Just got hit a couple of weeks ago. The card company called me and asked about the charges. They had already cancelled the card and I just had to go get a new one from the bank. Seems like it's the new normal these days.
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Just got hit a couple of weeks ago. The card company called me and asked about the charges. They had already cancelled the card and I just had to go get a new one from the bank. Seems like it's the new normal these days.
The larger banks do have groups that do link analysis to identify groups involved in large scale credit card fraud. Big losses get prosecutors interested because they enhance the sentencing potential if they can get a conviction. Banks generally are not seen as sympathetic victims by many juries, so the cases tend to focus on heavy hitters in the fraud business.
If a criminal could just commit one crime and be done, the odds are extremely good they would never be caught and even if they were caught, they probably wouldn't be prosecuted. In law enforcement, almost anyone who makes it through booking and actually faces a trial has either committed a first time major felony, such as murder, rape, etc, or they have been in the system for a selection of crimes in the past, or they are first timers in the system who have committed many crimes and just never been caught before.
We count on the criminals being greedy and stupid. I have rarely been disappointed in my career.
Be safe.
You should be very happy that SHE has a sense of humor and a good credit limit. [ROFL1]Quote:
Originally Posted by ChunkyMonkey
Like others wrote, have a notification sent via email and/or text for any charges over a certain limit (I picked $25 for no particular reason). It comes very quickly for us, like minutes, but I have heard from others that YMMV. This is for our Debit/Credit card from a small credit union.
The only drawback is I do get notified for every singe thing that gets purchased (over $25) and if it looks unfamiliar, local or funny at all (like the seller is "XMY DRF" or "19348189289") I ask my wife if she made any purchases. At first she got annoyed, but after a while she figured it out. Just covering our asses.
My wife got hit while we were on vacation at the lake.
She spent countless time calling iTunes, Google, etc. and the bank and still ended up with a cancelled card. Then she's pissed off at the world.
Happens to her frequently enough that I've tired of telling her to STOP USING A FUKN DEBIT CARD FOR EVERYTHING!
Needless to say, I haven't had a joint account for 20+ years with her.
Sgt from DCSD called me last night... He explained there isn't much they can do and are closing the case. I thanked him and said I expected as much, was just worried about the potential confrontation Weds night at my home.
He said the CC companies aren't helping either because they would rather err on the side of customer privacy than cooperate. Which I appreciate. I volunteered to release all my info in hopes of helping but he wasn't interested. He said they are working several major skimmer rings in the metro area.
BB got their laptop last night and thanked me. Manager said it's only the second time he's seen them actually get a product delivered.
The only times I've had credit card fraud issues have been after buying something from a firearms company online. 3 times in the last 3 years.
Skimmers are obvious... It's actually an additional device attached to the front of the card slot, if you ran your card through a pump with a skimmer and didn't notice something might be up then your situational awareness skills may be lacking.
My Wells Fargo debit card has the same protections as any credit card. They actually called me on the last instance this past spring before I even knew what was going on.
Sent from my XT1650 using Tapatalk
Skimmers are getting very undetectable with thin strips inserted to read the card...Quote:
Originally Posted by def90
http://www.thedenverchannel.com/news...-card-skimmers
Right before going to do the drop location (in this case your house) to pick up the delivered goods, it is best practice to try and buy something else with the card. If card is declined, then you know the drop location is hot - if the card goes through, high probability of getting your stuff.
That said; they had your address. This is not a typical scammer with a skimmer some where. Just because I get your numbers doesn't mean I get your address. The MO here is most likely from an online purchase somewhere/breach, not a skimmer.
Also, for those that think they can find/spot a skimmer - you have no idea just how small, cheap, and invisible these things have gotten to.