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My credit card info was - Page 2

post #31 of 45
Thread Starter 
Yeah, I have learned a BIG lesson!!!
The woman at the bank said the same thing you did.They charge a $1 here and a $1 there and realize it's a good card and will run off as many charges as they can.
I can honestly say, I did NOT know about the http: thing.
post #32 of 45
After the dust settles down, make sure that on your statement, that you are not being charged. Sometimes banks and others will tell you thing and do another.

A lesson I learned from a wireless service that will remain nameless for the time being. Had a two year contract. 1 and 1/2 years into the contract I noticed that my payment had not been credited as it should have been. Called the service. They said "Oh, you have been using the wrong account number and for the past year and half, we have had to manually pull you account to credit it." I apologized profusely, asked the account number and immediately went to my bill pay at my bank online and changed the information.

The service told me that they did NOT have the check. I know they did. But, to play the game, I called the bank, they put a stop payment on the first check, issued another check which the service got within 1 day. I know because I called and asked.

Then I get a notice that I have a late fee. What the hell is this? I called the service back and they had the nerve to tell me that MY check bounced. See, they told me they didn't have the first check and then tried to cash it and the second check too.

I told the company to go pound sand and fortunately that is the last I have heard from them. This took two weeks, five phone calls from me and one 90 minute conference call with the bank, the service and myself. I have never seen anything like this.

Please check your statements and your balances as well as your pending authoriztions. If you can do this online, that is good. Most of their sites are SSL encrypted. On those sites, you are secure.
post #33 of 45
I'm so sorry, Tammy.
post #34 of 45
Thread Starter 
I'm sorry you're having a hard time with the company!!!!
I will be keeping a close eye on my statements and if I am charged,I will call whoever I need to and get it taken care of.
This just stinks because Christmas is right around the corner and I did alot of my shopping with that card.Now, I have to wait for a new one and God only knows how long that will take.
post #35 of 45
Thread Starter 
Quote:
Originally Posted by Miagi's_Mommy View Post
I'm so sorry, Tammy.
Thank you!!!!
post #36 of 45
I just read this and feel terrible for you. It is a horrible feelign and you just feel so violated.

I went through a lot of the same stuff when my wallet was stolen at school. Ugh. Not fun.

If it makes you feel any better, when a card is denied, we (cashiers) do not have anything that tells us why. Sometimes it just says Not Valid, or Denied, but most do not give it a second thought and just ask to try one more time, and then ask if they want to try with a different payment, or combined types of tender. We (at the store I've worked at for a few years) were taught to practice disrection, and to be nice, because you never know what could possible be going on. A lot of people even have had some sort of problem with paying with cards (debit, credit, whatever) because of bank errors, suspicious activity, or downtime/problems, say, in our automatic card readers (sometimes you have to ask the cashier to swipe the card themselves on the actual register).

Also, we do not keep numbers of credit cards, everything ends with the last four numbers, and not one person in the store has access to it. It goes automatically via computer to the bank, and we have a little slip that just proves the card was used (with date, time, store number, stuff like that pertaining to the store) that is taken to the bank (but no information is on there that could be used to steal card numbers or info). Hope that eases your mind a little bit. I know I was petrified to buy anything when I got my new accounts (my SSN and checking account had been used) and cards, and still have a hard time trusting people.

I hope everything get taken care of, and you can enjoy thanksgiving stress-free
post #37 of 45
Thread Starter 
Quote:
Originally Posted by Marishka View Post
I just read this and feel terrible for you. It is a horrible feelign and you just feel so violated.

I went through a lot of the same stuff when my wallet was stolen at school. Ugh. Not fun.

If it makes you feel any better, when a card is denied, we (cashiers) do not have anything that tells us why. Sometimes it just says Not Valid, or Denied, but most do not give it a second thought and just ask to try one more time, and then ask if they want to try with a different payment, or combined types of tender. We (at the store I've worked at for a few years) were taught to practice disrection, and to be nice, because you never know what could possible be going on. A lot of people even have had some sort of problem with paying with cards (debit, credit, whatever) because of bank errors, suspicious activity, or downtime/problems, say, in our automatic card readers (sometimes you have to ask the cashier to swipe the card themselves on the actual register).

