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Identity Theft (WTF)

Old 11-05-2014, 11:52 AM
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Default Identity Theft (WTF)

About a month ago my main business checking account was compromised due to a home depot security breach. It was a real PITA to update all my billing information. Today I get a call that someone in Orlando FL is trying to buy a tank of gas with my credit card. The charge was declined, but now my card is getting canceled a new one will be issued. I will have to update billing information again.

Why is this not considered a violent crime? I can assure you there are victims.
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Old 11-05-2014, 11:54 AM
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Creekman? Is this really you?
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Old 11-05-2014, 11:54 AM
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Scum of the earth.........

I've had my credit frozen with the big three since '09 based on the advice of Clark Howard.

http://www.clarkhoward.com/
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Old 11-05-2014, 11:59 AM
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Originally Posted by creekman View Post
About a month ago my main business checking account was compromised due to a home depot security breach. It was a real PITA to update all my billing information. Today I get a call that someone in Orlando FL is trying to buy a tank of gas with my credit card. The charge was declined, but now my card is getting canceled a new one will be issued. I will have to update billing information again.

Why is this not considered a violent crime? I can assure you there are victims.
Perhaps because there was no violence?

Originally Posted by Ranger88 View Post
Scum of the earth.........

I've had my credit frozen with the big three since '09 based on the advice of Clark Howard.

http://www.clarkhoward.com/
Good advice.
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Old 11-05-2014, 12:41 PM
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Default I thought

That a credit freeze was only good for a years or two.
Can do just one site or do you have to do all the credit reporting agencies?

For a $100 a year what not just sign up for a identity theft reporting company like life lock?
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Old 11-05-2014, 12:42 PM
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Originally Posted by Ronn Burgandy View Post
Perhaps because there was no violence?
Or they were not buying dime bags
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Old 11-05-2014, 01:22 PM
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I've gone through this a number of times. I don't do auto-billing anymore largely due to the hassle of remembering to update.

Most recent incident, I got a call from a PI in Lubbock TX, followed by a call from the Lubbock PD. Apparently, they arrested this woman attempting to make a $10K+ purchase from Best Buy. Our account was accessed, and whoever did it had the email address associated with the account changed (my wife missed this notification), and had a new card issued in this lady's name sent to Lubbock.

Case is still ongoing, but she's facing a felony charge. Good to see at least in this case something is being done.
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Old 11-05-2014, 01:27 PM
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I'd take great pleasure in removing the fingers of the scumbags
That perpetrate cyber crimes.
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Old 11-05-2014, 01:32 PM
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Originally Posted by 29 NORTH View Post
That a credit freeze was only good for a years or two.
Can do just one site or do you have to do all the credit reporting agencies?

For a $100 a year what not just sign up for a identity theft reporting company like life lock?

This avoids the problem, doesn't report it after the fact.

http://www.clarkhoward.com/news/clar...aw-guide/nFbL/
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Old 11-05-2014, 02:23 PM
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I got a call from my bank last week about my business CC. Somebody charged $4.78 on the card then a few seconds later reversed the charges.

I guess they probe card numbers with low charges to see if they will work, reverse the charges and then hammer the card at a later date. Received my new card today, activated it and it was declined. Have to call the bank later tonight.

Major PITA
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Old 11-05-2014, 02:30 PM
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I think all of my cards have been replaced since May. All due to hacking at various retailers.
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Old 11-05-2014, 02:56 PM
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NFCU issues me a new card about every other month. I've only been hacked once. They won't get much anyway but it was an inconvenience and NFCU was great to deal with.

I agree, off with the fingers of cybercriminals!!!
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Old 11-05-2014, 08:06 PM
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Originally Posted by BlueRudy View Post
Creekman? Is this really you?
I'm sorry, I know I shouldn't laugh at other's misfortune, but that comment made me spit coffee on my keyboard.

I don't remember that last time one of my cards actually reached its expiration date - most are compromised and reissued before they ever hit it.

It's hard to catch the criminals for several reasons:

1) there's no value in going after someone who stole 1 card - they need to steal hundreds of thousands before anyone will care.
2) Stealing credit cards is harder to monetize than stealing PII - that's where the money is nowadays.
3) Everyone has their specialty, like in Ocean's 11 - someone skims the numbers, they get purchased, someone else makes fake cards, other use the cards in stores, someone else converts the merchandise back to money, etc. You need to kill the whole thing, not just the person you caught using the fake card.
4) Lots of cc crime occurs overseas, making them difficult to find and prosecute.

Get yourself some clean cards, and then freeze your credit with all three bureaus, or at least put on a 90 day or 7 year fraud alert.

Things will get a little better next year when we start moving to chip and pin like the rest of the world already did.
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Old 11-05-2014, 09:53 PM
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Push for Apple Pay
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Old 11-06-2014, 05:05 AM
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Originally Posted by CME View Post
Push for Apple Pay
NO...push for an Apple Pay type of system (tokenization), or chip and PIN.

Do not give Apple any more damn information/control/power over you than they already have.
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Old 11-06-2014, 06:52 AM
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Originally Posted by 29 NORTH View Post
That a credit freeze was only good for a years or two.
Can do just one site or do you have to do all the credit reporting agencies?

For a $100 a year what not just sign up for a identity theft reporting company like life lock?
Credit freeze is good until you lift it. It costs a few dollars to lift it and you can pick the amount of time it is lifted for. Ive had one for years.and lifted it maybe 3 times for a few days. Its the first thing that you should consider doing to protect yourself. As the other poster said , this protects you from getting screwed where the other service just tells you that you've been screwed or someone is trying to screw you. In practice,the only time you have to lift it is when you are getting your credit checked as in applying for a credit card, mortgage, car/boat loan etc. I'm pretty sure that when you freeze it with one agency, all are included.
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Old 11-06-2014, 11:29 AM
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Originally Posted by yammi250 View Post
Credit freeze is good until you lift it. It costs a few dollars to lift it and you can pick the amount of time it is lifted for. Ive had one for years.and lifted it maybe 3 times for a few days. Its the first thing that you should consider doing to protect yourself. As the other poster said , this protects you from getting screwed where the other service just tells you that you've been screwed or someone is trying to screw you. In practice,the only time you have to lift it is when you are getting your credit checked as in applying for a credit card, mortgage, car/boat loan etc. I'm pretty sure that when you freeze it with one agency, all are included.
Sorry, but absolutely not. You have to freeze it with all three. There is a link in my earlier post with the exact instructions.

BTW, by far the leading victims of identity fraud are children. When you think about it, it's pretty obvious why; cause they're easy targets.

Right now, only a handful of states allow parents to lock their children's identity, but that is quickly changing.
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Old 11-06-2014, 11:33 AM
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Originally Posted by tdager View Post
NO...push for an Apple Pay type of system (tokenization), or chip and PIN.

Do not give Apple any more damn information/control/power over you than they already have.
No need to push for chip and pin, it's coming!
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Old 11-06-2014, 01:21 PM
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Apple doesn't sell your data. GOOGLE DOES!!!!!!
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Old 11-06-2014, 01:40 PM
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I'm too ugly to worry about Identity theft.
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