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Started By
Message
re: Credit card fraud question. Somebody got my shite.
Posted on 4/30/23 at 7:34 pm to Johnny3tears
Posted on 4/30/23 at 7:34 pm to Johnny3tears
quote:
That’s crazy. If my balance is $1 over what it should be I’m checking transactions
I wouldn’t notice if my balance was off by a grand or two unless I went line by line in my statement.
0
Posted on 4/30/23 at 7:36 pm to Rize
quote:
Have not used Lyft since 2019.
That’s some serious long con shite. You’re obviously dealing with a very patient and sophisticated criminal mastermind.
Posted on 4/30/23 at 7:40 pm to Rize
That’s why I keep all my cards maxed out and little in my accounts. Straight cash homey.
In all seriousness, that really sucks. Good luck.
In all seriousness, that really sucks. Good luck.
This post was edited on 4/30/23 at 7:40 pm
Posted on 4/30/23 at 7:42 pm to LouisianaLady
quote:
This happened to me with Uber (I noticed right away) and they have no contact number so it took days of me losing my shite over email for them to finally close the account. Chase reversed the charges but I also had PayPal hooked to the Uber account so it defaulted to that when Chase payments failed. Luckily, PayPal was incredibly nice with me and “broke” the connection to Uber from my account and it finally stopped happening. They also refunded me the money. Uber didn’t do shite. Never even spoke to a human. The scammer goes into your account and changes your phone number so when you try to get they account shut down with Uber/Lyft and they try to authenticate who you are.. it fails because your account is now associated with a new number.
My Lyft app has the last ride from 2019 and I have access to it.
Posted on 4/30/23 at 7:44 pm to Rize
Is this a common thing with Uber/Lyft? How does the driver access your CC info?
Posted on 4/30/23 at 8:03 pm to WylieTiger
Doesn’t have to be the driver. Could be a friend of a driver who got a stolen CC number, and they are working it together. I’m sure Uber/Lyft have things in place to prevent drivers from requesting rides from themselves. At minimum there’s have to be a separate account set up under someone else’s name. Lyft also sells gift cards. They could have bought a bunch of those and then redeemed them through their friend/the driver.
Posted on 4/30/23 at 8:07 pm to CaptSpaulding
I bet it’s not drivers. Uber and Lyft human monitoring probably sucks major dick. Scammers probably know this. They probably create two accounts, one a rider and one a driver or 2 or 4. And have that fake rider pick rides with all their fake drivers. It’s probably an easy scam.
It’s probably an easy scam as they start off small and people don’t notice and keep running it until they do.
What’s Bs is that Uber and Lyft and Airbnb and and door dash and all these web service companies customer service is all Fricking terrible and they know but are taking in money so they just sweep it to the side.
It’s probably an easy scam as they start off small and people don’t notice and keep running it until they do.
What’s Bs is that Uber and Lyft and Airbnb and and door dash and all these web service companies customer service is all Fricking terrible and they know but are taking in money so they just sweep it to the side.
This post was edited on 4/30/23 at 8:08 pm
Posted on 4/30/23 at 8:08 pm to Rize
my girlfriends husband just got all his shite stolen too
Posted on 4/30/23 at 8:16 pm to armsdealer
quote:
Even if you don't get notifications, how do you go an entire month without glancing at your account? We have access on our phones 24/7.
Posted on 4/30/23 at 8:22 pm to WhiteRussianDude
quote:
I don’t know the answer. Today inwas dealing with CC fraud myself. $5200 in concert tickets+airline tickets+$2000 in storage rental In Louisiana. Wonder if there was some huge breach. I wonder if yours was stolen by a Lyft driver and he is laundering the charges for cash (ie, a paycheck )??
This is a great possibility and it would be worth it for OP to look into.
OP should contact Lyft to get data based on his purchases. If OP paid for it, Lyft should be pressured into releasing it to him. Questions should be - how many different drivers? How many different cities?
Then persist with law enforcement and bank. Bank can also pressure law enforcement to pursue prosecution efforts.
Posted on 4/30/23 at 8:24 pm to RLDSC FAN
Always jiggle ATM/fuel dispenser readers first to determine if they are wonky. These locations are a favorite target of people that install skimmers (the thing that reads track data, which is the stuff on the strip, which contains more than just the card #). Almost all of the surveillance is easy dodged via ballcaps and easily executed techniques. Furthermore, there was probably a $1-2 charge somewhere on your card that you didn't notice, which told the fraudster that the card was functional. This usually happens at gas stations.
When you've been married, you don't want to know when you've had the conversation so many times.
I'm pretty damn sure Lyft and Uber don't send your primary account numbers to drives to run the cards themselves. Never been a driver, otherwise I would certainly say there is no F*@ing way.
