Identity theft ?

[TNJAKE]

I did not have that much trouble. None of the three asked me for much info, that I recall. But I am getting a lot of spam emails from Experian, which I've unsubscribed but ... a lot of good that does.

I've gone to using PayPal as a digital wallet for all on-line shopping, bill pay,etc. I can still use any number of credit cards or my bank account to make purchases, but the extra layer of protection might keep me from going through this again. The only problem with that , so far ... is not everyone is working with Paypal.

Pay pal is probably the worst place to share your info. Just had another huge data breach the other day and many many in the past

 

[jcam222]

My Visa debit card was hacked a couple years ago. They spent around $2K on hotels , Ubers, restaurants and bars partying for a weekend. Got it all back but the paranoia of being hacked again lingers damn near forever.

 

[Smokin Okie]

Pay pal is probably the worst place to share your info. Just had another huge data breach the other day and many many in the past

I've not had any trouble with PayPal for a long number of years. That's my experience and today, that's about all I can rely on.

 

[chopsaw]

I've not had any trouble with PayPal for a long number of years. That's my experience and today, that's about all I can rely on.

I use it too , and no trouble so far . They have actually got me my money back on two occasions . I have a service through my bank called Privacy assist . I have to pay , but they don't miss anything .

Here's something I do for daily and online purchasing . I assign the card to an account that I only keep enough money in to cover the purchases . That way if someone gets it and tries to use it , the money runs out on them .

 

[Smokin Okie]

I'm not liable for fraudulent charges on my credit cards. But the hassle of going through this procedure, like working with the bank, getting new cards issued, updating all my online subscriptions , etc .... its a royal PITA.

 

[JC in GB]

Not to downplay your situation but whenever I hear this I wonder why big credit corporations are not vigorously pursuing legal remedies against these thieves? The millions stolen get written off and made up for by increased user fees. Have you ever heard of these credit thieves getting caught and prosecuted? This may be the biggest part of the problem. No consequences for the thieves will invite more and more theft. End of rant......

JC

 

[JC in GB]

I use it too , and no trouble so far . They have actually got me my money back on two occasions . I have a service through my bank called Privacy assist . I have to pay , but they don't miss anything .

Here's something I do for daily and online purchasing . I assign the card to an account that I only keep enough money in to cover the purchases . That way if someone gets it and tries to use it , the money runs out on them .

My Pay Pal account got hacked over a year ago. PayPal refused to restore it. I ended up having to abandon PayPal. Some thief hacked my account and I got punished for it.

JC

 

[Brokenhandle]

I think sooner or later almost every company gets hacked. Lifelock even had a data breach awhile back.

Ryan

 

[Smokin Okie]

Well, actual damages to the bank were minimal, in my case.

I got an email from the bank ( BOA ) last week, they were providing the access code I had requested. Cept I'd not requested a code. I notified them that it was not me.

So a couple days later when a charge hit my account for $1500 from a on-line car stereo dealer, it was declined. They were watching my account. Two smaller amounts, about $40 total, to the credit bureaus were held up , pending me contacting BOA to verify.

BOA had good procedures in place to protect me and them. So I could see them writing off the $40 because of the cost/benefit ratio. And they're still not out the $40, its in dispute.

Again, its just a lot of trouble for me.

 

[Flatrate]

Glad some have had no problems with PayPal, I never have either, but I would probably trust my ex-wife with my money before them. And thats saying something.

 

[Smokin Okie]

Glad some have had no problems with PayPal, I never have either, but I would probably trust my ex-wife with my money before them. And thats saying something.

Hey, its just another layer of protection.

It can't hurt anything. First , the thief has to get through my bank, then they've gotta get through PayPal. Its tough sledding for a thief .

EDIT ... I think they've gotta get through PayPal first, then deal with my bank. And I'm not giving any info to PayPal that I would not be giving directly to the merchant.

 

[Winterrider]

Its tough sledding for a thief

That's all some of those worthless ba*tards have to do is sit around and figure out how to scam someone. Penalties are not near harsh enough so no biggy if get caught. Get a Fricken job . . .

 

[6GRILLZNTN]

Well, actual damages to the bank were minimal, in my case.

I got an email from the bank ( BOA ) last week, they were providing the access code I had requested. Cept I'd not requested a code. I notified them that it was not me.

So a couple days later when a charge hit my account for $1500 from a on-line car stereo dealer, it was declined. They were watching my account. Two smaller amounts, about $40 total, to the credit bureaus were held up , pending me contacting BOA to verify.

BOA had good procedures in place to protect me and them. So I could see them writing off the $40 because of the cost/benefit ratio. And they're still not out the $40, its in dispute.

Again, its just a lot of trouble for me.

As much as I hate BOA, they were on top of things when my card was hacked several years ago. Probably the only reason I still bank with them. They do love their fees.

 

[Smokin Okie]

Still having problems with this issue.

After getting a new card from BOA, Sesame Credit Premium and Experian billed my card again two weeks later. Then after getting a new card again, in the first week of February, Sesame Credit Premium and Transunion billed my card.

Yesterday, I see that Sesame Credit Premium has billed me again.

I have no idea how they keep getting my new card numbers.

