Bank Of America Flags My Card Today!

[GNBRETT]

Tried using my card at (3) different places and would not work.

Went to Bank of America and they said it was flagged because someone ran my card for 20 cents which is apparently what these scumbage do to see if the card works then hit you with small amounts over time that you probably wouldn't notice unless you watch ur account every day. So be aware.

Of coure I had to cancel it and now change all my accounts linked to the card. People suk. I would love to catch one of these scumbags and hang them by their balls!

 

[SGRIM]

Tried using my card at (3) different places and would not work.

Went to Bank of America and they said it was flagged because someone ran my card for 20 cents which is apparently what these scumbage do to see if the card works then hit you with small amounts over time that you probably wouldn't notice unless you watch ur account every day. So be aware.

Of coure I had to cancel it and now change all my accounts linked to the card. People suk. I would love to catch one of these scumbags and hang them by their balls!

It happened to our Business Debit Cards today at BWR

 

[SS_Sean]

Had that happen to my visa debit card about 6 months ago...no clue how they came up with the number, but I have used it ALOT to buy parts for my buick....

 

[WeSS]

scammers

The sad part about it is first you have to worry about the scammers then you have to worry about bank of america raising their rates 50%.

 

[TR Custom Parts]

Welcome to the I got screwed over by a scumbag club.:smile:

 

[bison]

Yeah. The f uckers will go buy $1 worth of gas to see if the card is good then go on a spree. One f ucker i used to work with stole a CC from another employee and the dumb bastard went across the street and bought a new cell phone with it. On closed circuit tv. Did he think he would not get caught?

 

[gnxtc2]

DO NOT LET YOUR CREDIT CARDS OUT OF YOUR SIGHT. ONCE OUT OF YOUR SIGHT, THEY CAN BE SKIMMED

Billy T.
gnxtc2@aol.com

 

[Fachie Motion]

Debit cards are dangerous. That is your actual money coming from your account. While the Bank does their investigation into if there have been unauthorized charges or purchases you are out the money. Different banks have different policies. I know of two different banks that take 90 days before they decide if they are giving you your money back.
And yes people do suck !

 

[GNBRETT]

DO NOT LET YOUR CREDIT CARDS OUT OF YOUR SIGHT. ONCE OUT OF YOUR SIGHT, THEY CAN BE SKIMMED

Billy T.
gnxtc2@aol.com

Unfortunately it is much easier then most think to acquire the card number from an internet order. I guess the convenience must be weighed against the risk. I will continue to take the risk when buying parts I am sure as will most others. But letting it out of ur site in person is of course good advice as well.

 

[JayC]

When we get the BWR site going, Im probably going to make Paypal the only payment option. You can still process cards through them even without an account and Ive never heard of them being breached.

When someone orders something from us with a CC, I punch the number into the terminal manually. Its not bulletproof but at least the internet isnt involved.

 

[gnxtc2]

Unfortunately it is much easier then most think to acquire the card number from an internet order. I guess the convenience must be weighed against the risk. I will continue to take the risk when buying parts I am sure as will most others. But letting it out of ur site in person is of course good advice as well.

You have to ask your CC company if a card was swiped during the fraudulent charge. If it was swiped, then the card was skimmed.

Someone that aquires your CC number via internet, leaves a trace.

A customer of a restaurant caught the waiter putting the CC in his pocket when he was bringing up the bill to the register. He had a skimmer in his pocket. He was later arrested and later deported by the ICE. He was selling the info but would not give up the head guy.

Billy T.
gnxtc2@aol.com

 

[GNBRETT]

No mine was simply an automated fraud alert when 20 cents is debited. I guess thats a common amount they use.

I was very aggravated but it's better then getting wiped out and trying to recoupe ur loss with a debit card. A CC is a much better idea but CC's get people in CC debt so I avoid them

 

[TR Custom Parts]

Your card can get skimmed even if you always have the card in your hand! There have been cases at fuel pumps and atm's where "they" put there skimmer in place of the regular one.

Banks' security are breached all the time too. Couple years back charges started showing up on my account from Haiti and Turkey. Had to go to the bank a couple of times to finally get it straightened out. Changed account numbers on the card and charges STILL kept coming in. Overheard other people at the bank complaining of the same thing and turned out that somehow someone got a bunch of cc numbers from the bank.

Life in the computer age I guess.

