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Posted: 8/28/2015 5:44:03 PM EDT
Apparently someone bought a big pile of clothes on my dime today.

A few assholes got busted today with some skimmers after making a purchase with a phony credit card at a grocery store.

I'll call the arresting agency. Maybe they're linked. The store that took my money is in Sweden and is unique enough that if it's in their browser they're fucked.
http://hope-sthlm.com/
Link Posted: 8/28/2015 5:45:39 PM EDT
That sucks brother!  I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase.  Usually skimmers make a small purchase to test, then bam they get you!
Link Posted: 8/28/2015 5:48:01 PM EDT
Throw away your debit card and don't replace it.

Sorry to hear about that.
Link Posted: 8/28/2015 5:48:28 PM EDT
Ouch.
Do you keep some cash stashed for emergencies?
Link Posted: 8/28/2015 5:48:59 PM EDT
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  

Link Posted: 8/28/2015 5:49:16 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By AmericanCheese:
That sucks brother!  I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase.  Usually skimmers make a small purchase to test, then bam they get you!
View Quote

I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money.

Will the store be out the money ?
Link Posted: 8/28/2015 5:50:14 PM EDT
[Last Edit: 8/28/2015 5:51:51 PM EDT by flyby1971]
This would qualify to use your emergency fund.
Yes I don't think PISSED would be close enough to label it if it was me.
Link Posted: 8/28/2015 5:53:01 PM EDT
Best I can do is offer you a high interest, predatory loan, OP.
Link Posted: 8/28/2015 5:53:50 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JoseCuervo:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  

View Quote


Either way it's insured, but yes, credit cards if paid in full each month is smart, especially if you get reward points/cash rewards etc.
Link Posted: 8/28/2015 5:54:36 PM EDT
I use a small local credit union for savings/loans. But I like a big bank for my direct deposit to go into...the same thing happened to me a while back, and within an hour, bank of america credited the charges and I had my money back.
Link Posted: 8/28/2015 5:54:56 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:

I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money.

Will the store be out the money ?
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
That sucks brother!  I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase.  Usually skimmers make a small purchase to test, then bam they get you!

I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money.

Will the store be out the money ?

No, not likely.  The CC company usually gets to eat these.
Link Posted: 8/28/2015 6:03:57 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dskeet:

No, not likely.  The CC company usually gets to eat these.
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dskeet:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
That sucks brother!  I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase.  Usually skimmers make a small purchase to test, then bam they get you!

I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money.

Will the store be out the money ?

No, not likely.  The CC company usually gets to eat these.


If a PIN is used, I am pretty sure it has nothing to do with "the credit card company". Never use a PIN, even if a debit card is your only option, run it as a credit card and VISA/MC (should be a logo of one or the other on your card) will run the transaction and you are protected under their terms. No matching signature on the sales slip, not your issue. I hope not, but the bank could tell the OP to pound sand.
Link Posted: 8/28/2015 6:05:02 PM EDT

Sorry to hear that OP

With that being said you guys need to get rid of those dam debit cards and get a credit card.
You can review and dispute any charges before you pay your bill every month.
In fact a cc company may have caught that transaction happening.
My cc companies have caught the 2 fraudulent purchases on my cards before I did.
One was in the act of happening when they called me on a Saturday afternoon.

Link Posted: 8/28/2015 6:09:36 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By DeLuce:
I use a small local credit union for savings/loans. But I like a big bank for my direct deposit to go into...the same thing happened to me a while back, and within an hour, bank of america credited the charges and I had my money back.
View Quote

Two weeks, minimum.
Link Posted: 8/28/2015 6:12:29 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Nailcrusher:

Sorry to hear that OP

With that being said you guys need to get rid of those dam debit cards and get a credit card.
You can review and dispute any charges before you pay your bill every month.
In fact a cc company may have caught that transaction happening.
My cc companies have caught the 2 fraudulent purchases on my cards before I did.
One was in the act of happening when they called me on a Saturday afternoon.

