Some j*rkoff hit me with a couple bogus CC charges in Old Bridge, NJ. One was from a retail store and the other from a liquor store. Both of my cards are still in my possession. The guy from the bank said, they actually attempted a 3rd transaction and was denied. He said they created the bogus CC using my information, since both transactions were done via a swipe, as well as the 3rd attempt. I'm not liable for the transactions, but it still is a hassle getting new cards and just knowing that some c*cksucker is f*cking with me.

Did you contact the police down there and make a report?

Ive had it happen to me before too. Sucks..CC isnt that bad though. I had an employer who had his identity stolen... thief cleaned out his bank accounts TWICE (personal and business accnts).. even after he went on identity theft status the bank still issued the crook another bank card and depleted all of his funds...

 

Here's another thing you should keep an eye on... I recently had my CC points stolen from me.. It makes sense.. most people dont think to check their CC points they accrue, so people come in electronically and transfer your points to an account in cash. I picked up on it a month later when I went to go cash in around $700 worth of points. Never woulda saw it coming.

It would be pretty easy to find what the person looks like. Just match up time stamps from cc use with store security cameras. All liquor stores have security cams.

Having been a victim of Identity theft, immediately contact Experian and have them put a temporary credit freeze on your account. With luck, this problem just affects your one card, and mostly likely that's all it is. In my case, I got a call like yours, and didn't think a thing of it. Chase was going to issue a new card, no fuss no muss, no big deal. Within 45 days, I was getting calls about delinquent charges at Home Depot, Toys-R-Us, Walmart, on and on and on. They tried to buy a car on my credit, they even tried to get a no document 15k home equity loan...and the best part, it was against an address in California that as far as I can tell doesn't even exist.

 

Do yourself a favor, visit Experian, go through the procedures. If it's nothing, the temp hold will go off after 90 days.

Believe it or not my wife got zapped at one time and I ended up talking to the Secret Service,Newark more than the president.

well the good news here is that the card co, picked up on it.. +1 to them.. This could have been a real hassle for you..

Most of this stuff happens when you hand your card to someone to pay for something. They swipe your card through a reader on the sly and within in minutes/hours duplicates of your card are being produced. To combat this issue some European countries have made it the law that retail establishments have to bring a CC scanning machine to your table so your CC never leaves your hand.

Most of this stuff happens when you hand your card to someone to pay for something. They swipe your card through a reader on the sly and within in minutes/hours duplicates of your card are being produced. To combat this issue some European countries have made it the law that retail establishments have to bring a CC scanning machine to your table so your CC never leaves your hand.

.....and now most of Canada.....

I used my GM card at a coffee shop in San Francisco, next thing I know it got cloned and used at an Indian reservation in northern Cal

Luckily it was an isolated case and not ID theft ,but I'd check my credit reports and bank accounts carefully for a few months.

I also had another card cloned after using it at a deli in Staten Island. Same deal.

You just have to sign an affidavit of fraud.

This isn't the 1st time I've had this happen to me, however it is the 1st time that the criminal actually created a card. In the past when I've got hit, it was via an electronic transaction whereas the person just needed to provide the card info vs. this time where he/she actually swiped a card. I hadn't thought of contacting the merchants, however I believe the CC bank will do that as part of their fraud investigation. Maybe not, who knows. It's because of this, that I've made it a habit to log onto my bank every single morning to review recent transactions to/from my credit cards, saving accounts and checking accounts. Each time I've found fraud (probably 4-6 times in my lifetime), it's been within 24-hours of the theft. I'd kill the MF'er if I ever found out who it was.

I used my GM card at a coffee shop in San Francisco, next thing I know it got cloned and used at an Indian reservation in northern Cal

Luckily it was an isolated case and not ID theft ,but I'd check my credit reports and bank accounts carefully for a few months.

I also had another card cloned after using it at a deli in Staten Island. Same deal.

You just have to sign an affidavit of fraud.

Credit Card theft is rampant in the restaurant industry, that's why I walk my card to the register as it never leaves my sight.The newer enhanced CC's with the chip that is common in Europe have their own problems from remote scanners,that's why they are issued in a Mylar type sleeve.

Did you contact the police down there and make a report?

 

IDK about you guys, but we won't take a fraud report for fraud that took place in the jurisdiction, needs to get reported in the jurisdiction you live in.

IDK about you guys, but we won't take a fraud report for fraud that took place in the jurisdiction, needs to get reported in the jurisdiction you live in.

 

Man even the cops play pass the buck huh?

Man even the cops play pass the buck huh?

 

More than you can imagine. Though my place usually winds up taking a lot of reports we shouldn't, thanks to other PDs being jagoffs.

