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  1. #1
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    Default Debit Card Fruad

    Poured my morning cup of coffee, lit up a cigarette and logged on to my email.
    Message from BOA freezing my account due to irregular activity.
    Logged on to BOA to check my account and low & behold someone got hold of my Visa number and charged
    895.00 Euros at Apple-Store Luxemburg and another attempted charge of 565.00 at the MuseumInn in Austria.
    Not quite the end of the world as Visa & BOA froze my account and I am not responsible for any charges.
    Just a pain in the ass. Now I have to wait 5 days for a new card, change all my direct withdrawl for auto pay bills.
    and wait for the charges to post on my account (24-48hrs) before I am reimbursed.
    Fucking lowlife piece of shit's !
    It will always be a battle a day between those who want maximum change and those who want to maintain the status quo.
    ~ Gerry Adams

  2. #2
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    That sucks major ass Paddy. Any idea how they got the number?

  3. #3
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    Quote Originally Posted by ashauler View Post
    That sucks major ass Paddy. Any idea how they got the number?
    If I had to tak a wild guess ??????? Ordering cigarette's from the Ukraine.
    As most of the tobacco vendors I use in Europe are above board, and use well know CC processors.
    I trust the merchant in the Ukraine. I think the problem lies with the CC processor they use.
    It will always be a battle a day between those who want maximum change and those who want to maintain the status quo.
    ~ Gerry Adams

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    That really blows Paddy...sorry to hear that.

  5. #5
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    Quote Originally Posted by Paddy View Post
    If I had to tak a wild guess ??????? Ordering cigarette's from the Ukraine.
    As most of the tobacco vendors I use in Europe are above board, and use well know CC processors.
    I trust the merchant in the Ukraine. I think the problem lies with the CC processor they use.
    That sucks.

    I have had 2 fraudulent charges on mine but the wife catches them fast.
    designated whipping boy for the grammar police
    Just run everything threw a spell checker.

  6. #6
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    Hey Jamie I got those Macbooks that we talked about, but I was unable to book us those 2 suites at the Museum Inn... do you still have your contact for staying at the castle?
    Quote Originally Posted by badwhale View Post
    Buzz is smoking our cigars. This probably is his triumphant scam.

  7. #7
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    Quote Originally Posted by buzz View Post
    Hey Jamie I got those Macbooks that we talked about, but I was unable to book us those 2 suites at the Museum Inn... do you still have your contact for staying at the castle?
    Damn! that means paying for the chartered airplane is out as well... Bummer...

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    Quote Originally Posted by buzz View Post
    Hey Jamie I got those Macbooks that we talked about, but I was unable to book us those 2 suites at the Museum Inn... do you still have your contact for staying at the castle?
    Yep.....the castle was arranged months ago, slipped right through.

  9. #9
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    Quote Originally Posted by Paddy View Post
    If I had to tak a wild guess ??????? Ordering cigarette's from the Ukraine.
    As most of the tobacco vendors I use in Europe are above board, and use well know CC processors.
    I trust the merchant in the Ukraine. I think the problem lies with the CC processor they use.
    I'd say there's a 99.9% chance you're right on the money. Eastern Europe is loaded with very highly educated IT folks that are also largely unemployed. They have been turning to other means of "employment". I've been chasing those ghosts around for quite some time. Some of the most incredibly "state of the art" malicious software has been originating there. Hackers groups in Eastern Europe actually totally shut down the entire financial sector of the country of Muldova just to prove a point.

    I would suggest if you want to order cigarettes from the Ukraine - consider using a credit card that is only used for that purpose, not something you rely on. Something like a pre-paid Visa card or a very low balance credit card that can be easily shut down without affecting you like your checking account debit card. I have a $500 limit Mastercard I use for all of my online purchases (I have to keep telling them NOT to raise the limit), or I use a third party (PoopPal) so that I don't expose my information.

    Also - as a heads up - The bank may just end up taking the loss (if they like you), but be cautioned that banks do not like taking losses... Your bank may be frowning on you making purchases like cigarettes or cigars in Eastern Europe. Kind of a two edged sword - one being that you're making purchases in a very high risk environment and also that you're purchasing tobacco products outside the US. They COULD (not that they will) refuse to reimburse you the losses. If they do reimburse, they will try to charge that back to the retailer that took the bogus credit card (who is likely going to object because they want their money). If that's true - and the bank eats it - they might not be so willing to do it next time.

    Here's a link to some useful information (the best out there) in dealing with identity theives.

    Federal Trade Commission - Identity Theft site

    Good luck!
    Last edited by ggiese; 02-22-2012 at 09:53 AM.

  10. #10
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    Quote Originally Posted by ggiese View Post

    Also - as a heads up - The bank may just end up taking the loss (if they like you), but be cautioned that banks do not like taking losses... Your bank may be frowning on you making purchases like cigarettes or cigars in Eastern Europe. Kind of a two edged sword - one being that you're making purchases in a very high risk environment and also that you're purchasing tobacco products outside the US. They COULD (not that they will) refuse to reimburse you the losses. If they do reimburse, they will try to charge that back to the retailer that took the bogus credit card (who is likely going to object because they want their money). If that's true - and the bank eats it - they might not be so willing to do it next time.