View Quote

My credit union's fraud division called me at work but cell phone use is prohibited while on the clock.

It'll get handled, but not speedily.
Link Posted: 8/28/2015 6:15:07 PM EDT
Damn that sucks, my Credit Union had our money back in 6 hours and the Wife had a new card printed that morning.
Link Posted: 8/28/2015 6:16:23 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FuriousYachtsman:


Throw away your debit card and don't replace it.



Sorry to hear about that.
View Quote
Yep.

 



I don't understand why people use debit. CC, cash, or ApplePay for me.




Sorry, OP
Link Posted: 8/28/2015 6:18:20 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:

My credit union's fraud division called me at work but cell phone use is prohibited while on the clock.

It'll get handled, but not speedily.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:
Originally Posted By Nailcrusher:

Sorry to hear that OP

With that being said you guys need to get rid of those dam debit cards and get a credit card.
You can review and dispute any charges before you pay your bill every month.
In fact a cc company may have caught that transaction happening.
My cc companies have caught the 2 fraudulent purchases on my cards before I did.
One was in the act of happening when they called me on a Saturday afternoon.


My credit union's fraud division called me at work but cell phone use is prohibited while on the clock.

It'll get handled, but not speedily.


Are you not allowed to use the bathroom on the clock?
Link Posted: 8/28/2015 6:19:38 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:

I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money.

Will the store be out the money ?
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
That sucks brother!  I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase.  Usually skimmers make a small purchase to test, then bam they get you!

I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money.

Will the store be out the money ?



Do you have any silver or gold stashed away? You should be able to gas and groceries with that
Link Posted: 8/28/2015 6:21:37 PM EDT
People still use banks?



95% of my money is not in banks. For this reason and about a dozen other reasons.

Link Posted: 8/28/2015 6:32:34 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Dustrod:



Do you have any silver or gold stashed away? You should be able to gas and groceries with that
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Dustrod:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
That sucks brother!  I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase.  Usually skimmers make a small purchase to test, then bam they get you!

I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money.

Will the store be out the money ?



Do you have any silver or gold stashed away? You should be able to gas and groceries with that

Funny, I was going to order more silver and a Jerry can with this check. I have a full Jerry can to top off my tank. Eventually I'll have six or more cans, but one will cover this problem. The food will be coverd, too.

Link Posted: 8/28/2015 6:34:59 PM EDT
Link Posted: 8/28/2015 6:35:49 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Paul:
If you need to continue to live in our society I recommend three accounts at your S&L or bank.

1. Credit card account with enough money
2. The overdraft account with the minimum amount.
3. Savings NOT linked to the first two.
View Quote



Indeed.
Link Posted: 8/28/2015 6:36:10 PM EDT
[Last Edit: 8/28/2015 6:36:27 PM EDT by Paul]
Link Posted: 8/28/2015 6:37:13 PM EDT




She'll front you some cash
Link Posted: 8/28/2015 6:40:25 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JoseCuervo:


Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  



View Quote

Word! My Chase CC purchases hit my phone within a second or two of being made. If I didn't make the charge, I'll know about it the second it hit's my account.




I pay it off every month...and I have a record, categorized, of every penny I spend.




Hard to find a better solution.





 
Link Posted: 8/28/2015 6:41:17 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By KalihiJack:



Indeed.
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By KalihiJack:
Originally Posted By Paul:
If you need to continue to live in our society I recommend three accounts at your S&L or bank.

1. Credit card account with enough money
2. The overdraft account with the minimum amount.
3. Savings NOT linked to the first two.



Indeed.


How does one go about doing that? I have my local credit union for debit/savings/checking/direct deposit, then I have my credit card through Cabela's.
Link Posted: 8/28/2015 6:42:20 PM EDT
#swedishlivesmatter
Link Posted: 8/28/2015 6:42:40 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By macaho45:
http://consumermediallc.files.wordpress.com/2013/08/westernsky.png



She'll front you some cash
View Quote

I'd work out a treaty or two with her!
Link Posted: 8/28/2015 6:45:01 PM EDT
[Last Edit: 8/28/2015 6:46:42 PM EDT by pcsutton]


Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:
My credit union's fraud division called me at work but cell phone use is prohibited while on the clock.





