Current Events > Damn it... Someone stole my credit card info somehow

(+) Yeah! (+)

I left Austin, TX on Monday night and I'm currently in Rock Springs, WY. I have alerts set up on my credit card so that I get a notification on my phone for any transaction over $1. I woke up this morning and saw two transactions at a Shell gas station today: $85 and $84.63.

I locked the card immediately and called Capital One to dispute the charges.

This is the first time this has happened to me. I'm glad I put everything on my credit card these days. It'd suck if they actually got money from my bank account.
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sometimes i think about avoiding places that don't accept apple pay entirely because of this. it's pretty easy to obtain the info on your magnetic strip, i guess criminals install these at gas pumps and atms pretty frequently and they look really legitimate. i haven't even encountered a gas pump that takes the chip yet.
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Kombucha posted...

sometimes i think about avoiding places that don't accept apple pay entirely because of this. it's pretty easy to obtain the info on your magnetic strip, i guess criminals install these at gas pumps and atms pretty frequently and they look really legitimate. i haven't even encountered a gas pump that takes the chip yet.

A gas station is what I'm suspecting as well. The only thing that stands out in memory at the moment is that I filled up my gas station at a different gas station than the few I normally go to a couple weeks ago.
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Kombucha posted...

sometimes i think about avoiding places that don't accept apple pay entirely because of this. it's pretty easy to obtain the info on your magnetic strip, i guess criminals install these at gas pumps and atms pretty frequently and they look really legitimate. i haven't even encountered a gas pump that takes the chip yet.

Yeah, I always tug on the card reader a bit to make sure there isn't a skimmer over it. There's too much of this stuff going on out there.
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CableZL posted...

Kombucha posted...

sometimes i think about avoiding places that don't accept apple pay entirely because of this. it's pretty easy to obtain the info on your magnetic strip, i guess criminals install these at gas pumps and atms pretty frequently and they look really legitimate. i haven't even encountered a gas pump that takes the chip yet.

A gas station is what I'm suspecting as well. The only thing that stands out in memory at the moment is that I filled up my gas station at a different gas station than the few I normally go to a couple weeks ago.

I always look at the ATM or Gas pump before I work with them. The problem is people can hide shit inside the machines. Granted, the latter is always more rare but, it can still happen.
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Always travel with cash for the places that don't do apple/google pay tbh.

Kombucha posted...

sometimes i think about avoiding places that don't accept apple pay entirely because of this. it's pretty easy to obtain the info on your magnetic strip, i guess criminals install these at gas pumps and atms pretty frequently and they look really legitimate. i haven't even encountered a gas pump that takes the chip yet.

Pretty much what I do in that I pay for everything I can with my watch (Samsung Pay). It's both for convenience and added security since my card info isn't actually transmitted to the terminal when I make a purchase.

Indeed, when I check my receipts, the card number is totally different from the real one.
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CableZL posted...

I'm glad I put everything on my credit card these days. It'd suck if they actually got money from my bank account.

LOL enjoy your "provisional credit" and denial letter in the mail.
Kombucha posted...

i haven't even encountered a gas pump that takes the chip yet.

I have at a Speedway. Problem is the idiot employees never turned the chip part of the reader on so when you put your card in it just reads the magnetic strip.
Master_Bass posted...

Yeah, I always tug on the card reader a bit to make sure there isn't a skimmer over it.

LOL if there was a skimmer on it and they saw you tugging on it you would be the one taken away in handcuffs.
Super Saiyan 3
Goku posted...

I pay for everything I can with my watch (Samsung Pay). It's both for convenience

LOL how is having to charge another device every day convenient?
CableZL posted...

I have alerts set up on my credit card so that I get a notification on my phone for any transaction over $1

LOL you must get a lot of alerts then. How bout you put the smartphone down and pay with cash then you don't have to think about the transaction ever again.

a few months ago, I got some fraudulent charges on my debit card, but they were for some sites that really didn't exist, and one from "Facebook Advertising"

they took around $2,000 from me.

luckily the bank gave me my money back as they did their investigation, and they concluded that I wasn't lying
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CharlesBronson posted...

CableZL posted...

I'm glad I put everything on my credit card these days. It'd suck if they actually got money from my bank account.

LOL enjoy your "provisional credit" and denial letter in the mail.
Kombucha posted...

i haven't even encountered a gas pump that takes the chip yet.

