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Last year someone got my credit card number and tried to subscribe to a porn site. Who pays for porn?
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Sep 25, 2019 17:51
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Sounds like they weren't.
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Sep 25, 2019 17:59
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I had one a couple of months ago, first ever, UK debit card and it got refunded very easily. I only use that card in cash machines and for occasional online stuff, nothing sketchy. Maybe I was skimmed, but I usually check for that and tend to use the same few machines. It happened soon after I'd had a new card and thrown the chopped-up one away, split across two binbags, so it seems relatively possible that someone put the card back together, or at least enough of the bits to make a transaction. Gonna have to cut it way smaller than ~1cm squares and spread it out across several rubbish pickups in future. Pretty crap that it was my biggest transaction in a decade, for a product category I'd never bought before, and they didn't call to check for fraud.
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Sep 25, 2019 18:00
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YeahTubaMike posted:i got an overdraft fee after my card was fraudently charged, and bank of america reversed the charge but not the overdraft fee, so my balance was still like -$30, and then i was charged because my account was still overdrawn Slothful Bong posted:Lol gently caress BoA. Had the same thing happen to me, along with them reordering transactions over the span of ~4 days, meaning my paycheck that was "available" on monday was placed after the transactions I did on tues, wed, and thurs. The only times I ever hear anyone talk about Bank of America, it's stories like this. I don't understand why anyone banks with them. Like what draws people to them? Commercials? I don't get it. bradzilla posted:Who pays for porn? People with access to stolen credit cards.
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Sep 25, 2019 18:00
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I once got a call from the bank because someone was trying to withdraw cash using my card in St. Petersburg, Russia. I actually was there about a week before so it must have been ATM machine skimmer. I was actually impressed how effeciently they intercepted the attempt.
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Sep 25, 2019 18:18
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Xaintrailles posted:I had one a couple of months ago, first ever, UK debit card and it got refunded very easily. You were probably skimmed, nobody is rooting through trash 365 days a year to find a chopped card. I've heard that skimming is way more common in Europe cause it's an organized crime thing. And some of the skimmers these days are pretty drat undetectable. They don't need the false faceplates these days, they put miniature pickups inside the dang card slot. poo poo's tiny.
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Sep 25, 2019 18:22
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Slothful Bong posted:Lol gently caress BoA. Had the same thing happen to me, along with them reordering transactions over the span of ~4 days, meaning my paycheck that was "available" on monday was placed after the transactions I did on tues, wed, and thurs. lol yeah, i was pretty much afraid to have any amount of money -- large or small -- in my checking account. large because it could be zeroed out at any time for any reason, small because some random charge from four days ago could suddenly be approved & cause me to overdraw. terrible. the only thing i miss about bank of america is how easy it was to order international currency. LabyaMynora posted:The only times I ever hear anyone talk about Bank of America, it's stories like this. I don't understand why anyone banks with them. Like what draws people to them? Commercials? I don't get it. i went to college in philly and had a pnc bank account, and i knew i needed to have a less local bank account because i was going to leave philly basically as soon as i graduated. i was a dumb kid.
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Sep 25, 2019 18:47
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BobbyDrake posted:I have to be honest, I’m not sure where anyone gets the whole “debit cards aren’t protected” thing from. It’s because in the very early days of debit cards & ATM’s)early Eighties), debit cards were not covered under the traditional credit-card federal protection laws and it was possible for a lovely bank to be a complete rear end about fraudulent charges. A few years later, federal laws were passed covering debit cards as well, but obsolete/mis-information never dies.
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Sep 25, 2019 18:59
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JnnyThndrs posted:It’s because in the very early days of debit cards & ATM’s)early Eighties), debit cards were not covered under the traditional credit-card federal protection laws and it was possible for a lovely bank to be a complete rear end about fraudulent charges. A few years later, federal laws were passed covering debit cards as well, but obsolete/mis-information never dies. It's still harder/more of hassle to get fraudulent debit charges fixed than fraudulent credit card ones. I know people who had their debit cards used, it wasn't as easy for them as it was for me when my credit cards were used.
