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Posted: 11/20/2023 10:14:04 PM EST
[#1]
I have only ever had a card compromised once. It was skimmed and they used it an hour away to buy $750 in gift cards at a 7-11.
Called the station it was stolen at, and the one it was used at (obviously had a clerk on the take or involved, no one buys $750 in gift cards at a 7-11 but scammers). Funny enough, it was a debit card (Master) and they fixed it immediately. Learned my lesson. |
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GA, USA
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Posted: 11/20/2023 10:24:18 PM EST
[#2]
Originally Posted By OG1: A few months ago my PayPal Business debit card had over $6000 in fraudulent charges. PayPal sucks as everyone knows and the hoops they made me jump through and the way they held $3000 of my dollars for 90 days while they "investigated" really sucked. I made a thread then and the smart and very helpful folks of Arfcom told me to not use debit cards so when PayPal sent me another I never activated it I just transferred funds over to my bank from them when needed and the problem was solved. Now, I exclusively only use credit cards for everything and just pay off before the month is up and that seems to be working well. I was paying bills this morning and paid one of them $1200 and assumed I must have bought shop supplies but did not remember. I just reconciled to see what it was that I purchased and came to find out the very last thing I purchased on that card was gas at Walmart for $70 then after that from 10-26 to 11-16 someone ran up about $1200 in charges to WalMart.ca and the Meta Store and the Pokemon store. So I can only deduce the Wal-Mart gas pump had a skimmer. I always look closely before getting gas but I guess I did not see it. Oh, and the credit card company is a lot more helpful than PayPal was btw, they refunded the payment while the investigation is ongoing. So how can I make 100% sure this does not happen again? you cant. i have a 10 buck limit on purchases with email alerts at 10 bucks. as long as you can check your emails, you can notify your credit card issuer and request a new card. this works well if you have two or three cards as you simply use another one until you get your new card. i've been skimmed at a local supermarket gas station. they got a bunch of us in a day or two. folks were buying expensive perfume and leather jackets two or three hundred miles away. i never let my credit card out of my sight. i use cash at restaurants. |
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FL, USA
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Posted: 11/20/2023 10:50:00 PM EST
[#3]
Quote HistoryOriginally Posted By gtsteve03: Why waste the time going inside and waiting in line? Quote HistoryOriginally Posted By gtsteve03: Originally Posted By FlashMan-7k: Originally Posted By zeekh: We've gotten nailed a couple of times at the gas pump. I only use the tap feature now. You can also suck it up and just know how many gallons you need and go pay inside. Why waste the time going inside and waiting in line? Exactly .....your time could be much better spent on the phone with your bank or CC company trying to get the fraudulent charges on your newly compromised card reversed. I never pay at the pump ..... |
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PA, USA
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Posted: 11/21/2023 6:37:02 AM EST
[Last Edit: billclo]
[#4]
I used to have my card hacked like clockwork every 3-4 months. I finally figured out it was at a certain gas station. I decided to try a test, wherein I would only pay cash for gas from now on, regardless of which type of card reader the station had. Guess what? I haven't been hacked in 5 years since I simply went back to paying cash only at gas stations. I don't use my card at restaurants either; its cash only.
Once the criminals were arrogant enough to pay for their own car insurance via my hacked card #. We had them dead to rights. We called the insurance company to let them know what was up, but they didn't care and wouldn't release the information as to who did it. The credit card company got involved, same deal. Since the criminal was in Ohio, some fuckery with the laws made it pretty much impossible to go after them. The credit card company was willing to prosecute, but the insurance company (Progressive) wouldn't cooperate at all. |
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Posted: 11/21/2023 6:49:25 AM EST
[#5]
The oddest one I had was Chinese. I check my statement online often, and I noticed a charge for about 5 cents from Light In A Box, a Chinese outfit, and the nickel was redeposited about 5 minutes later. I canceled the card immediately and got a new one. My Credit Union is VERY good about fraud.
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Posted: 11/21/2023 7:17:40 AM EST
[#6]
cash is the answer. Also it is not tracked.
