General Question

rowenaz's avatar

How did they get my credit card information?

Asked by rowenaz (2436points) October 10th, 2008

I had both cards at home, they had never been activated, so I’d never used them. I’d never used them online, no purchases were made, and the envelope I had received them in was unopened. Yet, I called to ask about a question and was told that I had a balance – someone had bought things over the internet!! How do you think they accomplished this?

You may remember that last week I asked why my browser windows kept closing, and was told that I may have spyware, or a virus, but I ran all the programs and everything is clean.

Then, yesterday I go to use a different credit card, which was declined, to find that that too had been compromised (but the credit card company caught it) and someone had made two fraudulent purchases – one through PayPal, and the other also on-line.

Both credit cards were with the same company….Chase.

So how did they do it?

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13 Answers

cheebdragon's avatar

someone at the credit card company….

cheebdragon's avatar

make some kind of formal report, so you can have proof that you didn’t make the purchases, otherwise you will have to pay for the items.

marinelife's avatar

Also, you might o through the circumstances with them and ask what you can do to prevent a similar fraud.

You can also go online and sign up to not receive pre-approved credit card offers.

La_chica_gomela's avatar

Marina, can you give us a link?

I fucking hate pre-approved cards, and i get hundreds of them from chase.

i am so sorry that that happened to you rowenaz!!!!!

marinelife's avatar

Here is the information and a site that gives you more details.

“Federal law states that consumers have the right to opt of receiving these unsolicited credit card offers, which are based on your credit report. To put a stop to the mailings, just dial 1–888-5-OPT-OUT or visit www.optoutprescreen.com online.

The service is run by the major credit bureaus, which provide banks with the information needed to screen you. According to the association that represents the credit bureaus, by law, information on how to opt out must be included in every offer. Whenever you receive a copy of your credit report, it should also include information on how you can be taken off any pre-screened credit card mailing lists.”

rowenaz's avatar

I won’t have to pay for the items, because the credit card company takes care of that when I fill out the paperwork that those are fraudulent.

I’m going to that opt out link – thanks!

But I have a locked mail box, too. No one can take anything…except the postperson.

I thought it was someone at the credit card company, too.

xxporkxsodaxx's avatar

A similar thing is sort of going on with my grandfather, he lives in Dallas and he sometimes gets bills with things he’s never bought and have never been to the store or website. Most of the stores are all in Fort Worth and we have found a man with the same name living in Fort Worth but he doesn’t want to do anything about it for some reason, it’s been hurting his credit because he doesn’t pay those companies unless they tell him what was bought and when and you guessed it, they never tell him.

tocutetolive90's avatar

someone might have stolen or someone might have sold files out of the credit card company building so they ended up buying your account information. if they have your credit care number they may have other personal info of yours like social, home number, full name, and ext. you might wanna check into it with the company.

basp's avatar

rowenz
You can request to have your card put on an alert. Any time the card is used in a way that is different from your spending history, they will call you to verify the purchase.

robmandu's avatar

It’s easier than you might think. From Rixstep:

The ambition of sh0pp0rtal [dot] net is grandiose – and totally necessary in the hard core world populated by plastic card companies with their ginormous behavioural databases. Clients can choose cards from particular cities or countries to circumvent consistency checks [which they coordinate with spoofed IPs natch].

Brian searched for available accounts in his home state in the US and found 2,149 cards for sale. Each item comes with an account number; an expiration date; and an account holder’s name, address, and phone number.

The price? $1.20 per card.

cheebdragon's avatar

$1.20? Bic lighters are more expensive….

Jeruba's avatar

I am very unhappy with Chase and am going to cancel the card.

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