I have been a victim of Credit Card Fraud - My first time

[Spur]

Wow

Talk about one of those "I can't believe it happened to me" moments

Whoever it was....had only in the last month bought some small web-site tools off foreign sites AND then went to emusic.com and others for his music needs. Then he went to a few other wine places online and ordered foriegn wine to be delievered to several locations through the US and Europe

I really, really, really, really wish I could get my hands around this mother*******s neck

But, it will be refunded but a pain to deal with

[USC80]

Do you know how they got your information?

[Spur]

No clue

Worries me

[The Dude]

Happened to me about a year ago for the first time...

Some POS went to freaking WALMART in Mississippi and somehow used "my debit card"...about 700 dollars in charges

Sure, they refunded my money, but it just pisses me off...
My bank said they had to wait for the transaction to clear to Walmart first...I was like "hold on a minute...Walmart fails to do their part (i.e. either show ID, or force the person to enter a PIN) yet they get their money? Why not tell Walmart 'you know what...since your employees didnt do what they're supposed to, its up to YOU to track down the guy and get your money'"

But, no...instead we let the transaction clear, i get refunded, and the guy (or girl) gets away...

[Ga_Gamecock]

lifelock.com

they have already cut out a ton of junk mail for me, besides putting the lockdown on my ID

[The Dude]

lifelock.com

they have already cut out a ton of junk mail for me, besides putting the lockdown on my ID

is it expensive?

[usc90grad]

Someone stole my wife's credit card number about 2 years ago. It happened at a clothing store at the mall. The clerk...some young kid...swipped her card...said it didn't work and swipped it again.

We later found out the 2nd swipe was into a card reader that captured the card number. She ran up about $5,000 in purchases at Wal-Mart, Lowes, etc...before the credit card company caught on (they were very slow in respoding in my opinion).

We weren't liable for a penny though.

[usc90grad]

lifelock.com

How do they prevent someone from stealing your CC number?

[Snake]

Happened to my wife 8 years ago........luckily we found the guy (Convicted Him) and he got time in Federal Prison in 2002. (what a headache)

the dumbass actually signed his real name to one of his charges at a dentist office and we were able to track the guy down.

[cack]

i got a call from my bank a few years back saying that they believe my card had been hacked into and my informatoin stolen ... so i had it shut down and got a new one ... never had any charges actually made to my account tho

[acejrock]

im sure that lifelock works but their commercials SSSSUUUUUCCCCKKKKKK!!!!!

[usc90grad]

It's probably just a coincidence, but I noticed Hog is selling a lot of wine on E-bay.

[johnnyb]

im sure that lifelock works but their commercials SSSSUUUUUCCCCKKKKKK!!!!!

yep, the guy has balls tho, putting his ssn out there like that

[Spur]

I got to give Chase Bank a lot of credit

They called me to tell me they suspected it due to the number of foriegn based charges

[ColaCock]

I'm Todd Davis, CEO of LifeLock. My social security number is 457-55-5462. Yes, that really is my social security number. No I'm not crazy. I'm just sure our system works. Just like we have with mine, LifeLock will make your personal information useless to a criminal. And it's GUARANTEED."

[Spur]

lXANhTH_oSo

[ColaCock]

yep, the guy has balls tho, putting his ssn out there like that

actually he had his identity stolen a couple months after the commercial's started running...some guy in Texas took out a $500 loan from a check cashing place. Well, the company didn't run a credit check (which would've revealed the fraudulant activity) before giving out the loan...so LifeLock couldn't prevent anything. Irony at its best!

[johnnyb]

actually he had his identity stolen a couple months after the commercial's started running...some guy in Texas took out a $500 loan from a check cashing place. Well, the company didn't run a credit check (which would've revealed the fraudulant activity) before giving out the loan...so LifeLock couldn't prevent anything. Irony at its best!

you know i was wondering about that, you would think a certian type of person would see that as a challange, and do it just to prove it could be done

[usc90grad]

Spur...since this was your first time, the next time they steal your credit card info, they won't have to be so gentle.