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Posted: 11/21/2023 10:54:46 AM EST
[#7]
Quote HistoryOriginally Posted By Tobysi: I had a debit card get hacked and I hadn’t even used it one single time. Opened the account, threw the card in my desk drawer and got notified a few months later someone from across the country had tried to use the card to buy wine. How the hell does that even happen? Our company gives employees cards for incidentals. Last month every card was compromised at the same time. The clue? Subscriptions to the NY Times. Like WTF? Base on every card getting whacked at the same time, it's not a single vendor. It has to be us or the bank and we do not have a listing of the entire card number anywhere. After investigating it has to be the bank or the card printer. I had my company card number for about two years before this happened. |
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FL, USA
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Posted: 11/21/2023 10:57:59 AM EST
[#8]
Laughing in Floridian... The vibrant islanders from the island South of Key West living in Tampa are experts at their trade.
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Posted: 11/21/2023 11:13:31 AM EST
[#9]
Just had a spirit airline fraudulent charge.
Chase is great at fraud notifications |
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Posted: 11/21/2023 11:16:25 AM EST
[#10]
Originally Posted By OG1: So how can I make 100% sure this does not happen again? |
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Posted: 11/21/2023 11:17:12 AM EST
[#11]
Quote HistoryOriginally Posted By DDiggler: I use my Apple Watch now as much as I can to avoid this |
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Posted: 11/21/2023 11:21:24 AM EST
[#12]
Quote HistoryOriginally Posted By Villafuego: Exactly .....your time could be much better spent on the phone with your bank or CC company trying to get the fraudulent charges on your newly compromised card reversed. I never pay at the pump ..... Last time I had an odd charge, I went on my bank’s website, shut off the card and ordered a new one. Took maybe two minutes. Next day, I got an email asking me to verify my last five charges on that card. Not a single phone call was made. |
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Posted: 11/21/2023 11:28:27 AM EST
[#13]
Quote HistoryOriginally Posted By Whiskeyballzzz: Laughing in Floridian... The vibrant islanders from the island South of Key West living in Tampa are experts at their trade. Well, when the Cuban military trains them on how to commit crime why are we surprised. Military training on how to obtain funds illegally part of their curriculum. Then you can flee to the US, claim asylum, and send money back home. But there is more..... We don't have open deportation to Cuba, so they get to stay in the US. Our only saving grace is this- they like to go home. So, when they try and come back into the US, we can deny their entry based upon their criminal activities and their asylum claim is refuted. We had a guy a last year that was a real jerk. Had criminal cases on him in 6 different states and a fed case. He said he was going to visit Mom for Christmas. Got all his travel info and blocked his entry when he tried to return in Miami. It is our only way to lock them out. |
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Posted: 11/21/2023 11:36:20 AM EST
[#14]
Originally Posted By OG1: A few months ago my PayPal Business debit card had over $6000 in fraudulent charges. PayPal sucks as everyone knows and the hoops they made me jump through and the way they held $3000 of my dollars for 90 days while they "investigated" really sucked. I made a thread then and the smart and very helpful folks of Arfcom told me to not use debit cards so when PayPal sent me another I never activated it I just transferred funds over to my bank from them when needed and the problem was solved. Now, I exclusively only use credit cards for everything and just pay off before the month is up and that seems to be working well. I was paying bills this morning and paid one of them $1200 and assumed I must have bought shop supplies but did not remember. I just reconciled to see what it was that I purchased and came to find out the very last thing I purchased on that card was gas at Walmart for $70 then after that from 10-26 to 11-16 someone ran up about $1200 in charges to WalMart.ca and the Meta Store and the Pokemon store. So I can only deduce the Wal-Mart gas pump had a skimmer. I always look closely before getting gas but I guess I did not see it. Oh, and the credit card company is a lot more helpful than PayPal was btw, they refunded the payment while the investigation is ongoing. So how can I make 100% sure this does not happen again? Use cash. We’ve had instances where people have never used their card, ever and it’s been stolen/hacked. |
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IN, USA
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Posted: 11/21/2023 11:41:54 AM EST
[#15]
"just go in and pay cash"
What, and get stuck behind the hoary old boomer bitch who takes 10 minutes to get her daily dose of menthols and cash her pile of scratch offs for a total of $10? Or face down Sleazy Martinez and his roofing crew who is piling shit on the counter and heaven help you if you try to check out and they're still roaming the store for more items? 
