Just missed being scammed

[red-beard]

They are still "working" me, but we will not process the transaction.

A guy calls up and wants pricing for some solar parts which we do not stock. I get a price and he says that is fine. His e-mail address is an AOL e-mail address. This strikes me as funny.

The guy sounds Asian, very broken accent. His name is "George Mason". He doesn't sound very old.

A week later, they finally contact with credit card information. It is from upstate New York with a different name. They also increased the order to 5 parts for ~$10,000.

The REALLY REALLY smells.

So, while I'm typing this, a person with a really hard to understand accent calls (sounds like they are from Africa) and says they are "Thomas O Connell", yeah he's "Irish decent". Area code on the phone number is Dallas Texas. This is the name on the credit card.

Spokeo says the above name is an 80 year old man. I was able to get a phone number and I called. I even verified the last 4 digits of the credit card. Obviously, the guy is going to cancel the card.

Holy CRAP!!!!

AND they just called me up again.

Wow.

[Geronimo '74]

Thankfully you read the warning signs correctly.
Glad for the old geezer too, old people getting scammed is just plain sad.

[Baz]

Nice work, James.

Would be interested in knowing how the elderly gentleman's card info was grabbed....

[Evans, Marv]

James. Thanks for saving another of us "old geezers" from a scam.

[Evans, Marv]

Baz. My wife & I got our credit card # scammed twice from a restaurant at a reservation. I remember at the time the card was gone for quite a while. Three days later, we got fraudulent charges on our card. I went back after the second time and looked at our charge history. The only common factor was three days after visiting the restaurant, we got fraudulent charges on the card, and was the only place on the charge history where we used our charge card twice. One of the charges was at a kid's clothing place and the second charge was from a place in LA. The credit union told me they copy/skim the number and then it is sold to another actor who sells it to people who want to charge against it. This wasn't some kind of international operation although I imagine the card number could have ended up anywhere.

[pwd72s]

Originally Posted by Evans, Marv

Baz. My wife & I got our credit card # scammed twice from a restaurant at a reservation. I remember at the time the card was gone for quite a while. Three days later, we got fraudulent charges on our card. I went back after the second time and looked at our charge history. The only common factor was three days after visiting the restaurant, we got fraudulent charges on the card, and was the only place on the charge history where we used our charge card twice. One of the charges was at a kid's clothing place and the second charge was from a place in LA. The credit union told me they copy/skim the number and then it is sold to another actor who sells it to people who want to charge against it. This wasn't some kind of international operation although I imagine the card number could have ended up anywhere.

Since having been caught up in the Target store's hacking and having to go through those hassles, we've gotten more into using a card as little as possible while carrying more cash. Yes, there is a risk there...but I tend to dress "poor"...cheap jeans, tennie runners, T or sweat shirt, cheap watch. Not likely to attract a mugger.

Eating out, I always pay cash...and NEVER let your card out of your sight..

[Evans, Marv]

Yeah, I just don't dress in much but the same type of thing and have been using cash more too. Later I told the manager of the restaurant about it and the word got around really fast.

[john70t]

Originally Posted by Baz

Would be interested in knowing how the elderly gentleman's card info was grabbed....

Not sure about computers these days...but maybe...
If he bought anything online his info might be automatically saved in a personal profile.
He clicks on an 'Important message from the IRS' email attachment, and malware or keyloggers do the rest.

A fake website might do it.
HTML, headers, and other ident info from the real website is copied over.
The guy enters his CC info onto the stranger's web page.

Card skimmers attachments on ATMs are getting more common.
They look perfect.
I've seen a store surveillance video of two guys distracting a gas station clerk and slapping a skimmer onto the front counter machine in under half a second.
Slick dance move. Middle of the day. Customers behind in plain sight.
Everyone else in line was compromised.

Credit Card phone apps and RFID chips only add insecurity...imo.

[Por_sha911]

Oh well, there goes my new boat that I was going to buy!
Glad you caught it in time.

[john70t]

I've never used Spokeo.
Is that only paid subscription? How good is it?

[pwd72s]

Originally Posted by john70t

Not sure about computers these days...but... if he bought anything online the info might be automatically saved in a person profile.
He clicks on an 'Important message from the IRS' email attachment, and malware or keyloggers do the rest.

A fake website might do it.
HTML, headers, and other ident info from the real website is copied over.
The guy enters his CC info onto the stranger's web page.

