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My credit card info has been stolen!

Discussion in 'The Lounge' started by 73k5blazer, May 30, 2006.

  1. 73k5blazer

    73k5blazer Unplug the matrix cable from the back of your head Premium Member

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    I just noticed 4 transactions totalling about $100 on a card I haven't used in a month. Check out this:

    05/25/06 05/25 PAYCOM.NET 800-893-8871 CA $1.00
    05/25/06 05/25 PAYCOM.NET 800-893-8871 CA $49.95
    05/25/06 05/25 WWW.SKYPE.COM INTERNET LUX $10.00
    05/28/06 05/28 PAYCOM.NET 800-893-8871 CA $39.21

    A nice little $1.00 test first....sweet system they got...
    I called the credit card company, they didn't seem too concerned about it. "Ok..we'll just close that and mail you out new cards with a new account number, anything else we can help you with today?"
    Umm..how about catching the a**wipe who used my card!!!

    They called me about 5 minutes after I called to tell me that someone just attempted to use it again for $2400 from paycom.net, just to verify that it wasn't me. I don't even know what paycom.net is!!!!

    Last place I used it was a restuarant back in early may, prior to that I ordered some truck parts back in January. Probably some a**hat at the restuarant collecting numbers and selling them. I've always maintained that online purchases are way more safe then handing your card over to some illegal working a restuarant or clown behind a desk at a hotel or something. Online purchases rarley see people, restuarants leave those reciepts laying around everywhere with your card info on them.
    That new law saying the reciept your given must have the numbers x'd out is a joke, because most places x-out your reciept, but the one they keep, the one you sign, the only one with a place to sign, the important one that goes away from your control, is still showing all the info! I could care less if the one I put in my back pocket is x'd out!

    I worked with a guy back in the late ninties who had his checkbook stolen from his car. He didn't notice for about a week and a half. In that time, somebody bought a car with a $2000 down payment, opened up three credit cards, ruined him completely for years. Credit report was wrecked. He couldn't get a car loan, refinance his house...nothing. I'd hear him fielding calls from collectors 2 years after it happened.
    I Checked my other cards and credit report, no activity, I thinks it's isolated to this card. Losers...I'm just glad I caught it before anything huge was purchased..
     
    Last edited: May 30, 2006
  2. cbbr

    cbbr 1 ton status GMOTM Winner

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    The credit card companies have gotten pretty good at noticing theft and stopping it. fortunatly they don't make you pay for the fraud.
     
  3. grimjaw

    grimjaw 1/2 ton status

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    I just Googled Paycom.net. It looks like a PayPal type thing in Europe.


    Paycom.net is an Internet Payment Service Provider (IPSP) which enables online companies to accept payments without obtaining their own merchant account. Paycom.net specializes in billing for subscription based websites, password management, fraud prevention, customer service, and innovative marketing and retention tools.
     
  4. 73k5blazer

    73k5blazer Unplug the matrix cable from the back of your head Premium Member

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    Yeah, it's a merchant service. There's tons of them around. Perfectly legal and good for small business owners. My local non-chain auto parts store guy uses a service. When I used my card there, I saw "Credit Service Internaltional" on my statement. As a merchant you pay a 1-3% transaction fee to the credit agency your customer used (Visa,MC,Amex..etc). If your doing $100k/month you might get a 1% rate, if your only doing $2k/month you get hit with like a 3% rate. So, as a merchant you may choose such a service, because they get a low rate because they process transactions from many different places, and they pass that low rate plus a small fee, to you as the small business owner. Still is way less than 3%.
    Fraudulent users know which merchants use such services and use them to make thier purchases because it's one more stop in the traceback, one more delay, one more place to have to go through.

    Yes, it's a good thing I'm not held responsible for the charges. I really wonder how far that policy goes though. if the $2400 purchase had gone through before I called to cancel that card, I have a feeling they'd have asked a few more questions.
     
  5. sweetk30

    sweetk30 professional hooker Premium Member

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    looks like you just got them stoped in time. :wink1:
     
  6. dontoe

    dontoe 3/4 ton status GMOTM Winner

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    You weren't liable for the charges, were you?
     
  7. dodgedude99

    dodgedude99 1/2 ton status

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    paycom is a internet funds type site that is usually linked to subscription type porn sites.
     
  8. 73k5blazer

    73k5blazer Unplug the matrix cable from the back of your head Premium Member

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    Nope. Not responsible. They send an affidavid which I will have to sign saying that I declare the charges were not mine.

    Yeah, I did a little more digging, paycom is the credit card processer of choice for a good percentage of porn sites. Hmmm...porn friendly......that's probably not a good thing...for me...

    Man...$2400 worth of porn...that's a lot of porn!
     
  9. uao85

    uao85 1/2 ton status

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    Yeah I had the same thing pop up on my credit card statement late last year, and I did the same thing, just called up usaa since I have a mastercard through them and told them about it since I had no idea what it was. They took off the first buck charge and then the 39 buck charge, but the next month they billed me a a few more that were like 40-something, and another for 150+. End of story, new credit card/credit card number. Goodluck, getting everything sorted out. Oh yeah I dont touch porn either so I know it wasnt that. Thats what the gf is for.

    Remington
     

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