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Posted: 11/21/2023 11:57:32 AM EST
[#16]
Quote HistoryOriginally Posted By UnluckyDiablo: When I was investigating how I got compromised on PayPal it came up that they are one of the most compromised services out there. I've never used it since, and wow, no problems. They held a large sum of my money for 7 months, and would not tell me why. |
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FL, USA
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Posted: 11/21/2023 12:53:37 PM EST
[#17]
Quote HistoryOriginally Posted By billclo: I used to have my card hacked like clockwork every 3-4 months. I finally figured out it was at a certain gas station. I decided to try a test, wherein I would only pay cash for gas from now on, regardless of which type of card reader the station had. Guess what? I haven't been hacked in 5 years since I simply went back to paying cash only at gas stations. I don't use my card at restaurants either; its cash only. Once the criminals were arrogant enough to pay for their own car insurance via my hacked card #. We had them dead to rights. We called the insurance company to let them know what was up, but they didn't care and wouldn't release the information as to who did it. The credit card company got involved, same deal. Since the criminal was in Ohio, some fuckery with the laws made it pretty much impossible to go after them. The credit card company was willing to prosecute, but the insurance company (Progressive) wouldn't cooperate at all. Yeah, Amazon can go fuck themselves. My MC got hit up for $1500 in camping gear and I wanted retribution. They wouldn't help me at all. |
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FL, USA
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Posted: 11/21/2023 12:58:28 PM EST
[#18]
Quote HistoryOriginally Posted By UV18: Well, when the Cuban military trains them on how to commit crime why are we surprised. Military training on how to obtain funds illegally part of their curriculum. Then you can flee to the US, claim asylum, and send money back home. But there is more..... We don't have open deportation to Cuba, so they get to stay in the US. Our only saving grace is this- they like to go home. So, when they try and come back into the US, we can deny their entry based upon their criminal activities and their asylum claim is refuted. We had a guy a last year that was a real jerk. Had criminal cases on him in 6 different states and a fed case. He said he was going to visit Mom for Christmas. Got all his travel info and blocked his entry when he tried to return in Miami. It is our only way to lock them out. Quote HistoryOriginally Posted By UV18: Originally Posted By Whiskeyballzzz: Laughing in Floridian... The vibrant islanders from the island South of Key West living in Tampa are experts at their trade. Well, when the Cuban military trains them on how to commit crime why are we surprised. Military training on how to obtain funds illegally part of their curriculum. Then you can flee to the US, claim asylum, and send money back home. But there is more..... We don't have open deportation to Cuba, so they get to stay in the US. Our only saving grace is this- they like to go home. So, when they try and come back into the US, we can deny their entry based upon their criminal activities and their asylum claim is refuted. We had a guy a last year that was a real jerk. Had criminal cases on him in 6 different states and a fed case. He said he was going to visit Mom for Christmas. Got all his travel info and blocked his entry when he tried to return in Miami. It is our only way to lock them out. I deal with them every day and get satisfaction locking them up for new crimes. 5 yrs + state incarceration cools them down. |
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Posted: 11/21/2023 1:03:16 PM EST
[#19]
Sounds like a problem with paypal holding it's users hostage. Glad you mentioned it.
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USA
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Posted: 11/21/2023 1:11:12 PM EST
[#20]
PayPal.....debit card, I feel your pain.
