Credit card fraud

[Justin Leavens]

Anyone else in the 4D world getting hit with fraud from stolen credit
card numbers? I have an Amex card that keeps getting compromised and I
only use it for a select number of charges. I come to find all these
weird charges on my account and talking to the merchants discover
email addresses set up with my name in them to order things. I cancel
the card, get a new number, and then it starts again.

I would normally chalk it up to "life" except that earlier this year
there was another 4D programmer who had fraudulent charges on his
account, and they used an email account with *my* name to place the
orders. I don't even want to guess what the odds are of that
happening, but it certainly led to an awkward phone call (thanks for
being understanding, David!).

Anyways, once again I've had to cancel my card, and I started
wondering if anyone else out there had run into anything similar. I
know fraud is rampant, but the whole business of one 4D programmer
name being used in fraud of another 4D programmer was just too weird.
I hate to think that one of the 4D vendors (or 4D) has been
compromised, but it's always possible.
--
Justin Leavens, Just In Time Consulting
justin@...
[phone] phone / [phone] fax
4822 Norwich Ave, Sherman Oaks, CA 91403
4D Consulting, Apple Consultants Network Certified Member, Reseller of
AcctVantage and JobOrder
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[George Tiller]

On 11/28/07 2:50 PM, jleavens@... wrote:

>Anyone else in the 4D world getting hit with fraud from stolen credit
>card numbers? I have an Amex card that keeps getting compromised and I
>only use it for a select number of charges. I come to find all these
>weird charges on my account and talking to the merchants discover
>email addresses set up with my name in them to order things. I cancel
>the card, get a new number, and then it starts again.
>
>I would normally chalk it up to "life" except that earlier this year
>there was another 4D programmer who had fraudulent charges on his
>account, and they used an email account with *my* name to place the
>orders. I don't even want to guess what the odds are of that
>happening, but it certainly led to an awkward phone call (thanks for
>being understanding, David!).
>
>Anyways, once again I've had to cancel my card, and I started
>wondering if anyone else out there had run into anything similar. I
>know fraud is rampant, but the whole business of one 4D programmer
>name being used in fraud of another 4D programmer was just too weird.
>I hate to think that one of the 4D vendors (or 4D) has been
>compromised, but it's always possible.

A while back, I fell for a spoof of PayPal and gave out some info that
allowed someone in Germany to buy some software with my PayPal account
(and charged to my Amex). PayPal refunded the charges to my account.
After I changed my passwords, all was well again.

I had never fallen for a spoof before, but this one hit within minutes of
my accessing and updating my PayPal account records, so my guard was
temporarily down. More and more organizations are using additional
verification methods (like responding to your User ID with a secret
picture and secret word of your choice), so this may cut down on the
spoofers' success.


George Tiller
911 East A Street
Brunswick, Maryland 21716
301-834-8170

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[Larry White-3]

What vendors do you use it with ....

I have not seen this BTW.

Cheers,
--
Larry White, P.Eng.
President & Chief Engineer
>Pelican Engineering, Inc.
>>ISO 9001:2000 registered
lwhite@...
www.pelicaneng.ca



On 11/28/07 3:50 PM, "Justin Leavens" <jleavens@...> wrote:

> Anyone else in the 4D world getting hit with fraud from stolen credit
> card numbers? I have an Amex card that keeps getting compromised and I
> only use it for a select number of charges. I come to find all these
> weird charges on my account and talking to the merchants discover
> email addresses set up with my name in them to order things. I cancel
> the card, get a new number, and then it starts again.


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[Mikey-3]

Well, you've got several possibilities:
1) Something's up at AmEx
2) Something's up with one of the vendors you're buying from
3) If you're buying online, you've been crimewared and someone has
installed a keylogger on your machine, your network, etc.

Good luck.
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[J. Todd Slack (4D, Inc.)]

Hi Justin,

One thing that my credit card does is call me if the purchase being made is:

1. out of my normal spending pattern
2. calls me if it is being used outside the country.
3. calls me if it is over a spending limit that I have specified.
4. Calls me is similar transactions are made to close together (like if
I use it at the grocery store 2 days in a row..)

