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Yet Another Credit Card Fraud Login/Join 
On the DL
Picture of V-Tail
posted
I was just contacted by Citi Bank. Miscreants tried to hit my Citi / Costco VISA for $151.00 at a Pilot gas station in East St. Louis, Illinois. The attempted charge was declined.

I have not been in that part of the country for twenty years or more. Matter of fact, I don't think I have been more than 100 miles from the Orlando FL area for at least five years.

Citi caught the fraudulent attempt, declined the charge, and got in touch with me very quickly. Replacement card is promised via FedEx overnight service.

I am impressed with Citi's fraud department. No idea how they knew it was a fraud attempt; the rep told me, when I asked, that a physical card was presented. Counterfeit, for sure, I just checked and I do have my card.

The rep also answered my second question: No, I am not allowed to shoot the scammer (she cracked up when I asked).



A mind is a terrible thing.
 
Posts: 21597 | Location: Central Florida (near Orlando) | Registered: January 03, 2010Reply With QuoteReport This Post
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They have computer programs that pick this stuff up. They can predict your travel patterns instantly and probably know you do not leave the Orlando area. The buying patterns, locations and amounts are generally consistent. As you know, East Saint Louis is an exciting place after dark.

Some of the gas stations ask for the Zip Code of the billing address. I get stuck with this once because my credit card bills go to a PO box with a different zip code.
 
Posts: 6393 | Location: MS GULF COAST | Registered: January 02, 2015Reply With QuoteReport This Post
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Picture of sourdough44
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East St Louis, now there’s a place to avoid.
 
Posts: 3824 | Location: WI | Registered: February 29, 2012Reply With QuoteReport This Post
On the DL
Picture of V-Tail
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quote:
ome of the gas stations ask for the Zip Code of the billing address.
The software in the pumps at the local Costco has changed; it no longer asks for the zip code.
quote:
East St Louis, now there’s a place to avoid.
It appears that my card, or rather a facsimile thereof, went there without me.
This whole thing reminds me, my wife will be making a trip to Ohio soon to visit the kids and grandkids. She should probably notify her credit card issuers.



A mind is a terrible thing.
 
Posts: 21597 | Location: Central Florida (near Orlando) | Registered: January 03, 2010Reply With QuoteReport This Post
His Royal Hiney
Picture of Rey HRH
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I would imagine it’s just a card with a strip. Which reminds me that that’s all the gas station readers are, not the chip reader kind.



"It did not really matter what we expected from life, but rather what life expected from us. We needed to stop asking about the meaning of life, and instead to think of ourselves as those who were being questioned by life – daily and hourly. Our answer must consist not in talk and meditation, but in right action and in right conduct. Life ultimately means taking the responsibility to find the right answer to its problems and to fulfill the tasks which it constantly sets for each individual." Viktor Frankl, Man's Search for Meaning, 1946.
 
Posts: 15584 | Location: Bay Area, CA | Registered: March 24, 2011Reply With QuoteReport This Post
Oriental Redneck
Picture of 12131
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Everyone with a CC should expect it to be hacked. Chip or strip doesn't matter. Nothing is impregnable.


Q


2016 MAGA ---> 2020 KAG
* P228 factoids *


 
Posts: 18367 | Location: TEXAS | Registered: September 04, 2008Reply With QuoteReport This Post
On the DL
Picture of V-Tail
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Is it likely that a counterfeiter just generated a credit card number that happened to match mine?

This particular card is only used at Costco (4% rebate on gas, 2% on anything else) or restaurants (3% rebate). I never use it for online purchases, nor at any store other than Costco.

I'm pretty sure that it was not compromised at Costco, so that just leaves restaurants. Many of them accept Apple Pay, so it did not get compromised at any of those, since they never see the card. That narrows it down to just a few possibilities.



A mind is a terrible thing.
 
Posts: 21597 | Location: Central Florida (near Orlando) | Registered: January 03, 2010Reply With QuoteReport This Post
Nullus Anxietas
Picture of ensigmatic
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quote:
Originally posted by 12131:
Everyone with a CC should expect it to be hacked. Chip or strip doesn't matter. Nothing is impregnable.

