Been ripped off

[wodin]

Just noticed four months of 19.95 out of my bank each month. LOGOWNER.COM was the people who dealt with the payments for a website called Free Life Time 3D anime..which turns out to be a porn website. LOGOWNER have said they will reimburse me two months worth. Spoke to the bank who cancelled my card and I have to phone on Tuesday to speak to some Retail section to try and get the rest of my money back.

Not like I have loads as it is..I wondered why my money seemed less than it should be recently.


Not even proper porn site but computer graphics...

[Josh]

You got your creditcard hacked or what?

[wodin]

Looks like it..debit card it was.

[Chickenboy]

ORIGINAL: wodin

Just noticed four months of 19.95 out of my bank each month. LOGOWNER.COM was the people who dealt with the payments for a website called Free Life Time 3D anime..which turns out to be a porn website. LOGOWNER have said they will reimburse me two months worth. Spoke to the bank who cancelled my card and I have to phone on Tuesday to speak to some Retail section to try and get the rest of my money back.

Not like I have loads as it is..I wondered why my money seemed less than it should be recently.


Not even proper porn but computer graphics...

Sorry to hear that mate. Hope it all gets straightened out.

Just out of curiosity what's the law over there about blatant credit card fraud? Here, the card owner is not responsible for one cent of it. Sure, it's a hassle filing the report and dealing with the card fraud folks, but you (by law) aren't liable for such nonsense.

It's a strong argument for using credit cards instead of debit cards too. Once the money's gone from your account with a debit card, it's gone. Much tougher to get replaced then it is to challenge a credit card charge.

[wodin]

Yeah mine is a debit card..I wouldn't be able to get a credit card.

Well LOGOWNERS who deal with payments for website companies (their name appears on the bank statement) gave me two months back as a courtesy. I have to got through the bank to try and get the other payments. I cancelled my card etc but have to phone the bank back on Tuesday to speak to the retail dispute section.

[Yogi the Great]

Hmmm, interested in 3D porn hey Wodin?

[Josh]

ORIGINAL: Chickenboy



Sorry to hear that mate. Hope it all gets straightened out.

Just out of curiosity what's the law over there about blatant credit card fraud? Here, the card owner is not responsible for one cent of it. Sure, it's a hassle filing the report and dealing with the card fraud folks, but you (by law) aren't liable for such nonsense.

It's a strong argument for using credit cards instead of debit cards too. Once the money's gone from your account with a debit card, it's gone. Much tougher to get replaced then it is to challenge a credit card charge.

Same here, or maybe I should say "used" to be the same here. Banks are getting more hesitant to pay you back, because they are putting the blame more and more on the customers; saying we the customers are not careful enough blablabla. Exactly that is the reason I buy very little online, only here at Matrix and Steam. It's safe ... but only so far.

[RockKahn]

ORIGINAL: Chickenboy

It's a strong argument for using credit cards instead of debit cards too. Once the money's gone from your account with a debit card, it's gone. Much tougher to get replaced then it is to challenge a credit card charge.

+1

I always use credit card when purchasing online for this very reason. I use debit card locally, though, so using credit card for online purchases may not be helping. PayPal is better, if the place will take it, even though my son had his PayPal account hacked. PayPal stopped the transaction and he got all his money back.

My daughter's gotten ripped off from someone using her debit card number twice. Once from Minnesota and once from Toronto, Canada. The first time she didn't do anything about it, she didn't want to go without a debit card for a week or two, but the bank gave her the money back. The second time they gave her a new card and her money back. Both were small purchases. The bank told her they usually make small purchases hoping the owner doesn't notice.

I guess it pays to watch your bank statement closely.

Good luck, wodin

[Chickenboy]

ORIGINAL: wodin

Yeah mine is a debit card..I wouldn't be able to get a credit card.

What about prepaid credit cards? Surely they exist across the pond?

[carnifex]

ORIGINAL: Chickenboy

Here, the card owner is not responsible for one cent of it. Sure, it's a hassle filing the report and dealing with the card fraud folks, but you (by law) aren't liable for such nonsense.

