- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Identity Theft: Twice in Two Months
Posted on 3/6/13 at 9:45 pm
Posted on 3/6/13 at 9:45 pm
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.
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.
5
Posted on 3/6/13 at 10:27 pm to RedStickBR
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.
Posted on 3/7/13 at 7:48 am to RedStickBR
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.
Posted on 3/7/13 at 7:59 am to RedStickBR
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
your info may have found its way onto one of the black markets for stolen info so it may be getting sold and resold
Posted on 3/7/13 at 8:06 am to boosiebadazz
(no message)
This post was edited on 12/21/21 at 9:38 am
Posted on 3/7/13 at 8:19 am to boosiebadazz
Yes, I did all of that.
Posted on 3/7/13 at 8:20 am to XanderCrews
Good thought, but no, my auto fill only does my address, not credit/debit card information.
Posted on 3/7/13 at 8:41 am to RedStickBR
Unless you have to have a certain amount of swipes per month... Why on earth are you using your debit card for transactions? 
Posted on 3/7/13 at 8:51 am to RedStickBR
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.
Posted on 3/7/13 at 9:42 am to LSURussian
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
Posted on 3/7/13 at 10:47 am to BACONisMEATcandy
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 3/7/13 at 10:52 am
Posted on 3/7/13 at 10:53 am to RedStickBR
(no message)
This post was edited on 12/21/21 at 9:38 am
Posted on 3/7/13 at 10:58 am to XanderCrews
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.
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.
Posted on 3/7/13 at 11:07 am to RedStickBR
(no message)
This post was edited on 12/21/21 at 9:38 am
Posted on 3/7/13 at 11:16 am to XanderCrews
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.
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 3/7/13 at 11:26 am
Posted on 3/7/13 at 11:23 am to RedStickBR
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.
Posted on 3/7/13 at 11:28 am to RedStickBR
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
Posted on 3/7/13 at 3:00 pm to BACONisMEATcandy
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.
Posted on 3/7/13 at 3:53 pm to RedStickBR
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.
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.
Posted on 3/7/13 at 4:36 pm to oldtimefootball
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...
Page 1 of 2
Popular
Back to top
Follow TigerDroppings for LSU Football News