Well it happened again. Someone tried to use my debit card to make charges I didn't authorize and no it wasn't Lady Allclick. She learned her lesson well after I prosecuted to the full extent of the law (kidding, of course!).
I checked my bank last week and while skimming through noticed a charge of $1.00 to "APL*ITUNES 866-712-7753 CA". It was still "Pre-AUTH" so it hadn't completed yet but I knew something wasn't right. I called my local bank but as it was 4:31 they were closed and there was no-one available to speak. In the end I called the stolen/lost hotline and they canceled the card. Even the $1.00 didn't go through so that was great, but for the second time in two years I'm waiting for a new debit card to arrive.
I decided to report the card after doing a little research. It turns out that lots of people have fallen victim to this. Some with or without itunes accounts. Frighteningly, many people reported that when they had alerted Apple to the fact that someone had made fraudulent itunes purchases on their account Apple did jack squat and state that they do not refund any "authorized purchases". Some folks had hundreds of dollars of charges. Another guy had his itunes connected to his paypal and they were able to draw $4999 out of his bank without a red flag. Apparently in the small print it says that by linking the accounts you agree that up to $5000 can be made in purchases without letting the individual know.
From reading lots of comments it seems that the scam works by someone guessing your debit card number. Most banks use sequential numbering so once they have one debit card they can guess at the next number in the sequence. Then when they think they have the details they try the $1.00 purchase...if that goes through they go to town and rack up the big bucks, so check your bank statements often.
Showing posts with label banks. Show all posts
Showing posts with label banks. Show all posts
09 August, 2010
11 November, 2009
Robbed by a New Yorker
Yesterday morning I awoke, stared bleary-eyed at my phone and checked my emails. Apparently, an apple wakes you up more than a cup of coffee in the morning. Yesterday morning an email telling me that my bank account was below the watch amount I had set up on it woke me up faster than apple flavoured coffee with a shot of red-bull. I rushed downstairs to check my account. Did I really have less than $50 in my account? Had I spent that much already this month?
My account loaded up and it turns out I DID have less than $50 in my account. Less than $20 in fact. Less than $0. I actually had $-700 in my account.
"How queer" I thought to myself mildly bemused. "Must be a banking error."
Ok. I didn't actually think that. I thought "Where the **** is my money?". Turns out I must have sleep walked to NY and spent the whole lot. I apparently sleepwalked straight into Gap Kids. Twice. Spending over $200 there. Then I decided that Staples was next. $200 there too. I must have bought a metro card too and enjoyed various other stores around the NY area.
There were two major clues that tipped me off that perhaps it wasn't me sleep walking.
1) I didn't have any of the cool baby clothes and staples products you would think I would have.
2) I had somehow managed to be in Gap Kids at the same time that I withdrew money from an atm in West Virginia.
So you can imagine I am not a happy bunny today.
What made it worse is that I had SPOKE to the bank two days ago reporting a problem with my card. "Hmm I don't see any problems sir" they told me "must just be a faulty card". A faulty card?? Your telling me! So my own bank couldn't tell that it was being used to run up hundreds of dollars in another state even though I was putting the physical card into ATMs in WV?? What a joke. And how were they able to run me into so much debt without triggering any alarm bells at my bank or declining any transaction? Depending on how it goes at the bank tomorrow will determine whether I stay with them or not.
There is one thing the bank was able to do incredibly effectively. Charge me $34 for 7 different overdrawn transactions. Thank you!
My account loaded up and it turns out I DID have less than $50 in my account. Less than $20 in fact. Less than $0. I actually had $-700 in my account.
"How queer" I thought to myself mildly bemused. "Must be a banking error."
Ok. I didn't actually think that. I thought "Where the **** is my money?". Turns out I must have sleep walked to NY and spent the whole lot. I apparently sleepwalked straight into Gap Kids. Twice. Spending over $200 there. Then I decided that Staples was next. $200 there too. I must have bought a metro card too and enjoyed various other stores around the NY area.
There were two major clues that tipped me off that perhaps it wasn't me sleep walking.