Only if you report it within a timely manner. US Federal Law states:

Your liability is limited to $50 if you report the check (debit) card lost or stolen within two days. If you do not report the card lost or stolen within two days, your liability can jump to $500. After 60 days, you can be responsible for the entire amount.

[wworld7]

Check your statements EVERY month. It's boring, but everyone should do it.

[Chickenboy]

ORIGINAL: carnifex

ORIGINAL: Chickenboy

Here, the card owner is not responsible for one cent of it. Sure, it's a hassle filing the report and dealing with the card fraud folks, but you (by law) aren't liable for such nonsense.

Only if you report it within a timely manner. US Federal Law states:

Your liability is limited to $50 if you report the check (debit) card lost or stolen within two days. If you do not report the card lost or stolen within two days, your liability can jump to $500. After 60 days, you can be responsible for the entire amount.

The negligible liability I spoke of was assuming fraudulent (criminal) activity on a credit card. Not a check / debit card. Insofar as I know, the card holder is never responsible for fraudulent criminal activity perpetuated on their card, as so many cases of criminal activity do not involve the physical possession / theft of the card itself, but rather large batches / banks of cc# by criminal enterprises.

[Greybriar]

ORIGINAL: flipperwasirish

Check your statements EVERY month. It's boring, but everyone should do it.

I pay closer attention to my credit card statement each month than my bank statement.

[rodney727]

Hi wodin
Go online every day and check your statements . I have a debit card and my wife allows me one credit card. Sometimes it really sucks being married to an accountant lol!

[rodney727]

Check it every two days. It takes only minutes....

ORIGINAL: Greybriar

ORIGINAL: flipperwasirish

Check your statements EVERY month. It's boring, but everyone should do it.

I pay closer attention to my credit card statement each month than my bank statement.

[Will_L_OLD]

Hope you are able to get that other two months of charges returned to you and that the fraud gets investigated.

Had a credit card cloned once but got lucky because Amex called me at home to ask if I was purchasing over $1000 in electronics in Manhattan... Card was copied at a Payless Shoes in Valley Stream, NY by the cashier who ran it through a reader and made note of the security code. Learned to make sure that your card receipt reads "swiped", if not there is a good chance that your card just got compromised.

[U2]

ORIGINAL: flipperwasirish

Check your statements EVERY month. It's boring, but everyone should do it.

I check my cards/accounts EVERY day [:)]

[MrRoadrunner]

I had our credit card "cloned" a couple years ago. We got a call from the credit card company that "unusual activity" was going on and we needed to check our statement. We asked them to cancel our card and issue another. But, before that, someone in Mexico had bought a burger at Burger King for under $5.00. Once they knew the card could be used they went on a $7k shopping spree across Mexico.

"Unusual activity" to say the least. There were purchases from my wife and I (in the US) scattered among the many that were occurring in Mexico at the very same time. [X(]

Always pays to check your account.

RR

[wodin]

Seems it started not long after I let Freja make a payment to some silly facebook game. Well I paid..didn't let Freja use the card. Normally purchases are mainly Steam sometimes Gamersgate and the odd Ebay item oh and Asda and Virgin.

[Rtwfreak]

Same thing happened to me a few years back. Someone used about $62 on my debit card to order stuff in my name and then shipped me the stuff. Was totally funny as I contacted the companies that were involved and told them what happened and that I didn't order the stuff. One of them got all cocky with me though and said I would not get any refunds. So, I contacted my bank and had to write a report on each encounter (I think there were 4 of them) and finding out that I didn't order them seemed very easy to me I just said look at the IP address of the person that ordered the stuff. If it matches mine I'll pay it. I had my money back within 2 days plus all the stuff that was ordered. But, they wouldn't tell me what happened to the person who used my debit card number. So, after all of that I ended up with some Extends (lol), Colon Flush (lol) about 600 8x11 envelopes (those are useful) and some other garbage for weight loss. The order also came from someone using my name on Hotmail.com

It being a debit card transaction I was suprised the bank gave me back all of my money. They were really nice about it and no questioneds asked after I submitted the forms. This is why I keep 3 separate bank accounts and not much money in two of them and my main bank account out of state. If/when I get hit it's most likely going to be one of the two that I use to purchase things online and off. My main bank account never sees the light of day online or off unless the bank itself does it.