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I feel for mrearlygold’s recent experiences with fraudulent purchasers-- I was a victim over the we
Longacre
Posts: 16,717 ✭✭✭
mrearlygold posted a thread a week or two ago about getting bogus cashier’s checks. I was out last week, so I do not know how things turned out. I believe that some coins were actually placed in the mail to the fraudulent purchaser, but hopefully mrearlygold got those coins back.
Over the weekend, I decided to check my credit card statement online. To my horror, I noticed that a very large charge had been made in Ghana (in Africa), and another large purchase in Colorado. Not having been to Ghana (or Colorado for that matter), I immediately called Citibank and cancelled my card.
I have no idea how my card number got “out there”, and I am sure I will never know. Other than enduring the humiliating questions from Citibank (“Are you sure you were not in Ghana on August 3rd, because we are sending you an affidavit to sign to that effect”), the process wasn’t that bad.
To keep this numismatically related, what procedures do you go through when dealing with an unknown coin seller (or an unknown coin purchaser), when the payment will be made using a credit card? Maybe the computer techies on the boards can tell us what to look for before ordering through a website and help us out.
Over the weekend, I decided to check my credit card statement online. To my horror, I noticed that a very large charge had been made in Ghana (in Africa), and another large purchase in Colorado. Not having been to Ghana (or Colorado for that matter), I immediately called Citibank and cancelled my card.
I have no idea how my card number got “out there”, and I am sure I will never know. Other than enduring the humiliating questions from Citibank (“Are you sure you were not in Ghana on August 3rd, because we are sending you an affidavit to sign to that effect”), the process wasn’t that bad.
To keep this numismatically related, what procedures do you go through when dealing with an unknown coin seller (or an unknown coin purchaser), when the payment will be made using a credit card? Maybe the computer techies on the boards can tell us what to look for before ordering through a website and help us out.
Always took candy from strangers
Didn't wanna get me no trade
Never want to be like papa
Working for the boss every night and day
--"Happy", by the Rolling Stones (1972)
Didn't wanna get me no trade
Never want to be like papa
Working for the boss every night and day
--"Happy", by the Rolling Stones (1972)
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I do know this, as I have done it, you can recall Mail you sent before it is delivered:
Recalling Sent Mail before it is Delivered
PM sent !
``https://ebay.us/m/KxolR5
what is "humiliating" about that question?
Liberty: Parent of Science & Industry
<< <i> humiliating questions from Citibank (“Are you sure you were not in Ghana on August 3rd, because we are sending you an affidavit to sign to that effect”)
what is "humiliating" about that question? >>
Because after they ask you once, they ask again with a veiled hreat, as though you aren't being honest. Like you wouldn't know that you'd been in Ghana.
I think PO'd is a more appropriate feeling than humiliated, however.
BANK CHECK FRAUD-Russel Harrison and other LOWLIFES
Wow, ghana eh? Is that a new scam? Sorry to hear about your trouble on that.
Coin's for sale/trade.
Tom Pilitowski
US Rare Coin Investments
800-624-1870
most people think being online with a CC is not safe, well think again.
it is that dinner in a new restaurant/bar that will screw you when a waiter
with nothing to lose decides to write it all down.
<< <i>your info was probably taken while you were eating in a restaurant/shopping.
most people think being online with a CC is not safe, well think again.
it is that dinner in a new restaurant/bar that will screw you when a waiter
with nothing to lose decides to write it all down. >>
I think this is where it happened. I vacationed a few weeks ago at a very picturesque seaside town on the East coast and went to lots of restaurants. The fraudulent charges happened during that time.
Didn't wanna get me no trade
Never want to be like papa
Working for the boss every night and day
--"Happy", by the Rolling Stones (1972)
Regarding earlygold, this happens quite often. The "fake" cashiers check. They will say they want you to ship as soon as you get it, or even SEND A LARGER CHECK and want you to send "the extra money in return". I had this happen during a furniture sale, smelled rat immediately, and they got caught in Chicago. I kept stringing them along, that I couldn't wait to send them an extra $2000 for buying my $300 hutch!!!
I think most buyers should be INCREDIBLY patient about receiving their purchases. Whats a month to verify your check cleared or your VISA payment cleared??? The "antcie" ones to me, would be a red flag...
<< <i>To keep this numismatically related, what procedures do you go through when dealing with an unknown coin seller (or an unknown coin purchaser), when the payment will be made using a credit card? Maybe the computer techies on the boards can tell us what to look for before ordering through a website and help us out. >>
As a seller who accepts credit cards on coin purchases, we only ship to the billing address of the credit card, and only after there's been an EXACT match on the address. We will ship to other addresses for established customers (or upon references). For larger sized transactions on new customers, we also have them sign a credit card authorization form (in an attempt to protect ourselves from fraudulent chargebacks).
Common sense rules the day when handling any type of transaction - proceed with caution, and if it smells fishy, it probably is. If we don't feel virtually 100% comfortable with the transaction, we insist on payment via check, money order, cashiers' checks, or wire transfer, and will wait until the funds have definitely cleared (that means waiting 7-14 days on cashiers' checks, not just personal checks or money orders).
<< <i>If Prince Abermasubajoman didn't have your credit card number, how was he supposed to credit you that $5 million in oil profits that he had to help recover after his family was murdered and he was running from what would be false imprisonment? >>
Rob
"Those guys weren't Fathers they were...Mothers."
That's an oxymoron!
NEVER take a credit card from an "unknown coin buyer".
As for YOUR question of "dealing with an unknown coin seller" - why would you care if you know him or not if you're using a credit card with someone for the 1st time?
Other than the possibility of buying from a crook that steals you're card info & runs up bogus charges (which is an EXTREMELY low probability of occurence) and the commensurate hassle with you card issuer, there's really no downside other than the seller telling YOU that you'll have to pay another way.
It's about as likely that that cute little waitress at the Olive Garden steals your card info (and gets away with it) after you pay for your spaghetti than any other method - so don't sweat it.
On a more serious note, CC numbers are more secure online than when you hand someone your card. They can write down the numbers and even scan the card in a handheld card reader. One of the safeguards is merchants should not ship to an address not on file with the card. In any case, you are not on the hook for any CC fraud. The banks would like you to believe you need to worry, since they have to eat any changes they can't recover.
N.B. Debit cards do not have the same protection as credit cards. You MAY be on the hook for charges to one.