Clydesdales/Athenas (200+ lb / 91+ kg) - I just became a victim

Bass Pro Shop called to confirm an order I placed with them and wanting to ship it to Massachusetts. I live in Arkansas so they thought it was strange. Lucky me they caught it quick. The individual ran up over $600 on my DEBIT card.:notamused: I haven't had a credit card in 6 years. I know the name and address of the person responsible since they were having the stuff shipped to their home. Bass Pro said since it was my order they could give me that information before I cancelled the order.

I am suppose to contact the FBI tommorow for further investigation. And the bank is acting at this point that I will not loose any of the money as long as I itemize what I did not purchase. But anyone living in the Dorchester,MA area (Boston I think) and would like to pay someone a visit for me let me know.:innocent:

Bass Pro Shop called to confirm an order I placed with them and wanting to ship it to Massachusetts. I live in Arkansas so they thought it was strange. Lucky me they caught it quick. The individual ran up over $600 on my DEBIT card.:notamused: I haven't had a credit card in 6 years. I know the name and address of the person responsible since they were having the stuff shipped to their home. Bass Pro said since it was my order they could give me that information before I cancelled the order.

I am suppose to contact the FBI tommorow for further investigation. And the bank is acting at this point that I will not loose any of the money as long as I itemize what I did not purchase. But anyone living in the Dorchester,MA area (Boston I think) and would like to pay someone a visit for me let me know.:innocent:

Did you recently order from Bike Nashbar? There are a lot of people posting about fraudulent transactions appearing after purchases through that website.

I used my American Express in a Holiday Inn in St Louis several years ago. Someone got the number there went hog wild ordering weird stuff and had it all shipped to a place in Texas. I called American ex and gave them the address etc. They acted like they could not care less. They took everything off my card I told them to, no problem at all. But they sure did not care about pursueing the bad guys,

I had a person steal a check out of the mail, wash off the ink somehow and put in a new name and amount with my signature on it. The bank cleared me and returned my money, but made no effort to find the culprit.

I have had three frauds in the last 8 months. Two on a debit card and one on a credit card. The first one nobody cared, but we didn't have to pay, the second time they had a security breach and we didn't get our new cards in time. The credit card one, was stopped in the first 1 minute and 37 seconds, because of 5 different charges in the short period of time and all for less than $2.00.

It happened to a friend of mine and she called the FBI. They said if they pursued all the credit card fraud that would take up all their time. They called it a "victimless crime".

In the UK, if a retailer accepts a transaction that is later proved to be fraudulent they they are culpable. The banks give you back the money and get it back off the retailer. There's little incentive to catch the villians for the bank.

Had a simialr incident back in February. My daughter and I went to Arkansas for a college recruiting trip and the night clerk at the hotel I stayed at stole all of my info, even used my cell # as a contact number.

He waited three weeks and then started trying to buy electronics off the net from major retailers and have it shipped to his home address under his own name. All of the purchases sent up red flags and every retailer called the contacft number he gave (my cell) to confirm the purchase due to the different state shipping address than my billing address.

The local police in Arkansas couldn't have cared less, but the state police did.:)

Did you recently order from Bike Nashbar? There are a lot of people posting about fraudulent transactions appearing after purchases through that website.

I actually did make a recent purchase from nashbar and then 2 weeks ago had several fraudulent charges on my debit card: Borders Books, Netflix, some vitamin company and some skin creme company. I was able to get the charges reversed and a new card from the bank.

Who ever did this had my email address as well as the 3 digit security code from the back of the card....

About a month ago, we got a call on a Sunday morning from our credit card company asking about some purchases we'd made in London. We told them it was fraud and they removed the charges, sent us new cards and sent a form to sign.

A week later I noticed a strange charge on my debit card. They removed the charge, deleted that card and got a new debit card.

A week after that I was unable to access my credit card online and called the company. They said it had been blocked because they were suspicious why I had authorized adding a cardholder to my account. The guy I "authorized" lived in Malasia! He'd charged stuff in London which they removed and sent us new cards again.

Hoping we're past all of this but I did notice a general lack of concern on the part of the financial institutions. They just close the account, remove the charges and send out the new cards.