True, but you can take steps to limit your exposure. E.g.: The Apple Card I now have has no numbers on it anywhere. As long as I stick to chip readers it's pretty damn safe. Being as whenever it's used I get immediate notification on watch, phone and tablet, and can disable the card, myself, I don't even need to rely on the card processor's fraud detection.

Apple Pay is even more secure. Each transaction uses a virtual card number that exists only for the duration of that transaction, and is good only for the amount of that specific transaction. So even if the bad guys did manage to compromise a PoS terminal to capture the data, it would do them no good at all.

N.B.: I'm not promoting Apple, but what they're doing. These are the kinds of things all credit card issuers should be doing.

quote:
Originally posted by V-Tail:
This particular card is only used at Costco (4% rebate on gas, 2% on anything else) or restaurants (3% rebate). I never use it for online purchases, nor at any store other than Costco.

Did you run it through a mag stripe reader at a Costco gasoline pump? If so: Good chance that's where it got cloned.

It's way past time for gasoline stations to get rid of the verkakte mag stripe readers. It's old tech and easily compromised. There's absolutely no excuse for their continued use.




"America is at that awkward stage. It's too late to work within the system,,,, but too early to shoot the bastards." -- Claire Wolfe
The dominant media is no more "mainstream" than leftists are liberals.
 
Posts: 16252 | Location: S.E. Michigan | Registered: January 06, 2008Reply With QuoteReport This Post
Oriental Redneck
Picture of 12131
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quote:
but you can take steps to limit your exposure.

Sure, it seems like everyone is doing something to minimize the risk. But, the point is, if you have a CC and live long enough, you will get hacked.


Q


2016 MAGA ---> 2020 KAG
* P228 factoids *


 
Posts: 18367 | Location: TEXAS | Registered: September 04, 2008Reply With QuoteReport This Post
Page late and a dollar short
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Last time my wife's card was hacked the first use was at a Little Caesar's on the east side of Detroit. Don't think we are going to drive 130 miles for a poor facsimile of a pizza not to mention the "wonderful" area it was located in.

I StreetViewed the store and surrounding area when we were notified but had a pretty good idea of the uniqueness of the neighborhood. (Putting it politely)


Ignorance is a powerful tool if applied at the right time, even, usually, surpassing knowledge(E.J.Potter, A.K.A. The Michigan Madman)
 
Posts: 5919 | Location: Livingston County Michigan USA | Registered: August 11, 2002Reply With QuoteReport This Post
Free men do not ask
permission to bear arms
Picture of George43
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quote:
Originally posted by 12131:
Everyone with a CC should expect it to be hacked. Chip or strip doesn't matter. Nothing is impregnable.


Tell that to Mona, a cheerleader I dated in High School!


A gun in the hand is worth more than ten policemen on the phone.
The American Revolution was carried out by a group of gun toting religious zealots.
 
Posts: 3370 | Location: Spring, Texas | Registered: June 26, 2012Reply With QuoteReport This Post
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Picture of 08 Cayenne
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I get hacked a minimum of 5 times per year. Visa is great, they catch it every time on the first purchase. I wish I knew how they did it. My identity was stolen when Neiman Marcus was hacked in 2014, my wife had her identity stolen from the Ohio Optometric association. All our personal data is on the dark web, whatever that is, according to the nice lady at identity theft.gov. Visa never questions it they just remove the charges and send me another card.
 
Posts: 1369 | Location: Ohio | Registered: May 27, 2008Reply With QuoteReport This Post
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When I was ranting to the bank about my last hack, they informed me that various types of fraud and theft losses in the US are north of 15 billion dollars. Per year.
15.... Billion with a B!
So... how can the banking and credit card industries continue to blow off these kinds of losses without doing something to stem it?
And... This type of activity crosses state and international borders, thus giving the Feds jurisdiction with their anti conspiracy and RICO laws. Why are the Feds not more aggressive in tracking and arresting these people?


End of Earth: 2 Miles
Upper Peninsula: 4 Miles
 
Posts: 9125 | Location: Marquette MI | Registered: July 08, 2014Reply With QuoteReport This Post
On the DL
Picture of V-Tail
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quote:
Originally posted by ensigmatic:

Did you run it through a mag stripe reader at a Costco gasoline pump? If so: Good chance that's where it got cloned.
That's the only way that you can buy gas at the local Costco. There is no cashier, so there's no way to pay in cash.

