Pets.ca - Pet forum for dogs cats and humans 

-->

I got ripped off!

Tundra_Queen
July 24th, 2009, 05:31 PM
I opened up my visa statement today and couldn't believe what I saw. I kept saying Oh Nooo Oh Noooo over and over.

I had 4 charges on my visa for online poker for over 900.00 freaking dollars! I don't even know how to play poker and I can't figure out how whoever this #$*%* is got my number! This is over half of our monthly pension!! :yell::yell: Needless to say, my heart has not been good today! *ugh*

I called Visa and they are going to look into it. They said they left us a message but we never got it. Luckily they finally froze the account. But I'm so upset! Was it someone that was in my house that did it? Who?

I've had a couple of Trojans on my computer in the past couple of weeks and what happens if they took my IP# and used it as theirs when they were losing at poker? Then I will have to pay for this!! I have been going without for months trying to pay off my Visa and now this happens! I just feel sick.


Debbie

Dracko
July 24th, 2009, 05:46 PM
Not sure what bank you deal with but I know one time I had charges for a hotel stay in GERMAN (I live in Canada) and phone charges from Ontario on my card. Visa credited it all back to me no problem.

Another Visa had online charges for music and such and they took care of that no problem and caught it before I even received a statement. They called me to ask if I had charged the stuff because I'd never done so in the past.

I would feel pretty confident it will all be taken care of. :thumbs up

Oh and they could have gotten your number from all kinds of sources. A biggie is when you use your card and it's shown on the slip they take. Where I used to work we had 9 of 21 Visa numbers stolen. We all felt it was someone at the hotel we stayed at for meetings as we are all from across the country so what are the chances that many numbers could be taken at one time?

CearaQC
July 24th, 2009, 06:10 PM
Does it have a RFID chip on it??

http://www.popularmechanics.com/how_to_central/technology/4206464.html

If people carry around their cards and passports with RFID chips, there are people with little machines that can "read" your card without you ever knowing about it.

Either leave RFID stuff at home or there's a product out there that shields RFIDs from being read from a distance.

http://www.youtube.com/watch?v=o8uDwHL_uuQ

sugarcatmom
July 24th, 2009, 06:26 PM
I just had this happen to me last week, except the perp only charged $180 to my Mastercard (also online gambling - maybe my thief was a better poker player than your thief? :laughing:). Apparently the modus operandi is to put through only 4 or 5 charges on the "stolen" credit card number and that's it. My husband also had his Visa scoped about 2 months ago, and someone charged about $600 on 5 separate occasions for some Microsoft products (considering we're Mac people, this was very uncool). Anyway, in both situations, the credit card companies reversed the charges, so I wouldn't worry about that part.

What I found interesting is that with Visa, my husband had to get a new card right away, but Mastercard seems pretty blase about it. No new card for me, and they acted like this happens all the time. Which it probably does. Here's a link to a recent bust in Edmonton where 4 people were found with 100s of stolen credit cards and potentially hundreds of thousands of credit card numbers. http://www.cbc.ca/canada/edmonton/story/2009/07/13/edmonton-credit-card-charges.html

edwina
July 24th, 2009, 06:48 PM
I've had a couple of Trojans on my computer in the past couple of weeks and what happens if they took my IP# and used it as theirs when they were losing at poker? Then I will have to pay for this!! I have been going without for months trying to pay off my Visa and now this happens! I just feel sick. Debbie

It dont matter whether they used your IP # or not, if you didnt authorize it, then you shouldnt be responsible for it. Most mastercard and visa credit cards are secure, so you usually dont pay for stuff you didnt authorize.

Luvmypitgirls
July 24th, 2009, 08:38 PM
Remember the Columbine shooting a few years ago?
Well someone took my credit card number off a carbon (I don't use cc's online) and ordered several hundreds of dollars of roses to be sent to the memorial.
A FDS (? If I remember the name correctly) florist in the States, thought it was odd and called my Credit card company. My credit card company then called me to see if I authorized the order. I was shocked.
The charge was never applied to my credit card, thankfully. I was a little disgusted that someone would use stolen money to memoralize such a tragedy, in my opinion it added insult to injury so to speak.
I was able to get the FDS florist name and number so I was able to call her and thank her for being so observant and dilligent.

Be sure to ask for the carbon copy of any transaction done with a credit card when it involves those credit card slips.

babymomma
July 24th, 2009, 08:41 PM
Somebody used my moms CC to pay for 400 dolalrs worth of internet porn.. Niether mom nor Dad had anything to do with it..

Not sure how that all worked out after:shrug:

Good luck and i hope you can work that out somehow

Tundra_Queen
July 25th, 2009, 03:24 AM
I just had this happen to me last week, except the perp only charged $180 to my Mastercard (also online gambling - maybe my thief was a better poker player than your thief? :laughing:). Apparently the modus operandi is to put through only 4 or 5 charges on the "stolen" credit card number and that's it. My husband also had his Visa scoped about 2 months ago, and someone charged about $600 on 5 separate occasions for some Microsoft products (considering we're Mac people, this was very uncool). Anyway, in both situations, the credit card companies reversed the charges, so I wouldn't worry about that part.

