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Welly, well, well, well.

Got a call at 6:20 am from Western Union. Someone in Nigeria was trying to use my credit card number (multiple times) to transfer some funds. Transaction was refused.

The card has been cancelled, the credit card company and I discussed what else is likely fraudulent (looks like someone got hold of it starting June 21 or so ... when I was riding horsies and soaking in mineral baths in Colorado), the credit bureaus will be notified that this card was used fraudulently, and I will be getting a new card and a statement.

What else should I be doing here? Does anyone think that filing charges would be appropriate?


Jun. 28th, 2005 02:00 am (UTC)
The charges aren't yours to file. If your credit card company doesn't make you pay for the fraudulent activity, then they have indemnified you, and the damages are done to them. It's their credit card number, their monetary damages, so the crime is actually against them.

I've had three numbers stolen - two in the last 7 months, and the first about 4 years ago. Each time, all I had to do was get the new card. Never had another problem. In the case of the second instance of theft, I know exactly who and how the number was obtained (and that was the second AMEX number I had snatched). It was plain old paper-trail. So, no preventative acts to be taken except never to use that merchant again, and to change the number. In the case of my business Mastercard, someone got it from a CC database. Again, no behavior change necessary on my part.

You might want to pull your credit reports from all three agencies (usually costs about $29.95 or so) now, and do it again in 90-120 days (typical billing, aging and reporting cycle). Anything new that shows up that you didn't expect or know about is prolly related to this instance (although that's rare).

I'm sorry you had this happen. When it's happened to me, I've been pissed mightily for a few days. But other than that, you can relax knowing that in most cases, individual cc numbers, expiration dates and cardholder names/addresses can be purchased for about a penny a piece on the 'Net if you know where to look. And not everyone requires a CVV2 number to process transactions.
Jun. 28th, 2005 02:04 am (UTC)
When there is a fraudulent use of your credit card, you can get a free credit report. The bank, if generally being helpful, will usually facilitate that.
Jun. 28th, 2005 04:05 am (UTC)
Thanks. Actually I seem to recall that in California, there's something about being able to get the ObReports free every so often.

A lot of the charges were "attempted" and did not go through for whatever reason. Western Union probably sees a lot of these, and smelled a rat when three different pronounciations of my name were used ;).

Oddly enough, all this one has been used for recently is to pay for my ISP and Amazon stuff.