Also, we do not keep numbers of credit cards, everything ends with the last four numbers, and not one person in the store has access to it. It goes automatically via computer to the bank, and we have a little slip that just proves the card was used (with date, time, store number, stuff like that pertaining to the store) that is taken to the bank (but no information is on there that could be used to steal card numbers or info). Hope that eases your mind a little bit. I know I was petrified to buy anything when I got my new accounts (my SSN and checking account had been used) and cards, and still have a hard time trusting people.

I hope everything get taken care of, and you can enjoy thanksgiving stress-free
Thank you!

Thanks EVERYONE for the vibes, and info.
post #38 of 45
yep i have a card that is only used for the net, has a very low limit(2,000)
so even if that card numbers get stolen they really cant run it up.
post #39 of 45
Thread Starter 
This is a Visa bank card.So, if I don't have the money in my checking account,then they can't buy something and it be cleared.It would be denied for lack of funds.
I am going to be soooooooooooooo careful now!!!
post #40 of 45
Kinda happened to me before. My card kept getting denied so I went to an ATM and the machine ate my card! My bank said someone had stolen a lot of info. somehow and my card was on that list so they had to issue me a new one. Didn't get my info stolen directly I guess but kinda.
post #41 of 45
Quote:
Originally Posted by xposigroovex View Post
Kinda happened to me before. My card kept getting denied so I went to an ATM and the machine ate my card! My bank said someone had stolen a lot of info. somehow and my card was on that list so they had to issue me a new one. Didn't get my info stolen directly I guess but kinda.

A few months ago, I went to draw money from my account at an ATM at work and it said that it was an invalid account!!!

I called the bank and was told that Visa (I had a visa checkcard) had flagged hundreds of account numbers as possibly being stolen. So to be safe, they cancelled all the cards. My bank then changed to mastercard as their checkcard. I had to borrow some money from a friend so I could get some lunch.

I keep a close watch on my account now though the bank's website.
post #42 of 45
Quote:
Originally Posted by Marishka View Post
Also, we do not keep numbers of credit cards, everything ends with the last four numbers, and not one person in the store has access to it. It goes automatically via computer to the bank, and we have a little slip that just proves the card was used (with date, time, store number, stuff like that pertaining to the store) that is taken to the bank (but no information is on there that could be used to steal card numbers or info).
That's GOOD to know. Last time I worked in retail, I could open up the register journal and look at everyone's credit card numbers and Exp. dates. I was a appalled at the time.
post #43 of 45
I can't believe this - just after I give you all of this identity theft information, I received an email with this opening line (BTW - I can't find the earlier email, just one saying don't put this information on my laptop):

We are sending you this e-mail because you have previously been sent a notification from -----, dated October 31, 2006, regarding a potential compromise of your personally identifiable information (“PIIâ€), as a result of a laptop theft in Orlando, Florida.

So now I have to put fraud alerts on everything and watch my credit reports. We've already been through this with a previous employer of hubby (someone downloaded the employee database with SSN, date of birth, addresses and threatened to publish it on the web). Why do the credit companies and crooks make it so darn inconvenient for us?
post #44 of 45
Quote:
Originally Posted by katachtig View Post
So now I have to put fraud alerts on everything and watch my credit reports. We've already been through this with a previous employer of hubby (someone downloaded the employee database with SSN, date of birth, addresses and threatened to publish it on the web). Why do the credit companies and crooks make it so darn inconvenient for us?
Because the easier we make things for ourselves, the harder it is for others secure.

It's like the free wifi coming to every town in the US. My town is testing it right now, but it doesn't use any type of security. So I don't even use it, I use my own. Otherwise there would be NO WAY I would check my bank account, order anything online or do anything that required security.

It's nuts!
post #45 of 45
Thread Starter 
Quote:
Originally Posted by katachtig View Post
I can't believe this - just after I give you all of this identity theft information, I received an email with this opening line (BTW - I can't find the earlier email, just one saying don't put this information on my laptop):

We are sending you this e-mail because you have previously been sent a notification from -----, dated October 31, 2006, regarding a potential compromise of your personally identifiable information (“PIIâ€), as a result of a laptop theft in Orlando, Florida.

So now I have to put fraud alerts on everything and watch my credit reports. We've already been through this with a previous employer of hubby (someone downloaded the employee database with SSN, date of birth, addresses and threatened to publish it on the web). Why do the credit companies and crooks make it so darn inconvenient for us?
OMG!!!!! This is such a bad time of year for everyone.
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