Identity Theft: Twice in Two Months | TigerDroppings.com

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RedStickBR
LSU Fan
Member since Sep 2009
10020 posts

Identity Theft: Twice in Two Months


Has anyone else experienced an increase in identity theft here lately or is this just bad luck? I feel like the chances of getting hit twice in two months are pretty low.

This is with my ATM Debit card. I do purchase some things online but am reasonably positive this is not a case of keylogging; rather, I think the genesis lies with restaurants, etc. Interestingly, my "card" was present in the most recent case, even though it's currently in my wallet.

Does anyone have any advice as to how to limit or prevent this from occurring? The bank doesn't seem to be too helpful, even though they likely pay a lot covering customers for this type of fraud.







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gsvar2004
LSU Fan
Deep in the woods
Member since Nov 2007
943 posts

re: Identity Theft: Twice in Two Months


Have a fraud transaction pending my chase account right now. Chase said I have to wait for it to clear before I open an investigation.





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LSU Piston
USA Fan
Baton Rouge, LA
Member since Feb 2008
2792 posts

re: Identity Theft: Twice in Two Months




There was a span maybe 2 or 3 years ago...that it happened to me maybe 3 times in a 6 month span. I have Chase. For what its worth...at Chase they told me that while ID theft was a possible cause, more likely some 'numbers' just got mixed up from the millions of transactions that occur daily. Not sure what to believe, but the money was reimbursed, no problem.






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boosiebadazz
Member since Feb 2008
45284 posts

re: Identity Theft: Twice in Two Months


did you close accounts or get a new card after the first instance?

your info may have found its way onto one of the black markets for stolen info so it may be getting sold and resold






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XanderCrews
LSU Fan
Member since Mar 2009
297 posts

re: Identity Theft: Twice in Two Months


I agree with the above I meant to comment on this earlier.

One thing you might want to check is if you use a PC for internet purchases make sure your browser is not auto-filling your checkout pages. Its not very hard to get some malware on a home/wor PC that steals that info and ships it out somewhere.

Just a thought.






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RedStickBR
LSU Fan
Member since Sep 2009
10020 posts

re: Identity Theft: Twice in Two Months


Yes, I did all of that.





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RedStickBR
LSU Fan
Member since Sep 2009
10020 posts

re: Identity Theft: Twice in Two Months


Good thought, but no, my auto fill only does my address, not credit/debit card information.





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BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
41647 posts

re: Identity Theft: Twice in Two Months


Unless you have to have a certain amount of swipes per month... Why on earth are you using your debit card for transactions?





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LSURussian
LSU Fan
Baton Rouge
Member since Feb 2005
81343 posts

re: Identity Theft: Twice in Two Months


quote:

Has anyone else experienced an increase in identity theft here

Three out of four of my immediate family members have had either their credit or debit card numbers stolen over the past 8 months. They all use different computers on different networks. I am the only one who has avoided that happening during that time.

Twice in two months for you tells me you have some sort of virus or worm on your computer or some other theft method. That can't be just a coincidence.






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boosiebadazz
Member since Feb 2008
45284 posts

re: Identity Theft: Twice in Two Months


quote:

Twice in two months for you tells me you have some sort of virus or worm on your computer or some other theft method. That can't be just a coincidence.


i agree. especially bc he changed his info/account numbers. your shite didnt randomly get stolen twice once it was out in the internet. it got stolen when you entered in into your computer






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RedStickBR
LSU Fan
Member since Sep 2009
10020 posts

re: Identity Theft: Twice in Two Months


quote:

Unless you have to have a certain amount of swipes per month... Why on earth are you using your debit card for transactions?


What do you use?

Edit: Answered my own question. I can use my credit card which allows me simply to dispute charges instead of my checking account being debited. I can then pay off said card online using funds in my checking account via direct checking account routing and avoid the whole debit card vulnerability point in the process. Theoretically, they could still keylog my routing/checking numbers, if that's in fact how this is happening. I could just pay the credit card bill the old fashioned way ...



This post was edited on 3/7 at 10:52 am


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XanderCrews
LSU Fan
Member since Mar 2009
297 posts

re: Identity Theft: Twice in Two Months


Use a crdik card that pays you some sort of reward and pay it off every month. This way if they steal something it is the CC's money not yours.

