Stolen Debit Card Info

[umop apisdn]

I just found out today that I'm a victim of ID theft. I'm not sure where it came from, but it must be an online vendor. Long story short, some punk thought they'd go Christmas shopping on me. I'll be reimbursed for this and it won't ruin my credit should the bank find I'm not lying. (Which I'm not!) So, don't worry about that.

Worry about yourself. More than 3/4 of my purchases in the last 6 months have been e-cig related, which leads me to believe there may not be an honest vendor, or their site may not be secure. Watch out everyone, make sure you trust where you put your info out, and keep your computer secure. I'm a broken record, I know, but then again, I thought I had more security online than the president.

Be safe, and Happy Holidays!

 

[pianoguy]

Man, that blows - hope your hassle is as minimal as possible!

 

[RatRacer]

.ɹǝpuıɯǝɹ ǝɥʇ puɐ dn spɐǝɥ ǝɥʇ ɹoɟ sʞuɐɥʇ

 

[JustFolly]

Yikes! I'm very sorry to hear that, you'll have to keep us updated if you ever find out exactly where the cause is. I've always taken care to order purely from established/reputable PV vendors, but I have always been nervous about giving my info out to so many sources. Best of luck to you.

 

[just-cass]

can i ask what they went shopping for?or do you know?...would that help figure out who it was?eg. what country they bought from?

 

[Deschain]

Man, that blows - hope your hassle is as minimal as possible!

What he said. As for your bank, if they have to reimburse you, you can bet your life that they will track this down to the source if they can!


.

 

[Elendil]

What he said. As for your bank, if they have to reimburse you, you can bet your life that they will track this down to the source if they can!


.

THe first part of your quote is correct. However, his bank won't track it down. They get the funds from the bank where the funds were deposited from the merchant that accepted the card. It would then be up to that bank to pursue it. Ultimately the merchant that accepted the card will be the one out the money..............

What is disturbing to me is the trend of the "no sig or no pin required" transactions. I see this predominately at fast food drive thru's where the card is swiped with no pin or signature required..........pretty scary, although it is for a relatively small amount of money per transaction.

 

[antism]

That sucks. If you're questioning the vendors here it would be nice to know which ones you have purchased from.

 

[jj2]

I just found out today that I'm a victim of ID theft. I'm not sure where it came from, but it must be an online vendor. Long story short, some punk thought they'd go Christmas shopping on me. I'll be reimbursed for this and it won't ruin my credit should the bank find I'm not lying. (Which I'm not!) So, don't worry about that.

Worry about yourself. More than 3/4 of my purchases in the last 6 months have been e-cig related, which leads me to believe there may not be an honest vendor, or their site may not be secure. Watch out everyone, make sure you trust where you put your info out, and keep your computer secure. I'm a broken record, I know, but then again, I thought I had more security online than the president.

Be safe, and Happy Holidays!

As much as I hate to say it, I still prefer to use PayPal. Since I order mainly from China, I still can.

 

[Elendil]

That sucks. If you're questioning the vendors here it would be nice to know which ones you have purchased from.

I'd be more worried about using it at a restaurant than with an ecig vendor. We see more stolen debit card info originating from restaurants than any other source.

 

[Paranoyed]

What he said. As for your bank, if they have to reimburse you, you can bet your life that they will track this down to the source if they can!


.

Actually they will not what will happen is Visa/ Mastercard will charge the vendor back for not takingproper precautions and the merchant will raise prices to offset losses. I say this because I am a branch manager at a bank and I see these situations daily. Also to the OP do not be so quick to blame e-cig vendors ID theft usually is not aimed at a single target instead a database is obtained (illegaly) from a merchant and then different cards are used throughout. If I see many more people with the same issue on here as we all shop for e-cigs routinely then I might suspect that but as far as your spending in the last 6 months how long do you think companies store invoice records for? OK I will tell you typically 7 years as that is the timeline for an audit. It could have been a merchant you bought from years ago who is now out of business and some enterprising individual found some of their old records. Be happy you have Visa or MC as they garauntee your protection. Also to any other US persons who may have this happen Visa and MC garauntee your money back as long as the theft is reported within 60 days never let your bank tell you different. And please always remember the debit and or credit card though a pain to dispute is the safest form of payment to use as the card can be shut down without upsetting any other payments. Checks have all of your personal info on them and can lead to much more serious problems then a 15 minute phone call and a weeks wait to get your new card.