I have at a Speedway. Problem is the idiot employees never turned the chip part of the reader on so when you put your card in it just reads the magnetic strip.
Master_Bass posted...

Yeah, I always tug on the card reader a bit to make sure there isn't a skimmer over it.

LOL if there was a skimmer on it and they saw you tugging on it you would be the one taken away in handcuffs.
Super Saiyan 3
Goku posted...

I pay for everything I can with my watch (Samsung Pay). It's both for convenience

LOL how is having to charge another device every day convenient?
CableZL posted...

I have alerts set up on my credit card so that I get a notification on my phone for any transaction over $1

LOL you must get a lot of alerts then. How bout you put the smartphone down and pay with cash then you don't have to think about the transaction ever again.

UUA
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You're lucky Boxinton, that shit happened to my brother 11,000 dollars gone and the bank said they didn't do anything wrong so they won't be giving him back his money and refuse to investigate the theft and because we're too poor to afford fighting it in court my brother has to just accept it, even sadder, despite my advice he won't change banks.
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Asherlee10 posted...

Obviously, CharlesBronson is a gimmicky-troll account.

*checks under her dress*

Yeah she's.... mostly clean.
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tremain07 posted...

You're lucky Boxinton, that shit happened to my brother 11,000 dollars gone and the bank said they didn't do anything wrong so they won't be giving him back his money and refuse to investigate the theft and because we're too poor to afford fighting it in court my brother has to just accept it, even sadder, despite my advice he won't change banks.

lmfao using debit cards in the year 2018 AD
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tremain07 posted...

You're lucky Boxinton, that shit happened to my brother 11,000 dollars gone and the bank said they didn't do anything wrong so they won't be giving him back his money and refuse to investigate the theft and because we're too poor to afford fighting it in court my brother has to just accept it, even sadder, despite my advice he won't change banks.

man, that sucks.

all I did was call the bank after I saw that I was missing a bunch of money, and that was basically it.

I thought that our money is supposed to be insured up until a certain amount, but maybe I'm wrong.
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boxington posted...

tremain07 posted...

You're lucky Boxinton, that shit happened to my brother 11,000 dollars gone and the bank said they didn't do anything wrong so they won't be giving him back his money and refuse to investigate the theft and because we're too poor to afford fighting it in court my brother has to just accept it, even sadder, despite my advice he won't change banks.

man, that sucks.

all I did was call the bank after I saw that I was missing a bunch of money, and that was basically it.

I thought that our money is supposed to be insured up until a certain amount, but maybe I'm wrong.

You might be thinking of it being FIDC insured, which basically protects your money up to a certain amount ($250,000 I believe). But I think that limited to the scenario of the bank failing, not necessarily having anything to do with this type of situation.
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SK8T3R215 posted...

lmfao using debit cards in the year 2018 AD

How did you know he had a debit card?
boxington posted...

tremain07 posted...

You're lucky Boxinton, that shit happened to my brother 11,000 dollars gone and the bank said they didn't do anything wrong so they won't be giving him back his money and refuse to investigate the theft and because we're too poor to afford fighting it in court my brother has to just accept it, even sadder, despite my advice he won't change banks.

man, that sucks.

all I did was call the bank after I saw that I was missing a bunch of money, and that was basically it.

I thought that our money is supposed to be insured up until a certain amount, but maybe I'm wrong.

That's what he did, he called them and told them that wasn't him, they agreed yet they still refused to refund him pretty much saying they'd give him a new card, which they did, but they aren't reimbursing him for his lost money, which is fucking bullshit. It's like the know he's in no position to fight them because lawyers are expensive and he can't afford the court costs.
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A coule weeks ago someone used my card to order a bunch of damn shoes. Got a phone call asking me to verify the online payments. It was obviously fraud but it looks like Visa took initiative and denied the charge outright on the asshole with my info.

Still not fun because this is my 2nd fraud case in as many years and i really dont want a record for this.
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tremain07 posted...

That's what he did, he called them and told them that wasn't him, they agreed yet they still refused to refund him pretty much saying they'd give him a new card, which they did, but they aren't reimbursing him for his lost money, which is fucking bullshit. It's like the know he's in no position to fight them because lawyers are expensive and he can't afford the court costs.

What bank is this? How far did your brother escalate?

It's not hard to sue in small claims. Granted most have a limit of $5k, but after escalation to the highest point, I would at least recover that. Your county might even have a higher limit.
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tremain07 posted...

