Credit Card fraud

Submitted: Monday, Jun 28, 2004 at 22:40
ThreadID: 14214 Views:1654 Replies:22 FollowUps:25
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Just found out I have been fleeced of over $2,000 from my credit card!

I checked my bank account on-line this arvo and noticed several $$$ difference between known transactions and my credit card balance. But the wife was out shopping so put it down to that. Over dinner, between the kids bickering, she mentioned she had only spent ~$80. So, went and checked the balance online, now the difference was over $2,000 !!!

As the alarm bells were still ringing, phoned the bank and had a stop put on the credit card. They kindly checked "my" transactions and after the bank had reeled off 10 or so transactions in the last few hours, it was obvious what was happening. Now, when I asked about who was going to wear the $$, was told to put in a disputed transaction form when I get my next statement and they would judge it on the merits. But was told I "should be OK" ???

Now have to wait 2 weeks for the statement then another wait to see I am in the clear for $2,000+.

So now have no credit card for a week (at end of financial year of all times), and a several week wait before I know I am not responsible for the $2,000. I use on-line transactions frequently, but am very careful that its a secure site and do all the right things by pin numbers etc.. Do not know what I could do to avoid this.

Anyway, have now got this off my chest and just have to wait out the next coupla weeks.

Cheers (definetly time for a drink now)

Captain
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Reply By: Member - Dragan T (VIC) - Monday, Jun 28, 2004 at 22:49

Monday, Jun 28, 2004 at 22:49
Damn! Well did you lose your card? I'm havin' a crownie, join me, can't do much about it now!
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Follow Up By: Member - Captain (WA) - Monday, Jun 28, 2004 at 22:54

Monday, Jun 28, 2004 at 22:54
Nah, still got both cards (mine and wifes). Will have to make do with a mid strength soverign - cheers.

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Follow Up By: GO_OFFROAD - Tuesday, Jun 29, 2004 at 21:26

Tuesday, Jun 29, 2004 at 21:26
The bank can worm its way out as part of the fine print, if you have used any part of your name as a password on your electronic cards.

It is also more dangerous letting the card out of your site, than secure online banking.
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Reply By: rolande- Monday, Jun 28, 2004 at 22:51

Monday, Jun 28, 2004 at 22:51
Captain,
Have the same fears as yourself, probably too late now but I keep another credit card with $400 limit and only use this on-line. If the bank O.K.'s transactions above this then I have more to come back with, it is also used rarely so keeping track a lot easier. I keep all my other transactions to another card, inlcuding paying bills, etc. Because of this have gotten into the habit of going to bank / post office to pay most bills. Hope all works out well for you, keep us informed. Which Bank???
Rolande
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Follow Up By: Member - Captain (WA) - Monday, Jun 28, 2004 at 23:15

Monday, Jun 28, 2004 at 23:15
Hi Rolande,
It was WankBest, I mean BankWest! Will soon see what their 100% No Loss Guarrentee really means.

I use internet banking/payments all the time purely for the convinience. Just do not get the time in working hours to get away to bank/post office. May have to review what i do if this costs me.

Cheers

Captain
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Follow Up By: Member - Jeff M (WA) - Tuesday, Jun 29, 2004 at 14:32

Tuesday, Jun 29, 2004 at 14:32
It's very unlikley it was an internet transaction that caused this, more likely someone picking up a receipt you put in the bin or dropped. That's much easier than spending hours hacking into someone elses secure system.
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Reply By: Member - Meggs - Monday, Jun 28, 2004 at 22:54

Monday, Jun 28, 2004 at 22:54
The bank say you can only be out of pocket by $50, I have never put it to the test. Secure sites are OK but in the end there is a person recieving your numbers and all thay need is your card number, name and expiry date and they are away. I don't know how you can avoid this.
AnswerID: 65605

