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posted by [personal profile] quinn222 at 09:55am on 09/08/2009
I went to buy something at iTunes and it said my account had been deactivated. Chatted online with a very helpful CSR who informed me someone used my account (debit card!) to buy two $50 gift cards which they interpreted to be fraudulent activity (how I do not know and did not ask since they were correct) and so they suspended the account.
I checked and the charges were there on my bank account. Called the bank and they cancelled the card and will refund the money. However I have no accress to cash at the moment and have about $5 to my name. On the plus side I won $16 in powerball, so that should get me to Tuesday when my new card is supposed to get here.

I don't leave my credit card lying around so I have to assume I gave it to someone in a restaurant or something and they wrote the number down. It happened end of June and I never noticed except I came up short last month and had to take money out of savings. I'll have to be more careful about checking charges going forward.
There are 9 comments on this entry. (Reply.)
 
posted by [identity profile] catsma.livejournal.com at 02:05pm on 09/08/2009
It's a good thing you went shopping on ITunes and caught this before it went any further. I had that happen to me one time when I was on that long Toronto-Montreal trip we all did. My car battery had died and I needed a tow and the guy said "sure, we take credit cards.." and then promptly skimmed the number. Luckily it was my smallest card with only a couple hundred dollar limit. Found out when I got home and tried to use it. Turns out he had bought about $150 worth of online pron.

As for my debit card, I track that religiously, at least 3-4 times a week, online. You can't be too careful these days.
 
posted by [identity profile] quinn222.livejournal.com at 02:08pm on 09/08/2009
I remember when that happened and you are right, I've been too careless about tracking purchases.
 
posted by [identity profile] shadownyc.livejournal.com at 02:17pm on 09/08/2009
It's a good thing iTunes caught the fraud. It's creepy not knowing who got the card number and used it.
 
posted by [identity profile] quinn222.livejournal.com at 02:26pm on 09/08/2009
It is creepy but I am being oddly mellow about it. It's done and I can't do anything about it. I'm getting most of the money back and I have to change the number on some accounts...

and just as I typed that it occurred to me to wonder how they bought the gift cards? Did they use my iTunes account itself or just the card number? I better change my account password as well.
 
posted by [identity profile] gnobdy.livejournal.com at 02:25pm on 09/08/2009
Thank goodness you caught it when you did--although you're out of pocket at the moment. That is scary, indeed.

A couple years back, we returned from a weekend trip to Rome and discovered someone had taken a sizeable sum out of B's account--the withdrawal was done in Pakistan (or India, I forget which, now.) And clearly we hadn't been anywhere near the point of service, so to speak. It took some time getting things sorted with the bank. We still don't know who or how any of that occurred, but I'll always wonder if it was someone on the staff of the hotel where we stayed.

Sometime later, we also started receiving post and phonecalls in some guy's name--we'd never heard of. Whoever it was, he was getting chased by credit companies and banks. How and when he obtained our address and started using it to apply for accounts, we'll never know. All we could do was call these banks and tell them we'd never heard of the guy and no one by that name had ever lived here (we're only the second owners of this little house and we knew who we'd bought it from and they had bought it when built.)

How this stuff goes on I don't understand but it's frightening to realise your details, accounts, all sorts of things can be taken over by total strangers and it can wind up costing you dearly.

I've gotten plum paranoid with care since B's account was hacked. But I can only hope I'm doing enough and double check everything.
 
posted by [identity profile] quinn222.livejournal.com at 02:27pm on 09/08/2009
It scary how easily and often it happens. I need to be more cautious, clearly.
 
posted by [identity profile] suzvoy.livejournal.com at 03:02pm on 09/08/2009
Yeah, that's happened to me. They spent £600+ in a couple of days. Mostly on group cinema tickets and fast food deliveries. Clearly living the high life ;D

Incidentally, they don't even need to write your card number down. They have these small machines - all they need to do is swipe your card through it and they get all your card info. I never, ever, let my card out of my sight. If I go to a restaurant, I always pay cash.
 
posted by [identity profile] chadmom.livejournal.com at 05:55pm on 09/08/2009
Sometimes it's not even a matter of someone writing down your number. THey just make up a 16 digit number, and see if it goes thru. That happened to me a few years ago.

That's also why the credit card companies now put the 3 digit security code on the back of the card. 19 numbers to match is harder, and if someone does get a hold of your number from somewhere, they still don't have those other 3 numbers.

SOrry you're going thru the hassles!
 
posted by [identity profile] vampgaia.livejournal.com at 09:08pm on 10/08/2009
I must be more careful tracking my bank account as well. It's so easy for someone to copy the number. I use my debit card all the time.

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