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Re: Credit Card Fraud
[Re: d_fish]
#102774
07/13/2016 07:29 PM
07/13/2016 07:29 PM
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Joined: Mar 2008
Posts: 8,530 Ya never know...
HillsideView
Traveler
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Traveler
Joined: Mar 2008
Posts: 8,530
Ya never know...
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Always pay cash at the ferry. Your cc info is on the street before you board the boat.
My foot fits right into my shoe and my shoe will fit right into your...
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Re: Credit Card Fraud
[Re: d_fish]
#102779
07/13/2016 10:12 PM
07/13/2016 10:12 PM
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Joined: Nov 2014
Posts: 1,049
StormJib
Traveler
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Traveler
Joined: Nov 2014
Posts: 1,049
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d_fish said: What shocks me is that the perp could not answer the personal security key correctly - which was mothers maiden name and AMEX still sent out a replacement card. Who forgets their mothers maiden name - Red Flag Alert!!
I am sure AMEX most likely resorted to asking easier questions such as DOB, place of birth or zip code which would be contained in other forms of ID they would have had access to.
Not sure where the new card is being shipped to as AMEX will not divulge the information but at least it is cancelled. If they only made the attempt to ship a new card to the member but never completed the activation the AMEX security magic all worked. With local cooperation AMEX security also may have tracked this all the way to the perpetrator. AMEX will go to great lenghts to get to the root of fraud.
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Re: Credit Card Fraud
[Re: d_fish]
#102780
07/14/2016 10:46 AM
07/14/2016 10:46 AM
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Joined: May 2008
Posts: 857
Cleobeach
Traveler
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Traveler
Joined: May 2008
Posts: 857
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d_fish said: We just returned from BVIs 3 days ago and had a fabulous time. Trip Observation Report forthcoming.
In the meantime, I remember a recent thread on credit card fraud on cards used while vacationing in the BVIs.
Today I noticed fraudulent activity on one of the cards we used while vacationing. We only used this particular card approximately 3 times (AMEX and not readily accepted).
In any event for those whom encountered credit card fraud, what type of fraud and what did you do to resolve?
The fraud that happened to us is a new card was requested to be fedex-ed overnight as our card had been "lost". Fortunately I was alerted by email that our new card request had been processed and the card was on its way.
I called the credit card company immediately to report we did not report a lost card nor did we request a new card.
In order to request a new card (and convince the credit card company they were the owner of the card) the perpetrator would have to have personal information such as an address and DOB. This information was provided to one or possibly 2 vendors on this trip.
Has anyone else experienced this type of fraud? Are you sure the emails came from AMEX? I ask because we have received some amazingly real looking emails from AMEX that were actually fishing (am I using the right term?). Rough guess is we received 5-6 over the past three months. (I forward them all to Amex's fraud department) One was asking me to approve a request for an additional card for "Joe", who is an employee of our company. Whoever did this was clever enough to obtain his name. Our card numbers were stolen twice. Both times Amex caught it immediately and the only inconvenience to us was signing the new cards. And once I had to do a three-way call with AMEX and a police officer filing charges against someone using the stolen card. (a duplicate, not the actual original card.)
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Re: Credit Card Fraud
[Re: d_fish]
#102781
07/14/2016 02:22 PM
07/14/2016 02:22 PM
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Joined: Jul 2016
Posts: 3
sailingbvi15
Member
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Member
Joined: Jul 2016
Posts: 3
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No problems so far in the BVI....bareboating two weeks now for 14 different sailing vacations over 32 years.
Thanks for the heads up on Cane Garden Bay, and the BVI,
We just use cash, yankee green. Also, we do not use our credit card or debit on a constant basis on the mainland. The reason being we were hacked while living on Kauai Island for 9 years...now back in Dana Point, ca.
This was a debit card, and the bank card company called us for unusual activity, Belgium, New Jersey and some of the southern states.
We reacted immediately, headed to the bank, they stopped all of the charges, some for over $ 1000.00. So now we are very cautious about using either card, debit or credit except for travel companies, airlines, etc.