:woo:

[Gamecock Rob]

actually he had his identity stolen a couple months after the commercial's started running...some guy in Texas took out a $500 loan from a check cashing place. Well, the company didn't run a credit check (which would've revealed the fraudulant activity) before giving out the loan...so LifeLock couldn't prevent anything. Irony at its best!

I mean that isnt LifeLock's fault, its the company's. Im surprised Todd doesnt own that little company in Texas now after that one.

My dad actually got the plan as well, and I believe there is a way to set up a whole family and you get cheaper rates the more people you put on there. I have gotten less junk mail and stuff like that, which is very nice.

[SpuR48]

Sorry to hear that Spur. I think after reading some of these things, I'm going to investigate the Lifelock deal. $110 bucks a year or $10/month sounds pretty reasonable to me.

[Ga_Gamecock]

I have gotten less junk mail and stuff like that, which is very nice.

very nice .. much less CC apps already

[Ga_Gamecock]

How do they prevent someone from stealing your CC number?

Does LifeLock monitor my credit card transactions?


LifeLock does not monitor your credit card transactions. However, your credit card accounts would still be covered by our $1 Million Total Service Guarantee should your information be used fraudulently.
We do suggest that you write down all of the contact information for the cards that you carry in your wallet and keep them in a secure place. Then, if ever your wallet is stolen, just give us a call. With our free WalletLock service, we can help you contact the document issuing companies to cancel your stolen cards and reissue new ones.



http://www.lifelock.com/lifelock-for-people/what-to-expect/does-lifelock-monitor-my-credit-card-transactions









Here's what you can expect once you have provided us with all of your critical membership information:


http://www.lifelock.com/common/img/titleEnrollment.gif
http://www.lifelock.com/common/img/iconPerson.gif Welcome to LifeLock!

Upon enrollment you are immediately covered by our $1 million service guarantee. http://www.lifelock.com/common/img/titleCreditBureaus.gif
http://www.lifelock.com/common/img/iconDocument.gif Within 24 hours of our request:

You will receive an email from us stating that fraud alerts (http://www.lifelock.com/lifelock-for-people/how-we-do-it/what-is-a-fraud-alert) have been requested on your behalf. When fraud alerts are established with the major credit bureaus, creditors are required to verify your identity before opening any new lines of credit, issuing new cards or increasing your credit limit. http://www.lifelock.com/common/img/iconDocument.gif You will receive an email from us stating that your credit reports have been ordered on your behalf from the major credit bureaus. Your reports will be sent directly to you. http://www.lifelock.com/common/img/titleYourLocks.gif
http://www.lifelock.com/common/img/iconLock.gif Every time you apply for new credit or someone tries to do something with your credit:

You should receive a phone call from the bank asking if you are actually the person applying for credit in your name. If you are, great. If not, the transaction stops. http://www.lifelock.com/common/img/titleJunkMail.gif
http://www.lifelock.com/common/img/iconMail.gif On the next business day after our request:

You will be sent an email from us stating that we have processed the request to remove your name from Junk Mail lists. Not only is junk mail annoying, statistics show it’s also one of the most common ways thieves hijack your identity. http://www.lifelock.com/common/img/titlePreApproved.gif
http://www.lifelock.com/common/img/iconBlock.gif You will be sent an email from us saying that we've asked for you to be removed from pre-approved credit offer lists. Like junk mail, by blocking irritating offers, we also block one of the avenues thieves use to steal your identity. http://www.lifelock.com/common/img/titleResults.gif
http://www.lifelock.com/common/img/iconPhone.gif Once we have made the requests:

You will receive letters from the credit bureaus confirming that fraud alerts (http://www.lifelock.com/lifelock-for-people/how-we-do-it/what-is-a-fraud-alert) have been set. http://www.lifelock.com/common/img/iconPhone.gif Your credit reports from each of the major bureaus will be sent to you. http://www.lifelock.com/common/img/iconPhone.gif You should begin seeing a dramatic decrease in Pre-approved credit card offers and other junk mail. Please note that banks with which you already do business can continue to send you offers unless you tell them specifically that you don't want them anymore. http://www.lifelock.com/common/img/titleWeDoItAgain.gif
http://www.lifelock.com/common/img/iconLifelock.gif About every 90 days and every 90 days thereafter:

Unless you tell us to stop, you will receive emails from us stating that we have requested that your fraud alerts be re-set. http://www.lifelock.com/common/img/iconLifelock.gif You will receive confirmations from the credit bureaus that your fraud alerts have been re-set. http://www.lifelock.com/common/img/iconLifelock.gif Every 12 months:

You will receive new copies of your credit reports from all credit bureaus. http://www.lifelock.com/common/img/titleSupport.gif
http://www.lifelock.com/common/img/iconLifelock.gif If your wallet is ever lost or stolen:

We’re here to help! Just give us a call and a WalletLock Specialist will help you contact each affected credit card, bank or document issuing company, cancel those accounts and complete the paperwork and steps necessary to replace your lost documents*, including your credit/debit cards, driver’s license, social security card, insurance cards, checkbook – even travelers checks – at no additional cost. You’re even covered overseas. *Pictures, cash and other monies are excluded. Member is responsible for all applicable fees charged by document issuing companies to replace lost or stolen documents. http://www.lifelock.com/common/img/icon-Support.gif If you ever have a question or need help:

Our highly trained specialists are here to assist you 24 hours a day, seven days a week at 1 800 LIFELOCK (543-3562).

http://www.lifelock.com/lifelock-for-people/what-we-do/how-does-lifelock-protect-my-identity.aspx

[SpuR48]

Does LifeLock monitor my credit card transactions?


LifeLock does not monitor your credit card transactions. However, your credit card accounts would still be covered by our $1 Million Total Service Guarantee should your information be used fraudulently.
We do suggest that you write down all of the contact information for the cards that you carry in your wallet and keep them in a secure place. Then, if ever your wallet is stolen, just give us a call. With our free WalletLock service, we can help you contact the document issuing companies to cancel your stolen cards and reissue new ones.



http://www.lifelock.com/lifelock-for-people/what-to-expect/does-lifelock-monitor-my-credit-card-transactions









Here's what you can expect once you have provided us with all of your critical membership information:


http://www.lifelock.com/common/img/titleEnrollment.gif
http://www.lifelock.com/common/img/iconPerson.gif Welcome to LifeLock!

Upon enrollment you are immediately covered by our $1 million service guarantee. http://www.lifelock.com/common/img/titleCreditBureaus.gif
http://www.lifelock.com/common/img/iconDocument.gif Within 24 hours of our request:

You will receive an email from us stating that fraud alerts (http://www.lifelock.com/lifelock-for-people/how-we-do-it/what-is-a-fraud-alert) have been requested on your behalf. When fraud alerts are established with the major credit bureaus, creditors are required to verify your identity before opening any new lines of credit, issuing new cards or increasing your credit limit. http://www.lifelock.com/common/img/iconDocument.gif You will receive an email from us stating that your credit reports have been ordered on your behalf from the major credit bureaus. Your reports will be sent directly to you. http://www.lifelock.com/common/img/titleYourLocks.gif
http://www.lifelock.com/common/img/iconLock.gif Every time you apply for new credit or someone tries to do something with your credit:

You should receive a phone call from the bank asking if you are actually the person applying for credit in your name. If you are, great. If not, the transaction stops. http://www.lifelock.com/common/img/titleJunkMail.gif
http://www.lifelock.com/common/img/iconMail.gif On the next business day after our request:

