Disney credit card fraud

[Sur]

We purchase visa gift cards for use in many of the circumstances described above. They are, however, easy to misplace if not careful.

 

[paults]

I'm OPer, what I don't understand is if by chance the store has a camera pointed at the register why can't they go after some of these people. If they know not to accept the charge why not do a follow up.

Sorry I was really talking about the person on the other side of the register get their picture

 

[AmyB2006]

Sorry I was really talking about the person on the other side of the register get their picture

I thought I answered this in my post.

If the employee is skimming right at the register they would have to do it right in front of the customer and be caught on camera, which is not likely. Crimes like this aren't happening out in the open, they're behind the scenes.

 

[paults]

I thought I answered this in my post.

If the employee is skimming right at the register they would have to do it right in front of the customer and be caught on camera, which is not likely. Crimes like this aren't happening out in the open, they're behind the scenes.

Maybe I'm missing something. I'm talking about getting a picture of the customer at the counter not the employee. The customer had my card not the employee. I never talked about skimming.

 

[AmyB2006]

Maybe I'm missing something. I'm talking about getting a picture of the customer at the counter not the employee. The customer had my card not the employee. I never talked about skimming.

Duh! Now I see what you're saying. LOL But the same answer still stands. For such a small amount, they won't do anything usually. You would have to be the one to file a police report with the jurisdiction of where the card was used (if used at an actual physical location), and pursue it that way. You would file a fraud report in NY, and have to try to get NYPD to pursue it for you. But since the cc companies don't hold you accountable for those charges, they technically become "the victim".

The cc companies just don't care, unfortunately.

Edit... The local police up there might pursue it if they had video, only because if they can catch that person, it might lead them to solving other crimes committed by that same person. Or that person might give up the person that gave him that credit card. KWIM?

 

[paults]

Duh! Now I see what you're saying. LOL But the same answer still stands. For such a small amount, they won't do anything usually. You would have to be the one to file a police report with the jurisdiction of where the card was used (if used at an actual physical location), and pursue it that way. You would file a fraud report in NY, and have to try to get NYPD to pursue it for you. But since the cc companies don't hold you accountable for those charges, they technically become "the victim".

The cc companies just don't care, unfortunately.

Edit... The local police up there might pursue it if they had video, only because if they can catch that person, it might lead them to solving other crimes committed by that same person. Or that person might give up the person that gave him that credit card. KWIM?

now we're on the same page. I don't expect anything being done.

 

[LisaS]

Years ago I got a call regarding a new credit card I had received a few months earlier. I was asked if I had bought a set of tires in NYC. I had not used my new card at all yet. They took care of the charges and closed the account. Some time later I requested a copy of my credit report (which you can get for free once a year from the credit reporting agencies). To my surprise, under my "past addresses" was an address in Brooklyn! I wrote to the credit reporting agency and had it removed from my report. I don't know if the two incidents were related or if it was just an odd coincidence but it's upsetting to see something like that in your credit report and not know how it got there. Ever since then, I make it a habit to check my credit report once a year.

 

[OhioDVC]

After using a BoA Alaska Airlines card for two weeks and about 5-6 purchases, the number was ripped off. I can't believe it happened so fast. BoA was great and got me a new card and credited the incorrect charges.

The bank thought something was funny when I charged a purchase in MS and then one hour later charged another purchase in AZ...quick thinking by BoA.

 

[DebbieB]

One time I had Chase call me and ask if I had a large order at a florist, $2,000! I said no. They said the florist was suspicious and called. So it was denied and I got a new card.

It wasn't a Chase card but one time I had used an airline card with Enterprise Car Rental at a dealership when I was getting work done on my car. The only time I had used it during that time period. A week or so later, I got a call and they said someone tried to use it for athletic equipment in New York, about $1,800. The call was on my answering machine and I thought it was a scam so I was going to ignore it. Then I decided to call the number on the back of the card and they told me they did in fact call.

 

[JoeA]

Last month my wife went to REI to buy something and the card was declined. She came out HOT at me!

We called the bank and somebody was trying to use the # in MI (we live in CO) and they declined that charge and put a hold on the card.

The scary thing is - that was her debit card!

I travel for business and the restaurants in Canada and S America all bring out the machine to your table. Really wish they would do that here in the U.S.

 

[SWofDisorder]

I really do like the chip in our EU mastercard. Because we live aboard for half the year we get to see both sides and for us the chip card is the best. The servers stand right there with a hand held device, they give it to use to put in our pin. We have yet to have a problem with the chip card, yet have had two cards in the USA compromised.

 

[bom_noite]

After using a BoA Alaska Airlines card for two weeks and about 5-6 purchases, the number was ripped off. I can't believe it happened so fast. BoA was great and got me a new card and credited the incorrect charges.

The bank thought something was funny when I charged a purchase in MS and then one hour later charged another purchase in AZ...quick thinking by BoA.

The good thing about the Credit Card Industry rules is that you are taken care of when legitimate Fraud occurs.

As a consumer - you just me diligent and check your bills closely.

