Credit Card Fraud

[JoiseyMom]

If you are going to go to the effort of stealing a person's credit card number, why would you then use it to pay your cable bill??

I mean, the cc company will find out who you are.

I guess it could have been worse, it was only 1 charge.

 

[dodukes]

That's absolutely hilarious ....I mean I know not really but u know what I mean. And yes I don't get that. Maybe the person figured it wouldn't be seen if it was cable that you'd probably have it too??

 

[dislaney]

If your going to be that dumb, at least pay your car payment or mortgage! Sorry that happened to you!

 

[JoiseyMom]

Well we have a bunch of cable companies in NJ, and that is not one of mine, even if we wanted them. Hey, their cable bill is cheaper then mine too!! LOL!! We have fios and it is bundled with 3 cell phones and my land line, so my bill is very pricey every month!

DH and I were laughing over it. THey are sending him a new card.

I mean someone tried this with my Disney Visa once...but it was a test charge, for like 12 cents!! So we immediatley cancelled...but that made more sense, cause someone might over look that!!

Sorry...but I go over each and every charge on my cards every month!! I would have caught this sooner, but it is DH's Amex, and I can't see his charges until I open the bill!! LOL!!

 

[SandrA9810]

LOL. I know some one that had their bills stolen out of the mailbox. They decided to do a balance transfer and buy a few plane tickets. Seriously??

 

[JoiseyMom]

LOL. I know some one that had their bills stolen out of the mailbox. They decided to do a balance transfer and buy a few plane tickets. Seriously??

Dumbest thieves!!

 

[sunnyday123]

If you are going to go to the effort of stealing a person's credit card number, why would you then use it to pay your cable bill??

I mean, the cc company will find out who you are.

I guess it could have been worse, it was only 1 charge.

Probably because they know the CC company won't do anything about it. I see this all day long, and we simply charge it back ( take the money out of their account) to the company that originated the charge. They may pursue it, they may not. A lot of cc #'s are one digit from another in difference, and they do get mixed up often.

And sometimes people are just plain stupid.

 

[JoiseyMom]

Probably because they know the CC company won't do anything about it. I see this all day long, and we simply charge it back ( take the money out of their account) to the company that originated the charge. They may pursue it, they may not. A lot of cc #'s are one digit from another in difference, and they do get mixed up often.

And sometimes people are just plain stupid.

Seriously?? That is sad that they don't go after them. I guess for one charge. Amex will get their money back from Comcast, and Comcast will contact the customer that they need to repay...and the customer will steal someone else's credit card.

 

[cm8]

If you are going to go to the effort of stealing a person's credit card number, why would you then use it to pay your cable bill??

I mean, the cc company will find out who you are.

I guess it could have been worse, it was only 1 charge.

They were probably hoping you wouldn't find out, but yes, thank goodness it was only one charge

 

[Cheshire Figment]

A lot of cc #'s are one digit from another in difference, and they do get mixed up often.

This is not correct. All credit cards are set up with the last digit being a "check digit". Also on checks the bank routing identifier has the last digit as a check digit, and many bank account numbers are set up that way. As well as other account numbers.

Basically there is a three digit rotating sequence, generally 3-7-1. The 1st, 4th, 7th (etc) digit is multiplied by 3. The 2nd, 5th, 8th (etc) is multiplied by 7. The 3rd, 6th, 9th (etc) are multiplied by 1. This is done to all but the last number in a string. All of the results are added up. The last digit in the string is what it will take for the sum of all the numbers, done this way, to end up as a multiple of 10.

So the way this is designed putting an incorrect digit in a number, or switching two numbers next to each other, will throw off the computation and so the sum will not end up correctly.

Basically all programs which use account numbers have this built into them to immediately tell if an incorrect number has been used. It is possible to fool the system, but you have to work at it; a simple slip will be rejected.

 

[Acklander]

LOL. I know some one that had their bills stolen out of the mailbox. They decided to do a balance transfer and buy a few plane tickets. Seriously??

I've heard of that, but that the tickets were then sold on craigslist. Same with gift cards.

 

[barkley]

Dumbest thieves!!

another nominee for this category would be the idiot teen who stole my co-worker's car. coworker had a trashed up vw bug he purposely never fixed up because we worked in a terrible area. the car was stolen and co-worker figured it ended up in a chop shop for parts.

nope.


idiot teen who was working a legitimate job to save for a car decided he could'nt afford both a car and the pricey toys he would want to go in it. so-he personaly stole co-workers car and manged to hold on to it for 6 months before he got caught (got caught trying to insure it "because it's illegal to drive without insurance"). when co-worker got it back it had a new custom paint job, new tires and pricey rims, reupholstered seats a very top of the line stereo, AND a security system. the receipts from all the repairs/items were verified as having been paid for through teen's legit earnings so they all remained in place when co-worker got the car back.