You will be sent an email from us stating that we have processed the request to remove your name from Junk Mail lists. Not only is junk mail annoying, statistics show it’s also one of the most common ways thieves hijack your identity. http://www.lifelock.com/common/img/titlePreApproved.gif
http://www.lifelock.com/common/img/iconBlock.gif You will be sent an email from us saying that we've asked for you to be removed from pre-approved credit offer lists. Like junk mail, by blocking irritating offers, we also block one of the avenues thieves use to steal your identity. http://www.lifelock.com/common/img/titleResults.gif
http://www.lifelock.com/common/img/iconPhone.gif Once we have made the requests:

You will receive letters from the credit bureaus confirming that fraud alerts (http://www.lifelock.com/lifelock-for-people/how-we-do-it/what-is-a-fraud-alert) have been set. http://www.lifelock.com/common/img/iconPhone.gif Your credit reports from each of the major bureaus will be sent to you. http://www.lifelock.com/common/img/iconPhone.gif You should begin seeing a dramatic decrease in Pre-approved credit card offers and other junk mail. Please note that banks with which you already do business can continue to send you offers unless you tell them specifically that you don't want them anymore. http://www.lifelock.com/common/img/titleWeDoItAgain.gif
http://www.lifelock.com/common/img/iconLifelock.gif About every 90 days and every 90 days thereafter:

Unless you tell us to stop, you will receive emails from us stating that we have requested that your fraud alerts be re-set. http://www.lifelock.com/common/img/iconLifelock.gif You will receive confirmations from the credit bureaus that your fraud alerts have been re-set. http://www.lifelock.com/common/img/iconLifelock.gif Every 12 months:

You will receive new copies of your credit reports from all credit bureaus. http://www.lifelock.com/common/img/titleSupport.gif
http://www.lifelock.com/common/img/iconLifelock.gif If your wallet is ever lost or stolen:

We’re here to help! Just give us a call and a WalletLock Specialist will help you contact each affected credit card, bank or document issuing company, cancel those accounts and complete the paperwork and steps necessary to replace your lost documents*, including your credit/debit cards, driver’s license, social security card, insurance cards, checkbook – even travelers checks – at no additional cost. You’re even covered overseas. *Pictures, cash and other monies are excluded. Member is responsible for all applicable fees charged by document issuing companies to replace lost or stolen documents. http://www.lifelock.com/common/img/icon-Support.gif If you ever have a question or need help:

Our highly trained specialists are here to assist you 24 hours a day, seven days a week at 1 800 LIFELOCK (543-3562).

http://www.lifelock.com/lifelock-for-people/what-we-do/how-does-lifelock-protect-my-identity.aspx


I'll read more about this if I decide to do it, but since you seem to know a good bit about it, I'll ask you before I read an hour's worth of stuff:

Let's say I do this Lifelock service, is that like a credit freeze where I have to call them and lift the service temporarily when I go for a credit limit raise, or car loan, etc?

If so, I can handle that, I'm just curious.

[sc455]

i went to Africa two years ago and when i returned my back door was open and my laptop was gone. i just happened to check my online banking and all the numbers were in the red. yikes. i called the bank and they had an ach hold because of the amount of withdrawal. my laptop was off, no passwords stored and noboy knew them. i have no clue how that is done

[woodscock]

lifelock.com

they have already cut out a ton of junk mail for me, besides putting the lockdown on my ID

GC, the junk mail thing you can stop yourself. The other service is great.

[The Dude]

GC, the junk mail thing you can stop yourself. The other service is great.

how do we cut out the junk mail?

[usc90grad]

how do we cut out the junk mail?

Here's a good place to start. I did it a few years ago and the junk mail has slowed down a lot.

https://www.optoutprescreen.com/?rf=t

Also if you get a lot of convenience checks from your credit card company...I used to get them several times a week....you can should call your CC company and tell them you don't want to receive them. By law, they have to stop.

[Ga_Gamecock]

GC, the junk mail thing you can stop yourself. The other service is great.

yeah, im sure, but im very paranoid about ID theft etc ... had someone lift my debit card when in school in savannah and they cleaned me out...

plus i shop online all the time ...

its cheap IMo and well worth it