It'll get handled, but not speedily.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:





Originally Posted By Nailcrusher:





Sorry to hear that OP





With that being said you guys need to get rid of those dam debit cards and get a credit card.


You can review and dispute any charges before you pay your bill every month.


In fact a cc company may have caught that transaction happening.


My cc companies have caught the 2 fraudulent purchases on my cards before I did.


One was in the act of happening when they called me on a Saturday afternoon.








My credit union's fraud division called me at work but cell phone use is prohibited while on the clock.





It'll get handled, but not speedily.

Jeebus, man...what kind of fucked up place won't allow somebody to answer a call from their bank's fraud department?






If it was me...they'd just have to understand. Piss break.




 

 
Link Posted: 8/28/2015 6:47:31 PM EDT
this is why you use a credit card. if there is fraud, it's the bank's money that is stolen, not yours. yes, you'll get it back, but not fast...
Link Posted: 8/28/2015 6:48:49 PM EDT

When, if ever is. Debit appropriate?





Link Posted: 8/28/2015 6:52:38 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By pcsutton:
Jeebus, man...what kind of fucked up place won't allow somebody to answer a call from their bank's fraud department?

If it was me...they'd just have to understand. Piss break.
 
 
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By pcsutton:
Originally Posted By JellyBelly:
Originally Posted By Nailcrusher:

Sorry to hear that OP

With that being said you guys need to get rid of those dam debit cards and get a credit card.
You can review and dispute any charges before you pay your bill every month.
In fact a cc company may have caught that transaction happening.
My cc companies have caught the 2 fraudulent purchases on my cards before I did.
One was in the act of happening when they called me on a Saturday afternoon.


My credit union's fraud division called me at work but cell phone use is prohibited while on the clock.

It'll get handled, but not speedily.
Jeebus, man...what kind of fucked up place won't allow somebody to answer a call from their bank's fraud department?

If it was me...they'd just have to understand. Piss break.
 
 

It showed up as a nameless 1-888 number. I had no way to know who it was. I'll answer if it's family or certain friends, but not a toll-free number.
Link Posted: 8/28/2015 6:53:18 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JoseCuervo:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  

View Quote



Chip and Pin credit cards

Coming soon.

Some stores are already prepping the objective by going chip and signature.
Link Posted: 8/28/2015 6:54:31 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By midwinter:
When, if ever is. Debit appropriate?





View Quote



Never really.  I don't even carry my debit card with me.  For cash, I'll usually go into the branch, get $$ and have them break it into smaller bills for me.  If the teller is a hot female, I'll ask for ones and watch how she counts it out.
Link Posted: 8/28/2015 6:55:14 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:

Two weeks, minimum.
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:
Originally Posted By DeLuce:
I use a small local credit union for savings/loans. But I like a big bank for my direct deposit to go into...the same thing happened to me a while back, and within an hour, bank of america credited the charges and I had my money back.

Two weeks, minimum.



This happened to me last year.

BofA refunded the money that day in temporary credits while they investigated and made them permanent.

I also now use a CC for everything. Much easier to reverse/deny charges than to give your money back.
Link Posted: 8/28/2015 6:56:38 PM EDT
Sorry 4 u JB.

Link Posted: 8/28/2015 6:58:48 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By pcsutton:
Word! My Chase CC purchases hit my phone within a second or two of being made. If I didn't make the charge, I'll know about it the second it hit's my account.


I pay it off every month...and I have a record, categorized, of every penny I spend.


Hard to find a better solution.

 
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By pcsutton:
Originally Posted By JoseCuervo:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  

Word! My Chase CC purchases hit my phone within a second or two of being made. If I didn't make the charge, I'll know about it the second it hit's my account.