It is a lot harder to get your stuff back through debit.






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RedStickBR
LSU Fan
Member since Sep 2009
10020 posts

re: Identity Theft: Twice in Two Months


It's actually really easy. My bank refunded the stolen funds the same day I reported them. It's just a pain in the arse to have to wait for a new card. I use a debit card for virtually everything. Apart from the fraud (I know, I know), it produces the best balance between financial and practical sense.

I hate having a credit card balance, and sending checks in the mail really sucks while paying the credit card online eventually leads to the same problem, as explained above.






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XanderCrews
LSU Fan
Member since Mar 2009
297 posts

re: Identity Theft: Twice in Two Months


I am not sure what other advice you want.

However I have been doing it this way for years and have never had my identity/info stolen. You can continue to do everything with your debit card and not get anything back for it that is your choice.

You can also look into a lifelock type service. good luck






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RedStickBR
LSU Fan
Member since Sep 2009
10020 posts

re: Identity Theft: Twice in Two Months


Going the credit card route is good advice. I will consider it, thanks.

It may be time to do a bare metal restore on my computer. I'm on a Mac and have a reputable endpoint security platform. I do not believe I have a virus/worm, but getting hit twice in two months is either malware-related or extremely coincidental, and I agree with you it appears the malware diagnosis may be more realistic. I've had this computer for 5 years now and have never done a bare metal restore. It may be time.

I feel there should be an option, if I so choose, to require any use of my debit card to be confirmed by I.D. if an in-person transaction or by one-time password if an online transaction. I believe we are close to being there, but not there quite yet. We are seeing much stronger adoption of multi-factor authentication solutions, but we still have a long way to go. I was curious as to whether anyone else's bank offered such a solution. Before it makes sense for banks to adopt this, there must be increased support for multi-factor authentication amongst online vendors.

The first bank to implement a one-time password or similar multi-factor authentication solution for online transactions could steal a lot of market share if they can encourage broader vendor adoption. On the other hand, they could lose share if they require this and can't get the requisite vendor support to make it convenient for end-users. If I'm a bank, I'm entering into a strategic partnership with a multi-authentication vendor to make this a reality. Of course, giving end-users the option to require this is something that could be implemented today, a la gmail's optional multi-factor authentication feature.

There, I even made this into a business thread.




This post was edited on 3/7 at 11:26 am


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htownjeep
LSU Fan
Nassau Bay, TX
Member since Jun 2005
5272 posts

re: Identity Theft: Twice in Two Months


I've been looking into Lifelock. Anyone else on here use it? $247 a year doesn't seem too bad if it can stop some of this.





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BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
41647 posts

re: Identity Theft: Twice in Two Months


quote:

Edit: Answered my own question. I can use my credit card which allows me simply to dispute charges instead of my checking account being debited. I can then pay off said card online using funds in my checking account via direct checking account routing and avoid the whole debit card vulnerability point in the process. Theoretically, they could still keylog my routing/checking numbers, if that's in fact how this is happening. I could just pay the credit card bill the old fashioned way ...


On top of that you get "rewards" from credit cards






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i am dan
Auburn Fan
Back 9
Member since Aug 2011
3748 posts

re: Identity Theft: Twice in Two Months


I have had this happen twice in the last year. Several disputed charges. The person at my bank said all it takes is a person you hand your actual card to, like at a restaurant, to get the info they need.





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oldtimefootball
LSU Fan
Winnfield La
Member since Feb 2013
99 posts

re: Identity Theft: Twice in Two Months


Don't use your computer. Charge everything on
a CC and pay it off every month over the phone, not with your computer. You can also pay over the
phone with your debit card. I pay all my bills this way and it only takes minutes, usually less time than it takes to do it with a computer.

You don't have to worry about your financial
information being spread all over the internet.






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lynxcat
Rutgers Fan
Member since Jan 2008
14419 posts

re: Identity Theft: Twice in Two Months


I just had a taxi driver steal my CC info on my corporate card. I know it was one of six rides because I never have that card out of my sight other than when they go to swipe it on their ancient technology. Pain to wait for a new one...





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