Reply By: Member - Roachie SA- Monday, Jun 28, 2004 at 23:00

Monday, Jun 28, 2004 at 23:00
Captain,
That's a real bummer, mate.
The bank should cover you for all those dummy transactions; maybe except for $50- (not sure why you should have to pay ANY of it, really).
Did either of you let your card/s out of your sight recently. This can happen if you pay for a meal at a restaraunt (for example) and you put your card on a little silver tray and they take it away to process and bring back the chitty to sign. While it's away they can scan it through a whiz-bang reader and get all the details (PIN etc).
Also, the mongrels have been known to stick a similar gizmo to the front of an ATM, so that it records your PIN when you key it in. Then the ATM seems (to you) to retain your card.....you walk away believing the card has been retained by the bank (cursing cos you've gotta go back tomorrow to get it). In reality, the person waiting behind you or over the road comes along and retrieves the card and the reader device, takes off and spends up big for an hour or 2.
There was another recent scam too where you get a call from "VISA" or M/Card (supposedly, but imposter really). They ask you several questions, including waht are the 3 numbers on the far right side of your card's signature panel. They tell you they are just authenticating that you are the holder of the card. They don't ask you for your PIN. DON'T TELL THEM THE 3 DIGIT NUMBER ON THE BACK!!!

So may mongrels, so few shotguns .....

Good luck

AnswerID: 65606

Follow Up By: Member - Captain (WA) - Monday, Jun 28, 2004 at 23:18

Monday, Jun 28, 2004 at 23:18
Hi Roachie

Nah, the cards haven't left our sight for some time - and we still have them, not lost or anything.

Just tried clicking on Bankwests 100% No loss guarentee web page. guess what - didn't display "errors on page" message. Hope their guarentee is better than their web page on it!

Cheers

Captain

PS. gun control is using two hands!!!
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Follow Up By: Member - Jeff M (WA) - Tuesday, Jun 29, 2004 at 14:34

Tuesday, Jun 29, 2004 at 14:34
Who needs a whizz bang reader, we've all got eyes, all you need to do is write down the number and expiry date. Simple. People don't realise that using your card on the internet is probally safer than using it at coles.
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Follow Up By: Member - Roachie SA- Tuesday, Jun 29, 2004 at 15:45

Tuesday, Jun 29, 2004 at 15:45
G'day Jeff,

The benefit of the reader (to the crooks) is that it gather's all the secret data held on the back of the card on the black strip.
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Follow Up By: Member - Jeff M (WA) - Tuesday, Jun 29, 2004 at 16:23

Tuesday, Jun 29, 2004 at 16:23
What more do you need other than a credit card number and expiry?? I could have a field day without even leaving my chair with someones card number and expiry. I havn't the foggiest what secret data is on the magnetic strip, but I would imagine it wouldn't even store your pin, it would most likley just have a refference number that the banks computer "ID" it with.
Maybe somone out there knows more about that, or works in the field and can enlighten us, however the point I made previously remains in that it was probally not stolen electronically IMHO, it was probally written down or imprinted or taken off a discarded receipt.
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Follow Up By: Bonz (Vic) - Tuesday, Jun 29, 2004 at 17:31

Tuesday, Jun 29, 2004 at 17:31
Theres some numbers on the back of the card that validate the use of the card over the phone or net. Sometimes I am asked for them others I am not, I think it stops people using the card with just the expiry name and card no. I dunno. Hope your money stays in your pocket, this kind of thing worries bits of me that shouldnt be bothered.
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Follow Up By: Large - Tuesday, Jun 29, 2004 at 19:53

Tuesday, Jun 29, 2004 at 19:53
Everytime at a restauraunt, when they bring out the bill, I take it to the counter myself so I can verify the amount charged. Also that little "add on" section where you can add on a tip, I cross that out and then write in the total at the bottom of the receipt to stop someone writing in a tip after I've left. I rememberin 2001 there was a caravan park at mission Beach also had this "tip" add on in their reciept when you paid for a campsite by creddit card.

Best of luck Captain, Hope it works out for you!
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Reply By: Goran - Monday, Jun 28, 2004 at 23:01

Monday, Jun 28, 2004 at 23:01
Yes you can avoid that. Use internet banking and pay via direct deposit. It is the safest way by far. Having the limit on the dedicated card means nothing at all. It can be misused just the same. Go direct bank deposit way.
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Follow Up By: Member - Dragan T (VIC) - Monday, Jun 28, 2004 at 23:11

Monday, Jun 28, 2004 at 23:11
Goran where are you from?
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Follow Up By: Member - Captain (WA) - Monday, Jun 28, 2004 at 23:21

Monday, Jun 28, 2004 at 23:21
Hi Goran,
Thats good in theory, but not all payments can be made by direct deposit or Billpay. But if this costs me $$$, may have to rethink what I do, just may have to in the end.

