Username Post: Please be aware when online shopping        (Topic#1571161)
Mia1979
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Mia1979

Ive been ebaying recently and on amazon. Checked my bank transactions and a charge appeared from experian credit. I have not requested any credit reports lately. I called experian and they told me that this person had used the card to request some information. I dont give my card to anyone else but ppl are so smart these days who knows. The charge was $1. However I know thats usually to make sure the card worked. Who knows how much it really costs. The credit agency was helpful in locating who did it and placing a "red flag" or whatnot on his account. I did check the sellers and nothing stood out to me.

I cancelled my card, but now I have 2 orders from Joann's online pending (ordered 2/26/12). I called the bank and they said it could go either way (card invalid or approve the charges).I should prob get one of those prepaid visas to do my online shopping.


 
stick
stick 
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stick
  • stick on 02-27-12 10:52 AM
In response to Mia1979

They can get it from anywhere. I had $1200 stolen from my bank account a few years ago because someone got my info apparently by tampering with a debit card machine (my bank refunded me, thank goodness). Then a couple years ago I found an odd charge for like $9.95 which I questioned - the bank said that small charges like this are a very common way to steal money because a lot of people either just won't notice, or they'll assume it was something they really did buy, even if they can't remember it.

You just have to be vigilant and cautious.


 
kelseymel
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In response to stick

We had a really random thing happen to us a couple years ago. We noticed about $5,000 missing from our checking account. Someone had done an online transfer from our account to their account, 3 times over 4 days.

They had previously credited our account 13 cents. They pull random account numbers out of the air and do a transfer to see if the account is valid.

Unless you're extremely vigilant (like we are now), who would notice a $0.13 credit?

Thankfully our bank refunded us. It was a nightmare.


 
CrimsonMama
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In response to Mia1979

Amazon should be ok but Ebay ...... I hear a lot of things. I think having a Paypal account established helps with this. Worth checking into.

That's wierd.


 
Mia1979
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Mia1979
In response to CrimsonMama

I have a Paypal acct. Just recently I linked my check card to it..Maybe that was a bad Idea. I havent noticed this in the past....


 
Bxr-Linda
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In response to Mia1979

As said above, credit/debit card theft can happen lots of ways.

It's not necessarily your online activity.

I've heard that it's a better idea to use a credit card when ordering online. There are better fraud protections with Visa/Mastercard, and you can dispute charges. Then, if you do become a victim, you haven't had your checking account drained!


 
CrimsonMama
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In response to Mia1979

Hmmm, well, the Ebay dealer can't see your CC number if you are using Paypal. They just receive money to their account. If there is a problem there....THAT would be big trouble with Paypal.


 
momtokatie
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In response to CrimsonMama

I only use by CC for online purchases just to be on the safe side. I can then contact the CC company and don't have to worry about my checking account being drained.

Thanks for the reminder, Mia1979.


 
Lamoo12
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In response to momtokatie

You never know where people get your info. over the years many reputable stores have had their info stolen. i know a few girls on sb.com that had money stolen because a person hacked into the Michael's info.


 
ktmracing
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In response to Lamoo12

I have actually stopped using my debit card when going out to eat. You just never know who is going to write down the number, name and security code.


 
*jesse*
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In response to ktmracing

Have you seen the commercial with the waitress that takes the rubbing of the credit card on her note pad? That freaked me out; it seems so common sense but you forget that your information can be stolen that quickly and easily.

It's always good to have a reminder to be more vigilant with bank and credit accounts!


 
Mia1979
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In response to *jesse*

This is scary. This is why I dont want my debit card # stored online. I guess I should slow down either shopping way.


 
DittoBabyGirl
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In response to Mia1979

I never use my debit card anymore. I'd rather deal with getting an unauthorized charge off my credit card than have someone wipe out my checking account. Someone got ahold of my hubby's credit card last year. They bought a laptop off Amazon and had it delivered to their house. The rep at amazon actually gave me the persons address and phone number (she wasn't supposed to). I turned everything over to my local police. The charge was removed and I got a new card. Amazon visa was great and had the charge removed and a new card issued to me the next day. I'm a fan of Paypal too.