Also, once after my identity was stolen the company called me for each
and every transaction. Maybe this is a good place to start. I know it is
inconvenient and holds up the transaction, but in my case they were
calling my cell phone within 30 seconds of running the transaction.

I feel for you, it took me a long time to clean up the mess it caused
me. Sadly it turned out to be my next door neighbor.

Jason

Justin Leavens wrote:

> Anyone else in the 4D world getting hit with fraud from stolen credit
> card numbers? I have an Amex card that keeps getting compromised and I
> only use it for a select number of charges. I come to find all these
> weird charges on my account and talking to the merchants discover
> email addresses set up with my name in them to order things. I cancel
> the card, get a new number, and then it starts again.
>
> I would normally chalk it up to "life" except that earlier this year
> there was another 4D programmer who had fraudulent charges on his
> account, and they used an email account with *my* name to place the
> orders. I don't even want to guess what the odds are of that
> happening, but it certainly led to an awkward phone call (thanks for
> being understanding, David!).
>
> Anyways, once again I've had to cancel my card, and I started
> wondering if anyone else out there had run into anything similar. I
> know fraud is rampant, but the whole business of one 4D programmer
> name being used in fraud of another 4D programmer was just too weird.
> I hate to think that one of the 4D vendors (or 4D) has been
> compromised, but it's always possible.

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[Bill Weale]

I stopped using PayPal 2 or 3 years ago. It never failed that, within  
24 hours of using it, I'd get a request for updated info or a warning  
that my account had been compromised. I never answered any of them  
and I never had a problem, but it was clear the service had leaches  
and, even if it was trying, it never seemed to subdue them at all/

--www


On Nov 28, 2007, at 3:09 PM, George Tiller wrote:

> A while back, I fell for a spoof of PayPal and gave out some info that
> allowed someone in Germany to buy some software with my PayPal account
> (and charged to my Amex). PayPal refunded the charges to my account.
> After I changed my passwords, all was well again.
>

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[Douglas Davis-2]

I have the google toolbar installed and it warns me when I¹ve clicked a
fraudulent link.  Not perfect but I would say it works over 90% of the time.
--
|  Douglas S. Davis - Information Systems Coordinator
|  Monical Pizza Corporation  (http://www.monicals.com)
| - - - - - - - - - -
|  815/937-1890 - Voice  .  .  .  815/937-9828 - Fax
--


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[George Tiller]

On 11/28/07 4:22 PM, Bill.Weale@... wrote:

>I stopped using PayPal 2 or 3 years ago. It never failed that, within  
>24 hours of using it, I'd get a request for updated info or a warning  
>that my account had been compromised. I never answered any of them  
>and I never had a problem, but it was clear the service had leaches  
>and, even if it was trying, it never seemed to subdue them at all/

I seldom use it myself. Only if there's no other choice, and there
usually is.


>On Nov 28, 2007, at 3:09 PM, George Tiller wrote:
>
>> A while back, I fell for a spoof of PayPal and gave out some info that
>> allowed someone in Germany to buy some software with my PayPal account
>> (and charged to my Amex). PayPal refunded the charges to my account.
>> After I changed my passwords, all was well again.



George Tiller
911 East A Street
Brunswick, Maryland 21716
301-834-8170

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[Randy Engle]

Justin,

Yes, I've seen a bit of this.

I just had to cancel a card for the second time in a couple of months.

The fraud has been odd, very small charges:  $1 and $2 to some oddball
merchants.  My CC company fraud division caught these and called me right away
about them and I wasn't charged.

Another charge was for a small but very complex technical programming book that
even got delivered to me.  The company gladly took it back and the email address
that the charge was associated with was Vietnamese.  It's hard to say if it was
accurate.

So no real damage, just a pain in having to take the time to deal with it, but
compromises seem to be more and more prevalent.  The CC companies seem to be
enhancing their fraud detection systems as well.

Life in the big city....

Randy

************************************************
Randy Engle, Creative Director
EngSoft Solutions/XC2 Software
mailto:randy.engle@...
415.258.9573 (Direct - Northern California)
503.650.5100 - (Main Office - Portland, OR)
415.258.9561 - Fax
www.xc2software.com
************************************************



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