Cheers

Captain
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Follow Up By: Goran - Monday, Jun 28, 2004 at 23:56

Monday, Jun 28, 2004 at 23:56
Port hedland
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Follow Up By: Member - Dragan T (VIC) - Tuesday, Jun 29, 2004 at 00:05

Tuesday, Jun 29, 2004 at 00:05
: ) I taught your origin, you must be ex YU
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Follow Up By: Goran - Tuesday, Jun 29, 2004 at 00:20

Tuesday, Jun 29, 2004 at 00:20
It is......South Serbia
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Reply By: Muddy 'doe (SA) - Monday, Jun 28, 2004 at 23:28

Monday, Jun 28, 2004 at 23:28
Sorry to hear about the bad experience Captain

This touches on an important topic to us 4WDers travelling Oz,

It seems that using Internet cafes with network connections can be a danger area for travellers when using internet banking or other "secure" websites. It has been reported to me that unscrupulous operators are using software between the terminals in the cafe and their own internet connection to employ key capture and gain access to bank account details and credit card numbers.

Many travellers use internet cafes to do their banking and pay bills ($5 for 15 minutes of internet access is pretty expensive to use just for browsing!). This is a prime area for the capturing of personal details, especially if you are using the shops computer. You have no idea what key capture software is installed on these machines.

This is just the same as the scenario outlined by Roachie above where your credit card is taken out of your sight to be processed in a restaurant. You are relying on the honesty of the business to transmit the info that YOU typed into THEIR computer onto the internet without intercepting it for their own gain. This may also apply where you plug your laptop into a network port in the cafe. You get high speed internet acces but may still have the same issue. The best defense is for the cafe to offer a phone point so that you can use your laptop to directly dialup your own ISP.

My parents are travelling currently and were warned about this by one large cafe operator in Katherine. As a result they now call me and get me to use my direct ISP connection to do any internet banking and just tell me what needs to be done. The secure alternative is to connect to your ISP via laptop and mobile phone but this is either really slow (9.6kbps over GSM) or extremely expensive (2.2 cents per kb over GPRS).

The banks do have good protections on fraudulent transactions over internet ut there is still the hassle associated with proving the fraud, cancelling credit cards, getting new cards etc.

I point this out for the info of forumites who use internet cafes. If at all possible you should have a trusted person do your banking for you using a direct telephone/broadband internet connection or you should use your own direct connection to your ISP via your mobile.

Am happy to answer any queries on this topic for people who are just starting out!

Cheers
Steven
AnswerID: 65612

Follow Up By: Member - Captain (WA) - Monday, Jun 28, 2004 at 23:45

Monday, Jun 28, 2004 at 23:45
Thanks for the tips Muddy'doe. I have only ever used on-line transactions from home or work (both have firewalls/virus protection etc...). May be as simple as someone copying down the details, not even done on-line - but who knows.

Cheers

Captain
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Follow Up By: Troopy Travellers (NSW) - Tuesday, Jun 29, 2004 at 08:13

Tuesday, Jun 29, 2004 at 08:13
I am not in insurance but I would think that you put any bank agreements at risk if your getting your family to do your banking while you travel. I am sure not but I think disclosure of passwords to anyone is a big NO NO. A joint account would be a way around that.

I love paying the bills by internet, so will be interested to hear if the Bank fixes this up for you Captain.

Carolyn
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Reply By: Mad Dog (Victoria) - Monday, Jun 28, 2004 at 23:29

Monday, Jun 28, 2004 at 23:29
Bad luck but in such an insecure system that the banks give us that relies so heavily on honesty this fraud happens every day. The bank will cover you the same as they cover everyone else....they are used to it....unless they can prove something shonky on your part.
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Follow Up By: Muddy 'doe (SA) - Tuesday, Jun 29, 2004 at 00:00

Tuesday, Jun 29, 2004 at 00:00
I totally agree on your comments about the system relying on honesty MD. Just look at how many people get away with signing the credit card receipt as D.Duck!

Steven
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Reply By: Member - Pesty (SA) - Monday, Jun 28, 2004 at 23:29

Monday, Jun 28, 2004 at 23:29
Havent had a credit card for years, use eft mostly and so far havent had a problem, but recently got a debit card for those od items over the phone and things, linked it to an acc of its own and I leave it empty until I want it and transfer funds by phone or internet. I think it has $6 in it at the moment, hope they dont spend it all at once !! Cant you get a statement sent out so you can check it straight away, or download one ?
AnswerID: 65614

Follow Up By: Member - Captain (WA) - Monday, Jun 28, 2004 at 23:42

Monday, Jun 28, 2004 at 23:42
Hi Pesty,
As soon as the bank stopped my credit card, I could not access any details on-line. So, cannot check anything at the moment. My normal statement is ~2 weeks away, but I guess the bank may send me one straight away, or they may wait to see if any more transactions come through.

