Credit card details scammed
Submitted by Nibbles on Wed, 2014-12-31 16:48
Hi all. Woke up this morning to find a message on my phone from my bank asking me to call them urgently. Turns out my credit card had been used in the USA sometime during the night even though it was in my wallet at home. Luckily the bank flagged it and let me know to ring up and cancel it before funds were taken off. Why Im posting this on here is that I have only used it in two different places over the last few weeks and one of those places was the oceans reef boat ramps. I was wondering if my card details had been scammed from the ticket machine at Ocean Reef and if anyone else who has used the machines had had their card details stolen too?
big john
Posts: 8726
Date Joined: 20/07/06
Romania
I got a call from the bank once when some one tried to buy 2k's worth of liquor in Romania with my CC details. Strange but true.
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randall df223
Posts: 6454
Date Joined: 08/08/11
Thanks for the heads up. I
Thanks for the heads up. I have only ever used cash at ocean reef because I always here reports the credit card facilities are never working.
Fish! HARD!
Auslobster
Posts: 1901
Date Joined: 03/05/08
See what happens?
When someone puts sticks in the coin slots of the parking machines? You STILL get ripped off!
uncle
Posts: 9355
Date Joined: 10/02/07
fair bit going on
my son got the same call when someone tried to buy something for $700, but it wasn't from o/reef, arhhh another sign of the times
all aggressive fish love bigjohnsjigs
Dale
Posts: 7930
Date Joined: 13/09/05
Carrtnz.
My wife's card got used illegally a couple of weeks ago, ANZ immediately freezed the account. They sometimes only withdraw a small amount at first as the first withdrawal from these scum was only 47c. I reckon they just use some software that automatically generates numbers, numbers, check, numbers, check and so on.
"Just because you are a Character, Doesn't mean you have Character."
Mr Wolf
fishy fingers
Posts: 1719
Date Joined: 28/04/07
How about over $12000
Last year I found my card wouldnt work one morning in the butchers, no problem he says just pay next time your in so went home called the bank where upon they asked me if I had made a donation to a female religios from in the states for about 150 bucks No I hadnt well how about $500 to the same group no was my answer then he say then you probably didnt donate over 11 and a half thousand dollars to the same group all in that same day withinban hour of each other of course I hadnt and he said thats why the blocked the card he said it would take upto three weeks to get back but I got it back in about a week, the banks are onto this usually pretty quick
bushbeaver
Posts: 159
Date Joined: 08/07/13
The card was cloned. I got
The card was cloned. I got taken for $20 000 in August in the same manner.
Somebody gets hold of your card number, this can be from anywhere (i.e even a database of a company which you pay by monthly debit from your card). A computer is used to crack the 4 digit pin number: It generates a pin number, then tries to put a transaction through for every number it generates (in my case it was $0.00 credit). As soon as a transaction goes through, they know they have the pin and are in business. Then your card number and pin gets sold online on a site like this http://www.bullhornreach.com/job/1589524_icq-679053225-sell-cvvtransfer-wubank-loginpaypaldump-track-1-or-2-boston-ma. Somebody buys the details and writes it to a new card, then goes shopping (most transactions on my card were in the UK, one in the USA).
The banks are wise to this, thank heavens, and usually send you a text just before they freeze the card number. You are asked to sign a statutory declaration stating that you were not in the UK, Romania or wherever at the time.
To get the money back, the bank has to lodge a dispute claim. The retailer now has to prove that the transaction was legitimate. This is hard for the retailer to do, if he/she has not requested that "you" sign the transaction slip/invoice at the point of sale (I now no longer gripe when asked to sign the slip at a retailer). After about six weeks, you get most of your money back, and the retailer ends up taking the loss.
Once bitten, twice shy. All my regular debits are set up from my bank account now, not from the card. I also no longer purchase from an online vendor, unless I can pay via PayPal.
beeroclock
Posts: 733
Date Joined: 22/08/12
Yes bushbeaver that happened to my credit card in Phuket
when i arrived back to Perth after the phuket holiday the bank rang (Bank of Queensland) and told me it was being used in the UK, $14,000 had already been spent with more transactions coming through. I was pleasantly surprised how easy it was to get my money back through VISA took 6-8 weeks from memory got it all back - i thought it was gonna be a major shitfight to get the cash back
Michael Yoni
Posts: 601
Date Joined: 02/01/11
you have a 20k limit on your
you have a 20k limit on your credit card????
synthos
Posts: 522
Date Joined: 23/06/07
almost
if you would brute force try to hack the pin the bank would pick up on it as the pin is not stored on the card itself. Its with the bank otherwise you would not be able to change the pin via online banking.
Like said before usually its from a database that got taken ie sony, Telstra etc they always get done in and always want to store our details. CBA is excellent for fraud transactions but Citibank OMG worst ever to deal with.