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User Topic: Identity theft would have been so easy.
FaithFool
Member
Member # 20150
Shutup  Posted: 10:48 AM, July 8th (Monday)

On the ferry on Saturday, I like to sit outside in the sun, it's about an hour and a half. Nice ride.

People used to just sit and bask, now they use the time to catch up on their phone calls.

Young couple next to me were booking a trip to Mexico.

I could have made off with the guy's credit card number, expiry date, security code, wife's full legal name and her birthdate.

Why are people so stupid?


DDay: June 15, 2008
Mistakenly married Mr. Superfreak
20 years of OWs, WTF?
Divorced Dec 26, 2011
"Life is a shipwreck, but we must not forget
to sing in the lifeboats". -- Voltaire

Posts: 17288 | Registered: Jul 2008 | From: Canada
Dark Inertia
Member
Member # 30727
Default  Posted: 10:56 AM, July 8th (Monday)

We sit in restaurants, give our credit cards to a waitress who runs off around the corner to God knows where and does whatever she wants with it. There are so many ways to steal one's identity. I work in a fraud prevention center for debit cards and I get that a lot "How did this happen? How did they get my information?" Who knows, there are a myriad of ways.

I also get a lot of people who think *I* am a scam. Even though I am not asking any secure questions, just for them to say yes or no if they made such and such transactions. But my favorite are when people go on vacation and do not notify their bank. Then they get uptight that their card is blocked because their bank thinks it is fraud.

Some people are extremely gracious, and know it is for their protection... but others are the definition of entitled.

[This message edited by Dark Inertia at 10:57 AM, July 8th (Monday)]


"If I listened earlier, I wouldn't be here. But that's just the trouble with me. I give myself very good advice, but I very seldom follow it."

Posts: 1202 | Registered: Jan 2011 | From: The Ohio
FaithFool
Member
Member # 20150
Default  Posted: 11:06 AM, July 8th (Monday)

You only do that blunder once usually.


DDay: June 15, 2008
Mistakenly married Mr. Superfreak
20 years of OWs, WTF?
Divorced Dec 26, 2011
"Life is a shipwreck, but we must not forget
to sing in the lifeboats". -- Voltaire

Posts: 17288 | Registered: Jul 2008 | From: Canada
Deeply Scared
Administrator
Member # 2
Default  Posted: 11:11 AM, July 8th (Monday)

The best way to protect yourself is to freeze your credit card and social security information.

You can do this by writing a certified letter to the three major credit bureaus (TransUnion, Experian and Equifax) and paying a fee of $10.00 ( I think that's what we paid) to each bureau for each SS # you're freezing. Just be sure to plan ahead for all of your credit applications prior to freezing your credit.

You can unfreeze by using a pin number that is mailed back to you.

If you have established credit and don't need to apply for anything, I strongly recommend you do this


"Don't give up, the beginning is always the hardest." My Mom:)

My tolerance for stupid shit is getting less and less.


Posts: 197026 | Registered: May 2002
metamorphisis
Administrator
Member # 12041
Default  Posted: 11:20 AM, July 8th (Monday)

I love that around here nobody takes my credit card or debit card to the back at a restaurant anymore. The pin pad is brought to the table, or you are asked to walk to the terminal to run it with them.
However, a skimmer on a pin pad would take care of that
We've been compromised twice by skimmers at local gas stations though it was a few years ago.

Seriously. Who doesn't have 5 minutes at home, or in their office or car to book a trip? Does it really need to be done sitting with 30 other people on a ferry?



“We don't see things as they are; we see them as we are.”... Anais Nin

Posts: 44253 | Registered: Sep 2006
FaithFool
Member
Member # 20150
Default  Posted: 11:28 AM, July 8th (Monday)

Yeah, most restaurants have those here now too.

I actually look at my credit card statements. I understand lots of people don't bother...

People have just become so unaware of their surroundings when on their devices, it's amazing.