Depends on where I am. In NYC is report gets taken in precinct of occurrence. Jersey seems to be different depending on municipality.

2 years ago my BOA debit was jacked for $238.. sucker even used overnight shipping.. (to somewhere in NJ)..

(they fixed it).

 

2 weeks ago my BOA business debit was jacked for $.99 and then like $30.xx from AL and then NV.. BOA froze the card overnight..

 

just got my new card.. I buy alot online so I am thinking somewhere there is a leak..

 

I shop Cabela's, Midway, Amazon, DSG, etc.. to just about anywhere with a good deal..

Getting jacked on the credit card is one thing, but getting ripped off on the debit side is something I'd never want to deal with. There's a big difference between someone charging again my credit card vs. someone reaching into a checking/savings account and taking your money. That really sucks.

Does anyone have any expierience with Lifelock ???? was wondering if its really worth it ??

I had someone get duplicate cards made in my name on a card I was not using and changed my address to one in Jersey City (where I have never lived) about 20 years ago. They then ran up cash advances on it until it was at about $20 below the credit limit. I only found out about it when the CC company called to ask when I was going to make a payment since it was 3 months overdue. The same people then got another card in my name, that I never had, from a bank in Maryland and did the same. I can only think that this involved people that worked in the first CC company selling my info to some crooks because they new I would not be looking for a bill in the mail on a card I had not used in 9 months.

 

As others have said, check your credit report for more fraud.

I had someone get duplicate cards made in my name on a card I was not using and changed my address to one in Jersey City (where I have never lived) about 20 years ago. They then ran up cash advances on it until it was at about $20 below the credit limit. I only found out about it when the CC company called to ask when I was going to make a payment since it was 3 months overdue. The same people then got another card in my name, that I never had, from a bank in Maryland and did the same. I can only think that this involved people that worked in the first CC company selling my info to some crooks because they new I would not be looking for a bill in the mail on a card I had not used in 9 months.

 

As others have said, check your credit report for more fraud.

 

 

Over the years, I've widdled down to only (2) credit cards, plus my debit card. I use my main CC and the 2nd as a backup, when needed. This is exactly why I check recent transactions EVERY DAY on all my accounts. It only takes a couple of minutes and allows me to catch fraud rather quickly.

Does anyone have any expierience with Lifelock ???? was wondering if its really worth it ??

 

i have had lifelock for about 5 years, the school my wife works for sighned us up cause someone stole their info and i stayed sighned on with them... Auto renewal..

From what I've heard Lifelock is considered a "scam" in the sense that it's just insurance which your credit cards normally cover anyway.

I have a promo freeze and a report freeze on my 3 major credit reports so nothing major is happening without me knowing about it.

The FedEx guy just dropped-off my replacement credit-cards. I called and had them activated with no issue, but I was a bit pissed-off. During the early part of the phone call, I was instructed to "press 1 for English". Since when did English stop becoming the default language in the good old USA? What a mess.

This crap happens to me at least twice a year. I get a call from the CC company and they ask me if I've used my card at xyz for $$$. I say nope, they send me a new card. I caught a few $5 or $10 charges also, usually web hosting companies. The crooks like to use stolen numbers to rent web hosting services so they can post their malware and criminal activities up there. I call, let them know, they send me a new card.

 

The CC companies have nobody to blame but themselves. There is ZERO securtiy around CC transactions. They choose to deal with it with backend anti-fraud detection analysis systems combined with sucking up the fraudulent charges on the ones that get by. It is simply too expensive for them to impliment security. Until the fraud costs start to break even with the cost of deploying and maintaining CC security (like chip+pin), they will continue to do so.

Credit Card theft is rampant in the restaurant industry, that's why I walk my card to the register as it never leaves my sight.The newer enhanced CC's with the chip that is common in Europe have their own problems from remote scanners,that's why they are issued in a Mylar type sleeve.

Chase forced that on me. I found a solution though, find the chip in the card and knock it out with a hole punch. No more wories about it. Google it.

Ken

I hope these c*cksuckers get butt-f*cked viciously while in prison. There's nothing I hate more than a liar and a thief.

 

 

 

Four Members of Large Scale ID Theft Ring Sentenced

press release Feb. 23, 2012

NEWARK, NJ—Four members of a large-scale and sophisticated identity theft scheme have been sentenced to prison terms for their respective roles in the fraud, U.S. Attorney Paul J. Fishman announced.

