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Thu Jan 04, 2007 11:07 am  |
Yes, it has happened to me.  This morning my credit card company left a message saying they suspected fraud on my account. I did not call back the number they left as I thought the call in itself might be a theif. On the back of my card I got the customer service number. Come to find out this morning an $800.00 charge was posted to my account. Immediately I checked to see if I lost my credit card. My husband was also called to see if he had his. We both had our credit cards in possession.
I am not being charged for the $800.00 but had to destroy our cards. From what they told me the charge says: Googles.com. Now, I never knew googles.com could come though on ones credit card. What the heck can someone buy from googles??
I am so thankful that this is as far as it went. I have heard about credit card fraud but I never thought it would happen to me.
Has anyone else had this experience?
Please be careful. |
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Thu Jan 04, 2007 11:37 am |
| Perhaps they used froogle, which is google's equivalent of eBay. Someone probably got your card number but didn't get the actual card. So sorry this happend to you, Winnie, but it's a comfort that you do not have to pay for it. |
_________________
20's: rare pimples and oily T-zone..annoying little blackhead buggers on nose |
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Thu Jan 04, 2007 12:12 pm |
I had a very similar experience during Christmas. I was shopping and tried to use my credit card. It was declined! The card has a high limit, and I pay off the balance at the end of the month in any case (yes, I'm TOO cheap to pay the interest  )
When I got home, I logged on to my account. There were a slew of charges posted. The vendor was some communications company and the charges were for equipment and then for calls made all over the world!
The security office for the card said they've had massive problems with hackers who've managed to grab numbers from insecure online sites. Apparently, in this particular case, the bank was familiar with their operation and said they operate out of Nigeria, but that they keep moving around.
I'm not liable for the charges, but I have to do affidavits for each separate charge and they had to close the account and issue new cards. MAJOR PITA..... |
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Thu Jan 04, 2007 12:16 pm |
Winnie and Katee - so sorry to hear about your bad experiences  This is what makes me scared to order over the internet or use Paypal, altho I know it can happen anywhere/anyhow. |
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Thu Jan 04, 2007 12:36 pm |
Oh my gosh, that's so horrible for both of you!  That mention of Google freaked me out and I ran to check my card. When I purchased the Quasar I bought it through their website which goes through Google Checkout, and reading your message had me a little concerned! But luckily it looks ok.
It really makes you scared these days to use any type of card online OR in person. I use my debit card so often and I really think this year I should get into using cash where I can (would help with the budgeting too I think).
What a crappy thing to have to go through. |
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Thu Jan 04, 2007 12:50 pm |
@winnie, wow that is scary, I can't imagine that somewhere in that transaction there must be an actual invoice number or something? Well I guess it is the creditcard's problem to find that out.
was it google? or googles?
I almost always try to pay with paypal online or only recommended sites, you would think google is a recommended site? |
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Thu Jan 04, 2007 12:54 pm |
| for now |
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Thu Jan 04, 2007 12:59 pm |
I think PayPal is probably one of the best routes when paying online. Their site is quite secure and once your account is set up, you don't transmit your financial data online.
I have stupidly used my credit card on sites whose security was probably not at the level it should be, but because I have such high level security on my computer, I never thought it would be a problem.
I think hackers have gotten more sophisticated recently. It does concern me somewhat because I do all my banking, billpaying, etc. online.
Ugh - another thing to worry about. |
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Thu Jan 04, 2007 1:37 pm |
| This has happened to me twice now. Fortunately, I check my credit card statement online every morning, so I alerted the CC company right away. |
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Thu Jan 04, 2007 1:56 pm |
Speaking of PayPal.. Just a little bit ago, I got one of those fraud emails, telling me $699.and change had been charged to mine.. And wanting me to log into the account, thru 'their' link, to verify it was correct...