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Posted: 11/21/2023 1:14:43 PM EST
[#21]
Quote HistoryOriginally Posted By zeekh: We've gotten nailed a couple of times at the gas pump. I only use the tap feature now. I exclusively use the tap. |
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Posted: 11/21/2023 1:15:01 PM EST
[#22]
Quote HistoryOriginally Posted By BSOG1: dont use paypal Yet every one in the EE wants a PP payment for transactions and get testy when you dont agree. |
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Posted: 11/21/2023 1:23:39 PM EST
[#23]
Quote HistoryOriginally Posted By Tobysi: I had a debit card get hacked and I hadn’t even used it one single time. Opened the account, threw the card in my desk drawer and got notified a few months later someone from across the country had tried to use the card to buy wine. How the hell does that even happen? Happened to me too. I checked and the card was still in the safe, made me think there is a crook at the bank or card company. Maybe they generate random cc numbers and keep trying them until one hits. |
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Posted: 11/21/2023 1:31:12 PM EST
[#24]
Quote HistoryOriginally Posted By Whiskeyballzzz: Yeah, Amazon can go fuck themselves. My MC got hit up for $1500 in camping gear and I wanted retribution. They wouldn't help me at all. |
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USA
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Posted: 11/21/2023 1:33:50 PM EST
[#25]
Originally Posted By OG1: So how can I make 100% sure this does not happen again? First, fuck paypal. Second, to answer your question, set up alerts that you get an email/notification any time the card is used. If you get one when you know you haven't used it, immediately lock the card and call the CC company. |
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Posted: 11/21/2023 1:40:35 PM EST
[#26]
Quote HistoryOriginally Posted By Tao: First, fuck paypal. Second, to answer your question, set up alerts that you get an email/notification any time the card is used. If you get one when you know you haven't used it, immediately lock the card and call the CC company. Quote HistoryOriginally Posted By Tao: Originally Posted By OG1: So how can I make 100% sure this does not happen again? First, fuck paypal. Second, to answer your question, set up alerts that you get an email/notification any time the card is used. If you get one when you know you haven't used it, immediately lock the card and call the CC company. |
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Posted: 11/21/2023 1:47:56 PM EST
[#27]
Quote HistoryOriginally Posted By Villafuego: Exactly .....your time could be much better spent on the phone with your bank or CC company trying to get the fraudulent charges on your newly compromised card reversed. I never pay at the pump ..... Quote HistoryOriginally Posted By Villafuego: Originally Posted By gtsteve03: Originally Posted By FlashMan-7k: Originally Posted By zeekh: We've gotten nailed a couple of times at the gas pump. I only use the tap feature now. You can also suck it up and just know how many gallons you need and go pay inside. Why waste the time going inside and waiting in line? Exactly .....your time could be much better spent on the phone with your bank or CC company trying to get the fraudulent charges on your newly compromised card reversed. I never pay at the pump ..... I've never had to call the CC company. They always call me and notify they see suspicious transactions and want me to verify them. Every time they call it is indeed fraud and I just have to shut the card down and they send a new one. Total phone time five minutes. My companies are very good at detecting fraud and it's getting better all the time. I do use the tap feature as much as possible and only use my Apple card for online purchases. It auto rotates the CVV and I can rotate the whole card number whenever I want. |
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USA
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Posted: 11/21/2023 2:06:37 PM EST
[#28]
I use Apple Pay whenever possible. Putting my card in any machine is a last resort. If I have to do that it’s a credit card.
I’ve had credit and debit cards compromised. Both had my money back instantly. It’s really not a big deal. But if I can avoid the headache then Ill do what I can to do so. Been meaning to get an Apple Card. It would be nice for places where Apple Pay via my phone won’t work because the machines are jacked up (most gas stations around here) |
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Posted: 11/21/2023 2:15:23 PM EST
[#29]
Maybe I missed it but OP you don't have alerts set up on your cards? You should enable them so you receive a text every single time a charge is made. You simply cannot stop the fraud 100% but you can absolutely limit it with simple things like alerts. You get one for a charge you did not make, immediately report the fraud and get a new card.
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KY, USA
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Posted: 11/21/2023 3:06:07 PM EST
[#30]
Set up text alerts for every single charge. Simple.
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