And yesterday, BOA balked at issuing a new card. I was told the problem was Mastercard. And Mastercard was the ones causing the Sesame Credit Premium billing. And not only that, I would have to call Mastercard to get this straightened out. I told them that made no sense to me at all.

I became very angry. This is not my problem to deal with. Its the banks problem that should've been solved after it happened once.

But I jumped through their hoop and called the Mastercard number they gave me, and of course, I got nowhere. Mastercard had no idea what I was talking about, which I told BOA would be the case.

I spent two hours last night on the phone.

I'm done with BOA. I'm not asking for a new card / account. I'm closing the account and moving on. And then I'm beginning the process of moving my other accounts, including my IRA with BOA/Merril Lynch. I'm not overjoyed with Merril Lynch, anyway. All over a $15 charge. If BOA is not technically competent enough to correct this problem, then I don't trust them for anything else.

I've never had this kind of problem with a credit card and I got my first one in the 1970's. As far advanced as technology becomes, the more screwed up the world becomes. People can't deal with it. Simple things become too complex, because its constantly " new and improved ", and then it all becomes a big mess.

All you young people, good luck with AI. And autonomous driving cars ............ bwwahahaha

 

[mike243]

Wifes debit card has been hacked 3-4 time at restaurants , I much prefer where they bring the card reader or I stand there and watch now

 

[TripleLindy]

Still having problems with this issue.

After getting a new card from BOA, Sesame Credit Premium and Experian billed my card again two weeks later. Then after getting a new card again, in the first week of February, Sesame Credit Premium and Transunion billed my card.

Yesterday, I see that Sesame Credit Premium has billed me again.

I have no idea how they keep getting my new card numbers.

And yesterday, BOA balked at issuing a new card. I was told the problem was Mastercard. And Mastercard was the ones causing the Sesame Credit Premium billing. And not only that, I would have to call Mastercard to get this straightened out. I told them that made no sense to me at all.

I became very angry. This is not my problem to deal with. Its the banks problem that should've been solved after it happened once.

But I jumped through their hoop and called the Mastercard number they gave me, and of course, I got nowhere. Mastercard had no idea what I was talking about, which I told BOA would be the case.

I spent two hours last night on the phone.

I'm done with BOA. I'm not asking for a new card / account. I'm closing the account and moving on. And then I'm beginning the process of moving my other accounts, including my IRA with BOA/Merril Lynch. I'm not overjoyed with Merril Lynch, anyway. All over a $15 charge. If BOA is not technically competent enough to correct this problem, then I don't trust them for anything else.

I've never had this kind of problem with a credit card and I got my first one in the 1970's. As far advanced as technology becomes, the more screwed up the world becomes. People can't deal with it. Simple things become too complex, because its constantly " new and improved ", and then it all becomes a big mess.

All you young people, good luck with AI. And autonomous driving cars ............ bwwahahaha

We recently had some issues with BoA but almost the opposite of what you’re going through. We had some very small charges hit our credit card in the middle of the night. Two charges for $0.01 and one for $0.15. BoA caught them, alerted us, and sent new cards. New cards kept getting rejected, even after more than 5 calls to BoA fraud dept. Canceled the new card and got another one. Same thing. Finally, the 3rd one is working, but I’ve spent at least 3 hours on the phone over 3 weeks trying to get it resolved. Good thing we have a backup credit card that we keep in our home safe for emergencies.

I’m pretty sure our fraudulent charges stemmed from some spark plug wires that I ordered from O’Reilly Auto Parts. That order was placed the same day as the fraud charges. And the vendors who hit our account with small charges had names that sounded like they were from the automotive industry: Heavy Hitches or something like that. Plus, the O’Reilly charge was the only out of the ordinary charge during that time. All other charges were normal, repetitive charges, like the grocery store.

 

[old sarge]

Sad world we live in. Hope you get this all sorted out.

 

[jcam222]

Phishing , social engineering and subsequent ID theft is an epidemic. Both individual and corporations alike are under attack daily. I’m sure this is largely an unpopular opinion but this world is in need of a return to severe physical and capital punishment, biblical style. Cut off fingers, hands, poke out eyes and put to death murderers and repeat offenders. Watch how fast the world would straighten out.

 

[old sarge]

Phishing , social engineering and subsequent ID theft is an epidemic. Both individual and corporations alike are under attack daily. I’m sure this is largely an unpopular opinion but this world is in need of a return to severe physical and capital punishment, biblical style. Cut off fingers, hands, poke out eyes and put to death murderers and repeat offenders. Watch how fast the world would straighten out.

What keyed me in your post was the reference to the Bible. When one considers all that is wrong in this world be it morality, murder, wars, greed, corruption, the weather, famine and drought, and theft of identification etc. it brings me to the prophesies in the gospels as well at the final book, Revelation. I am at peace. But many may not be that secure.

 

[TNJAKE]

I'm an extremely cautious person when it comes to my personal info. I'm on vacation in the mountains right now and just checked my account and noticed a $988 zelle transaction from today. Immediately called bank and they canceled my debit card, locked my account and let me know id have my money back within 3 days. Luckily I have other accounts so vacation rolls on.......I've never sent money using transfer apps. I don't trust it. I say all this because no matter how careful you may be, those asshole thieves can still get ya!