Posts Tagged ‘unauthorized charges’

To Catch a Scammer….

To fill you in, I got an order in the past week from a girl claiming to be in Germany. She didn’t order through my shopping cart-but my email. I knew at that point it was a bit fishy. But I played along to see where this would go. She was wanting to order 40 items of 4 different things that I carry. She said I could pick the scent-she gave me an address to check out the shipping costs through pamshippers. I did-as it wasn’t hurting me to do an estimate. They came back with an amount of $1800…right then I was like she isn’t going to go any farther. But she did-her order total would have been over $3000 with shipping. I told her I would need a valid credit card, with cvc, expiration date, address etc. She then came back with a credit card, but not one in her name. Now I have received orders before where the card was in the husband’s name-but the addresses were the same-the last names were the same etc.
So when I quesitoned her what the relationship was with her and that person-she then changed her story to it was her manager’s card and they would call me the next day. Problem was-this credit card was for someone in a southern state-and she was still claiming to be in Germany.
She gave me all of his information except a phone number. So when she didn’t immediately write me back I googled the white pages for this person’s phone number and called him.
I got their answering machine-but received a phone call back within 15 minutes. As I had suspected these kind people had NOT authorized this card to be used…..Hmmmmm did I catch her? or him? I gave the credit card information to this kind person-to find out YES it was one of their credit cards.
After that person called their credit card company they found that this person had also charged flowers to their card. And upon further investigation this person found out that the “scammer” was a manager for a rental car place out of Tennessee. Seems they had rented a car from an airport back in the spring-and the MANAGER…was the one using their card. Not only did the person go by another name (close though)-they were able to figure out her full name, address, and I had supplied the email. They are now going to be pressing charges against her.
I could give you her name that she went by-but it won’t help as if she were to do this again-she will most likely use a new email and a new name. But beware! I really didn’t think from the start that this order was valid-but I am glad that I pursued it as I might have saved these wonderful people more charges to their account.
I find it outrightly irritating that people out there are stealing other peoples information and using it for themselves. Did she not think that these people wouldn’t notice new charges? Did she think she would get a way with it with me? I led her to believe so. This scammer wanted me to charge the card asap…what she didn’t realize that an order that size would have taken me weeks to complete and IF I had been quick to do it-because heck the money would have been great. But in the end I would have had stock of items I put my money into and lost what I had invested, and these people would be fighting charges to their card that should have never happened. Scammers ruin it for out of country people that are legitimately placing valid orders. I do have a person in Italy, a couple in Australia that are legitimate…but I always 2nd guess them. It isn’t their fault, it is the scammers out there trying to take advantage of innocent people.
The scammer now knows she has been found out-I didn’t contact her again-but the person she tried to take advantage of did…and I am sure it felt good to let her know-as I wanted to say SHAME ON YOU…And to top it off-this person was in the US this whole time…
The person said they didn’t know how to thank me…Honestly? The good feeling I got from stopping if only 1 person was pay enough.
So take it from me-if the order seems to good to be true-then it probably is…and if you have credit, debit cards…check your statements each month-keep track of your bank accounts; especially if you can go online and sign up with your bank to view your statements in a secured setting. It might be the difference between someone taking your money or not. So I am feeling pretty good this week…There are many honest people out there-but you just have to watch out for the ones that aren’t. This isn’t the first time I have gotten an order like this one…but the last person faded off-and didn’t use a card that wasn’t theirs-to my knowledge…so I didn’t “catch” them…I may be a “small business” but maybe that is even better than being a big company that might have processed the order not realizing what was going on…who knows…Thanks for letting me share my story with you! Til Next Time….


A follow up to: Do I know someone in Singapore….

Just incase anyone happened to read my latest post-I wanted you to know I figured out at least where the person “used” my debit card. They used it to purchase something through Asia GIS which looks to be a cell phone company. Currently my bank is investigating it-and the almost $99 has been returned to my account while it is being investigated.  I will most likely never know who got a hold of my information or where they happened upon it-hacked up on it. But for now-I am happy that they won’t be able to use that card again. I am also feeling very lucky that that is all they used before it was caught.

This is why I support the “online” banking options-I am able to watch my account-if I hadn’t been able to do that I wouldn’t have seen that these 2 (well 4 with the exchange rates added on) had actually been taken out of my account-where as my bank said they wouldn’t be. Ok, so they didn’t realize they would. But if I didn’t daily check my account-I wouldn’t have noticed that I was going to be $99 short.

It is very very important when people call and contact you and want your account information that you just tell them you will call your institution the next day. Now a days we can’t trust anyone over the phone-or an email for instance. I received an email today saying I needed to verify my account from some bank. I figured if it was legitimate and I didn’t answer it-they would either snail mail me-or call. There are smart people out there just waiting to get their hands on your “credit” as it isn’t the money they are necessarily interested in-it is your name, your identity.

Also another “scam” that you might be receiving through email is the “I have a million dollars that I am holding in an account” type letter-some person has supposedly been left incharge of a large estate and are willing to share it with you if you email them like all of your information. Although it would be a cool thing to get a lot of money for doing nothing-there isn’t any money…lol…they want your information.

So I apologize that I have went off on a tangent-but I want you to protect yourself from scams, and people out to take your information and use it for their own. As far as my debit card goes I don’t feel I did anything wrong-but now I am not going to make the mistake of giving someone too much information-especially when it can happen to you without you even trying. I figure there is only room in the world for 1 of me….

Good night and don’t share with just anyone-regardless of what you were taught while you were growing up…LOL.