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Author: Subject: CREDIT CARD FRAUD
bajajazz
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posted on 1-15-2011 at 05:05 PM Reply With Quote
CREDIT CARD FRAUD



Returning to BCS on a recent trip north, we used a credit card to pay for two nights of lodging at the Lazy 8 Motel in Tucson ("Tucson's Cleanest Budget Motel" -- not) and the Mulege Hotel in, of course, Mulege.

One of these two establishments used our card information to make whopping purchases (of furniture, we think) and maxxed out our card, a fact we discovered when it came time to use it again. Our bank immediately removed the fraudulent charges but we're still waiting for a new card to be reissued and delivered to us here in La Paz. If it's sent by US/Mexican postal service it will be stolen and maxxed out again, if our past experience is any guide.

Just a word to the wise when traveling by highway and using motels . . .
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Brian L
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posted on 1-15-2011 at 05:08 PM Reply With Quote


How do you know it was from one of those? Were the purchases delivered there? Were those the only places you used your card in the recent past?

When you accuse someone, you should put as many facts as possible.




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durrelllrobert
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posted on 1-15-2011 at 06:46 PM Reply With Quote


Someone in the UK or Finland got my Citibank Visa number and maxed it out in mid-Dec. Of course they cancelled my card and sent a new one along with a declaration of unathorized charges form to sign (via snail mail) and return(via snail mail) , but so far they have not removed any of the $7K + fradulant charges, foreign transaction fees or interest so that I can use it. As you can see these included a bunch of hotel rooms in Finland, airline tickets to Duba, India and other unknown places + 2 Macafee charges in Canada. Yikes!!
Trans
Date Post
Date Description Charged To Amount
12/12 12/12 EM AIR 762138824377-DUBAI GB Standard Purch 1,572.06

12/12 12/12 MCAFEE.COM 866-622-3911 CA Standard Purch 19.99


12/12 12/12 AIR-INDIA 607WWW.AIRINDIA.GB GB ,1,154.74 POUND STERLING GB Standard Purch 1,828.28


12/12 12/12 MYVACATIONS.CO.UK ILFORD GB GB ,1,560.17 POUND STERLING GB Standard Purch 2,470.19



12/15 12/15 MCAFEE.COM 866-622-3911 CA Standard Purch 19.99


12/15 12/15 Omenahotelli Vaasa FI FI ,65.00 EURO FI Standard Purch 86.78


12/15 12/15 Omenahotelli Vaasa FI FI ,98.00 EURO FI Standard Purch 130.84


12/16 12/16 Omenahotelli Vaasa FI Standard Purch 129.89


12/16 12/16 Omenahotelli Vaasa FI Standard Purch 145.80


12/16 12/16 Omenahotelli Vaasa FI Standard Purch 145.80


12/16 12/16 Omenahotelli Vaasa FI Standard Purch 145.80


12/16 12/16 Omenahotelli Vaasa FI Standard Purch 172.31


12/17 12/17 Omenahotelli Vaasa FI Standard Purch 156.40


Subtotal of Activity $6,869.35

12/16 12/16 FOREIGN TRANSACTION FEE*INTEREST CHARGE Standard Purch 3.89


12/16 12/16 FOREIGN TRANSACTION FEE*INTEREST CHARGE Standard Purch 4.37


12/16 12/16 FOREIGN TRANSACTION FEE*INTEREST CHARGE Standard Purch 4.37


12/16 12/16 FOREIGN TRANSACTION FEE*INTEREST CHARGE Standard Purch 4.37


12/16 12/16 FOREIGN TRANSACTION FEE*INTEREST CHARGE Standard Purch 5.16


12/17 12/17 FOREIGN TRANSACTION FEE*INTEREST CHARGE Standard Purch 4.69


01/11 01/11 PURCHASES*INTEREST CHARGE*PERIODIC RATE Standard Purch 122.41


01/11 01/11 FOREIGN TRANSACTION FEE*INTEREST CHARGE Standard Purch 182.62

$331.88
Interest Charge Summary


Nominal
APR Periodic
INTEREST
CHARGE Transaction Fee/
INTEREST
CHARGE


PURCHASES
Standard Purch 19.990% $122.41 $182.62
CASH ADVANCES
Standard Adv 21.990% $0.00 $0.00


Total INTEREST CHARGE = $305.03

Trans
Date Post
Date Description Amount


01/11 01/11 OVER CREDIT LIMIT FEE 39.00




Bob Durrell
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DENNIS
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posted on 1-15-2011 at 07:17 PM Reply With Quote


Quote:
Originally posted by bajajazz
One of these two establishments used our card information to make whopping purchases (of furniture, we think) and maxxed out our card, a fact we discovered when it came time to use it again.


