Member - Marquis replied:

Which bank ;)

Member - Beatit (QLD) replied:

G'day Bros,

Its good to hear a good news story on bank for a change. I'd bet Roachie would pounce on this except he's busy camping in the snow.

Kind regards

Member - Oldplodder (QLD) replied:

As you suggest, a friend has two cards for the internet, one with $150.00 limit and another with $1000.00 limit.

agsmky replied:

Mate,

I have a Vis@ debit card which i transfer exactly the right amount of money into when purchasing something.......that way it will not work in most cases.

Annoying though when i purchase something like this and the australian company (with an unsecure site!!) stuffs up the transaction and tries to bill me for more than i asked for. I'm left sitting and waiting for a package to arrive, which doesn't, then i ring them......all hell breaks loose over incompetent staff as they try to blame me for having exceeded my CC limit. How many others have they slightly overbilled/oversupplied and got away with???

Andrew

guzzi replied:

Glad to hear you have a switched on bank and are getting your money back.
This doesnt only happen with cards used on internet purchases, I recently had money charged to a card I have with an account that pays off a loan, the card has never been used for any transactions at all, suddenly Im buying "video's" from the good old US of A to the tune of 300 bucks, very nice.
The cheeky buggers spent less than $50 USD for each transaction so as not to tip off the bank, took a month for me to be aware of it as I only check the statements once a month as the loan repayments are all set to happen automatically and no other transactions happen on this account.
From my POV the only people who know anything about this card is the issueing bank and me, it wasnt me so somethings fishy.
Yes the bank has refunded the money and the charges, watch this space as the letter I received this arvo said this may change upon further investigation.
Let the fun begin................

Bonz (Vic) replied:

(I do not look at dodgy sites LOL)

hmmm I hope you don't include thos one in that description, the site os NOT dodgy....however some of the contributors hahahahahahah I am not so sure hahaha

Good to hear that story, I have had a number of calls from the bank, Which Bank is right, checking ccard purchases, all being in order but its comforting to know theyre looking.

Brew69(SA) replied:

Your credit card details have less chance of being compromised on the net than they do in a normal shop.

Member - Geordie C (WA) replied:

Bros,
I have had the same thing happen within the last week.

My bank called me at home on a Sunday night to ask if I had just made numerous purchases on Pay pall and other payment sites to pay US based internet providers and phone companies (but did not have internet access at home).

They told me that they would cancel the card and stop transactions however several of these have now appeared on my statement. They have assured me that this will be reimbursed once they investigate the fraud.

It is good that they were able to detect these fraudulent transactions and alert me to this. However, it is a worry that the only internet payments that I had recently made were to ExploreOz. I hope that this site was not the source of the compromise. What had you recently used your card for.

Geordie

Member - 'Lucy' replied:

Well you aren't all Robinson Crusoe's on this one as I have been whacked as well.

F r i g g i n dirtbags lobbed in two transactions on Good Friday to our NAB Gold Visa.

One from Bearshare for $4.89 and when it was obvious that it was accepted in came one for $1,389.00 from PayPal.

I spotted it myself about 7 days later by sheer accident, rang the bank and it is now being investigated with hopefully a refund.

I do use the net for purchases and PayPal for payment, however when I checked my PayPal account neither of the two amounts showed anywhere and neither they should as I hadn't purchased anything for those amounts.

The was a mention in the papers in Victoria after Easter that a number of Financial Institutions had been attached via the Internet by Russian Criminal Enterprise alledgedly.

Unfortunately the age old crime of Theft never ceases - just changes its face and method.

Suggest you check your credit card acoounts for an unidentified obscure small amount which could indicate a 'test run' on your credit card account.

ExplorOz Team - David replied:

Bros & Others,

I do not want others to be concerned about using our shop and other systems and I am happy to contribute to this thread and tell you a little more about our security process.