 
ELynn
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  • ELynn on 02-27-12 06:06 PM
In response to DittoBabyGirl

I had issues twice after shopping on Amazon. Both times it was the 1 charge, then 50, then a larger amount.

I still shop and don't really care since the bank will give me my money back. No signature on file and they don't have a case.

The one time it ticked me off was when there was an Avon charge...I left my card on my desk under some papers...not sure who it was but I'm pretty sure it happened from either a co-worker or cleaning crew (I doubt cleaning crew, since they don't touch our desks). I was able to cancel the order so the charge didn't go through.


 
SandraB.
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In response to ELynn

I have a seperate credit card that I use only for online purchases. It is linked to my paypal acct., so I usually use paypal but if I can't I use this credit card. Therefore, no one sees my personal card.


 
Henri Jean
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In response to SandraB.

I have pretty much gotten into the habit of getting cash out of my account and using cash. I don't use credit and I really use debit card less and less.

I've heard a lot lately about being scanning credit and debit card numbers through purses and wallets which is scary.


 
Mia1979
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In response to Henri Jean

See I dont have a credit card and Im so glad because I dont need it (I would shop even more). I rarely carry cash on me.


 
GIGIGI30
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In response to Mia1979

Maybe I'm OCD or something but I do check my bank account(s) every single day at least twice a day. That's the best way to spot any "questionable" charges. A few years ago, I went though the pain of being charged $1400 on wrestling equipment in another state that wasn't even the one that I live. Luckily for me, the bank refunded me the money and gave me a new card.

Another thing, if sellers online don't take PayPal I try to avoid them at all cost!!


 
aquabunny
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In response to GIGIGI30

Funny, I distrust Paypal more than I distrust most online sellers.

My bank sends me an email every morning showing any deposits or withdrawals from the previous business day (but not their sources). If I can't identify a withdrawal, then I log in to the bank's website to match it up, and the more detailed transaction information there is enough to trigger my memory about what the purchase was. (This is typically in the case of multiple purchases in a day, or an online purchase that didn't get charged until it shipped - I usually don't have more than a couple transactions a week.)


 
DittoBabyGirl
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In response to aquabunny

Another reason I like using my credit cards is for the points. I get lots of gift cards and free stuff with my points. You can even shop on Amazon..and py for it with your points. I'm currently saving up for our plane tickets to Italy


 
Henri Jean
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In response to DittoBabyGirl

When I was single and living commission check to commission check (real estate is straight commission) I checked my balance every day to make sure I wasn't too dangerously close to going over.

Now I'm a little more comfortable and I never check.

I think this will be a habit for me again every morning and every night!

THank you for bringing attention to this!


 
Chlo
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  • Chlo on 02-28-12 03:50 PM
In response to DittoBabyGirl

I don't have a credit card...I would use it too much! I have a debit card but I mainly use cash although I don't carry it all with me at once.


 
KVRLVN
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In response to Chlo

We use our debit card for everything. I never carry cash anymore. DH had his card compromised twice at 2 different fast food restaurants. They charged a minimal amount to see if we would notice. If we don't notice, then the perpetrator will charge higher amounts or drain the account.

I am very diligent in checking our accounts. I used to be a paralegal for the Experian credit bureau for 13 years before switching careers.

I like to use my cards for the points also. We travel a lot so use for free airline tickets.


 
MoniL
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  • MoniL on 02-29-12 09:02 AM
In response to KVRLVN

i just had my credit card number stolen this weekend also. i checked my transactions online yesterday (2/27) and saw a $19.95 charge from experian on 2/24. i completed the online dispute form for it. when i was about to log out, i realized that my available credit did not look right as the amounts did not calculate with the transactions i could see (and knew i had done). so i called citicard and they said there were over $1000 of transactions pending. as soon as she started reading me the retailer names i knew they were not mine: fitness dvds and excersise equipment. i told her i needed to report the fraud and have my account closed. so now i'm waiting on a new card and have to complete dispute forms, etc.

i agree that it could be through amazon that they got my number. i had never, ever ordered from amazon but did so for the first time last tuesday.


