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Old 05-07-2004, 01:56 PM   #15
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They bought the URL with bogus info, of course, and probably a stolen credit card number... They're alot smarter than that!

Sorry, Ron, but remember that your liability is only $50 on your credit card.

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Old 05-07-2004, 02:33 PM   #16
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What about all the bank accounts? Are the covered under the FDIC $100k thing?

Sorry to hear the problem Ron. I'd love to meet folks that do that......

Eric
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Old 05-07-2004, 03:23 PM   #17
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Mighty Bad mighty Sad news Ron. Hope it is taken care of in almost full at least. Really wierd that your savings account was breached IMO. Ought not be a crossover authority to make that happen and I'd sure take that up with the bank president. If its a chain bank don't get swept under by some cute little asst vp. they're a dime a dozen in the banking industry. It happens to the best of people all too often, but it is kind of you to alert us all.

I have tried at 3 different banks that I do business with to aquire a credit card with only a 300 dollar limit. No way they will do that for me. The least I have been offered is 1850.00 line of credit.
I only want the low-ball to use on line. I figure if I get scammed it can only do some SOB 300.00 worth. Of course the banks don't agree. I think I was offered a 350 dollar card when I was a Freshman in college, no credit history and no job. I didn't take it but often wished I had.

I have never put my credit card or my SS numbers on line for any reason.
I occasionally have used a credit card number on the telephone, and am always paranoid that it will treat some thief to a joy ride or two. I only use a land line phone only for such business but whose to know what the other end is using, or how honest they are themselves?

I have a brother who is a Police ID theft and Bunko Fraud Detective and he says that in the large city where he works that the overwhelming majority of the perpertators are aliens, not all illegal. Most from Nigeria and other African nations according to him. I look forward to asking him about the rumors that so many cases are not pursued. My guess is that if true it is because of the sheer load or crimes vs the number of personnel available. Or the history of the long odds against tracking many of the creeps down for conviction.

It is a mean, cold, hard, rotten, teeming jungle out there and anyone who thinks otherwise is a naive Pollyanna. The underworld is all around us. Including gypsy shysters and some Irish cartel (Irish Travelers) in many of the trailer parks and campgrounds of North America. Trust few Verify all, lock your doors, secure your Airstream, count your blessings and vote for Kerry .....right...when pigs fly oh and turn in your guns...
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Old 05-07-2004, 03:58 PM   #18
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Are they covered under the FDIC $100k thing?
FDIC is only to protect you if the bank fails. That is why you never put more that $100,000 in a bank account. Came from the depression era when banks failed left and right.

I saw it work about 12 years ago when our local bank failed. People lost millions because they had over $100k in the accounts. The bank had been bought by a consortium of car dealers in Houston and they used it to floorplan there dealerships by making shady loans to themselves. Ripped off a ton of people.
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Old 05-07-2004, 04:04 PM   #19
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If I go back to my days as a banker there used to be a federal requlation that required that any kind of EFT debit on a checking or savings account required a preauthorization from the account holder. If we didn't have the preauthorization flag on, the transaction would kick out. If that reg is still valid, you will get 100% back on those accounts. You may lose $50 on the credit card. It just depends on your card granter. The nasty problem is lost debit cards. I don't believe there is any federal protection there like credit cards, and the policy for refund is up to the individual bank. Always a good question to ask when you get that debit card.

I think I just saw an ad on TV for a national bank that promises to restore fraud lost money in 24-48 hours.

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Old 05-07-2004, 04:59 PM   #20
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You have my sympathy. I'm still recovering from a few weeks ago when someone somehow gained access to my Paypal account somehow. It happened when I was sitting at my computer. I started getting conformation emails on the purchases I just made. Hadn't used Paypal in ages! And the confirmations were stacking up quick. I went to Paypal real and struggled for a few minutes to figure out how to stop this individual. Before it was over with they had made about $1500 worth of purchases. $850 or so were direct withdrawals from my bank account. I was able to stop all but the $850 from the bank account. I had no money in that account so it ended up overdrawn by like $1000 after the overdraft fees. I have wondered if it was someone inside Paypal that had my account info. They didn't get that password from me and Paypal locks your account when someone tries too many different wrong passwords. I wasn't at all happy the way Paypal had nothing even remotely close to a safeguard against what happened. Once I got Paypal to return the money I closed the account. It has been a HUGE hassle undoing the little bit of damage that was done to my account. I can only imagine what you're facing. I'm also very hesitant to do ANY business through ebay because of many problems I've had and stories like yours I've heard about.
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Old 05-07-2004, 06:34 PM   #21
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Sad but True

OK, here's the embarassing part....Because I am young, and liked to spend a LOT of money when I received those first credit cards at 18, I am still under the wrath of REALLY LOW CREDIT LIMITS!!!! The only credit card they were able to get ahold of was the one issued by the bank. So luckily they are handling ALL of it. Best part is, there was only about $50 left on the CC.

Normally the checking accts. would have had much less money in them, but the money for the Overlander Rehab was in there.

I live paycheck to paycheck, which I have always hated, until it brought me three airstreams that I couldn't afford....LOL

Everytime I hit financial trouble, I think.....I could sell the Safari.....NO!!! I need that to live in when I loose the house!!!!

I'm just kidding, really, but it does cross my mind to sell the house to pay off all of the airstreams.....

