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Bogus charges on my credit card

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Bogus charges on my credit card

Old 11-10-05, 04:36 PM
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Bogus charges on my credit card

Got a notice yesterday from CitiBank that there may be a fraudulent charge on my Mastercard. I had just received my latest statement in the mail, and opened it to discover not one, but two bogus charges on my account.

Both were for rather small amounts (under $25) and both were from out of the U.S. If wondering if the smaller amounts were just test charges to see if they would go through prior to a big score, or if the criminal bastids are happy with these amounts figuring that $10-$20 on thousands of accounts is a pretty decent haul.

I used this account for online purchases. I figure somebody's data base got hacked.

Needless to say I canceled the card.
Old 11-10-05, 04:39 PM
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That sucks. What were the charges listed as? Someone posted something similar to this a few weeks ago.
Old 11-10-05, 04:41 PM
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"Honestly baby, those charges to GrannyPorn.com aren't mine!"
Old 11-10-05, 04:59 PM
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Originally Posted by Thor Simpson
That sucks. What were the charges listed as? Someone posted something similar to this a few weeks ago.
I don't have the statement in front of me now, but both were for sort of generic sounding charges.
Like "Digital Data Inc" and "Business Supply Corp" Things that I suppose if a person glanced quikly over their statement, or has a different person do their billing, might not jump right out as sounding phony.
Old 11-10-05, 05:34 PM
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sounds like this: http://www.dvdtalk.com/forum/showthread.php?t=440545
Old 11-10-05, 05:42 PM
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Originally Posted by Groucho
"Honestly baby, those charges to GrannyPorn.com aren't mine!"
Ummm no, ah, those charges really would have been mine.
Old 11-10-05, 05:47 PM
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Originally Posted by HN
Yup, Digital Age. I'm pretty sure that was the one on my statement for $24.95. I think it said it came out of Canada or Sweden.
Old 11-13-05, 06:43 AM
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Coincidently, I had two fraud charges on my CC ... but they weren't the 24.95 variety but the 450 dollar variety, each.

It was a total pain in the ass ... but the "funny" thing is that:

- they were both paypal charges
- I don't have a paypal account
- they were eBay charges and i've never bought anything from eBay.

Visa cancelled my account, was without a CC for over a week, had to redo all my auto-pay accounts which took some time on the phone and couldn't earn points while I was at it!

Yeah, someone's database was hacked alright.
Old 11-13-05, 11:03 AM
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http://www.fatwallet.com/t/52/521961/

Apparently a rather common fraud. They haven't been able to find a common online vendor (some never even used their cards online), so the current thinking is this is the result of the breach of one of the transaction processors.
Old 11-13-05, 11:14 AM
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The CSR from the CC company after my detailed questioning basically said:

- all in all, it's probably not my fault (duh)
- that it's probably from a breach of any number of online retailers that i've bought stuff from .... or
- a breach from someone in the transaction-chain ... or
- a breach in the database of the major credit bureaus.

Not that long ago, one of the major transaction companies was breached and maybe just over a year ago one of the major credit bureaus (Transunion or Equifax iirc) was breached as well.

These are just the stories that are available to the press/public. Lord knows we probably don't know the half of it.
Old 11-13-05, 06:16 PM
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I used to work for Mastercard customer service and I was always on the lookout for 25 cent charges (public phones) or numerous gas station charges ( you just have to zip the card through without a signature) when looking at a customer's bill. Thieves usually try a small transaction to see if the card is cancelled then proceed to go to town at Best Buy...

Some fraud also comes from the inside; I once activated a new card which later got filled to the max for 2000$ at an electronics store. I was pissed off because I remember checking EVERYTHING with the new cardholder (DOB, mother's maiden name, the customer's password etc...). Turns out a fellow employee was giving info to someone on the outside about new accounts and not only was fired but was facing possible jail time.
Old 11-13-05, 06:19 PM
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I report my card lost/stolen every 3 months. Never had a fraudulent charge for over 3 years now.
Old 11-13-05, 07:55 PM
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Originally Posted by DVD Polizei
I report my card lost/stolen every 3 months.
That sounds like such a pain.
Old 11-13-05, 07:58 PM
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It really isn't. I guess it would be if you had your CC# associated with several online automatic payment thingies, but I've found this dramatically reduces any fraud. It also lets me know more specifically where a fraudulent transaction happened, versus having a card for years and not knowing where or how the number was obtained.
Old 11-13-05, 08:38 PM
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If we could all just use our social security numbers and pet's first name for online purchases, this wouldn't be a problem.
Old 11-14-05, 11:37 AM
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Originally Posted by Thor Simpson
That sounds like such a pain.
its also not good for your credit rating.

use one time cc#s when you purchase on-line.
Old 11-14-05, 12:06 PM
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Apparently this is fairly widespread.
I also got hit with the "JM Business Products" $9.95 charge.

http://antivirus.about.com/od/emails...igital_age.htm

Digital Age Credit Card Fraud
October 11, 2005
Numerous reports of credit card fraud have been pouring into DSLReports and other forums. The vast majority of complaints involve a fraudulent charge of $24.99 posted to the credit card as DIGITAL AGE 888-529-98 CYPRUS.

The victims of the Digital Age Cyprus fraud are diverse. Some reported their impacted credit cards had never been used online, eliminating Internet commerce as a suspect cause. One possibility that can't be overlooked is whether it is linked to the Card Systems credit card data theft that occurred from September 2004 through May 2005.

According to Congressional testimony provided by John Perry, President and CEO of Card Systems Solutions, the theft was carried out through the use of a malicious script planted on their system through an Internet-facing application. The malware was programmed to run every 4 days, at which time it sought out a specific file type and extracted credit card holder's names, account numbers, expiration dates and CVV codes. The extracted information was zipped and forwarded to an FTP site where it was presumably retrieved by the attackers.

CardSystems processed credit card data for all major credit card companies, including MasterCard, Visa, American Express, Discover, JCB and Diners Club. An estimated 40 million customers were at risk; of these, 263,000 accounts were known to have been stolen.

Other fraudulent charges, for $7.95 or $9.95, were allegedly made in conjunction with the Digital Age fraud. Reports of these additional charges included one or more of the following:

TROUBLE BUBBLE LLC 215-310-9444 PA
KC SOFTWARECOM LLC
SUN SOFTWARE SYSTEMS 480-4520120 AZ
JM BUSINESS PRODUCTS
ART MAGIC INC.COM
INNOVATIVE SOFTWARE-Computer Maint & Repair
WWW.BURDETTINC.COM 801-407-1342 UT
SOFTPROJECTS LLC COLUMBIA SC

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