[ale] Ouch. Stay away from proprietary technology.

[Scott Castaline]

Back in 2009 I had a similar situation happen to me. At the time Iwe 
didn't have any credit cards so this happened to my debit card. I had 
been down in Tampa and I had no problems until I got back home. I had 
filled the rental car with gas before turning it using that card with no 
problem. My wife picks me up at the airport and I filled our van up with 
gas again using the same card. We get over to Kroger's I went to pick up 
a prescription from the pharmacy and got declined. At first didn't think 
anything of and used my wife's card no problem. Later I go to use my 
card again to check out at Krogers and was declined again even when they 
entered the card info manually. I called the bank (then it was ING 
Direct and is now Capital One 360) and they didn't know why but my card 
had been frozen. As it turned out it was the company that handled their 
clearing and approvals, that company informed us that between the time 
that I got gas and then the first declined attempted there were 5 credit 
requests totaling $30,000 that were very far apart from each other in 
Mexico at the same time. So all charges were declined and my card was 
frozen. A week later I got a new card.

Nine months later, I had made it a daily practice to go online with my 
banks and one morning I see several charges totaling $5,000 on my new 
card. This time I had to do all the leg work to resolve the issues. The 
worst part was that night I several bills scheduled which didn't happen 
and by the time I got it straightened out I was late an several of them 
getting clobbered with late fees. All but one merchant wound up 
canceling the orders, Champion Sports was very quick to ship out the 
order with in 2 hours, but did credit my account. Then I did mange to 
get the late fees waived after several phone calls and getting escalated 
to upper management gophers. Fortunately we were able to re-establish 
our credit and then had a couple of credit cards and stopped using the 
debit card immediately.

Now it seems almost like clock work every 9 months we're getting fraud 
alerts on one of our cards so we don't have card numbers long enough to 
expire. At one time we had 2 cards locked at about the same time, and 
that was just in the last 6 months.

On 02/07/2016 02:19 PM, DJ-Pfulio wrote:
> Apple?  If you know my first and last name, it will take a few phone
> calls to find me in the world.
>
> Credit card info?  Anywhere the card was used, that data could have been
> stolen. It is my "go-to" CC when traveling.
>
>
>
>
> On 02/07/16 12:08, James Sumners wrote:
>> On Sun, Feb 7, 2016 at 11:32 AM, Boris Borisov <bugyatl at gmail.com
>> <mailto:bugyatl at gmail.com>> wrote:
>>
>>      How they got that info. Any clues.
>>
>>
>> Probably from the credit card information. Rather tough to buy something
>> in NY and Miami on the same day without a large time gap. They probably
>> flagged the fraud quicker than the bank and took action.
>>
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