It was probably at a low volume restaurant. For example, I haven't been defrauded for over a decade until I bought two beers at a run down Chili's while I waited for dance practice to wrap. Within 40 minutes, someone was buying shite, including from sites like GerberGear that I actually have bought stuff from.
Fraud detection is different between card present and card not present transactions. That's one reason skimmers are so bad, especially if you don't pay attention. Use the chip, use Apple Wallet, anything but swiping the card. Pumps that can't easily be seen from the people at the register are at higher risk, etc.
Oh, but to maintain appstore ratings, the app has updated itself nine times in four weeks and logged me out without me noticing. Proactive stuff disappears.
quote:
how do you go an entire month without glancing at your account?
When you've been married, you don't want to know when you've had the conversation so many times.
I'm pretty damn sure Lyft and Uber don't send your primary account numbers to drives to run the cards themselves. Never been a driver, otherwise I would certainly say there is no F*@ing way.
It was probably at a low volume restaurant. For example, I haven't been defrauded for over a decade until I bought two beers at a run down Chili's while I waited for dance practice to wrap. Within 40 minutes, someone was buying shite, including from sites like GerberGear that I actually have bought stuff from.
Fraud detection is different between card present and card not present transactions. That's one reason skimmers are so bad, especially if you don't pay attention. Use the chip, use Apple Wallet, anything but swiping the card. Pumps that can't easily be seen from the people at the register are at higher risk, etc.
quote:
We have access on our phones 24/7.
Oh, but to maintain appstore ratings, the app has updated itself nine times in four weeks and logged me out without me noticing. Proactive stuff disappears.
Posted on 4/30/23 at 8:28 pm to Rize
You have a Lyft account don’t you? Your info was hacked by someone having access to Lyft info. Same thing happened with my Uber account. Multiple trips within a 48 hour period in New York area. About $500 worth of rides. After researching I found out drug dealers in big cities are using stolen Uber and Lyft accounts to have drivers run them around town making drug deals. I cancelled my credit card and had a new one sent to me. This happened 3 years ago and Uber will not allow me to open my account back up until I pay them for these charges even though I told them they were fraudulent charges. F Uber
Posted on 4/30/23 at 8:29 pm to armsdealer
quote:
Even if you don't get notifications, how do you go an entire month without glancing at your account?
Found the poor
Posted on 4/30/23 at 8:40 pm to BigBobbyStorey
quote:
my girlfriends husband just got all his shite stolen too
I am confused.
Do you watch or does he?
This post was edited on 4/30/23 at 8:41 pm
Posted on 4/30/23 at 8:42 pm to Rize
If I’m not mistaken, I thought you mentioned you live in BR. You’ll have to deal with BRPD, you honestly think they have anyone capable of making an arrest over this? 
You’re better off with the OT in solving this and exposing the a-hole who committed this fraud.
You’re better off with the OT in solving this and exposing the a-hole who committed this fraud.
Posted on 4/30/23 at 9:23 pm to Rize
quote:
I like to be surprised at the end of the month
If I didn't check I'd spend too much money. Sometimes I hate higher limits even though I know it benefits my credit in the rare times I have a balance report.
Posted on 4/30/23 at 9:47 pm to Tarps99
he doesn't know
Posted on 4/30/23 at 10:04 pm to Breauxsif
STOP REUSING passwords.
When Atlanta PD called me four months after I file a police report over a stolen firearm, they asked me if I'd found it. That was 15 years ago.
STOP REUSING passwords.
I won't get into details, but it was not a system wide breach of one company. I can't even see my full credit card number in UberEats *for a reason.* You likely are re-using passwords all over the place, or subscribed to FarmersOnly or something. PAN (Primary account number) storage is extremely forbidden once the transaction has cleared (seconds, maybe minutes.) ETA: in an unencrypted or untokenized form, last four is fine. No person needs to see that.
STOP REUSING passwords.
All of you need to stop making excuses for your own shitty inability to follow the principles that infosec dorks like me have been telling you for 20 years. FedGov breached my information, repeatedly, starting in probably 2003. Then Equifax dumped it. Then the Chinese stole it. My biggest problem? $40 from Chilis fraud in 30+ years.
STOP REUSING passwords.
Lock your credit, put on a fraud watch, and put a transaction monitor for any withdrawal over $25. Even if you're married, it gives you a chance to fire off a text to the spendy spouse to ask about it.
STOP REUSING passwords.
Primary reason:If you report fraud within 48ish hours, you are NOT liable. Depending on your bank, they may refund you immediately, or they may investigate, but in the end, you'll get the cash back. *If* you tell them.
