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Credit Card Fraud?
BackroadJunkie
Posts: 3,745 ✭✭✭✭✭
This is sort of a query and a heads-up...
One of my credit cards got hit for several fraudulent charges yesterday, that has been exclusively used at Amazon and the US Mint for the past year. (One fraudulent charge was for a pajamagram. Awwww, nothing says love on St. Valentines day like fraudulent card use, huh?
)
I don't think that I've inputted the CC number at my keyboard in that amount of time either, but I've run scans on both my on-line machines (both light malwarebytes scan and a deeper scan by my security suite) and they come out clean.
So I'm assuming they got the CC number from a compromised vendor database (most likely Amazon or PFSWeb), or Capitol One itself has been compromised. I suppose it's possible that I used the card at some other vendor (over a year ago) that got compromised, but I find that unlikely. My statements on that account are electronic, so stealing a bill via the US Mail is impossible.
These charges were just posted today. (Well, yesterday now. I check my accounts every morning.)
Did anyone else get hit by bogus charges? (And you might want to keep a closer eye on your accounts for the next few days, just in case it was PFSWeb at fault...)
Thank you. You may now return to your regularly scheduled broadcast, already in progress...
One of my credit cards got hit for several fraudulent charges yesterday, that has been exclusively used at Amazon and the US Mint for the past year. (One fraudulent charge was for a pajamagram. Awwww, nothing says love on St. Valentines day like fraudulent card use, huh?
)I don't think that I've inputted the CC number at my keyboard in that amount of time either, but I've run scans on both my on-line machines (both light malwarebytes scan and a deeper scan by my security suite) and they come out clean.
So I'm assuming they got the CC number from a compromised vendor database (most likely Amazon or PFSWeb), or Capitol One itself has been compromised. I suppose it's possible that I used the card at some other vendor (over a year ago) that got compromised, but I find that unlikely. My statements on that account are electronic, so stealing a bill via the US Mail is impossible.
These charges were just posted today. (Well, yesterday now. I check my accounts every morning.)
Did anyone else get hit by bogus charges? (And you might want to keep a closer eye on your accounts for the next few days, just in case it was PFSWeb at fault...)
Thank you. You may now return to your regularly scheduled broadcast, already in progress...
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There we no charges posted and I use it other places.
Maybe the mint got hacked:
Maybe the mint got hacked:
That's why I'm posting this here.
The Silver Twain Commems go on sale today, and am getting twitchy about adding another credit card on a vendor's site that could be compromised. (My original card has obviously been cancelled...)
If a lot of people here have had recent credit card problems on the card that they use with the mint, I can wait on the MT Commems.
Last week, I got three cards totaling $20K for a guy in Mass. Started recieving mail for two others (NYC and LA). It's rampant. All my neighboring business's are getting the same. At least a dozen victims and likely more. Had a guy stealing mail a few months ago, so maybe somebody is dumpster diving? The crooks get your info, order the cards, and do a redirect of the mail via USPS change of address. You wont ever know until it's too late.I go to the local PD and they just don't care. I located my three victims via google and Facebook and informed them of their identity theft. That in itself is pretty frightening.
You should contact the issuing bank. If you read security journals these days, Visa and other issuing authorities are able to isolate fraud faster than merchants these days...
My issue comes from fraud on a long established card, not used with any new merchants for just over a year. Only Amazon and the Mint.
Now that I've thought about it, it could be from another merchant who I haven't bought from in a long time, but still had this CC on file and got their customer base compromised.
Well, the bank is investigating. I guess I'll buy those Twain commems today...
Oh-and this card is a new card in that it has that new chip for extra protection.
The previous card I had for 2 years and no chip (also only for usps) and never had a problem
Been hit a few times, over the years. Don't know how a few got away with it, but that's the cost of living.
Yeah, I know, but that doesn't mean I'm not wishing bad tidings on the perp.
I wonder who the lucky recipient of the pajamagram was supposed to be.
HAhahahaaha...
Lance.
It is the card we use for Amazon and US Mint.
Thank you for the heads up though!
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All of my collection is in a safe deposit box!
Checked my card related to the US Mint and so far nothing. Same with the Amazon card.
Thank you for the heads up though!
Likewise..(Chase Visa) used for both.
Credit Card companies like you to believe that your should be worried (so that you protect your card) but the real liability is with them, so they are happy to get you to help with that.
I admit, it is a hassle to report it, and resetting up reoccurring payments on it. But the financial liability is zero, and does not mean they get info like your SSN etc.