[This message edited by FaithFool at 11:30 AM, July 8th (Monday)]


DDay: June 15, 2008
Mistakenly married Mr. Superfreak
20 years of OWs, WTF?
Divorced Dec 26, 2011
"Life is a shipwreck, but we must not forget
to sing in the lifeboats". -- Voltaire

Posts: 17288 | Registered: Jul 2008 | From: Canada
Dark Inertia
Member
Member # 30727
Default  Posted: 12:10 PM, July 8th (Monday)

I love that around here nobody takes my credit card or debit card to the back at a restaurant anymore. The pin pad is brought to the table, or you are asked to walk to the terminal to run it with them.
However, a skimmer on a pin pad would take care of that
We've been compromised twice by skimmers at local gas stations though it was a few years ago.

I have heard most places in Europe have gone to paying at the table rather than running off with the card. I live in the booming metropolis capital of Ohio and we don't have any of that fancy technology.
I know a guy who use to manage a gas station, he said that they would have to check for those skimmers every night, and did find one once.

I have only had one experience with fraud, and my bank's fraud dept caught it immediately. I got a call because two purchases went through at the same time, one in Cyprus and one in Russia. They called me immediately and shut my card down.

[This message edited by Dark Inertia at 12:11 PM, July 8th (Monday)]


"If I listened earlier, I wouldn't be here. But that's just the trouble with me. I give myself very good advice, but I very seldom follow it."

Posts: 1202 | Registered: Jan 2011 | From: The Ohio
Edith
Member
Member # 38337
Default  Posted: 12:29 PM, July 8th (Monday)

Someone stole my identity about 10 years ago, it was a terrible mess to clean up. I was able to obtain hundreds of pages of cell phone calls made in my name, more than $5000 worth in one month. I made a spreadsheet and started calling the numbers.

I filed police reports in three different jurisdictions and was shocked at the lack of interest. I was told by one detective that identity theft was rampant and with the internet they could not prove jurisdiction. I was shocked at the impunity, even though I had an address where cell phones were delivered to this person.

With a credit freeze through the three credit agencies, I was able to stop the bleeding, but then needed to address the hits on my credit one at a time. It took years, but I was able to restore my pristine credit.

The saddest part is that you can be extremely careful and still have your credit stolen. I found that the thief in my case was working in a nursing home, with access to personal information on all the residents. Frightening really.

E.


Lies are manipulations. Always.

Posts: 357 | Registered: Feb 2013
aesir
Member
Member # 17210
Default  Posted: 2:15 PM, July 8th (Monday)

I also get a lot of people who think *I* am a scam. Even though I am not asking any secure questions, just for them to say yes or no if they made such and such transactions. But my favorite are when people go on vacation and do not notify their bank. Then they get uptight that their card is blocked because their bank thinks it is fraud.

I got a call once from my credit card company asking if I had been to Europe or bought anything online from Europe. I said no, and as he was explaining that there were some charges from Spain, then he stopped mid sentence and asked if I was doing any online shopping right now. He laughed and said that while we were talking a transaction in Barcelona had just come up on my account.

The voided all that stuff and changed my card number.


Your mileage may vary... in accordance with the prophecy.

Do not back up. Severe tire damage.


Posts: 14924 | Registered: Nov 2007 | From: Winnipeg
Mama_of_3_Kids
Member
Member # 26651
Default  Posted: 4:17 PM, July 8th (Monday)

*sigh* I'm stuck in the old days...I still use cash for 90% of my transactions, only have a pre-paid Visa, and a checking account (some of that has to do with Do3K former spending habits, but I digress). It's much harder to have someone steal my identity that way.


Me: FBW/30 Him: FWH/33 The kidlets: DS13, DS10, and DD8 The hounds: Four Shih Tzu's
Finally, completely R'd
Clothed in strength and dignity, with nothing to fear, she smiles when she thinks about the future.~Proverbs 31:25

Posts: 11544 | Registered: Dec 2009
Topic Posts: 10