It wouldn't have to be someone associated with the two Motels. There are other devious ways to get your info.

Although you didn't, this is what bothers me about using a Debit Card while traveling. It's much more difficult to have the charges dismissed.
Maybe reserve the Debit Card for the ATMs and use a credit card elsewhere.
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posted on 1-15-2011 at 07:25 PM Reply With Quote


Quote:
Originally posted by DENNIS
Quote:
Originally posted by bajajazz
One of these two establishments used our card information to make whopping purchases (of furniture, we think) and maxxed out our card, a fact we discovered when it came time to use it again.


It wouldn't have to be someone associated with the two Motels. There are other devious ways to get your info.

Although you didn't, this is what bothers me about using a Debit Card while traveling. It's much more difficult to have the charges dismissed.
Maybe reserve the Debit Card for the ATMs and use a credit card elsewhere.


Excellent advice!!!
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posted on 1-15-2011 at 07:27 PM Reply With Quote


Bajajazz, I'm sorry this happened, but it sounds like your bank had absolved you of any responsibility. Maybe I've just been lucky, but I've had credit & debit cards sent to me in La Paz for the past 11 years without any problems. Have it sent in a non-bank envelope, slightly padded with several sheets of paper to help disguise the fact it's a credit card & DON'T ACTIVATE IT until you get it in your hot little hands. If you've had bad luck doing that, there's always DHL.

I know several people in La Paz who get new debit & credit cards through Mexican mail & activate it once they get it.

[Edited on 1-15-2011 by longlegsinlapaz]
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posted on 1-15-2011 at 07:41 PM Reply With Quote


Sorry to hear your bad luck, and hope your able to get it straightened out... to your satisfaction and benefit



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posted on 1-15-2011 at 08:33 PM Reply With Quote


:fire::fire::fire:



Blanca and Les
Come visit us:http://www.labocanahotel.com
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posted on 1-15-2011 at 10:00 PM Reply With Quote


Quote:
Originally posted by DENNIS
Quote:
Originally posted by bajajazz
One of these two establishments used our card information to make whopping purchases (of furniture, we think) and maxxed out our card, a fact we discovered when it came time to use it again.


It wouldn't have to be someone associated with the two Motels. There are other devious ways to get your info.

Although you didn't, this is what bothers me about using a Debit Card while traveling. It's much more difficult to have the charges dismissed.
Maybe reserve the Debit Card for the ATMs and use a credit card elsewhere.


I believe it was indicated a credit card was used- your advice is good, however, about the difference between a debit and credit card. I have stayed many times at the Hotel Mulege and paid with a credit card with no problem - doubt that is where the problem was. A very well respected local family owns and runs that motel. Jim
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posted on 1-15-2011 at 10:16 PM Reply With Quote


While it is certainly a royal pain to have to wait for a new card, the good news is that federal laws limits card issuers to charging a maximum of $50 in this situation. And the reality is that most banks don't even assess the $50.

Credit card theft is a worldwide problem. Noting that bajajazz mentioned two hotels, I was wondering about other recent use of the card. Card info is often stolen when people make internet purchases on an unsecured site, or are using an unsecured wifi connection.

With respect to the hotel experience, did anyone take your card away from your line of sight? I always feel just a little bit better when my card is swiped right in front of me at the counter, a receipt is handed to me along with the card.
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posted on 1-15-2011 at 10:32 PM Reply With Quote


Something else just came to mind. [that's twice in one day. I'm on a roll] A debit card used for purchases doesn't require a pin number if it has a VISA logo. It acts like a credit card...signature etc.
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posted on 1-16-2011 at 05:33 PM Reply With Quote


We used cash to pay for all our travel expenses and are therefore rather certain the theft occurred in either Tucson or Mulege. We generally use our card for automatic bill-paying deductions, only. Based on comments above testifying to the honesty of the family that owns the Mulege Hotel, we would now bet the fraud originated in Tucson. The only good thing we can say about the Lazy 8 Motel in Tucson is that the steakhouse restaurant next door is terrific, giving us the best meal we had on the whole trip to Albuquerque and back.

As expected, the new card issued by our bank six weeks ago has gone astray in the Mexican mail, and so far we have spent 25 dollars in "free" calls to our bank, as the portion of the "free" call that travels on Carlos Slim's landlines in Mexico is charged at the regular ripoff rate, a fact we just discovered.