    Make no mistake - your bank loves you. I've never heard of a bank willingly eat the losses on a transaction with a debit card. I've heard of customers fighting a suspicious charge and winning, but never in the manner you've described. Credit cards, however, reverse charges all the time. We never use the debit card online - ever.


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  11. #11
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    Quote Originally Posted by mrtr33 View Post


    Make no mistake - your bank loves you. I've never heard of a bank willingly eat the losses on a transaction with a debit card. I've heard of customers fighting a suspicious charge and winning, but never in the manner you've described. Credit cards, however, reverse charges all the time. We never use the debit card online - ever.
    I thought that was the point of having Visa attached to debit cards, you are allotted the same protection as a CC.
    It will always be a battle a day between those who want maximum change and those who want to maintain the status quo.
    ~ Gerry Adams

  12. #12
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    Quote Originally Posted by ggiese View Post
    I'd say there's a 99.9% chance you're right on the money. Eastern Europe is loaded with very highly educated IT folks that are also largely unemployed. They have been turning to other means of "employment". I've been chasing those ghosts around for quite some time. Some of the most incredibly "state of the art" malicious software has been originating there. Hackers groups in Eastern Europe actually totally shut down the entire financial sector of the country of Muldova just to prove a point.

    I would suggest if you want to order cigarettes from the Ukraine - consider using a credit card that is only used for that purpose, not something you rely on. Something like a pre-paid Visa card or a very low balance credit card that can be easily shut down without affecting you like your checking account debit card. I have a $500 limit Mastercard I use for all of my online purchases (I have to keep telling them NOT to raise the limit), or I use a third party (PoopPal) so that I don't expose my information.

    Also - as a heads up - The bank may just end up taking the loss (if they like you), but be cautioned that banks do not like taking losses... Your bank may be frowning on you making purchases like cigarettes or cigars in Eastern Europe. Kind of a two edged sword - one being that you're making purchases in a very high risk environment and also that you're purchasing tobacco products outside the US. They COULD (not that they will) refuse to reimburse you the losses. If they do reimburse, they will try to charge that back to the retailer that took the bogus credit card (who is likely going to object because they want their money). If that's true - and the bank eats it - they might not be so willing to do it next time.

    Here's a link to some useful information (the best out there) in dealing with identity theives.

    Federal Trade Commission - Identity Theft site

    Good luck!
    Thanks for the heads up George. BOA has already told me that they will cover the false charges. I have been an acount holder for many years with no issue.
    As far as ordering in the future, That too was my next move. I plan on opening a second checking account with a visa debit to use only for oversea's purchses. I will only deposit enough to cover the purchase plus $25.00 to leave in the account to keep it open. Or just maybe I should stop smoking cigarettes. It's easy to justify the cost at $16.00 a carton from Eastern Europe as opposed to $75.00 here in Massachusetts. Its a filthy habit I have tried in vain to brake with no luck. Maybe this is a sign
    It will always be a battle a day between those who want maximum change and those who want to maintain the status quo.
    ~ Gerry Adams

  13. #13
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    Quote Originally Posted by ggiese View Post
    I'd say there's a 99.9% chance you're right on the money. Eastern Europe is loaded with very highly educated IT folks that are also largely unemployed. They have been turning to other means of "employment". I've been chasing those ghosts around for quite some time. Some of the most incredibly "state of the art" malicious software has been originating there. Hackers groups in Eastern Europe actually totally shut down the entire financial sector of the country of Muldova just to prove a point.

    I would suggest if you want to order cigarettes from the Ukraine - consider using a credit card that is only used for that purpose, not something you rely on. Something like a pre-paid Visa card or a very low balance credit card that can be easily shut down without affecting you like your checking account debit card. I have a $500 limit Mastercard I use for all of my online purchases (I have to keep telling them NOT to raise the limit), or I use a third party (PoopPal) so that I don't expose my information.

    Also - as a heads up - The bank may just end up taking the loss (if they like you), but be cautioned that banks do not like taking losses... Your bank may be frowning on you making purchases like cigarettes or cigars in Eastern Europe. Kind of a two edged sword - one being that you're making purchases in a very high risk environment and also that you're purchasing tobacco products outside the US. They COULD (not that they will) refuse to reimburse you the losses. If they do reimburse, they will try to charge that back to the retailer that took the bogus credit card (who is likely going to object because they want their money). If that's true - and the bank eats it - they might not be so willing to do it next time.

    Here's a link to some useful information (the best out there) in dealing with identity theives.

    Federal Trade Commission - Identity Theft site

    Good luck!
    The CC processer the cigarette company uses is one of the smaller ones that ONLY takes VISA. I tried my Amex with no luck.I have seen this on a number of Eastern European sites, VISA ONLY. No Amex or Mastercard.
    It will always be a battle a day between those who want maximum change and those who want to maintain the status quo.
    ~ Gerry Adams

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