The ExplorOz server uses 128bit SSL security to manage the transfer of card details from your system to ours and in fact we completely remove the card details once the credit card has been processed. All programs we run to process cards use 128bit SSL security and the database is protected by additional access controls and firewalls. To further enhance our security offering we use one of Australia's largest hosting companies (WebCentral) to manage our servers and operating environment. As a further check we have an office credit card that we periodically process through the various stages of our processing and this card which was used in last weeks "test” has had no spurious transactions recorded.

I have placed calls with WebCentral and also Cardlink (the bureau that handles our credit card operations) to ensure that there are no security issues. If you have any issues to report can you please email them directly to me at david@exploroz.com.

The only major consoling factor in credit card fraud these days is that the banks favour the consumer. You may have to get a new card however this should be the extent of the issue.

Exploder replied:

In a recent perches from the U.S, I opted for Western Union Quick pay as it seemed like the safest option, next was a back wire transfer, the company I brought from also stated they don’t use Pay pal and from what I have heard about it that’s a good thing.

Laura B replied:

i have had a rpob recently too....aparrently an american company tried to get quite a few bucks off me....so much that the card was over drawn and the largest amount wouldnt go through.......have had money re-instated and legal action taken by the credit card company's.......

today looked at internet account for c.c and its not adding up - again - im getting sus that its happening again!!!

how do they get our card numbers without haing our cards!!! i never do internet paying with the c.c unless its safe and secured like exploroz etc....

Laura

angler replied:

I have an account that uses a SMS to my mobile if anyone trys to use dollars from my account over the net. When I do a transfer my phone rings and there is a new number that I have to type into the transfer details.

I put a document that arrived on email into my web site some time ago that may be of interest about cards etc.
A quick look will not go astray.

www.bycompass.com

select "of interest"

select "important information"

Hope it works. It's a pdf file so you will need a pdf reader.

Pooley

Laura B replied:

u wouldnt believe it - im on the phone with cc company.....$810.46 has been used between 30th april and 1st may.......8 different transactions......
even with a new card no. they are stil getting me.......2 times in 2 weeks!!!!

im cutting it up!!!!

they say they are protecting us! what a load of crap!!!!

Laura..

Member - Duncs replied:

It is comforting ot know that the banks keep an eye on these things. I have two occasions to thank big compnies for.

One was a mobile phone co. In the days of the old analog phone mine was compromised. The company contacted me and asked a few questions before asking me to change my phone. I took the opportunity to upgrade. When I got my bill I contacted them as they had requested to point out which call I thought were not mine. There were about $6000.00 calls to Indonesia. Despite the fact that we had been travelling for two months and my bill was about triple what it normally is the phone company simply wiped it, including the cost of the new phone. "Thanks for your co-operation" they said.

The other time was filling the tank in Yulara I tried 3 times to get the card to work, then my phone rang. "Are you in Yulara? Are yo trying to buy fuel?" Well yes I replied. It turns out that my card was overdrawn. We had forgotten to transfer funds after buying a new fridge in Alice. After a couple of questions for security purposes I transferred the funds and all was well.

Both times the company alerted me to a problem, or potential problem, and both times tehy were more than helpful in finding a solution.

I know we hate them, but they are not all bad.
Duncs

Steve replied:

Concerns about web credit card usage are understandable. I just find it odd, though, that any sales person in a shop has access to your credit card details once you've used it but nobody bats an eyelid.

ch00k555 replied:

My visa CC was hit twice. One was a mobile phone company and the other was an electricity company both in Sydney. I didn't notice until I decided to check my statements. I discovered that this had been going on for 3 months(pays to check your statements). Anyway I contacted these two companies and asked to speak to accounts and asked them for my account details. They both said you don't have an account with us. I then stated why have your debited my CC for the last 3 months. Both said call you back. I then spoke to the accounts supervisor who explained that the person using my CC has done this before and I will get a full return of the money stolen from me. I asked said supervisors for this person's details so I could commence legal proceedings against him/her. Their replies where " Sorry Sir that is confidential". Criminal wins again. Got my money back though, so I guess I won as well.

Bros 1 replied:

To all who responded,
Thanks for your tips and experiences.
I hope that those who have been stung all get their Oxfords back.
Cheers,
Bros.