I just had the same thing happen! Several fraudulent purchases showed up on my debit card. I use it at the gas station, the supermarket... and on-line bike purchases. Haven't ordered from Nasbar for quite a while, though. Getting the money back seems like a bit of a hassle. Think I'll start using the debit card for local stuff only, put everything else on a credit card, and automatically pay it off at the end of each month.

Dorchester Mass is where all the murders happen in Boston. NO ONE is gonna help you except Mass State Police, whom you should have contacted already.

I see quite a few people mentioning Nashbar, and I'll second (or third/fourth) the opinion; they're a likely culprit for where a cyclist could have incurred false charges.

To their credit, it's not Nashbar's fault. It was an issue with their payment processor: Heartland Payment Systems. My credit union issued me a new card about a month ago because I bought something from Nashbar, and they (the CU) was made aware of the breach at Heartland, so they issued their clients new cards regardless of whether fraudulent charges were made.

Now, to negate anything good I've implied about Nashbar, here's the really bad thing about them: Has anyone placed an order with them and then started receiving phone calls about a "free" $40.00 value gas-card that you can use at any station?
Well... It turns out that Nashbar is the one who sold that telemarketing firm our information. The worst part is that it wasn't just the regular name, addy, phone, email. I went through the whole spiel on the phone with the guy just to see what the catch was. He said that I'd be enrolled in some opt-out program which "would charge monthly to the credit card ending in XXXX."
Yeah, he already had my CC number. After much arguing, I got to speak with a supervisor at the company who admitted that they had essentially purchased customer records from a number of vendors, which included credit card information.

So, long story short: If you bought anything that went through Heartland Payment Systems credit processing, check your account, cancel the card and get a new one issued.

Did you recently order from Bike Nashbar? There are a lot of people posting about fraudulent transactions appearing after purchases through that website.

By "a lot", I mean two separate threads in General Cycling, and at least one post on Touring. The main names mentioned are Bike Nashbar and Niagra Bicycle. The problems might stem from credit card processor Hartland, which discovered a data security breach in January.

A couple of posters have suggested the following ways to limit their risk in the future:

- maintain a single credit card for online purchases, and just online purchases.

- have single-use virtual card numbers issued for each online purchase. Many credit card companies have this feature, and Paypal does as well.

This happened to me after I purchased something from Nashbar. I contacted the police and they basically said it wasn't enough money involved to prosecute the person who I found for them.

I keep a dedicated debit card exclusively for online transactions. I transfer money into the debit card as and when I buy stuff. That mimimizes my exposure and means that if anybody tries to use the card there most likely will not be funds available to them.

I have not purchased from Nashbar.

I contacted the local police and they said I would have to contact the Boston PD. The Boston PD said the local police would have to take the report or I would have to file it in person. Then the local PD said contact the FBI because it would end up with them anyway. The FBI said the local PD would have to start the process.:notamused: The local PD then made an incident report and said they would give it to Boston.

So basically, nobody cares. Nobody wants to do anything about it and the bank will refund me. Sounds like I should start trying to find peoples card numbers myself. It may be the beginning of a new business.:mad:

Just to let you know, the last purchase I made with the card was at a Flying J gas station at the pump. The last online purchase was on MS150. I am on a team and raising money. Someone gave me cash and so I put it in with my card. I have not contacted MS yet, I need to do that just so they are aware. I have never had problems with them in the past. We had a seperate account just for online purchases but something started looking fishy with it so we closed it. I need to open another. I found out that even though it was my main account, they only had access to the card so it wasn't a huge deal as long as I don't run out of money before payday.

Thanks for the replies and letting me vent.

When this happened to me the local police lost interest, but the US Postal inspector took it on. They keep a database with info such as the address in Dorchester. You may try them at your location and in Boston.

After our Penney's card was compromised they canceled and sent me another - to the perp's house! He went right out and used it at the mall.

I am a Nazi about my $$. When I got divorced 10 years ago, I took all of my credit cards and did a plastectomy and then paid everything off. Since then I have operated on a couple of debit cards, with what I guess is better then average success regarding theft. I do however check my account several times a day.

