other college students.
do you live in a dorm or,have room mates?
just asking.
regards
mike
Strange... Hacked :/
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do you live in a dorm or,have room mates?
just asking.
regards
mike
I went through this a few months back. My debit card info was stolen and several purchases were made and cleared. It wasn't until they tried to buy something from the UK that a red flag went up and my bank called me. It took about a week but we did get our money back and MasterCard went after the people responsible. One person got caught because one of the purchases made with my card were sent to her address in her name.
Came here to point this out. Recently had a nightmare of a time (took about a full month) to get back $1.5k that was drained from my debit card. It was really lame because I got paid (direct deposit) and moments later got 3 emails, a phone call, and a text that my account was compromised. Obviously they knew the charges were fraudulent, and they were made in stores in the UK. Clearly not me.
Despite all these OBVIOUS signs of fraud (you'd have to be a real mastermind to fly to England and then back to NJ in the same day) they needed to "investigate my claim" which inevitably took a full month (2 pay cycles..) The money literally just got back to my account ($1570) today. I'm thinking of draining my savings/checkings account and keeping my money in a shoebox. It'd be safer that way.
Never used it on my computer. The government breach got access to social security numbers, clearance levels, credit scores, everything. In order to have a security clearance, you have to divulge everything.
As an update, this person really slipped up. I called South Beach Smoke today and they put their own email and phone number into the system. Now this really is starting to feel like the movie 'Identity Thief.'
So they took out a credit card in your name? How would the government have your credit card number? Most of these cases are people who have malware/spyware on their computers...
I live at home with mom. Card was only used for food and groceries. I use PayPal for all online purchases and my credit card is not stored there. For gas, I only pay with cash because I live a dollar at a time and I've heard of the vulnerabilities at the gas station pumps.
Why would an insurance company have someone's credit card number?
When you sign up for insurance (in most states, not sure all) they say somewhere in the fine print that they may obtain your credit card information. They do this because it is believed that there is some correlation between financial stability (or instability) and potential risk/losses. I mean realistically it does seem sort of pertinent that a life insurance policy should know whether or not you recently declared bankruptcy or something like that, as that may put you in line to engage in riskier behavior.
They don't necessarily store your physical credit card number, but if they have your account information (routing number, account number, whatever else) then it'd be pretty easy for someone to use that information to successfully make purchases under your name. Not only that, and I wouldn't know personally, but I've heard that on dark net markets (Onion/Tor websites) credit card information is not only frequently sold, but people offer services where you can provide a social security number and other folks will attempt to gain the credit card/bank information of said person. Pretty spooky stuff.
Is esurance under Anthem?
Edit: Whoops, you meant health insurance... I don't have any of those providers.
No, I'm not sure of the area code (I think SC) but who knows if it is a valid number.
They may obtain your credit rating. A credit card number is not the same as a credit rating...
I can't say for certain, but I'm nearly positive they don't just obtain your credit rating. Even if they were merely obtaining your credit rating, that requires a social security number which (in itself) can link someone to their credit card without any external information.
I don't know the full process on "how" it happens, but I know, for a fact, that the recent compromise within Anthem lead to a lot of fraudulent credit card purchases/probably some cases of full-blown identity theft.
Credit reporting agencies don't have access to credit card numbers. Identity theft is not the same as credit card theft...
My medical insurance is with Aetna, and they have my credit card info and that's because they have their own mail order pharmacy and my insurance requires that drugs that are considered maintenance drugs (i.e. you have to use them long term) has to be ordered through their mail order pharmacy.
That makes sense.
I mean, in this day and age everything is corrupt and everyone's on a thousand lists being marketed/sold (I literally work in that exact industry, managing large lists of collected information and such) it's not surprising that a company as intimately involved in your life -- ie: life insurance -- would collect more information than they'd want you to know. It's not just paranoia, I've looked through lists that have hundreds of thousands of names, addresses, phone numbers, social security numbers, dates of birth, and a slew of other considerably sensitive information.
And whoever has your information can sell your info to other companies for marketing purposes.....even the government. I have my IRS enrolled agent license issued by the IRS, and other than my employer, there are only two organizations in the world that know that I'm an enrolled agent and have my contact info....the IRS and the NYS department of taxation. I constantly get spam emails and snail mail for business registries, continuing education programs, how to expand my tax business, etc. The only way they could have gotten my info was from the government.
I only have 2 banks accounts, both with debit check cards and one actual credit card I use for online. About once a year I "lose" them so they need to be reissued. I had one of mine get compromised in the Home Depot (I assume) hack, it took about 4 months and I had a fraudulent charge.
I don't know about others, but Chase lets you set text alerts for any charge made at a limit you set. Mine is set for $1 (default is $50), so I get a text for any charge to that card, typically within seconds of using it. Wells Fargo also does it, but through emails. The text from Chase is how I found the fraud charges earlier this year. The scammers are smart, the fraud charge I found was for $49.99, I'm sure it is no coincidence that it was just under the default limit. I'm sure they know most people won't adjust it.
I don't know about others, but Chase lets you set text alerts for any charge made at a limit you set. Mine is set for $1 (default is $50), so I get a text for any charge to that card, typically within seconds of using it. Wells Fargo also does it, but through emails. The text from Chase is how I found the fraud charges earlier this year. The scammers are smart, the fraud charge I found was for $49.99, I'm sure it is no coincidence that it was just under the default limit. I'm sure they know most people won't adjust it.
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