Too bad that things have gotten to this point, but we do what we all feel comfortable with.
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Re: Credit Card Fraud
[Re: sailingbvi15]
#102782
07/14/2016 03:20 PM
07/14/2016 03:20 PM
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Joined: Aug 2000
Posts: 83,107 Central Florida!
Carol_Hill
Traveler
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Traveler
Joined: Aug 2000
Posts: 83,107
Central Florida!
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Debit cards are VERY dangerous, if there are unauthorized charges. We don't ever carry a debit card..
Carol Hill
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Re: Credit Card Fraud
[Re: d_fish]
#102785
07/14/2016 06:21 PM
07/14/2016 06:21 PM
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Joined: May 2014
Posts: 109 Bozeman / Minneapolis
snowdog
Traveler
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Traveler
Joined: May 2014
Posts: 109
Bozeman / Minneapolis
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I treat my credit cards like tools -- I have six cards and they each have a specific job to do. I use one card for travelling overseas. I use a second card for recurring charges (eg monthly utilities). I use a third card only for online retail transactions (eg Amazon). A forth is for business use only.... etc Frankly I am not really concerned about fraud. It is easy to watch the charges and I am not liable for charges I did not authorize. If a card is compromised, it only inconveniences a small portion of my financial life. Subsequently it doesn't really concern me to use a card at the Ferry or any other establishment in the islands. I never, ever, use a debit card.
Also, the advice on phishing emails is dead on. If you are not familiar with this fraud approach, please read more online.
Last edited by snowdog; 07/14/2016 06:23 PM.
s/v Snow Dog - Leopard 46
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Re: Credit Card Fraud
[Re: snowdog]
#102786
07/14/2016 10:52 PM
07/14/2016 10:52 PM
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Joined: Jan 2004
Posts: 331 Deep East Texas
Ontheboat
Traveler
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Traveler
Joined: Jan 2004
Posts: 331
Deep East Texas
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Snowdog: Your approach is dead-on correct. Separating CC's to specific functions both narrows down possible fraud, but also allows you to control the attack. When you receive an email that might be "phishing", simply put your mouse over the link and let it pop up what the link is really pointing to (if your email will do that). The text you see in a link, with an underline, is simply text...it's not necessarily where the link will send you. My advise: If your CC sends you and email directing you to log onto their site: Don't click the link. Instead, go to your browser, and manually enter the website address where you want to go ( www.chase.com, www.americanexpress.com, etc) and log in. That way, you know you are going to the real site. We've been lucky in the BVI's. No CC issues. Worst we had was attempting to use an ATM outside Bobby's years ago and the bills were stuck together, so the machine would not spit them out. We called that bank and they killed the transaction.
Capt D (Caribguy) s/v Mollie Jean "When I go to heaven, I want to go from the islands..it's closer"
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Re: Credit Card Fraud
[Re: mattt]
#102789
07/17/2016 06:45 PM
07/17/2016 06:45 PM
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Joined: Feb 2014
Posts: 80 Seattle, WA
mattt
Traveler
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Traveler
Joined: Feb 2014
Posts: 80
Seattle, WA
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mattt said: We had a bunch of fraudulent charges on a card when we were in BVI. We had never used the card before, so it was definitely stolen in BVI.
I didn't post about it because I thought maybe it was a one-off, but I'd be happy to post which businesses I used the card with. Also, sadly, I should add that I didn't take the ferry or go to any sketchy places. My card was definitely stolen at one of the respectable places the TTOL crowd frequents, because those were the only places we went to. Makes me pretty sad.
