A couple of weeks back, somebody cloned my debit card (I'm fairly certain it was skimmed, as the uses were all local) and used it to rack up some fraudulent transactions. Everything's sorted now, but I'd like to figure out how to establish a limited card I could use in cases that are higher risk while minimizing exposure should the card be compromised. [more inside]
The fraud department of a US-based credit card provider and card services provider got in touch with me via Google regarding fraudulent use of their customers' cards on one of my (non-US) employer's websites. I do not understand why they are doing this - surely there is a better way to contact a merchant regarding disputed payments? [more inside]
I had to replace my credit card this week due to fraud. I've received a super basic (no pretty image, no bank name, no chip, etc.) temporary card until my permanent one arrives. Just tried to use the temporary one, and was declined. Called up the credit card company and was told that the purchase was declined by the retailer because the card does not have a chip. Is this correct? Do some retailers only accept chip cards? I actually had to go through this whole new card number process not two months ago, and this was never an issue during that go around (even using it during interstate travel).
Let's say someone has gotten access to your full name, date of birth, city of birth, and signature. Can someone commit fraud with these pieces of information, and if so, how? If not, I'm wondering what else they might try to get. I'm concerned I might be at risk for fraud because someone has snooped around and gotten the above data about me and I just got a bad feeling about them.
A friend of mine has posted on facebook asking people to join a "book exchange" where you buy a book and get "approximately 36" back. This is clearly a pyramid scheme... should I say something? [more inside]
Should I be concerned that I got a genius bar reservation confirmation email for an appointment I never made? [more inside]
I work for a small non-profit that has a correspondingly small ecommerce website to sell our publications. It is the first ecommerce site that my company has ever had, and we're all relatively new to ecommerce in general. We recently started having fraudulent orders going through on the site, and it turns out that our PayPal PayFlow fraud filters were only set to the basic level. We've activated the advanced fraud filters, which now means that any order that meets certain characteristics (such as having mismatched billing and shipping addresses) will be held for review before letting the charge go through. This seems to be working well enough, but what I'm stumped on is what to look for in an order that is held for review. How do I determine whether an order flagged for review actually is fraudulent? [more inside]
Is there any way I can get my money back from a deferred, then cancelled half marathon, with no 2016 date? [more inside]
I got the money back from my bank, closed the compromised account and filed a police report. So... what happens now? What will the police do? What else should I do? [more inside]
A friend from out of state (US) has asked if they could use my address to be considered to be in my city's insurance network, thereby saving them a lot of cost. I realize this is insurance fraud. I'm going to turn them down, but what would be the potential ramifications if I didn't?
A while ago, I sold a site to some bizarre sketchy people. I've never been able to understand why they bought it, since they removed all the monetization from the site. Can you help me figure it out? [more inside]
My brother died a little over a month ago. My mom recently went to see a medium who said my brother confirmed something I know to be false. It greatly upsets me that this woman is exploiting my brother('s death) and my mother('s emotional vulnerability). Is there anything I can do? [more inside]
I received a major credit card that I didn't apply for. WTF? [more inside]
Fraudulent charges were made to my debit card. In the end my bank has taken the hit and refunded all the stolen money. However, I’d like to understand how it happened. [more inside]
Two times within a little more than a month--once in early November, and now again today, a credit card of mine has been compromised. It's the same card. I'm lucky that Chase seems to be pretty on top of fraud prevention, but this is mystifying and annoying. How do I figure out what's going on and make it stop? [more inside]