How did you know he had a debit card?

tremain07 posted...

they won't be giving him back his money

Debit cards deduct directly from your bank account, if this was a credit card he would have those charges on a statement.
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DoctorVader posted...

What bank is this? How far did your brother escalate?

I can't remember at the moment but all he did was call and say it wasn't him, they know it's not him and considering how passive his personality is, I think he just gave up after they told him "No, we're not giving you your lost money back" and since he's the type who just wants things to be over he probably just accepted it as.
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SK8T3R215 posted...

tremain07 posted...

How did you know he had a debit card?

tremain07 posted...

they won't be giving him back his money

Debit cards deduct directly from your bank account, if this was a credit card he would have those charges on a statement.

Meaning, the paperwork considers it him and that's just enough for the Bank to laugh and say "tough shit"?
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tremain07 posted...

SK8T3R215 posted...

tremain07 posted...

How did you know he had a debit card?

tremain07 posted...

they won't be giving him back his money

Debit cards deduct directly from your bank account, if this was a credit card he would have those charges on a statement.

Meaning, the paperwork considers it him and that's just enough for the Bank to laugh and say "tough shit"?

Well usually they will waive the liability if you report the charges immediately. How long did he take to report these charges?
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He reported the day he checked his account, it makes no sense, it's like they screwed him and he just took it because he's too passive to get confrontational
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tremain07 posted...

He reported the day he checked his account, it makes no sense, it's like they screwed him and he just took it because he's too passive to get confrontational

When were the charges made that day or weeks ago
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i hope TC catches this son of a bitch credit card thief. make him pay for what he has committed.

after it all. all will have a good laugh after this bastard credit card thief is sent to jail for a few years.
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SK8T3R215 posted...

tremain07 posted...

He reported the day he checked his account, it makes no sense, it's like they screwed him and he just took it because he's too passive to get confrontational

When were the charges made that day or weeks ago

Same day in constant ATM withdrawls of 250 dollars, the max amount of withdrawls on them. It's ridiculous and the thief was caught yet the bank don't give a shit, the piece of shit left my brother 11 dollars because the ATM's don't talk if you have less than 20 dollars.
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tremain07 posted...

SK8T3R215 posted...

tremain07 posted...

He reported the day he checked his account, it makes no sense, it's like they screwed him and he just took it because he's too passive to get confrontational

When were the charges made that day or weeks ago

Same day in constant ATM withdrawls of 250 dollars, the max amount of withdrawls on them. It's ridiculous and the thief was caught yet the bank don't give a shit, the piece of shit left my brother 11 dollars because the ATM's don't talk if you have less than 20 dollars.

You can't withdraw $11K from ATMs in a day lol
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The dude was running all over Dallas doing it, that's how they caught him
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CharlesBronson posted...

LOL enjoy your "provisional credit" and denial letter in the mail.

My credit scores are all over 800.

CharlesBronson posted...

LOL you must get a lot of alerts then. How bout you put the smartphone down and pay with cash then you don't have to think about the transaction ever again.

No thanks, I like building up rewards points. Right now I can take a few $1700 trip. After the points come in from this trip, I'll probably be at almost $2000 in that regard.

Yeah, I do get a lot of alerts, but I'd rather deal with the alerts so that I catch this kind of thing quickly.
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lol ok ATM withdrawal limits are usually like $1,000 or less a day if you go to other ATMs the transaction will be denied. So this guy went around and made 44 different ATM transactions of $250?
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CharlesBronson posted...

Yeah, I always tug on the card reader a bit to make sure there isn't a skimmer over it.

LOL if there was a skimmer on it and they saw you tugging on it you would be the one taken away in handcuffs.

Not if you report it. You know they have surveillance cameras, right?
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SK8T3R215 posted...

lol ok ATM withdrawal limits are usually like $1,000 or less a day if you go to other ATMs the transaction will be denied. So this guy went around and made 44 different ATM transactions of $250?

Yes, what's so hard about this? eleven hundred dollars is easy to take when you go to as many ATMs as this asshole did, didn't even bother to hide his face either.
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tremain07 posted...

SK8T3R215 posted...

lol ok ATM withdrawal limits are usually like $1,000 or less a day if you go to other ATMs the transaction will be denied. So this guy went around and made 44 different ATM transactions of $250?

Yes, what's so hard about this? eleven hundred dollars is easy to take when you go to as many ATMs as this asshole did, didn't even bother to hide his face either.