As for Eftpos, if they get your details (number +pin), would they not then be able to access your cash too? I'm not a banker so don't know the ins and outs of these things.

Cheers

Captain
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Reply By: Baz (NSW) - Tuesday, Jun 29, 2004 at 08:02

Tuesday, Jun 29, 2004 at 08:02
Sorry to hear bout this Captain, it's getting more and more previlent in these days of internet banking, your not even safe filling up at the servo now and with these dummy card readers they use to get your details, you dont even know they are doing until it's too late. Hope you get satifaction from your bank.

Cheers Baz.
AnswerID: 65625

Reply By: Tom - Tuesday, Jun 29, 2004 at 08:26

Tuesday, Jun 29, 2004 at 08:26
Hi guys,

Sorry to hear about this Captain, but only because you stop transacting online it doesn't mean that somone will not rip off your credit card. There are people that generate card numbers (not very hard at all) and put them through online merchants until they get an approved response code. If approved response code is received it means they generated a correct number.

Of course it's a lengthy process but they can stumble upon anyone's card. What makes it easier are the banks which will usually have a number of digits same on each card so the thiefs only have to generate a limited number of digits and guess an expiry date.

Then lets not mention credit card statements being sent out by the bank and also some receipts (eg petrol stations) which print your entire credit card number. If you throw it out anyone can pick it up.

Cheers,
Tom

AnswerID: 65629

Reply By: srowlandson - Tuesday, Jun 29, 2004 at 08:31

Tuesday, Jun 29, 2004 at 08:31
G'day mate, sorry to hear of your drama.

I have been on both sides, having had a few dodgy transactions go through my card in the past, and working in an ISP where we had dozens of people who would call up in a similar boat.

You can go to the branch and get them too call up a full statement on their screen. What you require is the transactionID of each dodgy transaction. You then put in a form that forces a charge back on each transaction.

chargebacks take the money frlom the person who put the charge through and issues them a letter with 'please provide proof of billing' Fortunately for the end user, anything but a signed transaction can be near impossible to prove (so even if you did put a secure transaction through a website they have a tough time proving it, hence most secure systems now utilise the 3 digit key on the back of the CC)

Generally this process takes 4-6 weeks and then you get the money back.

There is as much chance some snotty nosed kid working at safeway / a shop somoene has taken a record of the credit card number and sold it on the net. Also, just because a website uses an SSL (Secure Certificate) doesn't mean they are secure.

SSL's just encrypt the details when they are travelling from you to the website.

I 'could' create a website (and a lot of cheap online people do) that takes the Credit card number and store it in a database, or just email this to myself. This can then be processed via an eftpos machine or via an old school swipe machine. this isthe cheap andnasty way of doing things.

Technically an online store 'should' receive the credit card number, and then pass it with the amount directly to the bank via an online merchant system (which all the banks have) which puts the payment through. The online retailer is not allowed to store the CreditCard number and it is only on their system for a few milliseconds. This is how proper online systems work (and this is the system which Explore Oz use i beleive)

To setup something like this costs a lot more, so you can understand a lot of shonky mobs go the el cheap option which puts end users at risk. Unfortunately there is little you can do too check. One system i use is put in a dodgy expiry day (if your card expires in 2005 , make it 2006 on the transaction) if you get a transaction failed message, you know the site is hooked into a bank directly... if it goes through, you know something is sus ;)

I know it is a pain, but it will tkae a few weeks to get the cash back :(
AnswerID: 65630

Reply By: Hedonist - Tuesday, Jun 29, 2004 at 09:43

Tuesday, Jun 29, 2004 at 09:43
I used to worry about this stuff until I had my wallet stolen overseas and copped about $7000 of charges on a Mastercard before it was stopped.

The total amount was cleared without any hassel or argument from the bank - As a result I am more than comfortable to use credit cards for online transactions now...

It is just a PITA getting cards reissued...

Cheers,
Pete
AnswerID: 65632

Reply By: Savvas - Tuesday, Jun 29, 2004 at 09:44

Tuesday, Jun 29, 2004 at 09:44
The banks themselves are often very guilty of allowing private info out.