My company is looking for a fraud prevention service to screen users of our eCommerce platform. Difficulty level: Medium sized but very fast-growing, US based, global business. Not retail. Think restaurant or hotel reservations but with a bit of a twist - users may use our site to make a claim on something, but don't pay for it immediately. [more inside]
A few weeks ago, I got an order confirmation from Verizon for a new account, but I'm not a customer. The order showed an old address of mine, so I called Verizon, and I was told that someone had used my social security number to place the order. The representative told me that the order was pending, and she could mark it as fraudulent and have it stopped. I then took a few extra steps (police report, checking credit, credit freeze) and thought that was all I could do for now. But I just learned from someone at my old address that I got a bill for the phone line, and paperwork showing everything went through. [more inside]
My mother has been getting calls from some organization calling themselves nothing other than "CCA" claiming to want to talk to me about a "personal matter". Some preliminary googling reveals a few credit collection agencies by that name. I can't think of any outstanding debts that I would have, and last time I checked my credit report (about a month ago), there were no derogatory remarks. On the other hand, my old insurance company had a data breach, so if someone is running around stealing my identity, I would really like to know! [more inside]
This has been happening for a while, and since I haven't seen any actual transactions shown in bank / credit card statements, I've just cancelled every order that came my way - until today, when somebody ordered from Checks Unlimited! (but still sent to my old address under my name?! WTF) [more inside]
My one debit card and one out of four credit cards are continually subject to fraud charges no matter what I do. Why is this and what can I do to prevent it? [more inside]
I purchased some property a couple of months ago. One of the documents recorded with the county doesn't match the document I have (that I walked out of closing with). I think the Notary forged my signature after the fact. What should I do? [more inside]
Two days apart, while on vacation, I received gmail welcoming me to Instagram, then Uber, both of which I do not have accounts with. Should I assume that my gmail was compromised, and if so, what should I do besides change my gmail password and monitor my credit? [more inside]
I received a sealed, empty, business-size envelope in the mail from a non-Googleable entity called "Buy3rzParadise" claiming to be located in the Galleria in Atlanta. It had a USPS First-Class Package sticker deliberately stuck onto it (with a tracking number, which says it was sent from Oakland) that says the "package" weighs 4oz. This seems like Amazon/ebay fraud, but I haven't ordered anything from Amazon/ebay that hasn't arrived. I've also only lived at this mailing address for a few months. [more inside]
This is a follow up to this question. After My friend did more digging it turns out he was a victim of identity fraud and his bank account was emptied by the culprit making max ATM withdraws everyday over a period of two months. HSBC is not helpful in recovering the funds. Can you please help recommend a lawyer who would be useful in pursuing these stolen funds? Thanks
For a month now I have been involved in a Kafkaesque nightmare with a local hospital billing department. I am convinced that they have a thief in their employ but I cannot figure out how to convince them of this or to positively make my case. [more inside]
We've been overcharged by thousands by a service provider that can't refund the charges immediately, but wants to pay us back over time. We paid via credit card, but doing a chargeback would likely put the provider out of business. What is the right thing to do? [more inside]
A fraudulent order was placed on Apple online store using partners credit card, contact info, and secondary/Apple ID. Please help use figure out how and why this happened, and what else we need to do to protect ourselves. [more inside]
I'm looking for examples of internet amateur detecting and/or exposing crimes, frauds, etc., ideally through fora, but also blogs or mailing lists. For example, MeFi's Kaycee Nicole work, or (as a negative example) Reddit's misplaced accusation in the Boston Bombing. The more direct links you can provide, the better.