You said 11,000 originally...this story is making less and less sense
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CableZL posted...

My credit scores are all over 800.

You don't understand. Provisional credit is when they put the stolen money back in your account. But then a month later after they complete their investigation they take the money back out of your account and send you a letter saying your fraud claim was denied.

tremain07 posted...

SK8T3R215 posted...

lol ok ATM withdrawal limits are usually like $1,000 or less a day if you go to other ATMs the transaction will be denied. So this guy went around and made 44 different ATM transactions of $250?

Yes, what's so hard about this? eleven hundred dollars is easy to take when you go to as many ATMs as this asshole did, didn't even bother to hide his face either.

You said eleven thousand was stolen now your saying eleven hundred so which is it?

If it makes you feel better, it's happened to me too. $170 isn't nothing obviously, but it could have been much worse.
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eleven hundred is the same as when you write it as a number isn't it? 11,000 is eleven hundred.
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CharlesBronson posted...

CableZL posted...

My credit scores are all over 800.

You don't understand. Provisional credit is when they put the stolen money back in your account. But then a month later after they complete their investigation they take the money back out of your account and send you a letter saying your fraud claim was denied.

Or it's made permanent if the claim is accepted.
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tremain07 posted...

eleven hundred is the same as when you write it as a number isn't it? 11,000 is eleven hundred.

lmfao YIKES
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tremain07 posted...

eleven hundred is the same as when you write it as a number isn't it? 11,000 is eleven hundred.

lol what do you have a third grade education?

tremain07 posted...

eleven hundred is the same as when you write it as a number isn't it? 11,000 is eleven hundred.

No. "Eleven hundred" essentially means "100, eleven times", or in other words, 11 x 100, or in other words $1,100. That's not the same thing as $11,000
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tremain07 posted...

eleven hundred is the same as when you write it as a number isn't it? 11,000 is eleven hundred.

Come on, man

What the hell
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CharlesBronson posted...

CableZL posted...

My credit scores are all over 800.

You don't understand. Provisional credit is when they put the stolen money back in your account. But then a month later after they complete their investigation they take the money back out of your account and send you a letter saying your fraud claim was denied.

Uhh, no that's not the deal here. It's a credit card, so there's not any actual money to take out. The charges are going to be removed.
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CableZL posted...

It's a credit card, so there's not any actual money to take out.

lol you're delusional. If you don't pay the bill the credit card company will garnish your wages and place liens on your bank accounts until they get their money better put your money under the mattress lol

CharlesBronson posted...

CableZL posted...

It's a credit card, so there's not any actual money to take out.

lol you're delusional. If you don't pay the bill the credit card company will garnish your wages and place liens on your bank accounts until they get their money better put your money under the mattress lol

Quit fucking trolling. You're not even good at it.
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money under the mattress isn't safe either. we could get criminal bastards breaking into the house and they'll take everything not bolted down. even found your money under the mattress we're fucking screwed.
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Happened to me a couple months ago. Person bought a $900 plane ticket and tried to buy $400 worth of Chipotle. Got them denied, locked the card, and was issued a new card that was overnighted free of charge.
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CharlesBronson posted...

CableZL posted...

It's a credit card, so there's not any actual money to take out.

lol you're delusional. If you don't pay the bill the credit card company will garnish your wages and place liens on your bank accounts until they get their money better put your money under the mattress lol

You're not understanding the situation. A charge on a credit card isn't a deduction from my bank account. The fraudulent charges are going to be removed. I'll still be paying for the balance of my other charges like normal.

For example

Fraudulent charges: $170
Total of my purchases: $1850
Total credit card balance: $2020

Total after the fraudulent charges are removed: $1850

I'll just be responsible for the $1850
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CableZL posted...

CharlesBronson posted...

CableZL posted...

It's a credit card, so there's not any actual money to take out.

lol you're delusional. If you don't pay the bill the credit card company will garnish your wages and place liens on your bank accounts until they get their money better put your money under the mattress lol

You're not understanding the situation. A charge on a credit card isn't a deduction from my bank account. The fraudulent charges are going to be removed. I'll still be paying for the balance of my other charges like normal.

For example

Fraudulent charges: $170
Total of my purchases: $1850
Total credit card balance: $2020

Total after the fraudulent charges are removed: $1850

I'll just be responsible for the $1850

No I'm saying the credit card company is going to deny your fraud claim and make you pay those fraudulent charges.