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Post by rockyraccoon on Jan 27, 2006 0:24:29 GMT -5
i opened my credit card bill and there was a charge for $9.95 but i haven't charged anything. so i called the 800# out beside who it said the charge was made to. i got a company in california that called themselves cic credit monitoring services. they said they needed my credit card # to look up the "account". i said i don't have an account, someone has made an unauthorized charge on my card. she kept saying she needed my credit card # to look up and cancel the account and i told her as far as i knew they were a fraudulent company making the fraudulent charge and i wasn't giving her my cc# and wanted to know what kind of company they were and what someone would have purchased from them. well this went back and forth and she hung up on me!! so i called my credit card company and told them and said i wanted to dispute the charge. well they gave me the run around too saying i would have to call and give the company my credit card # to cancel the subscription that i had not ordered!! so i called the place back, got a different lady, gave her the info, cancelled the "subscription" and she told me someone named don bolt had made the charge to get his credit info not mine and i would have to file a police report to get more info on where this report was sent, blah, blah, blah......so i called and cancelled my credit cards and will file a police report. then i did a search on cic credit monitoring and this is what i got www.antionline.com/showthread.php?s=1e5dbbb1bc7fe802eecb33de89be6547&threadid=261471www.ripoffreport.com/reports/ripoff149447.htmbeware and watch for this! kim |
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Post by parfive on Jan 27, 2006 0:46:39 GMT -5
Those posts date back to August 2004!
And no one's choked those bastards yet?
Good law enforcement and regulatory action in all this time.
You'd think it would be in the credit card industry's interest to help stop this crap.
How many disputed charges does it take?
Rich
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thehawke
freely admits to licking rocks
My Lord and Master
Member since January 2006
Posts: 866
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Post by thehawke on Jan 27, 2006 1:04:07 GMT -5
If someone tried to steal my identity, they'd be in for a very rude surprise. Not the type of wanted for warrants type of surprise. But my credit is so totally in the crapper they wouldn't get very far.
Not to mention I watch my bank account and my one credit card account like a hawke. I hope you get your money back. I hate unscrupulous businesses.
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Post by Tweetiepy on Jan 27, 2006 8:06:31 GMT -5
CAn I ask a question regarding something like this? `When you order something and give your credit card information over the phone, should you give that 3 digit PIN on the back? Why would someone need that? Is it safe to give that out? I read somewhere that you shouldn't give it out - then what's the use of having it there?
Kim I hope you get your money back - kinda stupid that you'd have to contact the person who charged your card if you're trying to get your money back - if they fraudulently charged your card, why would the reimburse you if they swindled you in the first place??
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Post by pho on Jan 27, 2006 9:24:26 GMT -5
Pop the ba****ds in the head witha big rock Kim....and then smack them with a 2X4 just for giggles.
It is a shame that people have to go thru so much hell to fix someone's problems for them. Take it all the way Kim...don't let them get away with this. Push..Push...Push.
Pho
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Post by akansan on Jan 27, 2006 9:25:26 GMT -5
The 3 digit pin on the back is supposed to be an added security measure -- if you have the card to turn it over and see the back, then the card must be yours.
This was originally intended as a prevention from people who had only seen the front of the card from swiping your information. So online retailers that require it are convinced you have all the card details in front of you = you have possession of the card = it's a legitimate charge.
And as for CiC Credit Monitoring...that's the company I received a "free rebate" check in the mail from yesterday. If I wrote my credit card information on the back of the check, they'd let me cash the $3.95 check, open an account with them, send me another credit card OFFER, and watch my credit cards for fraudulent charges...all for the one time, annual charge of $89.95.
I threw that wonderful offer in the trash.