 

[SGRIM]

I was in the office about 2 weeks ago and got a call wanting to verify some charges on my main company credit card. He read off 3 things I had done that morning then he went to 3 $300+ dollar charges at a freakin grocery market in Cali

I said Sir, I am in NC you called me in NC how could I have been in Cali 10 mins ago

He proceeded to tell me not to worry that another visa customer had recieved the same digits as mine on a card and that was the problem I have never heard of that. I think it was stolen like you guys are talking about

 

[GSX-PKV]

Two weeks ago my business Visa card # was hijacked. Someone in Ohio tried to make a $500 purchase at Giant Eagle with my #. I seldom use that card - maybe once a month - and the last time I used it was for my hotel in Bowling Green, KY for the Nationals and I also gave that # for my hotel reservation for the July BPG even in Ohio. Both were Holiday Inns... I wonder how easy it is for someone in reservations to swipe your #. They have all your info right at hand.

A few years ago I had a new credit card, never used until I used it at Hertz rental cars at O'hare. A week later, the credit card co. called and said someone was trying to use my # to order 2 Rolex watches and ship them to the south side of Chicago, no where close to where we live! I asked since they have the address of where the watches were to be shipped, why don't the cops go there to arrest the perps. They said "the police tell them are too busy for things like that".

In both cases, the card co. spotted the suspicious activity and cancelled the cards, which is a major pain if you use a card for monthly automatic payments, etc... since that time, I have a special card I only use for on-line or phone purchases so if there is fraud and it is cancelled, it's not a big hassle.

 

[TURBOPOWERED68]

Last month I went to my bank "BOA" and opened up another checking account with another Debit card.
This account has $25.00 in it and it’s the only card I now use to shop over the telephone or internet.

If I am buying a "what ever" at $100.00 I simply transfer the $100.00 over to this account then I make my purchase.
Yes it’s a pain but at least the most I would loose Worst case scenario is the $25.00 plus the purchase amount and not all of my savings.

 

[granatl]

Think about some things here.
1. Fraud charges are now in the xx billion dollar range a year.
2. CC/Credit Reporting agencies love the "extra" money that they're making off people buying their reports and report protection.
3. CC numbers should have been dropped as we entered the 21st century. Although not perfect, there should be a system that allows you to call your CC company (preferably from your cell), enter a pin #, a retailer code, and the transaction amount, that in turn spews out some code that you give to the retailer. In other words, you would never use the same number twice.
4. As mentioned earlier, using your debit card is risky. I suggest that if you need to, keep a "nominal" amount in your checking account, and as much as possible in savings (but don't have the card linked to savings).
5. Why on earth would we ever allow a corporation to charge more than, say, 18% APR? Didn't we outlaw loan sharking many years ago?
6. If you want to get people out of debt, wouldn't it make more sense to enforce simple (vs. compounding) interest? I.E., if your monthly rate is 1.5%, then shouldn't it be that if you make a $100 payment, $1.50 goes to interest and $98.50 goes to principle? Think how much faster you'd pay off debt (and yes, I know it would kill the banking industry).

 

[bison]

Think about some things here.
1. Fraud charges are now in the xx billion dollar range a year.
2. CC/Credit Reporting agencies love the "extra" money that they're making off people buying their reports and report protection.
3. CC numbers should have been dropped as we entered the 21st century. Although not perfect, there should be a system that allows you to call your CC company (preferably from your cell), enter a pin #, a retailer code, and the transaction amount, that in turn spews out some code that you give to the retailer. In other words, you would never use the same number twice.
4. As mentioned earlier, using your debit card is risky. I suggest that if you need to, keep a "nominal" amount in your checking account, and as much as possible in savings (but don't have the card linked to savings).
5. Why on earth would we ever allow a corporation to charge more than, say, 18% APR? Didn't we outlaw loan sharking many years ago?
6. If you want to get people out of debt, wouldn't it make more sense to enforce simple (vs. compounding) interest? I.E., if your monthly rate is 1.5%, then shouldn't it be that if you make a $100 payment, $1.50 goes to interest and $98.50 goes to principle? Think how much faster you'd pay off debt (and yes, I know it would kill the banking industry).

Some good points about potential solutions for CC fraud but one about interest doesnt make sense. You have to remember that people are responsible for putting themselves in debt. Not the banks. If you were dopey enough to cause a financial hardship for yourself then you should be responsible and work more to pay it off. The american way is to be far in debt. Even if rates were 1.5% then people would just charge a whole lot more and wind up with the never ending CC bill. It becomes a part of their lifestyle just like paying on a car. I know of a few who get a new car every couple years and have non stop $400+/month payments. Lol. Their cars are worth less than they owe and on trade in the difference is just added to the new loan. F'in stupid American lifestyles. Lifestyles of the stupid and in debt. Nothing about rich and famous for 99.99999999999%. Ive probably saved $40k in the last 16 years by not ever having a car payment.