Last Friday in the mail I received 2 new Citibank Visa cards each with a $20k limit, a letter refusing the applicant a Gold card, and two statements. For people I have never heard of before, but correctly addressed to my residence. Yesterday, I received the 2 new PINs for those cards. So I have credit card numbers, pin numbers, and expiry dates for two $20k accounts.

I did ring through to Citibank on Friday to tell them know they stuffed up and the cards have now been destroyed. I also emailed a complaint through to their privacy officer.

Can you imagine if I was somewhat unscrupulous as to what could have gone on?

PS ... The reason I opened the emails is because Citibank instructed me to do so to find out what was inside. Trusting souls, don't you think?

AnswerID: 65633

Follow Up By: Savvas - Tuesday, Jun 29, 2004 at 09:46

Tuesday, Jun 29, 2004 at 09:46
PPS ... should have said mails in the last "PS" sentence, not emails.
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Reply By: Wazza (Vic) - Tuesday, Jun 29, 2004 at 10:39

Tuesday, Jun 29, 2004 at 10:39
A mate of mine stupidly left his card sitting on the atm after he pulled it out of the machine and rested it on the counter while putting the cash in his wallet.

About $400 was spent on it in the first hour, mostly at Safeway Liquor and the like, before he realised it. Bank put a stop on the card and paid him back no worries. That was with National.
AnswerID: 65637

Reply By: Member - Captain (WA) - Tuesday, Jun 29, 2004 at 10:48

Tuesday, Jun 29, 2004 at 10:48
Thanks all for your all thoughts and advice etc... I can now see on-line where some of these transactions are from, one includes Montreal QC, another is "CA" - California???. I still have another ~$1,500 worth to show up. Looks like it was probably some international scammer. Will let you know how I fare once the bill becomes due!!!

Cheers

Captain
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Follow Up By: Bryan (WA) - Tuesday, Jun 29, 2004 at 15:03

Tuesday, Jun 29, 2004 at 15:03
Hi Captain,
just another thought for you and others, even tho you have anti-virus and firewall software, you also need to ensure your antivirus software stops spyware, personal data protection and key logging programs. Trend micro internet security does this (this is what I use), no personal data like credit card numers can go out via my internet conenction without me manually allowing it. and use Pest Patrol (I use both), it is an active stopper of cookies, spyware, key loggers, etc.. pest patrol leaves the others for dead as it is an active stopper, not like the other spy ware stoopers which are passive and require you to scan your HDD to find the rougue programs..
most of us are carefull about what sites we use our credit cards with, but it's the rougue trojans and key logging software that grabs our personal info and sends it without our knowledge.

email me directly is you want more info/help, or check with Brettski or Skip.

hope you get cleared of the costs.
regards
Bryan
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Reply By: Member - Jeff M (WA) - Tuesday, Jun 29, 2004 at 11:16

Tuesday, Jun 29, 2004 at 11:16
Mate all you need to use your credit card is the number and expiry date. It's printed out on 90% of your receipts, ever dropped one on the ground, left it on the top of a bin. Every single person who you buy off get's a copy of it.

Good news is that the reatilers who took the credit card without your signature are liable. You will get your money back. Just go out and get another credit card for the month LOL. I'm sure people will throw them at you if you ask. Then just pay off you old one when you get your money back and cancel it.
AnswerID: 65642

Reply By: ianmc - Tuesday, Jun 29, 2004 at 12:06

Tuesday, Jun 29, 2004 at 12:06
The day cant be too far away when the banks shall say to the govt "we are losing too much on these frauds, we want to introduce the ID chip system".
This was prophesied 2000 years ago whereby we shall be required to have the mark of the beast in our forehead or back of the hand and without it no one
shall be able to buy or sell.
The consequences of accepting this was also well spelt out at that time.
Dont say we were not warned.
AnswerID: 65645

Follow Up By: Hedonist - Tuesday, Jun 29, 2004 at 13:58

Tuesday, Jun 29, 2004 at 13:58
It is fortunate for us that the Banks are not losing anything from these frauds - they are simply refusing to pay the merchants who do not properly check transaction authenticity before accepting dodgy credit cards.

'The mark of the beast' will be of little assistance in verifying identities any time yet. The mark of you retina, thumb or bic biro however will serve just fine in the interim...