STOP REUSING passwords.
If they get track data (from the restaurant, gas pump, etc.) then they can clone a physical card. Fraud detection mechanisms are much lower when there is a physical card with a stripe. Merchants with Visa/MC/Discover/Amex logos are *required* to take any card with the accompanying logo, even if they have to do a crayon rub on it (think of Sears or JC Penney in 1990).
STOP REUSING passwords.
When Atlanta PD called me four months after I file a police report over a stolen firearm, they asked me if I'd found it. That was 15 years ago.
STOP REUSING passwords.
I won't get into details, but it was not a system wide breach of one company. I can't even see my full credit card number in UberEats *for a reason.* You likely are re-using passwords all over the place, or subscribed to FarmersOnly or something. PAN (Primary account number) storage is extremely forbidden once the transaction has cleared (seconds, maybe minutes.) ETA: in an unencrypted or untokenized form, last four is fine. No person needs to see that.
STOP REUSING passwords.
All of you need to stop making excuses for your own shitty inability to follow the principles that infosec dorks like me have been telling you for 20 years. FedGov breached my information, repeatedly, starting in probably 2003. Then Equifax dumped it. Then the Chinese stole it. My biggest problem? $40 from Chilis fraud in 30+ years.
STOP REUSING passwords.
Lock your credit, put on a fraud watch, and put a transaction monitor for any withdrawal over $25. Even if you're married, it gives you a chance to fire off a text to the spendy spouse to ask about it.
STOP REUSING passwords.
Primary reason:If you report fraud within 48ish hours, you are NOT liable. Depending on your bank, they may refund you immediately, or they may investigate, but in the end, you'll get the cash back. *If* you tell them.
STOP REUSING passwords.
If they get track data (from the restaurant, gas pump, etc.) then they can clone a physical card. Fraud detection mechanisms are much lower when there is a physical card with a stripe. Merchants with Visa/MC/Discover/Amex logos are *required* to take any card with the accompanying logo, even if they have to do a crayon rub on it (think of Sears or JC Penney in 1990).
STOP REUSING passwords.
This post was edited on 4/30/23 at 10:13 pm
Posted on 4/30/23 at 11:27 pm to LemmyLives
GENERAL RESOURCE GUIDE FOR CREDIT CARD FRAUD AND IDENTITY THEFT
When receiving inquiries from the public regarding and identity, bank, credit card or other type of fraud, it is
recommended that the possible victims follow these suggestions:
• If the fraud or identity theft is such that it does not meet the federal guidelines in your district, the victim
should be referred to the proper local law enforcement agency to file a report
• The victim should be advised to contact any affected credit card issuer by telephone and advise them of
the situation and request the following action be taken:
1. The victim should request replacement cards with new account numbers.
2. The old account should be processed as “account closed at consumer’s request” for credit record
purposes.
3. Ask that a password be used prior to any purchases on the new account.
4. The victim can also ask that all of their accounts be flagged, and that a victim’s statement be
added. This ensures that financial institutions contact the victim to verify their credit applications.
Advise the victim to follow-up the telephone call with a letter to the credit card issuer, summarizing
their requests.
• The victim should be instructed to also contact all three credit bureaus and report the compromise.
The credit bureaus can be contacted at:
Equifax 800/525-6285 www.equifax.com
Experian 888/397-3742 www.experian.com
Trans Union 800/680-7289 www.tuc.com
• The victim should order copies of credit reports so that they can review them to ensure that no additional
fraudulent accounts have been opened in their name. This should be done every three months for at least
one year.
Other steps that can be taken by the victim include:
• The victim can also call 888/567-8688 to opt out of receiving pre-screened credit card offers. All three
credit bureaus will honor this one request.
• The victim should contact the Social Security Administration’s Office of the Inspector General, at
800/269-0271, if a Social Security Number has been used fraudulently.
• File a complaint with the FTC (The Federal Trade Commission is the federal clearinghouse for
complaints by victims of identity theft. All victims should report the incident to them.) by calling:
1/877/IDTHEFT, or by writing to, Consumer Response Center, Federal Trade Commission,
600 Pennsylvania Avenue NW, Washington, DC 20580, or online at www.consumer.gov/idtheft.
Some additional tips for safeguarding personal information:
• Explain the Social Security number is the key to credit and banking related accounts. People should only
provide their Social Security number if it is absolutely necessary, and only to trusted parties.
• Try to reduce the number of credit cards in use.
• Cancel unused credit card accounts.
• If a fraudulent charge appears on an account, call the Consumer Credit Counseling Service 800/388/2227
for help in clearing false claims from credit reports.