A couple of weeks ago I woke up one morning and checked my accounts and saw a charge I did not recognize. It appeared that I had purchased $150 in iTunes overnight. I am an Ambien addict, so I checked my emails to make sure that it really was not me:o (I have a friend who is an Ambien abuser as well and he actually did purchase $45 worth of Hall & Oats songs one night:roflmao2: )

Anyway, I called my bank and canceled the card, called iTunes who told me they had a lot of this lately and were nice enough to reverse the charges, so I did not have to go into dispute to get my $ back.

Wouldn't you love the find the &%$#@ who did something like that?

I am a Nazi about my $$. When I got divorced 10 years ago, I took all of my credit cards and did a plastectomy and then paid everything off. Since then I have operated on a couple of debit cards, with what I guess is better then average success regarding theft. I do however check my account several times a day.

A couple of weeks ago I woke up one morning and checked my accounts and saw a charge I did not recognize. It appeared that I had purchased $150 in iTunes overnight. I am an Ambien addict, so I checked my emails to make sure that it really was not me:o (I have a friend who is an Ambien abuser as well and he actually did purchase $45 worth of Hall & Oats songs one night:roflmao2: )

Anyway, I called my bank and canceled the card, called iTunes who told me they had a lot of this lately and were nice enough to reverse the charges, so I did not have to go into dispute to get my $ back.

Wouldn't you love the find the &%$#@ who did something like that?

So did you like the music?:)

Ha! I live in Boston and second the thought that even though I'm a Clyde...Dorchester ain't pretty :)

Welcome to my world. I've spent the last three months trying to clear up issues with Capital One and Bank of America over this stuff. My coworker just got snagged this past month too. Expect to see more of this.

8-10 years ago I lived in St. Louis and someone ran up $230 worth of band candy on my credit card. Must have had a sweet tooth. That was the last day I have had a credit card. Debit cards are nice and needed for Reservations. But maybe I will go back to cash and checks on everything else.

So all you Boston people, what is say, Fenton St. in Dorchester like??

And what nationality is Nguyen? I have never heard of a last name like that in my life? I can't even pronounce it.

That would be Vietnamese

I have not purchased from Nashbar.

I contacted the local police and they said I would have to contact the Boston PD. The Boston PD said the local police would have to take the report or I would have to file it in person. Then the local PD said contact the FBI because it would end up with them anyway. The FBI said the local PD would have to start the process.:notamused: The local PD then made an incident report and said they would give it to Boston.

So basically, nobody cares. Nobody wants to do anything about it and the bank will refund me. Sounds like I should start trying to find peoples card numbers myself. It may be the beginning of a new business.:mad:

Just to let you know, the last purchase I made with the card was at a Flying J gas station at the pump. The last online purchase was on MS150. I am on a team and raising money. Someone gave me cash and so I put it in with my card. I have not contacted MS yet, I need to do that just so they are aware. I have never had problems with them in the past. We had a seperate account just for online purchases but something started looking fishy with it so we closed it. I need to open another. I found out that even though it was my main account, they only had access to the card so it wasn't a huge deal as long as I don't run out of money before payday.

Thanks for the replies and letting me vent.

Gas stations are one of the worst, it was discovered that some less then honest gas station clerks point the security camera at the PIN pad, then use an extra gizmo that scans your card, once they have your PIN and card data, they have your money. If using a debit card, ALWAYS cover the pin pad with your other hand and hold it close enough to you that nobody can see what your pressing, when entering your PIN. This should be S.O.P. anywhere you use your card, this makes it habit. If your debit card does get compromised, then change the PIN before they send you a new card, if possible, or immediately after you get the new card. Never use the same number sequence for other things, like a combination bike lock.

With credit cards, safest is to not use one. Actually best is to use cash, for online purchases, get your order to the point of the credit card entry, print a copy of the order, then cancel the order. Send your printed order by snail mall with a postal money order. ft tough to commit fraud with those

Thanks Tom, I would not have guessed that. Now if I can only figure out how to say it.

Wogster,
The gas station did not ask for a pin. It asked for a zip code. So I don't think that was it. I really think they got it over the internet somehow.

I agree its not safe to use credit cards, I hate everything about them. I really don't like debit cards that much either. We travel a little and it helps having a couple. I am just going to go back to a vacation account at a seperate bank and use it for online purchases as well.