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Sep 25, 2019 19:02
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snergle posted:dont use debit cards your on the hook for that poo poo and the bank will fight you to the death to not have to reverse the charges. someone steal your cc info? law says the cc company has to reverse it. gently caress ive reversed poo poo i bought and said my card was stolen. they dont try to fight in any way. The video is pretty long, but it is a fuckin' pro-click. Relevant stuff starts around the 38 minute mark.
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Sep 25, 2019 19:16
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snergle posted:mine was similar. i bought some stuff online and lost my cc soon after didnt remember i bought poo poo and was like cancel this poo poo and gimme a new card. felt bad when i got the items. What prevented you from returning them? Or calling the company and telling them what happened?
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Sep 25, 2019 19:24
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someone stole my credit card and ordered a deluxe fleshlight and it was shipped to my house!!
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Sep 25, 2019 20:42
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When I was in college I had some charges on my debit card I didn't recognize from "COFFEESHOPS" and reported it to my bank. At the time, I was only buying Starbucks Doubleshots from vending machines so there was no reason I'd ever be going to a coffee shop. They said there was nothing weird about the charges but did issue me a new card. About a couple weeks later I realized the charges were in fact me, because I was buying soup at Au Bon Pain when I wasn't drinking Doubleshot for lunch.
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Sep 25, 2019 21:16
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hey op i have advice for you under no circumstances admit to ever sharing your pin with anyone, ever. not your mom not your dog not even your SELF stick to that and you'll get all the money back in about 10 business days  good luck!
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Sep 25, 2019 22:30
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I had unauthorized charges to "craig's list" once my friends informed me craig's list doesn't handle money directly, so whoever was defrauding me was making a donation to the website craig's list, and none of us could think of a reason why they would do that, unless it was craig. so gently caress you, craig
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Sep 25, 2019 23:06
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I don’t know why you would worry about some poo poo that has nothing to do with you. If people make it your problem then it’s gonna be their problem. Pretty simple I guess. If they got a problem with how you spend your money or handle your poo poo too bad, it is literally none of their business. At the end of the day it’s just another huge pain in the rear end to throw someone’s bullshit in the trash for them and get your money back and it shouldn’t be any time or effort in the first place. People can’t sort out something real simple and now you gotta sort out something real complex. gently caress that.
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Sep 25, 2019 23:51
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ClamdestineBoyster posted:I don’t know why you would worry about some poo poo that has nothing to do with you. If people make it your problem then it’s gonna be their problem. Pretty simple I guess. If they got a problem with how you spend your money or handle your poo poo too bad, it is literally none of their business. At the end of the day it’s just another huge pain in the rear end to throw someone’s bullshit in the trash for them and get your money back and it shouldn’t be any time or effort in the first place. People can’t sort out something real simple and now you gotta sort out something real complex. gently caress that. 
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Sep 26, 2019 00:00
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Smackdillion posted:Don't ever. ever. ever. use a bank card as a debit card. Still want to hear about this non-bank debit card! Are you talking only use gift cards? Is this a bitcoin approach?
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Sep 26, 2019 00:52
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ClamdestineBoyster posted:I don’t know why you would worry about some poo poo that has nothing to do with you. If people make it your problem then it’s gonna be their problem. Pretty simple I guess. If they got a problem with how you spend your money or handle your poo poo too bad, it is literally none of their business. At the end of the day it’s just another huge pain in the rear end to throw someone’s bullshit in the trash for them and get your money back and it shouldn’t be any time or effort in the first place. People can’t sort out something real simple and now you gotta sort out something real complex. gently caress that. Uhuh, so true, brother. Hey, stop boggarting puff puff pass bro
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Sep 26, 2019 00:53
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Sprue posted:Uhuh, so true, brother. Hey, stop boggarting puff puff pass bro Hey man, call me Humphrey because I’m bogarting this whole log. 
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Sep 26, 2019 00:59
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I once had a fraudulent charge on a CC for $17 at a Cheesecake Factory in CA about 800 miles from where I live. Bank was chill, new card/refund. I kinda felt more offended than violated. Seriously, $17? What's that, like a slice of pie and a sandwich? I get they test the waters on a card, see if it slips under the radar, but criminy, at least get the whole cheesecake for $50 or whatever.