 

[Deschain]

Wow, this is really poor!

I don't suppose I should be too shocked that the merchant & the innocent customers get screwed though.

The 7 year keeping of details is also a bit scary.


.

 

[Elendil]

If the merchant was checking the cards as they should, they wouldn't have the problem in the first place.

I can tell you that maybe 1 in 10 tranactions that I do with my debit card is actually checked by the merchant. I am of course speaking of sig based tansactions vs PIN based............

 

[scottjamez]

a web site vendor doesn't even get your CC info when you order online. It goes through their payment processor and they just get a confirmation number. Things to consider when shopping online...
1. make sure it is a secure site.
2. make sure you are not using a public computer
3. if you are using a wireless network, make sure that network is secure.

Another place to think about it restaurants. When you give your CC to a waiter to pay they usually walk away with your card to process it. It is becoming more and more common for wait staff to use a "skimmer". It is a small plastic device that you slide a CC through and it will record all the info on the magnetic strip. The person then hooks the skimmer to a computer and they are able to create a duplicate of your card.

If you think you are following best practices and you still get hacked, use cash.

 

[jdg]

It is becoming more and more common for wait staff to use a "skimmer".

Tipping makes for honest wait staff. Not tipping leads to spit, floor food, and stolen cards. Waiting, anyone?

 

[LemurCat]

What is disturbing to me is the trend of the "no sig or no pin required" transactions. I see this predominately at fast food drive thru's where the card is swiped with no pin or signature required..........pretty scary, although it is for a relatively small amount of money per transaction.

That type of transaction is *supposed* to be limited to totals under $15. I have yet to encounter one that is for more, and some banks don't use it at all.

 

[Lab]

I would highly recommend scanning your computer with multiple virus scanners.. there are plenty undetected keyloggers out there..

I used to play around with them when I was younger and messed with yahoo. In a week I could easily get 20 bank logins CC#'s paypal login.. when I got them I would usually tell the person how to protect their comp better.

and you might have the top of the line virus scanner.. but virus's are not detected until they are identified and put into the updated scan list. the one I had made was not detected for 3 months from any virus scanner and it was set up to check for updates for the virus so when it would start being found a update was auto installed so that it would not be found for longer

the odds of a online retailer using your card are slim to none.. negative reports on a business cost the company more than anything they could steal off a card.

 

[Elendil]

That type of transaction is *supposed* to be limited to totals under $15. I have yet to encounter one that is for more, and some banks don't use it at all.

Well, I've done them for as much as $60 that I can remember off the top of my head.............

 

[Paranoyed]

a web site vendor doesn't even get your CC info when you order online. It goes through their payment processor and they just get a confirmation number. Things to consider when shopping online...
1. make sure it is a secure site.
2. make sure you are not using a public computer
3. if you are using a wireless network, make sure that network is secure.

Another place to think about it restaurants. When you give your CC to a waiter to pay they usually walk away with your card to process it. It is becoming more and more common for wait staff to use a "skimmer". It is a small plastic device that you slide a CC through and it will record all the info on the magnetic strip. The person then hooks the skimmer to a computer and they are able to create a duplicate of your card.

If you think you are following best practices and you still get hacked, use cash.

The problem there is when you get jacked nobody will replace your cash. When you get hacked Visa and MC garauntee to reimburse you the money as long as you report it in 60 days. Another big "skimming" scam is a device placed over the card slot on your ATM that allows the theif to record you card number and key strokes. It is best to live life normally, buy what you want, monitor your account, and report issues timely.

 

[kase]

So, this thread isn't filled with stolen debit card info?

Dang it.