I recently applied for an apartment my roommate and I found by ourselves. A locator service we did not use contacted me and told me I could get a $400 rebate if I told the complex I found the listing through the locator's website. I think if someone actually did this, it would be fraud, and I think maybe I ought to report this service for attempting to get me to do this. [more inside]
Someone ordered a bunch of stuff online using my credit card number and then had it shipped to me. I just don't understand this scam. Any idea what is going on here? [more inside]
Can you help me figure out why a random realtor keeps mailing me letters claiming to know my dad? And what is the best thing to do in response? [more inside]
My wife and I awoke to a bunch of emails (and now calls) from mortgage companies responding to "our" request for information about a refinance. The calls and emails are frustrating in themselves, and, of course, it's off-putting to think someone has done something untoward with our information. Has anyone else experienced this? Details inside. [more inside]
I lost my debit card in a crowded bar/concert venue and someone used it to withdraw cash from an ATM twice. How were they able to do this? I can't think of a scenario where they could have figured out my PIN. [more inside]
With recent purchases at Walmart I've noticed something odd. Despite hitting the "credit" button on the keypad when swiping my Visa Debit Card, my receipts list "EFT Debit" instead of listing it as a Visa transaction. What has me concerned is that during these transactions, I don't get asked for my Debit PIN. [more inside]
My credit card was stolen, again, for the fifth or sixth time this year. What gives? [more inside]
My industry has just had a Black Swan event and has entered a period of systemic risk. [more inside]
I believe I've just thwarted a scam being attempted in my name with my credit card. I have several questions about this: 1. Have I understood the scam correctly? 2. Does the scam have a name or is it something new? 3. Who should I report this to? 4. What steps should I take to protect my identity? [more inside]
Several roommates and I moved out of an apartment in DC this summer that is owned by a large corporate company (coughAvalonBaycough). We’d been in the apartment for almost four years. Before we moved out, staff from the building signed off on paperwork stating that there was no visible damage. A month later we get an incredibly bogus set of damage charges from the building for nearly $1,000. We already got our security deposit back, but they’re threatening to send us to collections over these new charges. [more inside]
Asking for a friend: looks like an ex has gotten an apartment in Chicago using my friend's name and credit. What should he do? [more inside]
I believe that bank account and routing information is sufficient to initiate a bank draft or electronic debit of one's bank account. I had always assumed that to be true, but my boss found the information alarming and wants to secure our accounts. I'm ... not sure it can be done. Can anyone explain how it works and why that system isn't more frequently abused? [more inside]
My partner and I currently live in PA. Before moving here from CA, my partner sold a vehicle to a private party (I was not a part of this transaction). That guy never registered the vehicle and collected a ton of tickets.. which he never paid. The state of CA just auto-deducted over $800 from his bank account to cover these tickets. Rent is due next week, and our landlord is kind of a drag. We're a little overwhelmed. This is terrible! What happens now?
Today I was shopping at Walmart and was accused of coupon fraud and stealing merchandise while using valid manufacturer's coupons. I feel as though the way I was treated was unacceptable, but I'm not sure if I'm the one in the wrong or not. [more inside]
Credit card stolen -- How to update my accounts quickly with less tedium? [more inside]
I just got notified about suspicious credit card activity that is indeed not me. Talked to my bank and all is good. But what boggles me is how this even happened. I have my credit card with me right now (not stolen/lost). The purchases that were made also seem to have required a physical card (gas station, fast food restaurant, home supplies store, etc.). So how was it even possible for the fraudster to make physical purchases without an actual card? As far as I know, whenever you make a purchase offline, you have to swipe a physical card, correct? I am bewildered and now highly paranoid. I just want to know so I can be more aware and hopefully prevent something like this from happening again.
Say I have a 2500$ deductible, and I get blood work totaling over 2500$ which the diagnostic company has billed the insurance company for, but agreed not to bill me for ... [more inside]
I had to get a new card on Saturday. On Monday, I purchased something on the internet. Today, someone spent 1300 of my bucks on something called "educational services" in New Delhi, while I sit here on the east coast of America. The bank says not to worry. But should I? [more inside]
My company and industry is under widespread and sophisticated B2B wire fraud attack. Help me locate the vector or mechanism, please. [more inside]
I am interested to read some commentary / discussion / critiques / first-person accounts about social climbing in our current society (preferably U. S. based). About both sides of the coin - people who are either successful or unsuccessful at navigating a change from lower-class to upper-middle-class, or beyond. [more inside]
Main details inside.. but the title pretty much says it. IRS and potential repo men involved. [more inside]
I just discovered 8 fraudulent charges on my credit card statement from September 2013 totaling $933.00. Yes, it's my fault. I should have paid attention to my statement when it came in. My credit union, who is supposed to call us when they notice a suspicious transaction, didn't catch it either because we were not notified. I called my credit union today as soon as I noticed it and spoke to the fraud department. I was unclear from that conversation whether my deadline to report a fraudulent transaction is 60 days or 90 days from the date of the fraud, but either way, I'm past the deadline. Today is 1/25/14, the frauds were committed between 9/6/13 and 9/11/13. I also called Visa. They told me this is between me and my bank. Does anyone know if I have any recourse?