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Sep 26, 2019 01:21
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Internetjack posted:I once had a fraudulent charge on a CC for $17 at a Cheesecake Factory in CA about 800 miles from where I live. Bank was chill, new card/refund. It was rejected for a case of bud light earlier that night.
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Sep 26, 2019 01:24
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A few years ago my bank called and told me they were cancelling my card and sending a new one because they figured it was odd a dude in his mid thirties suddenly bought a massive tv and spent $4k on Forever21 and other poo poo a teenage girl would buy. Thanks bank.
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Sep 26, 2019 01:34
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I’ve honestly never had an unauthorized charge credit or debit. I’ve been the receiver of 5 hacks, some ranging from target to the OMB. I have 3 credit monitoring services now, not counting my credit unions. I travel for work extensively using AMEX (work) and personal MasterCard because work won’t let me charge food on Amex. Decades of charging poo poo. Across countries. Wtf is up with y’all?
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Sep 26, 2019 01:45
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Burt Sexual posted:I’ve honestly never had an unauthorized charge credit or debit. I’ve been the receiver of 5 hacks, some ranging from target to the OMB. I have 3 credit monitoring services now, not counting my credit unions. I travel for work extensively using AMEX (work) and personal MasterCard because work won’t let me charge food on Amex. Decades of charging poo poo. Across countries. Wtf is up with y’all? I imagine most people are getting skimmed off gas station pumps or something and you've had the fortune of not getting skimmed
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Sep 26, 2019 01:47
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my bank is HYPER vigilant and will shut my card off if I do so much as buy gas at a gas station I have met been to before
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Sep 26, 2019 01:47
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Never had my poo poo skimmed or whatever but my bank did think someone stole my card when I was making a crunchyroll account.
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Sep 26, 2019 01:49
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naem posted:my bank is HYPER vigilant and will shut my card off if I do so much as buy gas at a gas station I have met been to before Theynshut mine down all the time. I’ve given them the permanent all clear for dc travel, but I’m in ny right now and had to call. Text actually
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Sep 26, 2019 01:54
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Burt Sexual posted:I’ve honestly never had an unauthorized charge credit or debit. I’ve been the receiver of 5 hacks, some ranging from target to the OMB. I have 3 credit monitoring services now, not counting my credit unions. I travel for work extensively using AMEX (work) and personal MasterCard because work won’t let me charge food on Amex. Decades of charging poo poo. Across countries. Wtf is up with y’all? First time I'm pretty sure was a gas station skimmer. 2nd time was probably because my wife plugged the card number into some French website to download karaoke tracks (I did not know about this until afterwards). 3rd time was after Equifax, so I just kind of assumed it was that. Oh also, after the Target thing was announced, I went straight to my Credit Union and asked for a new card, so it wasn't that. I check my bank statement weekly, I try my best not to be stupid, but there's just too many vulnerabilities out there. At this point, I'm pretty sure the thieves are more interested in getting the info from improperly secured company servers than they are rooting through my trash or anything.
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Sep 26, 2019 01:55
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Burt Sexual posted:I’ve honestly never had an unauthorized charge credit or debit. I’ve been the receiver of 5 hacks, some ranging from target to the OMB. I have 3 credit monitoring services now, not counting my credit unions. I travel for work extensively using AMEX (work) and personal MasterCard because work won’t let me charge food on Amex. Decades of charging poo poo. Across countries. Wtf is up with y’all? You know people don't intentionally get their credit cards stolen right
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Sep 26, 2019 01:57
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LabyaMynora posted:First time I'm pretty sure was a gas station skimmer. They don’t want to leave the basement either.
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Sep 26, 2019 01:58
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Burt Sexual posted:They don’t want to leave the basement either. Yeah, but, neither do I.
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Sep 26, 2019 02:27
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SnotGrumble posted:The video is pretty long, but it is a fuckin' pro-click. Relevant stuff starts around the 38 minute mark. Good info, but using a credit card to withdrawal cash from an ATM isn't usually a great idea. Most of them have a mandatory 10% charge on cash advances and a much higher APR that starts the minute it comes out.
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Sep 26, 2019 05:06
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