1) I didn't have any of the cool baby clothes and staples products you would think I would have.
2) I had somehow managed to be in Gap Kids at the same time that I withdrew money from an atm in West Virginia.
So you can imagine I am not a happy bunny today.
What made it worse is that I had SPOKE to the bank two days ago reporting a problem with my card. "Hmm I don't see any problems sir" they told me "must just be a faulty card". A faulty card?? Your telling me! So my own bank couldn't tell that it was being used to run up hundreds of dollars in another state even though I was putting the physical card into ATMs in WV?? What a joke. And how were they able to run me into so much debt without triggering any alarm bells at my bank or declining any transaction? Depending on how it goes at the bank tomorrow will determine whether I stay with them or not.
There is one thing the bank was able to do incredibly effectively. Charge me $34 for 7 different overdrawn transactions. Thank you!
09 February, 2009
Securing us from ourselves
Have you even seen "I, Robot"? The Will Smith movie set in the future where everyone has a robot and surprise! things get screwed up. Totally Sci-fi fantasy, right? Well, I think we are actually closer to the future that it might seem. I'm not talking about Robots here (unfortunately) as the technology just still isn't there (unless Japan is secretly hiding this fact from us), but if you watch the movie, (SPOILER!!!!!) the role of "protectors of humans" that the robots take on, result in the ultimate consequence. Protecting humans from themselves as we aren't taking care of ourselves and it is this consequence that we are inching towards. Beginning with Internet and banking security.
The number of logins and passwords now needed in the average person's life, online, is just growing out of control. I swear I'm buying a frigging retina scanner or thumbprint reader because I'm just fed up with it. Because there are so many and each have different requirements I can never use the same password or login, or have to change my password every tenth new moon and so I've been locked out of bank accounts for days "for my own security". I've had to call and answer a thousand security questions, give my address, age, and shoe size and waste time just to reset my password. Now, I don't want anyone getting at my money (hey, I need that $12 for Hussan's) but I do want to have access to it myself. It's my money afterall. There is one bank right now that they are insisting I walk into the branch in person just to verify it's me. Hang on, bank, all those times I called you and logged on online you were happy knowing that I was umm me but now I have to walk in? What happened?
I can understand banks having the intensive security. Especially as they will have to pay for it if someone does start spending your money. They could at least only lock down the account when something unusual happens, say, all my money is transferred out to a strange account. However, I can't understand when I am asked a barrage of security questions to order a Papa John's or gourmet popcorn, or mail order bride. These sites don't even have access to my credit card details and so the worse that can happen is someone knows I enjoy caramel and chocolate and plenty of cheese on my deep pans.
The system is beginning to secure us from ourselves and it won't be long before you'll have to give DNA samples even down at Kroger. Can't have anyone else getting those Kroger rewards points, can we?
The number of logins and passwords now needed in the average person's life, online, is just growing out of control. I swear I'm buying a frigging retina scanner or thumbprint reader because I'm just fed up with it. Because there are so many and each have different requirements I can never use the same password or login, or have to change my password every tenth new moon and so I've been locked out of bank accounts for days "for my own security". I've had to call and answer a thousand security questions, give my address, age, and shoe size and waste time just to reset my password. Now, I don't want anyone getting at my money (hey, I need that $12 for Hussan's) but I do want to have access to it myself. It's my money afterall. There is one bank right now that they are insisting I walk into the branch in person just to verify it's me. Hang on, bank, all those times I called you and logged on online you were happy knowing that I was umm me but now I have to walk in? What happened?
I can understand banks having the intensive security. Especially as they will have to pay for it if someone does start spending your money. They could at least only lock down the account when something unusual happens, say, all my money is transferred out to a strange account. However, I can't understand when I am asked a barrage of security questions to order a Papa John's or gourmet popcorn, or mail order bride. These sites don't even have access to my credit card details and so the worse that can happen is someone knows I enjoy caramel and chocolate and plenty of cheese on my deep pans.
The system is beginning to secure us from ourselves and it won't be long before you'll have to give DNA samples even down at Kroger. Can't have anyone else getting those Kroger rewards points, can we?
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