Dorchester Mass is where all the murders happen in Boston. NO ONE is gonna help you except Mass State Police, whom you should have contacted already.

I think you have Dorchester confused with Murderpan :roflmao2:

The problem with this is you have no argument if you never get what you ordered. At least with the credit card, you have the CC company's protection if your item is not delivered. With a check, you can cancel the check, with the money order, you got nothing.




With credit cards, safest is to not use one. Actually best is to use cash, for online purchases, get your order to the point of the credit card entry, print a copy of the order, then cancel the order. Send your printed order by snail mall with a postal money order. ft tough to commit fraud with those

Well add me to the list of people who had fraudulent purchases :notamused:

Last online purchase (from Nashbar no less) was 8 months ago, last actual use of the card in person was at Home Depot about a month ago. Dinged me for 1300 in pending transactions before Visa caught up with it. Mainly netflix, itunes, some perscription website, sports memorbilia, a bunch of weird little charges for less than 5 dollars and a huge purchase at ETC trading.

Fortunatly only 1 charge went through for a dollar. Yes, I filled out the paperwork to get my dollar back. That's my dollar and no you can't have it :lol:

When I shop online I will usually use Amazon. They connect to Nashbar and other shops but I can pay through the Amazon site so these knuckleheads don't get my info, just the dough

When I shop online I will usually use Amazon. They connect to Nashbar and other shops but I can pay through the Amazon site so these knuckleheads don't get my info, just the dough

The only drawback is that you miss out on sales and other promotions by purchasing through Amazon.

Thanks Tom, I would not have guessed that. Now if I can only figure out how to say it.



You've probably heard it said before, but didn't recognize it. It sounds almost like "win".

I usually don't post here, but my Amex card that I order from Nashbar with got compromised yesterday as well. There were a couple of $1000+ charges to Soccer Stadium Inc. in New Jersey.

THe heartland breach was credit card numbers only, not names or phone numbers. Nashbar's problem is independent of that, as the people receiving data from Nashbar orders have names, addresses, phone numbers, and email addresses. No credit card processor handles email addresses or phone numbers as part of authentication. Nashbar is not handling their security problems, and it is a Nashbar/Performance issue.

Luckily I haven't had a problem using my credit cards online. But years ago someone dug out of the trash the carbon from a credit card transaction and used it to purchase car tires, some other car parts, and fancy car decorating. It was the cc that noticed it, and a rep called me and asked me if I recently bought all of this auto stuff. When I said "I don't even have a driver's license much less a car", the rep replied with "that's what we thought. We're canceling this card and mailing you a new one". It happened again a few months later when an AOL charge I never authorized showed up on my credit card bill. I complained and it was erased and I received a new card. I imagine the carbon was found in the trash and used by someone to get some internet time.

The fraud is victimless when you think that the end user of the card (moi) is not held responsible for someone else's misdeed. Visa, Mastercard and Amex are the ones who have to sort out the charges. Of course, we do have to pay in increased credit interest, but that still only affects about 30% of credit card holders who carry a balance on their cards.

I treat my credit card like a tool. I want to be able to access credit when I need it so I do my best to treat it kindly so it doesn't break.

Thanks Tom, I would not have guessed that. Now if I can only figure out how to say it.

http://en.wikipedia.org/wiki/Nguy%E1%BB%85n

The fraud is victimless when you think that the end user of the card (moi) is not held responsible for someone else's misdeed. Visa, Mastercard and Amex are the ones who have to sort out the charges. Of course, we do have to pay in increased credit interest, but that still only affects about 30% of credit card holders who carry a balance on their cards.

I disagree. The charges are often eaten by the merchant, not the CC company. This raises prices for all of us.

Luckily I haven't had a problem using my credit cards online. But years ago someone dug out of the trash the carbon from a credit card transaction and used it to purchase car tires, some other car parts, and fancy car decorating. It was the cc that noticed it, and a rep called me and asked me if I recently bought all of this auto stuff. When I said "I don't even have a driver's license much less a car", the rep replied with "that's what we thought. We're canceling this card and mailing you a new one". It happened again a few months later when an AOL charge I never authorized showed up on my credit card bill. I complained and it was erased and I received a new card. I imagine the carbon was found in the trash and used by someone to get some internet time.