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drupe
fully equipped rock polisher
Member since September 2005
Posts: 1,245
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Post by drupe on Jan 27, 2006 10:30:58 GMT -5
Kim
Real sorry that this scam bit you in the pocketbook. This kind of crap is getting to be a way of life. It is getting so bad that I canceled all my cards except Amex. They seem to care just a little more than the others. Amex called to see if I made a charge in Ohio since they know I
live in MS. When I said I had not been out of the state in a couple of years they canceled the charge and my card, reissued the card that I received two days later.
Hope the a-holes that riped you get to do some time and find a nice big lifer as their cellmate.
Pete
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Post by Alice on Jan 27, 2006 11:00:08 GMT -5
CAn I ask a question regarding something like this? `When you order something and give your credit card information over the phone, should you give that 3 digit PIN on the back? Why would someone need that? Is it safe to give that out? I read somewhere that you shouldn't give it out - then what's the use of having it there? Kim I hope you get your money back - kinda stupid that you'd have to contact the person who charged your card if you're trying to get your money back - if they fraudulently charged your card, why would the reimburse you if they swindled you in the first place?? They need that number to authorize your card sometimes Tweeite. Sometimes your credit card company will not let a company charge the card if everything doesn't match up (like your exact billing address, and the 3 digits on the back). It's for cross reference really. I never went through something like this (knock on wood). The only thing I went through as far as disputing a charge was a wrong amount was charged to me. The credit card bill which I signed was something like $130, and when I got my statement, I was charged $160. I called the dispute center at my credit card company. I had to fax them the receipt that I signed, then got credited my $30 back. |
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shyhobbit
starting to shine!
Member since October 2005
Posts: 38
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Post by shyhobbit on Jan 27, 2006 11:31:11 GMT -5
I got a phone call at work once, and the person said that they had seen 'unusual activity' on my credit card. Turns out I had never gotten a credit card from that company. So I told that person to cancel it immediately and they told me it had to be in writing. I asked her what was wrong with her hearing. The balance was over $2 thousand. So after our conversation was over, I called the number she gave me and got the same run around. By then, the balance was over $4 thousand. My voice was getting louder by the minute. Then I called then next phone number. . . By the end of the day, the card balance was over $5,000 and I was screaming. I finally got the case resolved. Turns out that someone who worked for social security had sold information on thousands of people to some fraudsters. So someone rang up over $18,600 in charges in my name in less than 3 days on a card with a $5,000 limit. I didn't even have to pay the $50 minimum 'I lost my card' fine. But my blood pressure was in trouble for a long time. I got the statement of charges. 'Unusual activity' = charging $800 in Home Depot in Virginia, then $800 again in DC and then $800 again in Maryland, all on the same day. Gee, yah think?   I did tell the investigators that they always fueled up their car at the same gas station. Hope they caught them. Would have loved to have seen it. ;D |
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Post by stoner on Jan 28, 2006 21:34:47 GMT -5
My wife and I were lucky. We got a letter from the County superior court telling us that so and so was being sentenced on such and such date and to call this number and talk to an investigator. So we called and found out that they had arrested some guy and in his trunk they found credit card apps with my wife's name on them and a driver's licsence with her name and some other woman's pic on it. But she still had to notify all the reporting agencies, DMV, and because she has a security clearance where she works, had to deal with DOD also. Pain in the ass.
Give 'em Hell Kim.
Ed
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Post by rockds on Jan 30, 2006 17:49:42 GMT -5
The wife and I had a problem several yrs ago (don't remember the company) but after the usual run around with company and the credit card company - we cancelled the credit card. Best way to stop this type of stuff from happening is to make sure the middle man pays (credit company) then they will police there charges and put a stop to it. We deal with Merril Lynch now and they are almost over protective.