I was travelling (to a funeral unfortunately) with my Aunt and while getting Gas she told me how much she loves how they now ask for your Zip Code. I told her what I will tell you:

"They are not doing that for your protection - they are doing that for their protection!"

 

[bom_noite]

After all of my rants - I think this is the true risk:

Using your newly issued Magical Wrist-band a clever thief could never commandeer your credit number (which is stored away in the background - I would assume).

On the other hand - they might be able to develop a mechanism to read your wristband and then fabricate an identical wristband.

I will be honest and tell you I know very little about what protections Disney built in to the wristband thingy - I am certain they thought about this - or maybe I am wrong.

If it is humanly possible to do this - there are very ingenious folks looking to exploit it. Will also tell you I have no idea of Visa/MC's stance on any fraud claims you would have if fraud did occur. It is not written in to their rules as far as I know.

 

[wilkeliza]

After all of my rants - I think this is the true risk:

Using your newly issued Magical Wrist-band a clever thief could never commandeer your credit number (which is stored away in the background - I would assume).

On the other hand - they might be able to develop a mechanism to read your wristband and then fabricate an identical wristband.

I will be honest and tell you I know very little about what protections Disney built in to the wristband thingy - I am certain they thought about this - or maybe I am wrong.

If it is humanly possible to do this - there are very ingenious folks looking to exploit it. Will also tell you I have no idea of Visa/MC's stance on any fraud claims you would have if fraud did occur. It is not written in to their rules as far as I know.

To do anything with a magic band they need the pin and/or ID. Cms are not suppose to give out room numbers with out an ID and are not suppose to allow password reset with out a pin. Outside of Disney all the band file would get you is the person's unique Disney ID number which is useless of property.

 

[bom_noite]

To do anything with a magic band they need the pin and/or ID. Cms are not suppose to give out room numbers with out an ID and are not suppose to allow password reset with out a pin. Outside of Disney all the band file would get you is the person's unique Disney ID number which is useless of property.

That is good to know. I meant to Caveat that we have not been down there since this was implemented - and I have done zero research on how it worked.

So, obviously someone did think about it. Sounds to me it would be pretty difficult to compromise.

 

[jerseygal]

Ours happened middle of last week! VERY UPSETTING! FEEL VIOLATED!

We use our Disney Visa a lot to take advantage of Disney Rewards.
Within about a half hour of when Visa sent the e mail, I checked my e mail about "suspected" fraud in Michigan. Because of the credit card holders "purchasing history and habits" they knew that we were not in Michigan and the transaction was denied. It was an attempted swipe in a retail establishment. Great thing is that we were contacted immediately, card was cancelled immediately after I phoned. Fraud Protection also told us of these "scamming devices" that are used...Can be "minding your own business" walking in a grocery store or mall and someone can come along side of you, use a scammer, and "scam" all the credit card numbers in your wallet...Who knows though, we had used it in a hotel previously, lots of places, restaurants...Who knows how devious THIEVES WORK?
Really was very upsetting though! In addition to the e mail, I have a "phone alert" set up on our account so we are called in addition to e mail.

Hope that it doesn't happen to anyone else; quite violating!

 

[wilkeliza]

Since this thread was brought back up I thought I would update you guys with our credit card/bank fraud woe.

DBF logged in to his online bank account and found a charge he didn't recall. It was for an online money transfer website! He often transfers money but always does it through Bank of America or paypal nothing else. Well it appears this website is rather new and the theif either got his password or CC number and used that to transfer money from DBF bank account to theirs. It was only $150 dollars but even with fraud protection and alerts nothing caught it as being suspicious. We had a fun night with friends the night before and yeah he got a little drunk but we checked all the browser histories on all the devices in the house that night and checked other accounts that we may have sent money to and came up with nothing.

Bank didn't hold us accountable and took the charge off but it was crazy and new to us.

 

[Firepath]

Just before our last WDW trip, I was reloading my two teens and my Starbucks cards so we could use them in the airports along the way (long flight). I think I put $10 or $20 on each. I loaded the first one, then the second one (using the same credit card). By the third one, I got locked down and my phone started ringing.
B of A had already caught the duplicate charge and was calling to verify if it was me! I was impressed. Also, when I'm travelling I always call the CC company before hand and tell them exactly when and where I will be travelling. They add that info to my account so I don't accidently have my card frozen.

 

[jdkdorn]

Home Depot announced that they have had a major breach, bigger than Target. If you used your cards there that may be the reason you are seein ghte activity. I got hit when target was hit but this time I am safe becasue we are saving for our Oct trip and cannot afford to spend anything right now

good luck to all who have had issues

Judy

 

[wilkeliza]

Home Depot announced that they have had a major breach, bigger than Target. If you used your cards there that may be the reason you are seein ghte activity. I got hit when target was hit but this time I am safe becasue we are saving for our Oct trip and cannot afford to spend anything right now

good luck to all who have had issues

Judy

He doesn't use his personal card at home depot since the family business has a credit card for specifically that. I will ask him though. Thanks for the heads up.