 
Mia1979
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In response to MoniL

OMGosh Moni! Thats terrible.


 
susanlk
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In response to Mia1979

I just found a fraudulent $19.95 Experian charge on my card last week.

Amazon does seem to be the common denominator in anyone I've heard with this problem (IRL & cyber friends).

I can't see my pending charges on my cc on-line. They don't show up to me until they've actually posted. I asked Capital One if they offered the temporary card #'s for on-line shopping & they responded that they don't, but they offer the $0 Liability fraud protection. That's fine, but if I could use a temp. # on-line, then there wouldn't be anywhere near the risk as there is with using my actual card info.

Capital One was very efficient with handling my issue, but it's unfortunate that it has to be a problem to begin with.


 
Kitty_wOlf
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In response to Mia1979

last month there was a big scrae here... some hacker got a hold of a bunch of Israeli Cardit cards and punlished them. the cradit card company cancelled any card with a slight suspition and re-issued a new one...

but i allways chech my accont. i can go online and read my bank info on net. i'm allways awere...


 
Mia1979
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Mia1979
In response to Kitty_wOlf

Hmmmm, Experian has come up a few times here...


 
susanlk
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In response to Mia1979

Yes, someone calls Experian & creates an acct with the hacked card info. When my cc company called Experian to question the charges, they asked if I was so & so. I said no & had to give them my name. They they credited back my card for the fraudulent charge ($19.95). They then checked their system to see if other accts had been opened using my card & there were actually 2 others that had not yet charged anything.



 
Ms. Mom
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In response to DittoBabyGirl

I think anything can be stolen these days. I try to stay on top of my account to watch out for thieves but I need to get better at it. I use a prepaid Visa when I shop online.


 
Henri Jean
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In response to Ms. Mom

I love the prepaid visa idea for purchasing on line. I may get an extra visa account and keep the balance low and use it with pay pal and other things. Could bge a nice safety precaution.

Can you plug in a pre-paid one to Paypal?


 
suezhunt
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In response to Henri Jean

I just had this happen to me too! I was charged $21.20 to Experian also. I'm wondering if Experian is the problem. I had done a free credit report with them back in November, but cancelled before the one month free trial was up. Has anyone else who had charges to them ever used them to get a credit report in the past?


 
Chlo
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  • Chlo on 03-01-12 11:31 AM
In response to suezhunt

Wow, all these stories make me kinda glad I don't have a credit card!! I don't know anyone personally who has had this happen to them..


 
Mia1979
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Mia1979
In response to Ms. Mom

Well the $1 charge dropped off. Im awaiting my new card. Yippy!!!!


 
Mia1979
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In response to Henri Jean

  • Henri Jean Said:
I love the prepaid visa idea for purchasing on line. I may get an extra visa account and keep the balance low and use it with pay pal and other things. Could bge a nice safety precaution.

Can you plug in a pre-paid one to Paypal?



You should be able to as long as is Visa/Mastercard. I had a "Rush Card" years ago where I loaded money and used with Paypal. So yes.


 
Sassie
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In response to Ms. Mom

sucks to read this thread ... only makes my online shopping paranoia more intese :/

Yea I have to wait for new lines ect but I dont have to worry and I can use a coupon 90% of the time.


 
Rushli
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In response to Sassie

the bummer about it all is that you can not really find a common denominator because of all the ways people can find cc info. They can hack into a database, scan it as you walk by or get your info while paying at a restaurant.

We had friends who had this happen to them and account drained (the week before moving to another state -it is never a great thing to have happen, but the timing was horrid) they were insistent that it happen at a certain store. Once my DH got to talking with them and they really thought about all the places they have been and used the card, it was obvious it could have happened anywhere.


 
New Kid On the Block
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In response to DittoBabyGirl

We had a really random thing happen to us a couple years ago. We noticed about $5,000 missing from our checking account. Someone had done an online transfer from our account to their account, 3 times over 4 days.
leds lighting


 
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