There is a trouble-shooting attendant roaming the gas area during the hours that the pumps are open, so doubtful that a skimmer could be inserted during business hours.

They do have security cameras, I wonder whether they check the overnight recording. I also wonder whether they check the card readers on the pumps for skimmers when they open in the morning.

I think that it's more likely that I got "recorded" at one of the restaurants where we ate within the last month or two. Funny, fast-food joints are probably more secure, most of them take Apple Pay. It's the sit-down places that are more of a concern, the waiter takes the card to a secret location when we pay, who knows what happens when the card is out of sight.



A mind is a terrible thing.
 
Posts: 21597 | Location: Central Florida (near Orlando) | Registered: January 03, 2010Reply With QuoteReport This Post
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Picture of alinc100
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quote:
Originally posted by YooperSigs:
When I was ranting to the bank about my last hack, they informed me that various types of fraud and theft losses in the US are north of 15 billion dollars. Per year.
15.... Billion with a B!
So... how can the banking and credit card industries continue to blow off these kinds of losses without doing something to stem it?
And... This type of activity crosses state and international borders, thus giving the Feds jurisdiction with their anti conspiracy and RICO laws. Why are the Feds not more aggressive in tracking and arresting these people?


They don't blow it off....they pass those costs right on to you and me. Whether it's ATM fees,0% interest, finance charges,etc.



I'd rather be armed and unharmed than unarmed and harmed.
 
Posts: 537 | Location: SE Michigan | Registered: April 11, 2015Reply With QuoteReport This Post
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Picture of cne32507
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V-Tail: "It's the sit-down places that are more of a concern, the waiter takes the card to a secret location when we pay, who knows what happens when the card is out of sight."

Aaaaand that's why I now follow the waiter while I hold my card. One waiter this week was offended. Tough.


Near the ocean
 
Posts: 2058 | Location: Central Time Zone Florida | Registered: February 03, 2011Reply With QuoteReport This Post
member
Picture of henryaz
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quote:
Originally posted by 12131:
Everyone with a CC should expect it to be hacked. Chip or strip doesn't matter. Nothing is impregnable.

I believe most people would be shocked to see the lists being traded/sold on the Dark Web. Credit card numbers, names, addresses, phone numbers, SSNs, and more. Some won't be used for months, so it is hard to peg a fraud purchase to a particular merchant. Just because the fraud happened right after using a particular card does not necessarily mean that merchant was hacked. Apple Pay is definitely secure, due to random numbers generated for each transaction, and I use it wherever it is accepted, and tend to choose merchants for that reason. Still, I always shudder when I have to swipe a card to get gas.



all your sig are belong to us
 
Posts: 8972 | Location: South Congress AZ | Registered: May 27, 2006Reply With QuoteReport This Post
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Picture of sigcrazy7
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quote:
Originally posted by V-Tail:
That's the only way that you can buy gas at the local Costco. There is no cashier, so there's no way to pay in cash.


I seem to recall that you can buy gift cards at Costco with cash and then use them at the fuel island.



Hannibal ad portas. Carthago delenda est.
 
Posts: 6146 | Location: Utah | Registered: December 18, 2008Reply With QuoteReport This Post
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Picture of Pipe Smoker
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quote:
Originally posted by Rey HRH:
I would imagine it’s just a card with a strip. Which reminds me that that’s all the gas station readers are, not the chip reader kind.

And that’s puzzling. All of my other merchants now support chip readers. My Shell station put in new pumps a couple of weeks ago with upgraded credit card readers and display, but still no chip reader.



Look about you.
 
Posts: 4973 | Location: San Diego | Registered: July 26, 2014Reply With QuoteReport This Post
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Our local Kroger gas stations just swapped out their mag strip readers on the pumps for chip readers. First time I used one I kept trying to remove my CC while it was still reading it until I figured out what was going on!
 
Posts: 524 | Location: NE Indiana  | Registered: January 20, 2011Reply With QuoteReport This Post
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