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Hacked for the Holy days
- Thread starter Lew L
- Start date
Bob Denman
New member
:shocked:
I hope that you can get it all sorted out with a minimum of...
...Kaos!
Good Luck! :thumbup:
I hope that you can get it all sorted out with a minimum of...
...Kaos!
Good Luck! :thumbup:
billybovine
Active member
Sorry to hear that. Your financial institution should cover your full loss, but there may be some haggling.
By the way have you folks in the US finally joined the rest of the world and gone to Chip and Pin credit cards. That from what I have read will reduce credit card fraud by 80 to 90% over magnetic strip.
By the way have you folks in the US finally joined the rest of the world and gone to Chip and Pin credit cards. That from what I have read will reduce credit card fraud by 80 to 90% over magnetic strip.
BLUEKNIGHT911
Sadly Passed Oct 2024 - RIP
CHIP & PIN
I can't speak for the rest of the US but in Vt. they have been very slow about this ( even tho the retailers have been paying fines for non-compliance :banghead: ). Only in the past few months have they been chatching up ...... Mike :thumbup:
BLUEKNIGHT911
Sadly Passed Oct 2024 - RIP
HACKED
Sorry to hear this ..... that su*ks big time :yikes::banghead::banghead::banghead::banghead:.........Mike :thumbup:
Sorry to hear this ..... that su*ks big time :yikes::banghead::banghead::banghead::banghead:.........Mike :thumbup:
ray:
SPECTACUALR SPIDERMAN
New member
got the chip reader in last month, old processor wanted to charge for the machine, new one gave it away & lowerd
the rates.
the rates.
billybovine
Active member
I had read that some cards where going to chip and sign. I thought how stupid is that so I did not believe it. But you say it's true. WOW! Still relying on a 18 year old part time cashier to be a handwriting expert. How safe is that.
pitzerwm
New member
In my opinion LIFELOCK is a ripoff. Credit Karma (.com) is free and solves the problem. (you also get your FICO score every month) Regulation Z protects you from all charges except $50, which so far no company has charged you.
One good thing with a hack, is that you get a 7 year fraud alert on all of your credit. This totally stops anyone from making changes or opening anything in your name. You might have to insist that they implement this.
One last thing most credit cards have the ability where you can set alerts. Am Ex you can set an alert anytime your card is used without the card being present. Chase has anytime your card is used over an amount you set. They send a text and an email.
NEVER use your debit card anywhere but a ATM. Reg Z doesn't cover your debit card!!!! So far most banks will refund losses but legally they don't have to.
Lew L
Well-known member
All done --I hope
All squared away. Card cancelled, no charges to us, the seller eats the losses. The banditoes must have made a card with our # on it. Would a retailer make a sale with just the card # and no physical card????
Thanks for your good thoughts. Be careful out there.
Kaos
All squared away. Card cancelled, no charges to us, the seller eats the losses. The banditoes must have made a card with our # on it. Would a retailer make a sale with just the card # and no physical card????
Thanks for your good thoughts. Be careful out there.
Kaos
ARtraveler
R.I.P. Dwayne
That would happen with internet purchases but should not happen with face to face merchant sales. They would need an actual card for the card reader.
wyliec
New member
I checked with my bank previously when someone hacked/jacked my debit card number for $1800, and they said it was covered. They immediately put the money back with a stipulation that after an investigation (which lasted 3 months) that the $1800 wasn't actually mine until the investigation was completed. So, that $1800 was actually in limbo for the 3 months. I have no idea what this Reg Z is; is there a link you can point me to?
To answer the OP's question, the answer is yes that there are those businesses that will take a payment with the card number, and no card. I also had a credit card that that was done to. I also got that money back, which was $1500. I was given the name of the business that had done it, and told to let them (the credit card company) handle it.
I just found Reg Z, and it only has to do with credit cards, and nothing to do with debit cards. I thought you were inferring that you are SOL if your debit card is hacked or stolen, and are liable for any charges.
Last edited:
zuni
Member
Glad you got everything worked out. I had an issue two years ago (which was resolved with no fuss) and decided to freeze all my credit (Experian, TransUnion, and Equifax). Easy to do and no more worries about anyone opening accounts or doing anything under my name. Have all the credit cards, cars, and spyders (well maybe not) so I am not in the market for credit. I can call or log into my account and get a temporary passcode if someone does need to check my credit. I had do do that in April when a company made me an offer but needed to do a financial background check. I wouldn't even carry a debit card if I could but I use it for cash. If my Amex or credit union credit cards get compromised they take care of it and send a new one. The credit card companies don't care about the loss. They charge back when they can or have it covered by the insurance they carry to cover fraud losses. While we may not pay for the losses directly, we all get to share it indirectly.
CJ JAX
CJ JAX
SpyderNeil
New member
I rode through Washington State, Idaho, Montana, Wyoming, and South Dakota on my way to and from the rally in Deadwood. I only came across one terminal that used the chip in my MasterCard, in a liquor store in Lead, and the clerk had no clue why the machine wouldn't take my card. She had never seen a Chip Card before.
Neil
Motorcycledave
Active member
Sounds like someone was doing some Christmas shoplifting
Bummer
Bummer
Bob Denman
New member
:shocked: The credit card companies send out alerts over suspicious card usage?? :shocked:
I'm a dead man! :yikes:
I'm a dead man! :yikes:
pitzerwm
New member
Legally the banks do not have to make good on your debt card thefts. For the most part they are making people hold, but I had a friend that was a moron, and got hacked a couple times, the bank quit refunding the loss.
My understanding is that if a merchant is not using the chip validation, they eat it. Many don't want to pay the fee to add that to their reader hoping that their losses are less than the fees. Of course the rest of the world has had chips for 5-7 years. At restaurants you don't hand anyone your card they have a wireless terminal at the table. Another risk removed for you.
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