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DavidE
Ultra Nomad
Posts: 3814
Registered: 12-1-2003
Location: Baja California México
Member Is Offline
Mood: 'At home we demand facts and get them. In Mexico one subsists on rumor and never demands anything.' Charles Flandrau,
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The ribbon cable? Oh dumb me, how do the nice people retrieve the credit card data?
A Lot To See And A Lot To Do
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durrelllrobert
Elite Nomad
Posts: 7393
Registered: 11-22-2007
Location: Punta Banda BC
Member Is Offline
Mood: thriving in Baja
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| Quote: | Originally posted by Kgryfon
Not isolated to Mexico - this happened to me in N. Ca. They went on a shopping spree that got halted at a Walmart when they tried to buy an $1800 TV.
All in all they got about $1500 in goods and cash, but my bank credited me back immediately.
Not long after they all (there was a group of them working together) got arrested and eventually sent to jail.
These thieves attach a scanner to the normal slot where you slide your card, capture your card number and your passcode, and Bingo!
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Also not Baja except it all started when my wife ordered some prescription drugs over the internet from down here. Apparently the Canadian Drug
company sold or otherwise allowed credit card info to go to a third party. That person, or persons, then used it to max out my card buying merchandise
in the UK, hotels in Finland and Norway and airline ticket all over the place including Dubai and United Arab Emirates. Total $7500 before maxed out.
Visa fraud division credited back all charges to my account except for international exchange fees that they claimed was out of their control but 3
months later they finally credited back those charges too.
Bob Durrell
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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How do they get in there to begin with and substitute for the legit ATM?
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DavidE
Ultra Nomad
Posts: 3814
Registered: 12-1-2003
Location: Baja California México
Member Is Offline
Mood: 'At home we demand facts and get them. In Mexico one subsists on rumor and never demands anything.' Charles Flandrau,
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I'll make this slower
HOW
DO
THEY
RETRIEVE
THE
DATA
FROM
THE
MACHINE?
A Lot To See And A Lot To Do
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Kgryfon
Senior Nomad
Posts: 624
Registered: 1-27-2009
Location: East Bay, CA
Member Is Offline
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They come back at a later and collect their equipment, which has recorded all the information. That's usually when they get caught (if they get
caught).
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Ateo
Elite Nomad
Posts: 5847
Registered: 7-18-2011
Member Is Offline
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They open the dispenser with a ^^^^^ (edited) key.
[Edited on 5-4-2013 by Ateo]
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Kgryfon
Senior Nomad
Posts: 624
Registered: 1-27-2009
Location: East Bay, CA
Member Is Offline
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...and they don't substitute the whole ATM, they just add a piece to the place where you slide your card. Stick it right over the top of the existing
reader.
Here's a link:
http://consumerist.com/2009/04/19/heres-what-a-card-skimmer-...
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Ateo
Elite Nomad
Posts: 5847
Registered: 7-18-2011
Member Is Offline
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| Quote: | Originally posted by DavidE
I'll make this slower
HOW
DO
THEY
RETRIEVE
THE
DATA
FROM
THE
MACHINE? |
Wirelessly if they're sophisticated or by retrieving the device by opening the pump.
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Ateo
Elite Nomad
Posts: 5847
Registered: 7-18-2011
Member Is Offline
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This is not rocket science. If a thief wants to open the pump, they can open the pump. It's easier than opening your car door, times a thousand.
Having said this, there's not a whole lot you can do so just buy gas and check your statements.
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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It's not rocket science for someone like you that is authorized to open the machine. But if they see you opening it and you don't have
authorization...it would pose a huge problem. | Quote: | Originally posted by Ateo
| Quote: | Originally posted by DavidE
I'll make this slower
HOW
DO
THEY
RETRIEVE
THE
DATA
FROM
THE
MACHINE? |
Wirelessly if they're sophisticated or by retrieving the device by opening the pump. |
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woody with a view
PITA Nomad
Posts: 15937
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
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we just transfered all our accounts from wells fargo to mission federal credit union. we got the new cards in the mail and started making purchases.
suddenly i'm getting calls from the fraud division saying there are purchases in AZ an CA at the same time!!! i asked them if it has ever happened, in
their professional opinion, that one person might be working or traveling in another state while the spouse was at home? they were insistent that i
need to inform them a week before making a purchase outside of CA!!! WTF? now i gotta ask permission to spend my own money? 
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Ateo
Elite Nomad
Posts: 5847
Registered: 7-18-2011
Member Is Offline
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Sorry if I sounded like a jerk in the above statement. I think most of these thieves come in at night and open a pump that is hard to see from the
cashiers vantage point. So I guess one could only pump on a dispenser that is clearly visible to reduce ones rish of getting their info
stolen. | Quote: | Originally posted by EnsenadaDr
It's not rocket science for someone like you that is authorized to open the machine. But if they see you opening it and you don't have
authorization...it would pose a huge problem. | Quote: | Originally posted by Ateo
| Quote: | Originally posted by DavidE
I'll make this slower
HOW
DO
THEY
RETRIEVE
THE
DATA
FROM
THE
MACHINE? |
Wirelessly if they're sophisticated or by retrieving the device by opening the pump. |
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DavidE
Ultra Nomad
Posts: 3814
Registered: 12-1-2003
Location: Baja California México
Member Is Offline
Mood: 'At home we demand facts and get them. In Mexico one subsists on rumor and never demands anything.' Charles Flandrau,
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I can understand a gas pump but how about bank ATM machines? The only ones I use to extract cash. When I pay my monthly bill at the grocery store
here, the cashier takes my card, swipes it, flips it over reads then enters the 3-digit code on the reverse. This is a matter of TRUST. Now let's see,
of all the businesses in Mexico you can think of WHICH ONES seems to have had HISTORICALLY an extremely low level of security and trust...?
