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  1. #1
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    Stolen credit card question

    I have a credit card that alerts me when a certain amount is spent. Last week I got an email that someone spent $300 at toysrus.com. Not having kids I knew something was wrong. I called the credit card company and they confirmed the order. They canceled the card and told me to call toys r us to cancel the order. All this went fine but toys r us wouldn't tell me the shipping address but they did confirm it was different. They said to fill out a police report and they could get me the address. The address is from NJ but what is weird is that they put my phone number on the order. My phone number is a google phone number via voip.

    Any ideas how they would get my credit card info and my phone number? Should I assume they just have my credit card info and this isn't a case of identity theft?



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    Re: Stolen credit card question

    I suggest you tweet this guy. He can tell you all you want to know about credit card theft.

    https://twitter.com/GottliebShow


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    Re: Stolen credit card question

    It was probably happened with some kind of scanner at a place you used your card. Gas stations seem to be a popular place for that to happen.

    This happened to my dad last month. Someone made 5 or 6 purchases with his discover card in the dallas area. Discover caught on and contacted us before we even knew it happened.



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    Re: Stolen credit card question

    does monoprice have your phone number?


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    Re: Stolen credit card question

    Quote Originally Posted by kilgore_trout View Post
    does monoprice have your phone number?
    Not sure, why?



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    Re: Stolen credit card question

    Quote Originally Posted by cytech View Post
    It was probably happened with some kind of scanner at a place you used your card. Gas stations seem to be a popular place for that to happen.

    This happened to my dad last month. Someone made 5 or 6 purchases with his discover card in the dallas area. Discover caught on and contacted us before we even knew it happened.
    Haven't really heard of this. Explain?



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    Re: Stolen credit card question

    Quote Originally Posted by CycloneGB View Post
    Haven't really heard of this. Explain?
    People put a gadget on a card reader that scans your card number at the same time that the card reader does. I think some store the numbers on the gadget, while others can transmit them wirelessly? I think some can also record your PIN if you enter it, so it's becoming increasingly recommended to choose credit rather than debit.


    M 7/09

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    Re: Stolen credit card question

    Quote Originally Posted by CycloneGB View Post
    Haven't really heard of this. Explain?
    Boise police find two credit card skimmers at gas station off I-84 | Crime | Idahostatesman.com

    Click image for larger version. 

Name:	news-graphics-2008-_659253a.gif 
Views:	176 
Size:	27.7 KB 
ID:	19434


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    Re: Stolen credit card question

    This happened to me on a Discover Card. I'm just surprised they foisted it on you to try to cancel the order with ToysRUs. I would think they could do that easier than you.


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    Re: Stolen credit card question

    A couple of other ways someone can record your credit card number: 1) if you ever give it over the phone for an order, reservation, etc. there is nothing from stopping the person on the other end from jotting it down for personal use. 2) If you are at any place where your card leaves your sight (usually a restaurant) someone can record your number. With cameras on cell phones this can be so quick you might not suspect anything.

    Don't let this make you leery of using it in these instances...it is almost always the employee that is stealing, not the company. If a company finds out, you better bet those employees will be fired and most likely have charges pressed against them by the company, since the company probably had to eat the charge backs.

    If it is charges that appear on cards in your possession, I wouldn't worry about ID theft. Even so, getting a copy of your credit report is relatively inexpensive if it eases your mind. ID thieves are more likely to open new accounts with your information. Regulations require due diligence if an address doesn't match something that is on your credit report, so if it is attempted the institution would likely try to contact you at your "old" address to verify that it is a valid change.

    If you do find bogus charges on a different card and want to do a little investigation on your own behalf, check out charges from places (gas stations, restaurants, stores) where you have used each card. That can give you at least a lead of where someone might have stolen your number. This would be a big help to the bank and also give you an idea of places to possibly avoid using your cards.



  11. #11
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    Re: Stolen credit card question

    My mom has had her card stolen twice in the last few years. Each time was shortly thereafter a Amazon.com purchase. She has no proof for this, but the sad fact is it could come from anywhere



  12. #12
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    Re: Stolen credit card question

    Quote Originally Posted by kilgore_trout View Post
    does monoprice have your phone number?
    Is there a problem with Monoprice?



  13. #13
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    Re: Stolen credit card question

    That sucks, but as you can see, it happens often. Don't expect a resolution (arrest) either, as the out of state thing and relatively low dollar theft will not warrant the effort to apprehend who did it.

    Having some experience in this area, I would venture to guess that more often then not, your card was compromised somewhere in an online purchase. I would focus my energy in that area if you want to do some investigation.

    These are good resources:
    Identity Theft | Consumer Information

    Federal Trade Commission


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