You guys have all been fantastic. I had a long day today, and it's so awesome to come home and find so many supportive Messages. I have to PM a couple of you about things that I didn't realize I needed to do, but I think I am taking the rest of the night off of this computer, and my finances, and what I'm going to live off of for hte next two weeks, etc.

OH!!!! So I left the house this morning, after all this happened, and realized i was going to have to pay cash for gas..... It's the FIRST time it's hit me how high gas prices are....$1.99/gallon in hte city....HOLY CRAP!!!!

Thanks again!!!!

Ron
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Old 05-07-2004, 06:48 PM   #22
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Ouch!

I'm sorry to see what they did to you and agree with some that they will get away with it until they slip up. When caught they will never get what they have coming to them, a bullet between the eyes AFTER they make restitution. In the last year I have had PayPal and Yahoopaydirect as me to update my account info which I would not do. They both asked me to become verified by listing a savings or checking account # and my sixth sense told me it was none of their business. I guess I was right.
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Old 05-07-2004, 08:43 PM   #23
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Our local Internet Service Provider sent all their customers several warning concerning PayPal and the ebay scam. I am located in central Texas in a rual community and everyone try's to take care of everyone else. Being out in the middle of no where does have its benifits. I agree with several of the writers, I only give my information out via landline and to a company that I call. I am a retired mainframe computer operator and I do not trust them. Customer beware!
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Old 05-07-2004, 08:55 PM   #24
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Ron,
I'm sure by now that you've heard it from everyone, but I'll say it one more time: don't ever even open an email form someone that you dont recognize delete it and never never never give your personal information to anyone emailing you asking for it. When my credit card information was stolen ,on a "secure" site,the police and FBI in the U,S. and the authorities in the U.K.both said that they can't and won't do anything about it. It's just not a priorty. Bigger fish to fry. These theives know it so they operate with impunity, and most never get caught. They jusdt make your life miserable.
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Old 05-07-2004, 10:15 PM   #25
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Ron,
So sorry I recieved that same email from Ebay but had been warned by my internet server also... so I sent a copy of the email directly to Ebay and Paypal...which they confirmed was fradulent. I was lucky. It's a sad fact of the times we live in. I buy my AS parts from Andy online, and never worry but I also buy other hard to find items online with a CC. I try to choose sites I feel are secure like well-known companies but it could happen , I take that chance as we all do anytime we use our CC anywhere. It's tough, don't let it get you down Ron. Thank goodness your bank is going the extra distance for you ... someone has to huh? Wish I was close enough to bring over dinner for ya. Hang in there.
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Old 05-07-2004, 11:45 PM   #26
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I buy stuff online all the time - no choice really because the shopping opportunities out here are pretty limited. We've never had a problem with it. It never hurts to be cautious though. There have been times that I bought stuff from Amazon even though I found it cheaper at Joe's Clearance Shack, just because I thought Joe seemed a little shady, and I trust Amazon not to lose my card information. Who knows, maybe Joe was ok, and Amazon is actually more in danger of being hacked and having my card stolen, but it made me feel safer.

One thing I know for sure, on the couple occasions where someone has tricked us into selling them something with a stolen card (we have additional safetys in place now, so that hasn't happened in a while), VISA yanks that money back out of our merchant account. I don't see why a cardholder would be responsible for even $50, because it's not like the merchant gets his money and VISA absorbs the loss. The merchant is the one who takes the hit. VISA's only cost is handling it.
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Old 05-07-2004, 11:50 PM   #27
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I don't see why a cardholder would be responsible for even $50, because it's not like the merchant gets his money and VISA absorbs the loss.
Most credit card companies won't even charge the $50. Federal law states that they can if they wish.

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Old 05-08-2004, 12:38 AM   #28
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Sorry..

Quote:
Originally Posted by tin can luv
OK, here's the embarassing part....Because I am young, and liked to spend a LOT of money when I received those first credit cards at 18, I am still under the wrath of REALLY LOW CREDIT LIMITS!!!! The only credit card they were able to get ahold of was the one issued by the bank. So luckily they are handling ALL of it. Best part is, there was only about $50 left on the CC.
Normally the checking accts. would have had much less money in them, but the money for the Overlander Rehab was in there.
I live paycheck to paycheck, which I have always hated, until it brought me three airstreams that I couldn't afford....LOL
Everytime I hit financial trouble, I think.....I could sell the Safari.....NO!!! I need that to live in when I loose the house!!!!
I'm just kidding, really, but it does cross my mind to sell the house to pay off all of the airstreams.....
You guys have all been fantastic. I had a long day today, and it's so awesome to come home and find so many supportive Messages. I have to PM a couple of you about things that I didn't realize I needed to do, but I think I am taking the rest of the night off of this computer, and my finances, and what I'm going to live off of for hte next two weeks, etc.
OH!!!! So I left the house this morning, after all this happened, and realized i was going to have to pay cash for gas..... It's the FIRST time it's hit me how high gas prices are....$1.99/gallon in hte city....HOLY CRAP!!!!
Thanks again!!!!
Ron
Ron,
I'm sorry to learn of this~(I must admit that when I first saw the title, I passed it over and, it wasn't until I open'd it that, I then realized what had happen'd to you.. )
You're so very lucky to be able to recover from this with no more damage than what you described~
Sometime you get a chance, send me a PM...I've outline a course of defense on my puter that I'll share with you..Nothing beats that first line of defense and, now you know what that one is..
Thanks for sharing your information..btw, don'tever sell your unit~!!
Again, Good Luck in the outcome~!!
ciao
53FC
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