And I am going to use a vulnerable financial access key there...?
Jajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajajaja
A Lot To See And A Lot To Do
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Howard
Super Nomad
Posts: 2346
Registered: 11-13-2007
Location: Loreto/Manhattan Beach/Kona
Member Is Offline
Mood: I'd rather regret the things I've done than regret the things I haven't done.
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I don't get it
With so many bank ATM machines that one can withdraw peso's from, other than emergencies, why does one use any plastic in Mexico or most any other
country other than your home country? I understand that fraud can and will happen anywhere but it is much easier to fix at home.
IMO, your just looking for trouble that can be avoided.
We don't stop playing because we grow old;
we grow old because we stop playing
George Bernard Shaw
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EnsenadaDr
Banned
Posts: 5027
Registered: 9-12-2011
Location: Baja California
Member Is Offline
Mood: Move on. It is just a chapter in the past, but don't close the book- just turn the page
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Good News!!
Got a pleasant surprise today when my newly issued debit card had the full refund of the amount stolen on my account, plus a credited Western Union
Fee of $15 dollars American they initially charged me when they wired the left over amount still on my card to me after cancelling the card. This
occurred before the 10 business days they told me I had to wait.
Thank you Bank of America!! No more debit card transactions anywhere if I can help it!!
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Kgryfon
Senior Nomad
Posts: 624
Registered: 1-27-2009
Location: East Bay, CA
Member Is Offline
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I'm not sure anyone looked at the link I posted. They do not need to open the machine. They place a skimmer on top of the reader that is already
there. It looks very innocent - like part of the original equipment.
http://consumerist.com/2009/04/19/heres-what-a-card-skimmer-...
Also, Woody, they were trying to do you a favor. You are a new customer. Usually people aren't in two places at one time making purchases. It's a red
flag for fraud so they called you to double check that it was legitimate. If it hadn't been, wouldn't you have bee glad that they alerted you? I
know this can be a pain - I've been on vacation and had my card frozen because of unusual purchases out of my normal area. Once they get a feel for
what are "normal" transactions for you and your wife they won't flag it as a potential fraud alert anymore. Not saying the person at the other end of
the phone couldn't have been more helpful/polite! The first time this happened to me I had to instruct the person on the other end of the line what
was going on - they were clueless. I work in a bank which is why I knew. I had to go to the dept manager to get the freeze take off because the
clerk had no idea what I was talking about. Anyway, once your new bank gets a profile on what is normal for you, you shouldn't have a problem
anymore. If you do, talk to the manager.
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Kgryfon
Senior Nomad
Posts: 624
Registered: 1-27-2009
Location: East Bay, CA
Member Is Offline
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Oh, what was even better was that they were calling my home phone...um, I was on vacation and not there to answer my home phone... Anyway, I do call
and alert them when I go out if the states now so I don't get frozen again.
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woody with a view
PITA Nomad
Posts: 15937
Registered: 11-8-2004
Location: Looking at the Coronado Islands
Member Is Offline
Mood: Everchangin'
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i know they are trying to help but "i must call a week prior to using my card out of state" just seems ludicrous.
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BornFisher
Super Nomad
Posts: 2103
Registered: 1-11-2005
Location: K-38 Santa Martha/Encinitas
Member Is Offline
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So Monday and Tuesday (July 28th and 29th) I bought gas at the La Salina gas station and paid with a debit card. I came back to the USA on Wed., the
30th.. Thurs. (yesterday) I checked my account on line and see a charge from In and Out Burger, Chula Vista for $15 dated on the 29th.. Then I see
another charge, this one for $390 at Safeway in Chula Vista also on the 29th. I cancelled the card and got credited for the amount of the 2 charges. I
figure they tested the card by buying burgers, then went on a Safeway binge for food and booze. And didn`t use the card on the 30th because they were
hungover!!
Anyway I made the mistake of handing my card and ID to the attendant. I thought it took 10 minutes to copy a card, my card was out of sight for about
4 or 5 minutes. Soooooooooooo.............. watch your cards folks!!
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dasubergeek
Senior Nomad
Posts: 694
Registered: 8-17-2013
Member Is Offline
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This is exactly the sort of crap the new chip cards will help prevent. There's a new chip coming on all of your credit and debit cards in the next
year or so. You won't swipe the magnetic strip (though it'll still have one), you just insert the card, chip up, into the reader. The chips are very,
very hard to crack--they've been in use in Europe for almost 20 years.
Of course, the best is chip and PIN, because then they have to be right there and you have to put in a PIN, so they can't disappear with the card
anyway... but no, the U.S. has decided to go to chip and sign.
Right now, if there's fraud on a card, the bank is liable for it.
In October 2015, there's going to be a liability shift, spurred by Visa and Interbank (Mastercard). If fraud occurs on a credit card, who has to "eat"
it will be determined by who has less advanced technology. If your card has a chip and the reader doesn't accept chips (or the chip wasn't used), the
merchant has to cover the fraud. If the card isn't chipped but the reader is capable of reading chips, the bank still has to cover it. And if both the
card and the reader can deal with chips, the bank will still cover it.
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