I may be blonde, but I'm NOT dumb...ROFL I went to the PayPal, looking for instructions on how to report it.. Didn't find anything.. Anyone know? |
_________________
Colorful Colorado! Highlands Ranch, a burb south of Denver... |
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Thu Jan 04, 2007 2:01 pm |
| Hi thats called 'fishing' so it will lead you to a site that looks like paypal but isn't just to get your information. Always go to the website on your own, never follow a link out of an email for paying. |
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Thu Jan 04, 2007 2:19 pm |
| I'm Kiki wrote: |
Speaking of PayPal.. Just a little bit ago, I got one of those fraud emails, telling me $699.and change had been charged to mine.. And wanting me to log into the account, thru 'their' link, to verify it was correct...
I may be blonde, but I'm NOT dumb...ROFL I went to the PayPal, looking for instructions on how to report it.. Didn't find anything.. Anyone know? |
when this happens to me, I forward the email to spoof@paypal.com
it is horrible to have to worry about this kind of thing. I'm sorry you had to deal with it Winnie. (in my case, though, maybe it will act as a curb on some of my lemming tendencies....)
priscilla |
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35, combination skin, post-inflammatory hyperpigmentation at the slightest blemish + stubborn blackheads on nose. Ignoramus about skincare--hence the litany of skincare woes. Here to learn, and grateful for help. |
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Thu Jan 04, 2007 2:20 pm |
| hkyarrington wrote: |
| Hi thats called 'fishing' so it will lead you to a site that looks like paypal but isn't just to get your information. Always go to the website on your own, never follow a link out of an email for paying. |
Yes, I know that, thank you tho.. That's why I want to report it to PayPal.. I was wondering if anyone can tell me where to look for that area, as I'm not seeing it on my own... |
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Colorful Colorado! Highlands Ranch, a burb south of Denver... |
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Thu Jan 04, 2007 2:21 pm |
| Thank you, Priscilla!!! I'll do that now... |
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Colorful Colorado! Highlands Ranch, a burb south of Denver... |
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Thu Jan 04, 2007 2:38 pm |
I have just been told that I can have some type of spyware on my computer without it being detected.  I run my virus software every night at 3 AM and update it. I am going to change most of my passwords on line. It is advised that we often change passwords for our protection. I must admit that I don't do this. I have other credit cards. Today I checked all cc's and all seems fine. |
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Thu Jan 04, 2007 3:44 pm |
| This kind of thing really freaks me out - my whole life is online! I do try to be really careful to check that the site is secure when I'm inputting credit card details, but you never really know do you? Ugh - one more thing to worry about. Glad you didn't get any extra charges in the end though Winnie. |
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Thu Jan 04, 2007 4:20 pm |
| This has happened to me a few times over the years. And because of this I will ALWAYS keep & use my Discover card. EVERYTIME, they were the one's to notify ME of 'suspicious charges'. That's being on top of things in my book & they'll always have a loyal customer because of such measures. |
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Think for yourselves and let others enjoy the privilege to do so, too. ~ Voltaire www.Candessence.com |
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Thu Jan 04, 2007 4:25 pm |
Winnie,
Your virus screen isn't likely to find it. Even stuff like Norton Security Pro doesn't help much with that. You can download SpyBot and AdAware for free and run a screen every week or so - more often if you do alot of shopping online... |
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Thu Jan 04, 2007 7:43 pm |
| tam wrote: |
| This has happened to me twice now. Fortunately, I check my credit card statement online every morning, so I alerted the CC company right away. |
Thanks for the tip. From now on, I'll do the same. |
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Thu Jan 04, 2007 8:05 pm |
| I'm Kiki wrote: |
Speaking of PayPal.. Just a little bit ago, I got one of those fraud emails, telling me $699.and change had been charged to mine.. And wanting me to log into the account, thru 'their' link, to verify it was correct...
I may be blonde, but I'm NOT dumb...ROFL I went to the PayPal, looking for instructions on how to report it.. Didn't find anything.. Anyone know? |
I received a similar e-mail. I called PayPal to report it and was told to send all suspicious e-mails to spoof@paypal.com.