• Destroy (shred) pre-approved credit applications, credit card receipts, bills and any other financial
information that is unneeded. Throwing then in the trash is not sufficient unless the applications are first
made unintelligible.
• Unwanted JUNK mail can be reduced by contacting Direct Marketing Association’s Mail Preference
Service, P.O. Box 9008, Farmingdale, NY 11735-9008. Request that your name and home address be
removed from all mailing lists.
• Unwanted telemarketing solicitations, can be reduced by the Direct Marketing Association’s Telephone
Preference Service, P.O. Box 9014, Farmingdale, NY 11735-9014. Request that your name and telephone
number be removed from all telemarketing lists.
• To remove your email from many marketing lists, thus reducing some of the spammed email you receive,
visit www.e-mps.org.
• Dial *67 prior to making 800, 888, and 900 number telephone calls. In most cases this will prevent your
name, address and phone number from being captured by the company you’re calling.
• If ordering on-line, insure that the company you’re dealing with is not selling or trading your personal
information. Remember, most businesses keep the information that is provided to them on-line, in some
type of database. These databases can be sold or accessed by others without your knowledge or consent.
When receiving inquiries from the public regarding and identity, bank, credit card or other type of fraud, it is
recommended that the possible victims follow these suggestions:
• If the fraud or identity theft is such that it does not meet the federal guidelines in your district, the victim
should be referred to the proper local law enforcement agency to file a report
• The victim should be advised to contact any affected credit card issuer by telephone and advise them of
the situation and request the following action be taken:
1. The victim should request replacement cards with new account numbers.
2. The old account should be processed as “account closed at consumer’s request” for credit record
purposes.
3. Ask that a password be used prior to any purchases on the new account.
4. The victim can also ask that all of their accounts be flagged, and that a victim’s statement be
added. This ensures that financial institutions contact the victim to verify their credit applications.
Advise the victim to follow-up the telephone call with a letter to the credit card issuer, summarizing
their requests.
• The victim should be instructed to also contact all three credit bureaus and report the compromise.
The credit bureaus can be contacted at:
Equifax 800/525-6285 www.equifax.com
Experian 888/397-3742 www.experian.com
Trans Union 800/680-7289 www.tuc.com
• The victim should order copies of credit reports so that they can review them to ensure that no additional
fraudulent accounts have been opened in their name. This should be done every three months for at least
one year.
Other steps that can be taken by the victim include:
• The victim can also call 888/567-8688 to opt out of receiving pre-screened credit card offers. All three
credit bureaus will honor this one request.
• The victim should contact the Social Security Administration’s Office of the Inspector General, at
800/269-0271, if a Social Security Number has been used fraudulently.
• File a complaint with the FTC (The Federal Trade Commission is the federal clearinghouse for
complaints by victims of identity theft. All victims should report the incident to them.) by calling:
1/877/IDTHEFT, or by writing to, Consumer Response Center, Federal Trade Commission,
600 Pennsylvania Avenue NW, Washington, DC 20580, or online at www.consumer.gov/idtheft.
Some additional tips for safeguarding personal information:
• Explain the Social Security number is the key to credit and banking related accounts. People should only
provide their Social Security number if it is absolutely necessary, and only to trusted parties.
• Try to reduce the number of credit cards in use.
• Cancel unused credit card accounts.
• If a fraudulent charge appears on an account, call the Consumer Credit Counseling Service 800/388/2227
for help in clearing false claims from credit reports.
• Destroy (shred) pre-approved credit applications, credit card receipts, bills and any other financial
information that is unneeded. Throwing then in the trash is not sufficient unless the applications are first
made unintelligible.
• Unwanted JUNK mail can be reduced by contacting Direct Marketing Association’s Mail Preference
Service, P.O. Box 9008, Farmingdale, NY 11735-9008. Request that your name and home address be
removed from all mailing lists.
• Unwanted telemarketing solicitations, can be reduced by the Direct Marketing Association’s Telephone
Preference Service, P.O. Box 9014, Farmingdale, NY 11735-9014. Request that your name and telephone
number be removed from all telemarketing lists.
• To remove your email from many marketing lists, thus reducing some of the spammed email you receive,
visit www.e-mps.org.
• Dial *67 prior to making 800, 888, and 900 number telephone calls. In most cases this will prevent your
name, address and phone number from being captured by the company you’re calling.
• If ordering on-line, insure that the company you’re dealing with is not selling or trading your personal
information. Remember, most businesses keep the information that is provided to them on-line, in some
type of database. These databases can be sold or accessed by others without your knowledge or consent.
Posted on 4/30/23 at 11:29 pm to Rize
Sorry brah. My baby momma moved farther away, those Lyft rides add up quick.
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