The fraud is victimless when you think that the end user of the card (moi) is not held responsible for someone else's misdeed. Visa, Mastercard and Amex are the ones who have to sort out the charges. Of course, we do have to pay in increased credit interest, but that still only affects about 30% of credit card holders who carry a balance on their cards.

I treat my credit card like a tool. I want to be able to access credit when I need it so I do my best to treat it kindly so it doesn't break.

It's not victim less, when the credit card company refunds your money, someone has to pay for that, either the merchant where the fraud was perpetrated or the credit card company itself. If it's the merchant it translates into higher costs for all of their customers. If it's the credit card company, it's everyone in higher credit card fees and interest rates.

The fraud is victimless when you think that the end user of the card (moi) is not held responsible for someone else's misdeed.

My time at work is valued at a specified dollar amount by my employer.
My personal time, when I'm not spending it as I please (i.e. - having to fix issues due to some butthole who tried to rip me off) also carries monetary value: $250 per hour. I make this clear to telemarketers before they start their spiel... "My personal time is valueable and if you wish to continue a business proposal and possible transaction you are subject to a $250 per hour billing fee. If you agree to these terms, please provide me with your billing information before we begin."

If it takes me 2 hours of my personal time to resolve a bank problem, disregarding the fact that as others have pointed out "Someone's gotta pay for the stuff", a $500 timewaster is not a "victimless" crime.

The worst part is nobody gives a @#$!. 2 of the transactions were shipped to the same address. So, I have the guys Name, Address, Phone #, and 2 different purchase account #'s that he used. The police have to do nothing more than arrest him, I have done the work for them. They don't care and don't want to spend the time. :mad::cry:

I did receive a stern look of disapproval when I suggested that I may start stealing other peoples card #'s because it looks like a booming business.:innocent: But as soon as I do I am sure they will start caring.:mad:

I am debating on starting to call this individual and harassing them a little.

The worst part is nobody gives a @#$!. 2 of the transactions were shipped to the same address. So, I have the guys Name, Address, Phone #, and 2 different purchase account #'s that he used. The police have to do nothing more than arrest him, I have done the work for them. They don't care and don't want to spend the time. :mad::cry:

I did receive a stern look of disapproval when I suggested that I may start stealing other peoples card #'s because it looks like a booming business.:innocent: But as soon as I do I am sure they will start caring.:mad:

I am debating on starting to call this individual and harassing them a little.

I was in exactly the same position with AMEX, I found them, had the address etc. They could not care less. Just a cost of doing business.

The fraud is victimless when you think that the end user of the card (moi) is not held responsible for someone else's misdeed.

My time at work is valued at a specified dollar amount by my employer.
My personal time, when I'm not spending it as I please (i.e. - having to fix issues due to some butthole who tried to rip me off) also carries monetary value: $250 per hour. I make this clear to telemarketers before they start their spiel... "My personal time is valueable and if you wish to continue a business proposal and possible transaction you are subject to a $250 per hour billing fee. If you agree to these terms, please provide me with your billing information before we begin."

If it takes me 2 hours of my personal time to resolve a bank problem, disregarding the fact that as others have pointed out "Someone's gotta pay for the stuff", a $500 timewaster is not a "victimless" crime.

Well, yeah, we had one happen today, with my wifes debit card. Apparently there is new technology that allows the criminals to get your info without your knowledge, even if you cover the PIN when entering it. They deposited a cheque to our account in QC, then took that and $500 more out in France. The France part had didn't seem Kosher to the bank so they killed the card, until they could get a hold of us to verify that it was ok. We will get our money back in about 10 days, so we aren't complete victims, although she did have to waste an hour dealing with the bank, and we loose the use of that money for a week and a half. Her new card has the chip on it, which is more secure, this also means I need to order a new card at some point.

Most of these jerks who commit this fraud also have fraudulent addresses. It's easy to pick an abandoned home to use for the mailing address. Track the item online, and wait in their vehicle for the carrier to drop it, and then grab it.

Can those of you who have been ripped off and now prefer debit cards over credit cards, please tell me why?