Should I be afraid yet?
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Follow Up By: Bonz (Vic) - Tuesday, Jun 29, 2004 at 17:34

Tuesday, Jun 29, 2004 at 17:34
my credit card number already starts with 666, what can I do?
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Reply By: ianmc - Tuesday, Jun 29, 2004 at 14:38

Tuesday, Jun 29, 2004 at 14:38
Its all ready to use when installed. Prince William was said to have been chipped when he was young.
Animals can be chipped & tracked far & wide.
Have a look at the RFID chip. Do a search on Google. Walmart, possibly US's biggest retailer insists it be placed in every shirt & whatever else & no doubt readable at their checkouts & elsewhere.
The technology is far beyond this however.
AnswerID: 65660

Follow Up By: Baldrick - Tuesday, Jun 29, 2004 at 15:48

Tuesday, Jun 29, 2004 at 15:48
I wouldn't worry too much.

Once we all have our chips installed, the manufacturers will bring out chip upgrades so we can have more brain power.

(Question is, will it affect my deep wading capability??)
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Reply By: Nomad - Tuesday, Jun 29, 2004 at 21:55

Tuesday, Jun 29, 2004 at 21:55
Not nice Captain!!

Unfortunately there's always some unsavoury person trying to make an easy living off someone else.

Mate I know it can be a bit inconvenient, but I solved the problem the problem before it happened. Had about six of the buggers. Got hold of the scissors and cut them all up. Paid off the cards and now if I don't have the cash, I don't buy it.

Bloody great, for the first time in my life I don't owe nobody nuthing.

However, still sorry it happened to you mate.

Cheers

Nomad
AnswerID: 65729

Reply By: ianmc - Tuesday, Jun 29, 2004 at 21:55

Tuesday, Jun 29, 2004 at 21:55
Baldrick, depends on whether you want to become one of the NWO zombies
or retain your own free will with a guaranteed future.
There are numerous Biblical references to the mark of the beast & his number 666.
Rev16:2 quote" so the first (angel) went and poured out his bowl upon the earth and a foul & loathsome sore came upon the men who had the mark of the beast
(in forehead or back of hand) and those who worshipped his image.
For the searchers there are these other following references:
Rev 13:16, 13:17, 14:9, 14:11, 15:2, 19:20, 20:4 & others.
The NWO mob has a far better idea of prophecy than most of the sheeple &
they are busy preparing the greatest deception known to man and shall collapse
& be destroyed same as all the other great empires thru history together with those who run with them.
Bit OFF TOPIC I know but so is credit card fraud. I await the flack!
AnswerID: 65730

Follow Up By: Willem - Tuesday, Jun 29, 2004 at 23:24

Tuesday, Jun 29, 2004 at 23:24
Ian

Waiting for God,eh?

You sound a bit like the good people who come to my door to tell me wonderful stories of this and that.

I have noticed of late that older people suddenly have this inclination to spruik about prophesies and and how the world is coming to a sorry end and REPENT or ye shall be DOOMED................................Stuff and nonsense............stick to bullbars and drive trains and tyres and fridges mate..........more sanity there!!!
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Reply By: ianmc - Wednesday, Jun 30, 2004 at 23:47

Wednesday, Jun 30, 2004 at 23:47
I dont do doorknocks Willem & I still go 4wding.
I do however know that all those things prophesied have come to pass in their
due time & you must have your eyes shut or blinkers on if you think that the
Patriot Act, Homeland Security etc in the US & the incarceration without trial
on command of the Pres GWB is not a warning of more to come together with the
censorship of the Ten Commandments in public places.
Its a worry to see our PM Howard grinning madly everywhere he goes & signing up
deals with GWB, level playing field indeed!!
But what other earthly choice do we have ATM?
AnswerID: 65895

Reply By: French Line Veteran - Thursday, Jul 01, 2004 at 08:57

Thursday, Jul 01, 2004 at 08:57
Ianmc and Captain

...there must be a God and he lives at the NAB. We got stung on our card while interstate for $7k+ on one transaction recently and they rang us when we walked in the door to say they had picked up on the fraud. The bank had it all fixed up and new cards issued within 2wks as they said they would.

They said it was scammed like Tom wrote in his earlier post, persistently calling up computer-generated numbers until the offenders strike pay dirt. Nothing at all to do with leaving cards unattended in restaurants, although that is a worry with so many illegals and visa-overstayers working in kitchens.

Kevin M
AnswerID: 65914

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