Card skimmers attachments on ATMs are getting more common.
They look perfect.
I've seen a store surveillance video of two guys distracting a gas station clerk and slapping a skimmer onto the front counter machine in under half a second.
Slick dance move. Middle of the day. Customers behind in plain sight.
Everyone else in line was compromised.

Credit Card phone apps and RFID chips only add insecurity...imo.

All of this...but other than counterfeiting, pretty hard to scam buying with cash.

[rockfan4]

Originally Posted by pwd72s

All of this...but other than counterfeiting, pretty hard to scam buying with cash.

Last week I bought fast food for lunch - the price was $7.06. I pulled out a $10, gave it to her, and then said "I think I have a dime".
This immediately freezes her, you can see the wheels turning in her head because she's already entered $10 in the register. I got back $3.03. SHE SCAMMED ME FOR A PENNY!

Actually, that was close enough and there were people behind me, so I let it slide.

[vash]

Originally Posted by rockfan4

Last week I bought fast food for lunch - the price was $7.06. I pulled out a $10, gave it to her, and then said "I think I have a dime".
This immediately freezes her, you can see the wheels turning in her head because she's already entered $10 in the register. I got back $3.03. SHE SCAMMED ME FOR A PENNY!

Actually, that was close enough and there were people behind me, so I let it slide.

see? i would have played nice and volunteered the answer.

"here the dime..now you only owe me $13.04!" (dont forget - big toothy smile)

[JackDidley]

Originally Posted by Evans, Marv

Baz. My wife & I got our credit card # scammed twice from a restaurant at a reservation. I remember at the time the card was gone for quite a while. Three days later, we got fraudulent charges on our card. I went back after the second time and looked at our charge history. The only common factor was three days after visiting the restaurant, we got fraudulent charges on the card, and was the only place on the charge history where we used our charge card twice. One of the charges was at a kid's clothing place and the second charge was from a place in LA. The credit union told me they copy/skim the number and then it is sold to another actor who sells it to people who want to charge against it. This wasn't some kind of international operation although I imagine the card number could have ended up anywhere.

Once they sell the number it could end up anywhere. First time my card got hit, charges were made in New York City and London. Second time, Utah and Paris France. I do not travel much and never outside the USA. Even though it is no big problem for me, I still hate scammers and thieves. If I had to pay for that stuff, it would be a big problem.

[masraum]

Fortunately, my CC company is tops at recognizing fraudulent charges. I really have no idea how they do it, but they do. They usually/often block the charges so I don't even have to claim them as fraudulent.

[rockfan4]

So who loses in this game?
If the CC company blocks the charges, is the merchant on the hook? Or once the credit card company sends back an "Authorized", then are they on the hook?

[legion]

Scam the scammer. Tell them that you need 10% a cash deposit on orders over $10,000.

You accept cash, FedEx.

[red-beard]

Originally Posted by john70t

I've never used Spokeo.
Is that only paid subscription? How good is it?

Yes, about $19/mth. I'm on a "free month", because I needed to find a phone number for an Amazon sale with truck shipment.

Seems to work pretty well.

[red-beard]

Originally Posted by rockfan4

So who loses in this game?
If the CC company blocks the charges, is the merchant on the hook? Or once the credit card company sends back an "Authorized", then are they on the hook?

I do! If I shipped the $10,000 worth of equipment and the Credit Card company reverses the charges, I am out $10K.

[Baz]

Originally Posted by Evans, Marv

Baz. My wife & I got our credit card # scammed twice from a restaurant at a reservation. I remember at the time the card was gone for quite a while. Three days later, we got fraudulent charges on our card. I went back after the second time and looked at our charge history. The only common factor was three days after visiting the restaurant, we got fraudulent charges on the card, and was the only place on the charge history where we used our charge card twice. One of the charges was at a kid's clothing place and the second charge was from a place in LA. The credit union told me they copy/skim the number and then it is sold to another actor who sells it to people who want to charge against it. This wasn't some kind of international operation although I imagine the card number could have ended up anywhere.

Thanks for the input, Marv...glad you were able to get that resolved! Most credit card companies these days are pretty good about helping their customers when fraudulent charges occur. Letting your card go out of sight is a terrible practice for any retailer to participate in. That would be a big red light for me. Pretty common in restaurants, i guess, which is just one reason more I'm not big on "going out" to eat.