I don't understand why I would want a crook to have instant access to ALL of the money in my checking account rather than me not having to pay anything until the bill arrives which I can dispute and not pay.

Can those of you who have been ripped off and now prefer debit cards over credit cards, please tell me why?

I don't understand why I would want a crook to have instant access to ALL of the money in my checking account rather than me not having to pay anything until the bill arrives which I can dispute and not pay.

I use a debit card, and a prepaid card I can balance transfer to for that particular transaction online, and keep it $5.00 over the needed balance on the prepaid card. excellent security that way.

Bass Pro Shop called to confirm an order I placed with them and wanting to ship it to Massachusetts. I live in Arkansas so they thought it was strange. Lucky me they caught it quick. The individual ran up over $600 on my DEBIT card.:notamused: I haven't had a credit card in 6 years. I know the name and address of the person responsible since they were having the stuff shipped to their home. Bass Pro said since it was my order they could give me that information before I cancelled the order.

I am suppose to contact the FBI tommorow for further investigation. And the bank is acting at this point that I will not loose any of the money as long as I itemize what I did not purchase. But anyone living in the Dorchester,MA area (Boston I think) and would like to pay someone a visit for me let me know.:innocent:

Was this one of the Visa\Debit card gizmo's????? Man are those dangerous. Technically, the bank does not have to give you your money back, but several will cause they are really pimping those things and it looks bad when they just let the thieves steal your money. I still use a plain of debit card requiring my pin due to this exact reason. My Mom was a victim and it took 3 years for the Bank of America thieves to give her the money back. We promply canceled the Visa\Debit and got her a plain old debit card.

Thanks Tom, I would not have guessed that. Now if I can only figure out how to say it.

Wogster,
The gas station did not ask for a pin. It asked for a zip code. So I don't think that was it. I really think they got it over the internet somehow.

I agree its not safe to use credit cards, I hate everything about them. I really don't like debit cards that much either. We travel a little and it helps having a couple. I am just going to go back to a vacation account at a seperate bank and use it for online purchases as well.

It's prounounced like the word "win"

Thanks Tom, I would not have guessed that. Now if I can only figure out how to say it.

Wogster,
The gas station did not ask for a pin. It asked for a zip code. So I don't think that was it. I really think they got it over the internet somehow.

I agree its not safe to use credit cards, I hate everything about them. I really don't like debit cards that much either. We travel a little and it helps having a couple. I am just going to go back to a vacation account at a seperate bank and use it for online purchases as well.

There is a solution, and it works well, and limits your liability, and that is use CASH, for online stuff call the company to get prices and costs, when you have a total, buy a money order at the post office and send your order by snail mail. Some sites will ask for your credit card information early in the order process, others will do everything else, including determine shipping rates and ask for the credit card last, in this case print the order when it gets to that point, then cancel your online order, and send the printout with the money order.

Thanks Tom, I would not have guessed that. Now if I can only figure out how to say it.

Wogster,
The gas station did not ask for a pin. It asked for a zip code. So I don't think that was it. I really think they got it over the internet somehow.

I don't know about that. It sounds like Identity Theft 101. From the card they got your card number and your your name. Now you've given them your postcode. So now they know exactly which B Young you are. A little bit of searching and they have your birthday, and so it goes on.

That's the next part of the story. I went to work last night for the first time since this happened. I work in nuke power industry. They check our background every three years for identy theft, mainly for security purposes. I was told I will probably get a full background check soon just because of this. Kind of comforting in a way.

1. Never carry a debit card. Bogus charges on a debit card mean you must beg for your money back,
instead of arguing about whether you will pay money out.

2. Get a credit card with an option to create temporary account numbers.
My Bank of America card calls this "ShopSafe".
When I need to place an online order, I go to their website and specify how long I want the account
active, and I specify the spending limit. When I submit it, the browser pops up a window with a
image of the card and all the card info. See the attachment. This is a temporary card I generated
this morning to make a ~$75 purchase from a well-known on-line bike-parts merchant. I blacked
out numbers and my name because this temporary card has not yet expired. Even if I posted the info,
only the amount over the purchase, (~$25), would be available to a crook.