robert
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Post by Alice on Jan 30, 2006 18:33:44 GMT -5
I got a phone call at work once, and the person said that they had seen 'unusual activity' on my credit card. Turns out I had never gotten a credit card from that company. So I told that person to cancel it immediately and they told me it had to be in writing. I asked her what was wrong with her hearing. The balance was over $2 thousand. So after our conversation was over, I called the number she gave me and got the same run around. By then, the balance was over $4 thousand. My voice was getting louder by the minute. Then I called then next phone number. . . By the end of the day, the card balance was over $5,000 and I was screaming. I finally got the case resolved. Turns out that someone who worked for social security had sold information on thousands of people to some fraudsters. So someone rang up over $18,600 in charges in my name in less than 3 days on a card with a $5,000 limit. I didn't even have to pay the $50 minimum 'I lost my card' fine. But my blood pressure was in trouble for a long time. I got the statement of charges. 'Unusual activity' = charging $800 in Home Depot in Virginia, then $800 again in DC and then $800 again in Maryland, all on the same day. Gee, yah think? I did tell the investigators that they always fueled up their car at the same gas station. Hope they caught them. Would have loved to have seen it. ;D When ever we get a new card we have to activate it by calling the credit card company, where they ask you all sorts of questions along with passwords only you would know to make sure you are the rightful owner of the card. You can't charge a penny to the card unless it's been activated. How can someone charge your card when it hasn't been activated by you? Someone out there must have all your info along with all your passwords, all the numbers of your other cards, where you used to live, your electric bill account number, etc... |
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Post by akansan on Jan 31, 2006 16:44:52 GMT -5
There are some cards out there that require NO activation. I get about one of them a year - just take them from the envelope and they are automatically ready to use! And if you don't shred them or cut them up or destroy them in some way, they are also all ready for someone else to use...
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Post by Alice on Jan 31, 2006 17:15:22 GMT -5
That's just not right.
How can they send you a card without asking your permission first? Especially through the mail (often times cards get lost in the mail or the mail man delivers to the wrong address).
They're making you responsible for a card you never asked for.
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Post by akansan on Jan 31, 2006 17:22:40 GMT -5
LOL - because when I was young and stupid and in college I applied for every credit card under the sun. I even used some of them. It seems the more credit cards you own, the more credit card offers you get...
The offers and "freebie" cards have toned down quite a bit now that I'm not taking every one that comes my way. About four years ago I was receiving one of those cards every 4 months or so...
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stefan
Cave Dweller 
Member since January 2005
Posts: 14,113
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Post by stefan on Feb 1, 2006 15:40:36 GMT -5
Almost got nailed by them once- Thank goodness my CC company has a no dispute hassle- I just called and froze the charge- they investigated (th CC company) and I never heard back from em - Gotta watch them closly!!! Tweet the 3 digit number is a security measure- When you call in a card they use that number (ccv2 is what it is called) as a double check- and they (the credit card company) charges the merchant less money (a savings of .03 to .10 cents per transaction) Companies love it cause the make more money- CC companies like it because there is a lot less fraud-
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thehawke
freely admits to licking rocks
My Lord and Master
Member since January 2006
Posts: 866
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Post by thehawke on Feb 1, 2006 17:45:39 GMT -5
I just got a charge reversed on my Paypal card. And a new debit card with a different number to boot.
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Post by Cher on Feb 1, 2006 19:23:08 GMT -5
Kim, have you been able to get any response yet? I remember one time I let my daughter use my card to order something off of tv. When the bill came, there was an additional charge for $98 to sign up for something for a year with a phone number beside it. I called and raised hell with them and they cancelled it immediately. I've learned when you see something on tv if you order, make sure you tell them ONLY THE ITEM ON TV ... you don't want any thing else from them.
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KG1960
has rocks in the head
Member since August 2008
Posts: 512
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Post by KG1960 on Feb 1, 2006 21:55:15 GMT -5
This is somewhat related. I was getting 5 or 6 credit offers a week. There's a 800 number usually printed on the bottom somewhere in small type that you can call to get the credit bureaus from giving out your name to credit card companies. I tried it but unfortunately it was an automated system and was not very user friendly and I couldn't get it to work. There also was a web address so one could do it online. I have noticed a significant drop in the number of credit offers that I was getting. Here's the address: www.optoutprescreen.com |
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