frame 19th of March (purchased from MFS the 5th) Luckily I didn't have much in there but it was a hassle to get it back.

 

[mctess]

This makes me want to call up my bank and have them issue me new cards. I didn't purchase during this timeframe and didn't receive any unauthorized transactions - yet. However, I rarely go online and enter my email address for anything other than signing up for vape shop accounts. I have questioned if something is going on because a couple of times - on a couple different shop sites - I will immediately be bombarded with spam emails for days. The only place that I had recently given my email online was to vape places. The spam happened almost immediately - and I'm talking 50-100 emails a day.

 

[Wolfenstark]

Do banks in the USA cover you for fraudulent transactions on your card ?
My bank in Australia does and I think all the others do , if you tell them about it within a certain time period.

 

[jseah]

Do banks in the USA cover you for fraudulent transactions on your card ?
My bank in Australia does and I think all the others do , if you tell them about it within a certain time period.

It depends on the types of accounts. Generally credit card/charge accounts has zero liability for fraud, which means that the account holder is not liable for any fraudulent activity. On the other hand, using a debit card that draws directly from your checking account, depending on your bank you may be liable for up to $50. The other downside to using a debit card is that the money is not returned to your account until the bank completes its investigation and determines that there was fraudulent use involved, which can take anywhere from days to weeks.

 

[Wolfenstark]

Here debit cards are covered well for my bank.
Especially if it is obvious you did not or could not have made the transaction.

 

[jseah]

I think with all of the merchant data breaches that have occurred over the past couple of years, many banks are switching to zero fraud liability as well. I know that any US-issued debit cards with a VISA logo have zero liability protection.

 

[Shigura]

I think with all of the merchant data breaches that have occurred over the past couple of years, many banks are switching to zero fraud liability as well. I know that any US-issued debit cards with a VISA logo have zero liability protection.

Usually, since it was a reloadable visa debit that was comprised it was on the bank issuer how to handle it in my case its a citibank card. Was a rather big hassle to only get $100 back that was taken. A few years ago my wife's bank card was comprised when they snatched $1500 from us, we had the money back in a few days. Basically banks and their communication with visa or other card types dictates how this fraud is handled.

 

[3mg Meniere]

I have Visa debit card. My bank screens all charges, and know that I deal only with a limited number of online vendors. I have been compromised twice, and the three charges were immediately taken care of.

 

[crunchie812]

This makes me want to call up my bank and have them issue me new cards. I didn't purchase during this timeframe and didn't receive any unauthorized transactions - yet. However, I rarely go online and enter my email address for anything other than signing up for vape shop accounts. I have questioned if something is going on because a couple of times - on a couple different shop sites - I will immediately be bombarded with spam emails for days. The only place that I had recently given my email online was to vape places. The spam happened almost immediately - and I'm talking 50-100 emails a day.

Put a bogus company name in your contact info with your email address, a different one for each shop. Your spam will come with the company name. That way you can tell which vendor(s) are the problem.