 

Yoon-Hee Park, 57, of Flushing, N.Y., was sentenced today by the U.S. District Judge Katharine S. Hayden to 54 months in prison. Park was also sentenced to two years’ supervised release and ordered to pay restitution of $423,367. Byung Jang, 47, of Fort Lee, N.J., was sentenced by Judge Hayden to 48 months in prison, two years’ supervised release and ordered to pay restitution of $295,215. On Nov. 1, 2011, both defendants pleaded guilty to informations charging them with one count each of conspiracy to unlawfully produce identification documents and to commit credit card fraud and one count each of aggravated identity theft.

On Feb. 15, 2012, Judge Hayden sentenced Kyung-Ki Kim, 51, of Edison, N.J., to 11 months’ in prison and ordered him to pay $74,864.65 in restitution. On Nov. 1, 2011, he pleaded guilty to an Information charging him with conspiracy to unlawfully produce identification documents and to commit credit card fraud. Judge Hayden sentenced Sung-Rok Joh, 54, Palisades Park, N.J., six months in prison and six months home confinement and ordered him to pay $79,333. On July 12, 2010, Joh pleaded guilty to an Information charging him with conspiracy to unlawfully produce an identification document and to commit credit card fraud

Yoon-Hee Park, Byung Jang, Kyung-Ki Kim, and Sung-Rok Joh were arrested on Sept. 16, 2010, in a coordinated law enforcement takedown of 53 individuals in connection with widespread, sophisticated identity theft and fraud, including 40 other individuals charged with participating in one large-scale criminal enterprise.

 

According to documents filed in this case and statements made in Newark federal court:

Sang-Hyun Park, a/k/a “Jimmy,” is alleged to have been the leader of a criminal organization headquartered in Bergen County, N.J., that obtained, brokered, and sold identity documents to customers for the purpose of committing credit card fraud, bank fraud and tax fraud. As part of the scheme, the Park Criminal Enterprise obtained Social Security cards beginning with the prefix “586.” Social Security cards with that prefix were issued by the United States to individuals, usually from China, who were employed in American territories, such as American Samoa, Guam, and Saipan. The Park Criminal Enterprise sold these Social Security cards to its customers and then escorted the customers to various states to use the cards to obtain identification cards and driver’s licenses.

 

The Park Criminal Enterprise then engaged in the fraudulent “build up” of credit scores associated with these fraudulently obtained identities. They did so by adding the identity as an authorized user to the credit card accounts of various co-conspirators who received a fee for this service—members of the enterprise’s credit build-up teams. By attaching the identities to these existing credit card accounts, the teams increased the credit scores associated with the identities to between 700 and 800. The members of the build-up teams knew neither the real person to whom the identity belonged nor virtually any of the customers who had purchased the identities.

 

After building the credit associated with these identities, Park and his co-conspirators directed, coached, and assisted his customers to open bank accounts and obtain credit cards. Park and his co-conspirators then used these accounts and credit cards to commit fraud. In particular, Park relied on several collusive merchants who possessed credit card processing, or swipe, machines. For a fee, known as a “kkang fee,” these collusive merchants charged the fraudulently obtained credit cards, although no transaction took place. After receiving the money into their merchant accounts from the credit card elated to these fraudulent transactions, the collusive merchants gave the money to Park and his co-conspirators, minus their “kkang fee.”

 

Yoon-Hee Park, Byung Jang, and Kyung-Ki Kim, and Sung-Rok Joh were customers of the Park Criminal Enterprise. Sang-Hyun Park pleaded guilty on Jan. 9, 2012 and is awaiting sentencing.

 

As for the other members of the Park Criminal Enterprise, the charges and allegations contained in the Complaint are merely accusations, and the defendants are considered innocent unless and until proven guilty.

Last Thursday I tried to use my Cabelas card at Shoprite and it didn't work. New card I got a few weeks ago because the first one stopped working because the magnetic strip got messed up. The strip on this card looked dirty, maybe even chipped, so I thought not again.

 

Later that day I got a call from Cabelas credit card asking if I charged $689 to Paypal. Said nope, never used paypay. Did I charge $2.57 at Value Furniture, said nope.

 

Confirmed that I tried it twice at Shoprite.

 

They told me the 2 charges were fradulent. The $2 one went through, but the $689 looked suspicious and they stopped it.

 

Closed my account and sending me new cards. I was glad they caught it and called me, but it does suck.

 

They said they usually try a small one and if it goes through, they then go for a bigger hit.

Getting hit a few times in my life, my best advise is to check all your financial stuff online EVERY DAY. Don't rely on getting called by the bank or your CC company.

Getting hit a few times in my life, my best advise is to check all your financial stuff online EVERY DAY. Don't rely on getting called by the bank or your CC company.

 

Yep, since I got the call, I check my accounts every day.