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Re: Credit Card Fraud
[Re: mattt]
#102792
07/18/2016 01:16 AM
07/18/2016 01:16 AM
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Joined: Feb 2014
Posts: 80 Seattle, WA
mattt
Traveler
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Traveler
Joined: Feb 2014
Posts: 80
Seattle, WA
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mattt said: OK. These are the places we used our card:
Tico The ATM in front of Riteway Riteway ALGLINK (boat wifi) French Deli Cooper Island Beach Club Leverick Bay Marina The Restaurant at Leverick Bay Cow Wreck Beach Neptunes Treasure Anegada Reef Hotel (an impression was made of the card here)
These were the only charges made before the fraudulent charges started showing up. Also, this card was used for the damage deposit at BVIYC This bums me out, I want to believe all these places are trustworthy. But somewhere, one of them stole my card.
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Re: Credit Card Fraud
[Re: Cleobeach]
#102798
07/18/2016 11:16 AM
07/18/2016 11:16 AM
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Joined: Dec 2004
Posts: 1,173 Rincón PR
casailor53
Traveler
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Traveler
Joined: Dec 2004
Posts: 1,173
Rincón PR
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Cleobeach said: Just curious, was it a bank ATM or one of those independent ones? Its fairly easy to lift numbers off ATMS. It said the ATM in front of RiteWay. Assuming that's the big RiteWay in Pasea Estate, it's a Scotia Bank ATM.
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Re: Credit Card Fraud
[Re: Sunnykm]
#102799
07/18/2016 11:20 AM
07/18/2016 11:20 AM
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Joined: Jul 2007
Posts: 306 Tustin CA
d_fish
OP
Traveler
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OP
Traveler
Joined: Jul 2007
Posts: 306
Tustin CA
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Our card had a chip. However it wasn't used. Someone called into AMEX and reported the card lost. They requested a replacement card. They had enough information about my husband to fool AMEX into sending a card.
Maybe this is a new technique, hoping that they can receive a new card and use it before the card holder notices.
In any event, I have placed security alerts on all our credit cards. A great feature AMEX offers is a text message alerting you to your card not being present when used and who the merchant is. Visa also text messages me my balance every day so that I can keep track of expenditures.
Last edited by d_fish; 07/18/2016 11:21 AM.
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Re: Credit Card Fraud
[Re: Sunnykm]
#102802
07/19/2016 03:14 AM
07/19/2016 03:14 AM
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Joined: Sep 2002
Posts: 4,009 U.K. and Spain
Jeannius
Traveler
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Traveler
Joined: Sep 2002
Posts: 4,009
U.K. and Spain
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Sunnykm said: Did the credit card have a chip?
Has anyone had any fraud on an chip enabled credit card? I am hoping the chip/pin will provide needed security to prevent lifting the number. Chip and Pin solves some problems but not all. If someone gets the card in their hand they can read the security code on the back and then use the card details to buy stuff from, for instance web sites. Make sure you keep hold of your card at all times. Make them bring the machine to you or go to where the reader is located and put the card in yourself. We've had chip and pin cards for years in Europe but we still have credit card fraud. P.S. Never yet happened to me despite spending years in the BVI and other more remote parts of the World.
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Re: Credit Card Fraud
[Re: GeorgeC1]
#102804
07/20/2016 03:29 AM
07/20/2016 03:29 AM
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Joined: Sep 2002
Posts: 4,009 U.K. and Spain
Jeannius
Traveler
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Traveler
Joined: Sep 2002
Posts: 4,009
U.K. and Spain
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GeorgeC1 said: I don't personally due this but I know several people who either take a pic of the card or write the security code down. They then black it out on the card. G Very good idea George <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" />
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Re: Credit Card Fraud
[Re: d_fish]
#102807
07/20/2016 06:23 PM
07/20/2016 06:23 PM
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Joined: Feb 2006
Posts: 1,026 Mobile & Orange Beach, Alabama...
LastMango
Traveler
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Traveler
Joined: Feb 2006
Posts: 1,026
Mobile & Orange Beach, Alabama...
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It is always the merchant who ends up paying (by lost goods and services) for the fraudulent use of the card. My company has learned how to prevent it through the school of hard knocks, but many establishments don't employ robust prevention methods and that just allows the abuse to continue.
It must be time to race again. My wounds have started to heal.
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