Credit Card Fraud Lameness

Nik H

Constantly Learning
Online Training Access
Belligerents
Jan 22, 2014
6,730
6,041
219
Okay, so last week I noticed some debt charges begin to appear on my Pay Pal account from my Debit Card number, not online. Someone got my Debit card number and started to use it.

Because the Pay Pal account will email you in almost real-time when the card is used, I immediately shut it down, and basically use my Pay Pal card for this very reason. It limits my exposure, especially in sketchy spots and traveling.

Yesterday I got home from CA and in the mail, there was a copy of the insurance information the scammer tried to open with my card. They registered and trying buying car insurance along with a $40 trip to Dairy Queen, and as I said, it was turned off pretty quick.

Now the lameness of the situation, I called Pay Pal to tell them I had the information, 3 people later the women say yes we would like to have that information so go to the resolution center and submit it. Well, you can't submit it so I call them back and they tell me they are arent interested in charging the person, only getting the claim resolved. How weird is that you would think they want to shut the pipeline down for stolen credit cards, and here is a cog in that machine, but nope, maybe they will ask for it, and all they did was put a note on the file I have additional information.

So Isaiah Smith from Steven's Point WI gets to walk away from trying to use a stolen card number racking up about $1600 in bogus charges on my card. Crazy world we live in, especially considering I have not been to WI this season, I was in MI, but not Wisconson at all.
My PP credit card has been used fraudulently twice. On one occasion, someone tried to put his $6K downpayment for a car on it......Both times it was someone in FL. I have only been to FL once in my entire life. As you say, they aren't interested in prosecution. They just want the paperwork for their records. They usually send them to you in a package with an affidavit form where you state that it was not you
 
  • Like
Reactions: TACC

kenny1773

Sergeant of the Hide
Belligerents
Minuteman
Jun 7, 2019
287
393
69
yeah, I dislike paypal a lot, don't trust them either

I have known too many people that lost in paypal disputes to fraudsters

the fraudsters have figured out paypals formula on how they decide disputes and they go right through steps 123 and you are done.

I only have a credit card linked to PP and use it very infrequently, never given paypal my SS# or anything like that for any reason.
 

Nik H

Constantly Learning
Online Training Access
Belligerents
Jan 22, 2014
6,730
6,041
219
I have no issue with PP. If they only knew how many firearm items I have bought using them, they would shit a brick.

Both cases of fraud were dealt with quickly and I never worried about it. The only thing I never do is leave money sent to me in their hands. I move it immediately to my bank
 

jbuck88

Full Member
Belligerents
Oct 25, 2010
747
205
49
37
Port Angeles, WA
About 6 years ago I paid off all of my CC debt and cut up my cards.

Last week was the 3rd time I've had fraudulent activity on my debit card. They cancelled it and refunded my money after 4 days, but I'm still waiting on my new card to come in the mail.

I'm really thinking it might be time for another credit card.
 

W54/XM-388

Online Training Member
Online Training Access
Belligerents
Oct 1, 2005
6,464
10,308
219
Dallas, TX
About 6 years ago I paid off all of my CC debt and cut up my cards.

Last week was the 3rd time I've had fraudulent activity on my debit card. They cancelled it and refunded my money after 4 days, but I'm still waiting on my new card to come in the mail.

I'm really thinking it might be time for another credit card.
I would say you should always use a credit card instead of a debit card if you are the kind that will only spend what you have money in the bank to pay them as soon as the bill comes in.
 
  • Like
Reactions: Jefe's Dope

Jefe's Dope

Duke Caboom
Belligerents
Dec 20, 2017
4,519
23,472
119
Credit cards are by far the safest way to spend money. You're very well protected and would likely never be accountable for $1. Many of you are very lucky that your banks provide that level of security with their debit cards. They don't have to. It's like carrying cash. Actually worse, access to ALL your cash.
 
  • Like
Reactions: TACC