ID Theft -- Courtesy of the FAA

"Viperdoc" wrote in message
news
It may not have been the FAA- I had a call from a credit card company
regarding some fraudulent charges, and they called the same day! Some guy
bought some stuff in a Walmart in Chicago.

That was someone using YOUR card. The OP says someone got a CC using his
personal info. Recall that the topic is how the FAA made his peersonal info
available. Yet, virtually NO CC companies will give a CC without a SSN.

So, it can happen- without reading the whole thread, did you call your
credit card company and dispute the charges?

quietguy wrote:
On Jul 1, 12:37 pm, "Dennis Johnson" wrote:
I'm also confused by this. If the thief paid by credit card at a self-serve
pump, the FBO will get paid by the credit card company, no matter what.

I could understand the credit card company coming after you to pay, but that
doesn't sound like the case here. I'm with the other poster who guessed
that it's a billing error by the FBO and will be resolved on Monday.

Good Luck,
Dennis

Thanks for the kind wishes. This thing is really chapping my ass.
I'm a retired Air Force officer -- for twenty years my reputation
meant more to me than my life, and now I'm finding out that it still
may. I didn't sleep much last night.

There may not be a credit card company: crime rings manufacture pretty
good plastic blanks, complete with holograms, and they'll emboss and
encode them to your specs at, I'm told, a surprisingly low price --
especially if you're a high-volume customer. A gas-pump is a perfect
place to use such a fake.

I hope to God that this is just some innocent data-entry error. More
later.

I believe the issue can be resolved with minimal
expense and trouble.

So far, you have not been a victim of ID theft.

You may have been a victim of credit card fraud.
If the FBO verifies that a card of yours was
used, just call the 800 number on the back of
the card, explain the situation and they will
cancel it and send another one immediately. Over
the past 35 years, I've had to do this twice.
No big deal, minimal hassle.

If the FBO can't verify your credit card was
used, write a letter explaining why it wasn't you,
and send it Fedex Letter to the FBO owner. Keep
a copy and then forget about it.

"Dennis Johnson" wrote in message
. ..
I'm also confused by this. If the thief paid by credit card at a
self-serve pump, the FBO will get paid by the credit card company, no
matter what.

I could understand the credit card company coming after you to pay, but
that doesn't sound like the case here. I'm with the other poster who
guessed that it's a billing error by the FBO and will be resolved on
Monday.

Why would the FBO bill for something paid by CC (could happen, just not very
likely), as I believe that violates the rules that VISA, MC, AE, and the
rest, put down.

Dennis Johnson wrote:
I'm also confused by this. If the thief paid by credit card at a self-serve
pump, the FBO will get paid by the credit card company, no matter what.

Oh, bull****. You've never been involved in a business that takes
credit cards? While the cardholder is protected, there ain't no
such protection by the merchant. If the card was fraudulant, the
charges will be reversed and you'll pay a service fee too!

Dennis Johnson wrote:

I'm also confused by this. If the thief paid by credit card at a self-serve
pump, the FBO will get paid by the credit card company, no matter what.

Absolutely false. If you are a merchant and you accept a credit card that
proves to be fraudulent, sorry for you. The issuing bank will issue a charge
back to your bank and you will have the charges reversed. Plus you will pay a
significant charge back fee. If the situation happens automatically the fees
can go up and you can lose your merchant account.

That is why it behooves merchant to diligently check those signatures and hang
on to receipts with the signatures on them. If they accept credit cards without
signatures (e.g. at a self-fueling pump) the risks are increased and the
benefits of increased legitimate sales need to offset those risks.

Taylor Hughes wrote:

That is why it behooves merchant to diligently check those signatures
and hang on to receipts with the signatures on them. If they accept
credit cards without signatures (e.g. at a self-fueling pump) the
risks are increased and the benefits of increased legitimate sales
need to offset those risks.

Which almost none of them do. I know this because written next to my
signature on all of my cards are the words, "Check ID" in bold print. If one
were to look at the signature they could in no way miss it.

In the 15 - 20 years I have been putting this on credit and debit cards only
once has it ever been done.

Gig 601XL Builder wrote:

Taylor Hughes wrote:

That is why it behooves merchant to diligently check those signatures
and hang on to receipts with the signatures on them. If they accept
credit cards without signatures (e.g. at a self-fueling pump) the
risks are increased and the benefits of increased legitimate sales
need to offset those risks.

Which almost none of them do. I know this because written next to my
signature on all of my cards are the words, "Check ID" in bold print. If one
were to look at the signature they could in no way miss it.

In the 15 - 20 years I have been putting this on credit and debit cards only
once has it ever been done.

No argument with your observations, but sorry for the merchant who didn't bother
to check if there is a dispute.

"Taylor Hughes" wrote in message
...
Dennis Johnson wrote:

I'm also confused by this. If the thief paid by credit card at a
self-serve
pump, the FBO will get paid by the credit card company, no matter what.

Absolutely false. If you are a merchant and you accept a credit card that
proves to be fraudulent, sorry for you. The issuing bank will issue a
charge
back to your bank and you will have the charges reversed. Plus you will
pay a
significant charge back fee. If the situation happens automatically the
fees
can go up and you can lose your merchant account.

Depends on the card.


That is why it behooves merchant to diligently check those signatures and
hang
on to receipts with the signatures on them. If they accept credit cards
without
signatures (e.g. at a self-fueling pump) the risks are increased and the
benefits of increased legitimate sales need to offset those risks.

So which is it? Signed or swiped?

How about if they accept a fraudulently issued card?

Remember, the topic was (originally) a falsely obtained card, not a stolen
one (of course, the OP meandered back and forth so many times...).

Matt Barrow wrote:

"Taylor Hughes" wrote in message
...
Dennis Johnson wrote:

I'm also confused by this. If the thief paid by credit card at a
self-serve
pump, the FBO will get paid by the credit card company, no matter what.

Absolutely false. If you are a merchant and you accept a credit card that
proves to be fraudulent, sorry for you. The issuing bank will issue a
charge
back to your bank and you will have the charges reversed. Plus you will
pay a
significant charge back fee. If the situation happens automatically the
fees
can go up and you can lose your merchant account.

Depends on the card.

Not really.





That is why it behooves merchant to diligently check those signatures and
hang
on to receipts with the signatures on them. If they accept credit cards
without
signatures (e.g. at a self-fueling pump) the risks are increased and the
benefits of increased legitimate sales need to offset those risks.

So which is it? Signed or swiped?

Very rarely are cards accepted in person (e.g. not online/phone order) with a
signature that haven't been swiped. This is usually only permissible if the mag
strip can't be read for some reason. A few merchant cat. codes require swiping.



How about if they accept a fraudulently issued card?

The proof is in the pudding.



Remember, the topic was (originally) a falsely obtained card, not a stolen
one (of course, the OP meandered back and forth so many times...).

I read the whole thread and it wasn't clear to me that a card had been obtained
falsely.

On Sun, 01 Jul 2007 07:30:06 -0700, quietguy wrote:

Correct -- as I've since found out. I'm learning more by the minute
about ID theft and its repercussions.

We have several "rainy day" credit cards in a safety deposit box at the
bank that we have *never* used.

Imagine my surprise when I got home from vacation in February to find my
message machine contained 2 automated suspected fraud calls on two of those
cards.

Phone calls revealed two $300 internet charges to cell phone vendors on one
card and one $200 internet charge to another cell phone vendor on an other
card.

My best guess is that someone pulled a credit report on me and used the
printed card numbers off of it.

So... try as you might... you can't get away from these scum.

--
Dallas