My wife used our card at a local gas station. Turned out there was a "skimming" device attached and within two days we had several fraudulent charges. Very sneaky units. Almost no one notices.
Lance.
That's why it's smart to always pay inside. Pay at the pump, get ripped at the pump.
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I have a card on file at the US Mint and I received a notice from the issuer saying the card may have been compromised and they are sending my a new account. There we no charges posted and I use it other places. Maybe the mint got hacked:
It's a royal PITA when the CC Company cancels an account, esp. when it has recurring auto charges. I have one card that I use for that purpose and little else. I'm glad B of A is looking out for my account tho.
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Since crooks can't encode their own magnetic stripes anymore (and they still have access to account numbers) they have to go the Card Not Present (CNP) route and steal online and mail order.
My wife used our card at a local gas station. Turned out there was a "skimming" device attached and within two days we had several fraudulent charges. Very sneaky units. Almost no one notices.
Lance.
Read and be amazed...
All About Skimmers
So basically your risk is zero, what are you worried about when using another card? The hassle of cancelling it? Not like you can get stuck for any of the charges?
I admit, it is a hassle to report it, and resetting up reoccurring payments on it.
The first is this.
The second is you don't know where the compromise came from. A vendor, or did something get into your system and somehow logged a credit card number. Should you have somehow gotten a keylogger on your system, typing in a new credit card will certainly compromise that card too.
The third is having that credit card down and unavailable until a new one is issued. I can stand having one CC down, but having a second down would be a royal pain. I only have three of 'em, and each is used for specific purchases.
BackroadJunkie, do you carry the card around with you? The reason I ask is there are 'portable scanners' that can get the cc info if they are within 2 feet of the card. It could be someone standing next to you in a line.
No, this particular card has never left the house. (Used for web purchases only.)
Besides, field scanners can't get the CVV on the card, which is also needed for most internet purchases. (It's not supposed to be stored with the transaction, either, but that was commonly ignored by many a merchant.)
There was a shift in liability from the CC issuers to the merchants back in October 2015 if the merchants didn't switch to terminals that use Smart Cards (aka EMV and Chip & PIN).
Since crooks can't encode their own magnetic stripes anymore (and they still have access to account numbers) they have to go the Card Not Present (CNP) route and steal online and mail order.
I have yet to get a chip card for my Chase Bank CC account.
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This card was used at both amazon and for mint subs. as others above have described, though of course I can't be 100% certain it was at one of these two places where the issue arose, but I highly suspect it is so.No fraud as yet on the card, supposedly it was only compromised. However they are sending out new card.
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Don't think there was any fraud, though. I think I know where the blame properly lies.
One thing I do that others may find useful: I use a card which offers the ability to generate virtual account numbers. These are one-use numbers that you can setup with both time and dollar limits. I do this for all my online purchases. If the one-use number gets stolen, my main account is not compromised.
I don't want to shill for Citibank, but the card I use for this purpose is a Citi Double Cashback card. Virtual account numbers and 2% back on all purchases is a good deal for me.
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Just got hit at 3:30AM this AM on my Visa. Charge made by Douglasfair, Mobile Al.
It is the card we use for Amazon and US Mint.
I missed this post. (I should pay more attention.
You had your credit card compromised the same day?
That is really scary.
Are you talking about the skimmer page?
I found out very early about skimmers, as they were being hard hit down in Florida (where I frequently travel.)
I inspect every ATM and gas station pump card reader I use. I've also taken to shielding the keypad when I use it. I never use a third party ATM, such as those in convenience stores.
It's also why I check all of my accounts and balances every morning...
There was a shift in liability from the CC issuers to the merchants back in October 2015 if the merchants didn't switch to terminals that use Smart Cards (aka EMV and Chip & PIN).
Since crooks can't encode their own magnetic stripes anymore (and they still have access to account numbers) they have to go the Card Not Present (CNP) route and steal online and mail order.
I have yet to get a chip card for my Chase Bank CC account.
They automatically sent one to me, but I think that was because of Target. Maybe Home Depot.
It came via FedEx. Had a standard label.
Here's where it gets weird.
The company that sent it, nor FedEx, has any record this package was ever sent. No packing slip in the box, no paperwork of any kind. I checked with my credit monitoring people, and no new CC accounts have opened in my name.
So I'm sorta waiting for the other shoe to drop. Gosh, I hate living in exciting times.
OT. Sorry about that. We now return you to your regularly schedule forum, already in progress...