I pay it off every month...and I have a record, categorized, of every penny I spend.


Hard to find a better solution.

 



Exactly what I do.  My GF still uses her debt card for everything.  Drives me nuts
Link Posted: 8/28/2015 7:05:35 PM EDT
if your in the UP.

i'll loan you some cash till you get your money back.






Link Posted: 8/28/2015 7:12:08 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FDC:



Chip and Pin credit cards

Coming soon.

Some stores are already prepping the objective by going chip and signature.
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FDC:
Originally Posted By JoseCuervo:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  




Chip and Pin credit cards

Coming soon.

Some stores are already prepping the objective by going chip and signature.

My credit union told me my replacement card will be like that.
Link Posted: 8/28/2015 7:19:01 PM EDT
That is why I refuse to have a debit card. you have no protection. You would think people would learn.
Link Posted: 8/28/2015 7:20:21 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By Fairplay:
That is why I refuse to have a debit card. you have no protection. You would think people would learn.
View Quote



Depends on the bank.

BOFA as hated as they are, made it right.

Now we use all CC's
Link Posted: 8/28/2015 7:22:58 PM EDT

Originally Posted By JellyBelly:


Apparently someone bought a big pile of clothes on my dime today.



A few assholes got busted today with some skimmers after making a purchase with a phony credit card at a grocery store.



I'll call the arresting agency. Maybe they're linked. The store that took my money is in Sweden and is unique enough that if it's in their browser they're fucked.

http://hope-sthlm.com/

View Quote
What ever  defective, ill advised  payment instrument you have  linked to your  "wealth storage" STOP now.

 
.

.Protect your assets.
Link Posted: 8/28/2015 7:27:07 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FDC:



Chip and Pin credit cards

Coming soon.

Some stores are already prepping the objective by going chip and signature.
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FDC:
Originally Posted By JoseCuervo:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  




Chip and Pin credit cards

Coming soon.

Some stores are already prepping the objective by going chip and signature.



I like my accounts to be super secure, so I got one of those cards, I can post a picture of it if anyone is interested!
Link Posted: 8/28/2015 7:28:55 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:

My credit union told me my replacement card will be like that.
View Quote View All Quotes
View All Quotes
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By JellyBelly:
Originally Posted By FDC:
Originally Posted By JoseCuervo:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  




Chip and Pin credit cards

Coming soon.

Some stores are already prepping the objective by going chip and signature.

My credit union told me my replacement card will be like that.



No issue with them.  They go both ways.  Have the magnetic strip and also the chip.  All the Walmarts around here(Sandhills of NC) and a couple other shops have converted their card readers for chips.

I've been hit with credit card fraud a few times.  It's a pain in the ass, but has so far always worked out with me owing nothing.  Good luck!
Link Posted: 8/28/2015 7:30:17 PM EDT
Link Posted: 8/28/2015 7:30:40 PM EDT
shit man that blows,,  

i have a small emergency cash fund but i realize not everyone has that luxury
Link Posted: 8/28/2015 7:35:17 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By FuriousYachtsman:
Throw away your debit card and don't replace it.

Sorry to hear about that.
View Quote



Yes


Thus is exactly why we use credit cards
Link Posted: 8/28/2015 7:43:35 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By I_am_Dan:



Yes


Thus is exactly why we use credit cards
View Quote View All Quotes
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Discussion ForumsJump to Quoted PostQuote History
Originally Posted By I_am_Dan:
Originally Posted By FuriousYachtsman:
Throw away your debit card and don't replace it.

Sorry to hear about that.



Yes


Thus is exactly why we use credit cards

My credit rating isn't even a number. It's some guy pointing at me and laughing. No credit card for me.

Yes, I'm working on it.
Link Posted: 8/28/2015 7:45:40 PM EDT
Link Posted: 8/28/2015 7:50:06 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By georgiagun:
People still use banks?



95% of my money is not in banks. For this reason and about a dozen other reasons.

View Quote

good luck getting a home loan in the future.
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