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Identity Theft != Fun. - Larsson Log
grain of salt not included...
windexcowboy
windexcowboy
Identity Theft != Fun.
I got a courtesy call today from Fleet about a VISA card I barely use (I use my AMEX for everything, the Fleet VISA is just for use with places that don't take AMEX). They wanted to know if I decided to spend $3,000+ at a pet store yesterday (WTF!), and then another $3,000+ today on auto parts. Obviously not, so they noted the fraud and closed out that account number, and I'm going to contacted by someone from their "fraud investigation team" in the next seven days.

Now the thing is, the card wasn't stolen. I would almost feel better if it was that. At least then I'd have a good chance of knowing that all they had was the card, and now that it is canceled, I was in the clear. Unfortunately, I still have the card in my possession, which hasn't been used in a point-of-sale transaction in probably well over a year, an online transaction in over a month. I also tend to think I'm not a complete idiot with this stuff. I don't have transactions with online merchants I don't know. If I'm doing something like PayPal it's only with a "verified" account; and I destroy things like credit card access checks and card offers before throwing them out. So, I basically have no idea how the card numbers were obtained (randomly generated, stolen from my mailbox, whatever), and how much information they have. Given the stupidity of the charges ($3,000 at a pet store?), I'm hoping the thief was an idiot.

I'm assuming the worst. So I ordered a credit report from all three credit agencies which I've checked thoroughly, and ordered a monitoring service that is supposed to notify me about any substantive changes to my credit report. I've also been going through every bank and credit account I have and checking that the addresses haven't changed, and that their are no additional unknown charges. So far, so good. If anyone has gone through this sort of thing before and has any ideas what else I should be doing, I would be most grateful!!

Current Mood: worried worried

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Comments
origamislayer From: origamislayer Date: June 22nd, 2004 06:34 pm (UTC) (Link)
We had a fraud issue on our credit card. It turned out to be the food delivery guy. He was stupid enough to not use our address at Macys.com, and thus failed AVS. No idea what happened to the moron, though we did talk to a fraud investigator and everything.

I believe you can get your name on a fraud list so that they call you about every little thing concerning credit. No idea how to do it though. Google says: http://mdmd.essortment.com/preventcreditf_rlql.htm
kingfox From: kingfox Date: June 22nd, 2004 07:52 pm (UTC) (Link)
Fleet fronted the money when I got scammed recently, though it was for a smaller amount and off a debit card instead of a credit card. Just got a letter in the mail a week ago that they had confirmed it was fraud, and that the money was mine. I'm glad they called you, and I hope it gets resolved as quickly and painlessly as mine did.
daylami From: daylami Date: June 25th, 2004 07:43 pm (UTC) (Link)
Jaysis, Larssy. This kind of shit gives me the creeps! $3000 is like a Great Dane and fifteen kitty condos!

Joy and Mike have "Check ID" on the backs of their cards, after their fun with strange charges. As a precaution, ye might mark all future cards with "Check for albinism" or "Check caffeine level" or something of the like. Fuck. Other than that, I don't know... nobody would want my identity. The postmaster mailed me some information on identity theft that I was supposed to share with friends and family, but of course I didn't.
windexcowboy From: windexcowboy Date: June 25th, 2004 08:44 pm (UTC) (Link)
Yeah, I do put the Check ID on my cards next to my signature. It's a good idea. In this case, the cards wren't stolen, which is what really creaps me out, since not only don't I know how they got the card numbers, but I don't know what else they know. (SSN, bank accounts, etc.)

Yeah, and I too was wondering what the hell they purchased at a pet store. I am really hoping to find out when the fraud investigation people call me... :-)
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