You can also get a lot of very useful information here:
https://www.paypal.com/cgi-bin/webscr?cmd=_vdc-security-spoof-outside |
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Thu Jan 04, 2007 10:24 pm |
| I sent it there, doba.. In a matter of 2 minutes tops, I got an email from them, confirming it didn't come from PayPal.. Like I didn't know that...LOL I'm just so happy to have the site now, in the event it happens again... |
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Colorful Colorado! Highlands Ranch, a burb south of Denver... |
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Thu Jan 04, 2007 11:16 pm |
spyware is totally evil spawn... Like Katee said, Spybot and AdAware are excellent. AVG now offer a spyware program (purchase) with their anti-virus as well and being AVG that I am sure would be good as well.
I have had my bank in Australia call my mum asking to speak to me about my Aussie-based credit card - it was when my uni fees were being charged, but the Aussie uni used a UK-based clearance house for international students.  It was a pain in the butt to sort out the first couple of times it happened but I really appreciated their alert system.
I have been fortunate not to have experienced this problem (touch wood), but did have an erroneous $13 charge from a website I had ordered $20 of stuff from and then cancelled once. I had so much trouble with that site with my original order that I just let the $13 slide in the end (in those days it would have cost me more than that in phone calls to fix it).
Some other timely hints for protecting yourself (we need Mabsy to chime in here on net security):
- never send your CC info via e-mail. Either give by telephone, fax or secure website (look for https at the start of the address on the payment page rather than http)
- dont select the "store my information" option at online shopping sites. It might be a pain to input your card info every time you shop, but it makes you a bit safer from attacks on their servers to hack customers credit info.
- try and keep one particular credit card for online shopping only - this is just an organizational hint - but it does help to keep track of purchases and if you have to cut up the card due to fraud you will still be able to use your regular card in your waking life.
- at restaurants etc. don't let your card out of your sight when paying (ie taken to a back room to process). In Australia there were huge problems in restaurants where staff would do a double swipe of someones card and then use the info later for extra charges at websites etc.
- always check your printed statement and check-off purchases against receipts (sounds anal, but you would be surprized what errors occur).. oh and always look at the total when you are signing (doh, my DH once signed for $200 instead of the $20 he spent  - luckily by the time I picked it up the store had already contacted AMEX and had the charge fixed. )
OK, that is all for now... I hope in amongst that waffle there was some information that someone out there might find useful. |
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SKIN: combination, reactive to climate changes and extremely fair. "Women complain about premenstrual syndrome, but I think of it as the only time of the month that I can be myself." --Roseanne |
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Fri Jan 05, 2007 2:47 am |
| Winnie, can I ask what type of credit card it was. I normally use Amex on the internet as Amex here in Oz guarantee protection from internet fraud. I check my Amex account regularly and I have only ever had one incorrect charge which was quite a few years ago now, but Amex reversed the charge immediately I contacted them. I was very impressed with their service. |
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Skin: Over 60, ex combination now sensitive, Cellcosmet |
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Fri Jan 05, 2007 3:29 am |
With internet banking some banks (here in Australia) offer customers the opportunity to use a "secure access" token (fob) as an additional security measure. We use these for remote access when working from home or away from the office. If you are concerned about security or would like additional security it may be worth checking with your bank to see if they offer this.
You would be amazed at how much spyware is out there and there are some great online articles available about it and the problems it causes, I run spyware removal programs frequently ie every day or so. |
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Fri Jan 05, 2007 4:56 am |
| bushy wrote: |
| Winnie, can I ask what type of credit card it was. I normally use Amex on the internet as Amex here in Oz guarantee protection from internet fraud. I check my Amex account regularly and I have only ever had one incorrect charge which was quite a few years ago now, but Amex reversed the charge immediately I contacted them. I was very impressed with their service. |
bushy it was Visa. I must say the company was right on top of it. From my understanding they profile your buying habits. If anything unusual shows up with a high price tag your account is flagged. Good thing the item did not fall in the skin care department (ie: Cellcosmet or Valmont products$$$$$$$$$$). |
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