What I found interesting is that with Visa, my husband had to get a new card right away, but Mastercard seems pretty blase about it. No new card for me, and they acted like this happens all the time. Which it probably does. Here's a link to a recent bust in Edmonton where 4 people were found with 100s of stolen credit cards and potentially hundreds of thousands of credit card numbers. http://www.cbc.ca/canada/edmonton/story/2009/07/13/edmonton-credit-card-charges.html

Visa apparently had tried to get a hold of me, but I never got the message or they didn't wait for the machine to pick up.

I'm just glad they finally froze the account and they are sending me a new card with new number too.

Does it have a RFID chip on it??



I don't think it has one of those chips, it does have an emblem on it but don't know if it's one of those chips.

It dont matter whether they used your IP # or not, if you didnt authorize it, then you shouldnt be responsible for it. Most mastercard and visa credit cards are secure, so you usually dont pay for stuff you didnt authorize.

If they used my IP# then they would think that I was playing online poker on my computer, so they would make me pay as they would think it came from my computer. That's why I'm worried, cause I'm not sure what trojens can do.

I'm just crossing my fingers.

Debbie

aslan
July 25th, 2009, 07:09 AM
Funny I had someone try and put charges through on my Visa 3 days ago, within minutes of the attempt i had Visa phoning me. They hadnt authorized the charges yet and had already canceled my card with a new one on it's way.

Ladies, my ex is the head fraud investigator for Citi Financial and you would be amazed how they can get your number without you even thinking about it.
List of major things not to do...
NEVER hand your card credit or debit to anyone, they have whats called a skimmer which when they swipe your card they swipe it through the skimmer too, then you add info and bam
Do not use the " Front of the line" kiosks at movie cinema's, they can add a keypad over the real keypad and a mini skim over the real one.
Don't use drivethrough bank machines, takes them 10 secs to alter the machine and add a little camera to record your info like pin.

And one of the most important ones...If there is a garbage can sitting near the ATM for you to use to dispense of your transaction record. not the little slot thing but an actual garbage can..DO NOT use the machine. banks don't put out garbage cans.

Tundraqueen, unless you use a wireless router, what it would take for them to get your IP address wouldn't be worth the effort to them. The bank will check into the charges, look at the fact that you have never used this website before and then credit your acct. Don't worry too much.:grouphug:

lUvMyLaB<3
July 25th, 2009, 08:28 AM
You should not have to pay, this has happed to my FIL too. Once I bought a new set of fancy dancy pots and pans. They froze my account and waitied to talk to me because they thought it was unusual for me to charge $2000 in one shot.. Usually they can pick up odd things.

With Visa it is a good idea to get one of those CHIP and PIN cards, so a pin number has to be used, helps with people that steal card numbers..

GOOD LUCK! Hope this is resolved for you soon so you don't have to worry anymore!!

No one wants to steal my credit card anymore.. Funny that, they only want to steal ones that have a lot of credit to use, no one steals mine to pay my bill.. so sad..

CearaQC
July 25th, 2009, 09:32 AM
With Visa it is a good idea to get one of those CHIP and PIN cards, so a pin number has to be used, helps with people that steal card numbers..

No one wants to steal my credit card anymore.. Funny that, they only want to steal ones that have a lot of credit to use, no one steals mine to pay my bill.. so sad..

Not a good idea to have anything with RFID chip. Its a total invasion of privacy in my opinion. PIN numbers are ok because they are a kind of password. But electronic chips? No thanks.

There are reports of people sticking cards with RFIDs into microwaves with a 10 second burst to fry the chip.:crazy:

No one wants to steal ours either, for we have no credit. :laughing:

Masha
July 25th, 2009, 10:02 AM
Don't worry they wont make you pay. Its not usually such a detailed operation where they get both your IP as swell as your VISA. Trojans are very common and its likely a coincidence that both happened at approximately the same time.

Visa is quite good with these fraud charges and i have never heard of anyone paying for a faulty charge that was applied to their account.

Dont worry, Visa doesnt want to loose your business :)

Tundra_Queen
July 25th, 2009, 03:48 PM
Thanks everyone for your kind words and reassurances, u have made me feel a lot better. :grouphug:


Funny I had someone try and put charges through on my Visa 3 days ago, within minutes of the attempt i had Visa phoning me. They hadnt authorized the charges yet and had already canceled my card with a new one on it's way.

Tundraqueen, unless you use a wireless router, what it would take for them to get your IP address wouldn't be worth the effort to them. The bank will check into the charges, look at the fact that you have never used this website before and then credit your acct. Don't worry too much.:grouphug:

Umm, I do have a wireless router. :sad:

You should not have to pay, this has happed to my FIL too. Once I bought a new set of fancy dancy pots and pans. They froze my account and waitied to talk to me because they thought it was unusual for me to charge $2000 in one shot.. Usually they can pick up odd things.

With Visa it is a good idea to get one of those CHIP and PIN cards, so a pin number has to be used, helps with people that steal card numbers..

GOOD LUCK! Hope this is resolved for you soon so you don't have to worry anymore!!



My new card Visa is sending me will have the PIN thingy on it. :)

Debbie