We have found that the only safe way to send a credit card or anything else of value to La Paz is by registered mail (expensive) or by DHL (also expensive).
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posted on 1-16-2011 at 05:40 PM Reply With Quote


"this is what bothers me about using a Debit Card while traveling. It's much more difficult to have the charges dismissed"

Fraud is fraud. Your bank is supposed to investigate the incident in every case, which should prove the facts.

I have more than one credit card - they all have $0 balances, but if I have to use one in emergencies I can. Your Macy's card, Toy R Us card - you can use them for anything you know. I got an Expedia credit card while I was booking my flight for Hawaii. They offered $100 credit, which paid for one of my inter-island flights. Such a deal, and travel insurance too. If you don't use credit cards they will cancel them after some time. Many years ago I played the "no interest for year if you switch debit balances" game (which is essentially putting your balance on a new credit card). It was fantastic. I don't find those deals in my mailbox like I used to. Anyway, you can play the game to your advantage, and you have to stay on top of techno security and know who you're dealing with. If retailers don't take precautions and keep up, move on to someone who does or pay cash. The US economy is the real loser - and that's all of us.
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posted on 1-16-2011 at 05:45 PM Reply With Quote


Quote:
Originally posted by bajajazz
.

As expected, the new card issued by our bank six weeks ago has gone astray in the Mexican mail, and so far we have spent 25 dollars in "free" calls to our bank, as the portion of the "free" call that travels on Carlos Slim's landlines in Mexico is charged at the regular ripoff rate, a fact we just discovered.




Mexican Mail Service? I won't ask.

25 dollars is 15 months worth of Magic Jack.
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posted on 1-16-2011 at 05:47 PM Reply With Quote


Quote:
Originally posted by DENNIS
Something else just came to mind. [that's twice in one day. I'm on a roll] A debit card used for purchases doesn't require a pin number if it has a VISA logo. It acts like a credit card...signature etc.


:lol::lol:




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posted on 1-16-2011 at 07:33 PM Reply With Quote


Quote:
Originally posted by DENNIS
Something else just came to mind. [that's twice in one day. I'm on a roll] A debit card used for purchases doesn't require a pin number if it has a VISA logo. It acts like a credit card...signature etc.


Just to complete your observation, Dennis: It can be used as a debit card or a credit card if it has the VISA logo. People need to know that it is their option as to how to use the card. You have to request that it be used as a credit card. It just takes slightly longer for it to come out of your bank account, whereas a debit is instant.

If you use it as a credit card, do you get the same guaranteed fraud protection as you do with a regular credit card? I think you do, but I am not sure.




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posted on 1-16-2011 at 07:47 PM Reply With Quote


This has a FAQ section I skimmed over, may help answer a few questions about liability. http://usa.visa.com/personal/cards/debit/index.html



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posted on 1-17-2011 at 04:28 AM Reply With Quote


What a bummer, Ray--hope you get things straightened out soon.



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posted on 1-17-2011 at 09:21 AM Reply With Quote
credit cards



Quote:
Originally posted by bajajazz
Returning to BCS on a recent trip north, we used a credit card to pay for two nights of lodging at the Lazy 8 Motel in Tucson ("Tucson's Cleanest Budget Motel" -- not) and the Mulege Hotel in, of course, Mulege.

One of these two establishments used our card information to make whopping purchases (of furniture, we think) and maxxed out our card, a fact we discovered when it came time to use it again. Our bank immediately removed the fraudulent charges but we're still waiting for a new card to be reissued and delivered to us here in La Paz. If it's sent by US/Mexican postal service it will be stolen and maxxed out again, if our past experience is any guide.

Just a word to the wise when traveling by highway and using motels . . .


American Express or cash.
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posted on 1-17-2011 at 09:32 AM Reply With Quote
Jamaica and Visa



A couple pf years ago I was in Jamaica for a few days of scuba diving. I like to pay with Amex or cash. That's the way I operate. The dive shop asked me to hold a credit card for deposit since I was paying cash for the day trip. I gave them a Visa since they did not accept Amex (always suspicious...)

After I came home there were thousands of dollars of charges in Japan on that card. Japan. Jamaica, I never used it. Not even once. It was in the cash drawer of the dive shop for the whole day, it did not leave my wallet at any other time.

No problem man!...

I'll never go there again. Mofos. Thieves. Bad diving anyway. Nothing works there. Too much mota. They hate white people. Bad food.

Don't get me started... Get Amex.




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