 

[sunnyday123]

This is not correct. All credit cards are set up with the last digit being a "check digit". Also on checks the bank routing identifier has the last digit as a check digit, and many bank account numbers are set up that way. As well as other account numbers.

Basically there is a three digit rotating sequence, generally 3-7-1. The 1st, 4th, 7th (etc) digit is multiplied by 3. The 2nd, 5th, 8th (etc) is multiplied by 7. The 3rd, 6th, 9th (etc) are multiplied by 1. This is done to all but the last number in a string. All of the results are added up. The last digit in the string is what it will take for the sum of all the numbers, done this way, to end up as a multiple of 10.

So the way this is designed putting an incorrect digit in a number, or switching two numbers next to each other, will throw off the computation and so the sum will not end up correctly.

Basically all programs which use account numbers have this built into them to immediately tell if an incorrect number has been used. It is possible to fool the system, but you have to work at it; a simple slip will be rejected.

I've done this for 16 years, and that is a reason charges appear on someone elses account.

Also, the cable company themselves could've switched the numbers. Typically if there is only one charge, you've either got someone desperate to pay their cable bill, or a mix-up somewhere.

But either way, the bank won't go after that person unless , well usually not often. It's just not worth the effort. Plus, we're usually too busy getting sued by customers.

 

[ilovejack02]

I had a person buy tickets on my credit card to a Monster Truck event and left them at will call for pick up .

Really ????!!!! Police were waiting to pick up the person on night of event .


I think the funniest part of it all is my husband asking me , "are you SURE you didn't buy the tickets.?"

The event was in Canada and we live in Louisiana .

 

[SandrA9810]

another nominee for this category would be the idiot teen who stole my co-worker's car. coworker had a trashed up vw bug he purposely never fixed up because we worked in a terrible area. the car was stolen and co-worker figured it ended up in a chop shop for parts.

nope.


idiot teen who was working a legitimate job to save for a car decided he could'nt afford both a car and the pricey toys he would want to go in it. so-he personaly stole co-workers car and manged to hold on to it for 6 months before he got caught (got caught trying to insure it "because it's illegal to drive without insurance"). when co-worker got it back it had a new custom paint job, new tires and pricey rims, reupholstered seats a very top of the line stereo, AND a security system. the receipts from all the repairs/items were verified as having been paid for through teen's legit earnings so they all remained in place when co-worker got the car back.

That's awesome. Did the kid think the co-worker wouldn't report it stolen or something?? Did he not realize each vin number is unique??

So does the co-worker still drive the supped up bug to work??

 

[barkley]

That's awesome. Did the kid think the co-worker wouldn't report it stolen or something?? Did he not realize each vin number is unique??

So does the co-worker still drive the supped up bug to work??

i don't know what the kid was thinking.

co-worker brought the bug to work once so we could all see the new and improved "stink bug" (as we had referred to it), then he continued using the junker he had replaced stink bug with (but he joked about how he wished he had replaced stink bug with something more classic in case another like minded teen stole it).

 

[PrincessBelle39]

I lost my purse. I left it on the roof of my car and drove off. Stupid, I know. Within 1/2 hour of realising it was lost, i cancelled it as i knew what i had done. The person that found it paid their telephone bill amongst other things. The telephone company, of course, knew who it was. Not even the police could get this information. They would have to have put in an application that would take approx. a month to assess, that would them most likely be declined due to the privacy act. Very frustrating that they just got away with it when it was obvious who it was. Not much of an incentive to them to do the right thing next time.

 

[Belle2667]

Another dumb criminal here....

In our local news, some guy had stolen credit cards.

He charged almost $60,000 at BJs and Sams Club. He used his own ID card to make the purchases. Duh!

 

[Geoff_M]

Another great dumb thieves story, a couple of years ago there was a retail chain here in Michigan with gas stations at some of their locations. Some one realized that there was a glitch in the pumps' pay-at-the-pump software and the pumps would "accept" any plastic card with a magnetic strip on it. Word spread across several counties about this "trick" to turn on the pumps and steal gas at this retailer's stations. Here's the thing, the #1 non-CC card that the thieves used at these pumps was a Michigan driver's license. They were too stupid to think that when they used their DL to steal gas, the pump's software recorded the DL#!!! After the glitch was discovered, the retailer called the State Police. The police announced the scam had been uncovered and they had all of the DL numbers that had been used to steal gas. They offered a short grace period where people could come forward and pay the retailer the amount owed... and arrest warrants would be issued after that!

 

[FergieTCat]

I once had someone use my cc# to open a Netflix account. Even the cc Representative couldn't believe someone would be that stupid.