Another PBK credit card fraud incident...
#51
slowest!
Join Date: Oct 2008
Location: NW WA
Posts: 628
Bikes: Felt, Atala, Kona
Likes: 0
Liked 0 Times
in
0 Posts
No. A credit card # is not enough info to "steal your identity".
See this is why these threads serve no purpose....
Try fatwallet finance forums or something.
See this is why these threads serve no purpose....
Try fatwallet finance forums or something.
#52
Despite all my rage, I am
Join Date: Jan 2007
Location: Los Angeles, CA
Posts: 2,613
Bikes: LeMond Zurich, Colnago C-50
Likes: 0
Liked 0 Times
in
0 Posts
(looks like someone beat me to it.)
#53
Senior Member
Join Date: Nov 2006
Location: Houston, TX
Posts: 3,198
Bikes: 2007 Orbea Onix, 2007 Windsor The Hour, 2008 Kona Jake
Likes: 0
Liked 0 Times
in
0 Posts
#54
slowest!
Join Date: Oct 2008
Location: NW WA
Posts: 628
Bikes: Felt, Atala, Kona
Likes: 0
Liked 0 Times
in
0 Posts
Not it's not. It's a silly waste of your time to worry about something like that. If you had any idea of how credit reporting worked you would understand.
Even "watching your account like a hawk" is dumb. Just wait for your statement and get it then. There is no responsibility on your part to tell the credit card company that someone has stolen your card info unless you know it has been stolen (like you get mugged etc.) Heck some credit card company's have policies that they can't reverse a charge unless a statement has been issued anyway.
All these “PBK stole my cc card” threads do are provide a soapbox for under informed consumers to spout off about things they do not understand.
Even "watching your account like a hawk" is dumb. Just wait for your statement and get it then. There is no responsibility on your part to tell the credit card company that someone has stolen your card info unless you know it has been stolen (like you get mugged etc.) Heck some credit card company's have policies that they can't reverse a charge unless a statement has been issued anyway.
All these “PBK stole my cc card” threads do are provide a soapbox for under informed consumers to spout off about things they do not understand.
#55
This isn't cause for paranoia but better to be on the safe side.
On a side note I contacted PBK to alert them to the issue. I never heard back when I asked them for a Craft size chart so I'm not sure how vigilant they are about reading email.
#56
slowest!
Join Date: Oct 2008
Location: NW WA
Posts: 628
Bikes: Felt, Atala, Kona
Likes: 0
Liked 0 Times
in
0 Posts
If someone took that CC# and signed up for a recurring obligation like a gym membership, when that cc# gets bounced the next month, you can be on the hook for the balance of the term, say 11 months, and they don't need a SS# for it to get on your credit report. Many times simply having the same name as someone else who skipped a bill is enough.
How do you people come up with this stuff.
#57
Senior Member
Join Date: Nov 2006
Location: Houston, TX
Posts: 3,198
Bikes: 2007 Orbea Onix, 2007 Windsor The Hour, 2008 Kona Jake
Likes: 0
Liked 0 Times
in
0 Posts
Not it's not. It's a silly waste of your time to worry about something like that. If you had any idea of how credit reporting worked you would understand.
Even "watching your account like a hawk" is dumb. Just wait for your statement and get it then. There is no responsibility on your part to tell the credit card company that someone has stolen your card info unless you know it has been stolen (like you get mugged etc.) Heck some credit card company's have policies that they can't reverse a charge unless a statement has been issued anyway.
All these “PBK stole my cc card” threads do are provide a soapbox for under informed consumers to spout off about things they do not understand.
Even "watching your account like a hawk" is dumb. Just wait for your statement and get it then. There is no responsibility on your part to tell the credit card company that someone has stolen your card info unless you know it has been stolen (like you get mugged etc.) Heck some credit card company's have policies that they can't reverse a charge unless a statement has been issued anyway.
All these “PBK stole my cc card” threads do are provide a soapbox for under informed consumers to spout off about things they do not understand.
I also find it interesting that you've spent hours following this thread to try to prove that you know more about credit reporting than others. Once you asked to close the thread why didn't you take your bad advice and disappear?
And again, telling people, "don't worry about your credit cards, just try to catch it when you get your statement" is totally irresponsible. If one of these people lose 10 grand, will you cover it for them?
#58
The Improbable Bulk
Join Date: Jul 2005
Location: Wilkes-Barre, PA
Posts: 8,379
Bikes: Many
Likes: 0
Liked 7 Times
in
7 Posts
If I give you the number of my previous credit card and expiration date (which was apparently what was compromised) you can't do anything with it but get a bunch of refused charges... It isn't enough info to get a new card... If you get a new card in my name, you would have to make up a Social Security Number, and unless you guessed mine right (highly unlikely), it wouldn't go against my credit.
#59
slowest!
Join Date: Oct 2008
Location: NW WA
Posts: 628
Bikes: Felt, Atala, Kona
Likes: 0
Liked 0 Times
in
0 Posts
Cardholder liability
In the US, federal law limits the liability of card holders to $50 in the event of theft, regardless of the amount charged on the card. [7]. In practice many issuers will waive this small payment and simply remove the fraudulent charges from the customer's account if the customer signs an affidavit confirming that the charges are indeed fraudulent.
Card issuers may try to recoup losses through higher fees and interest rates. The same applies to credit cards issued by offshore banking institutions.
In the US, federal law limits the liability of card holders to $50 in the event of theft, regardless of the amount charged on the card. [7]. In practice many issuers will waive this small payment and simply remove the fraudulent charges from the customer's account if the customer signs an affidavit confirming that the charges are indeed fraudulent.
Card issuers may try to recoup losses through higher fees and interest rates. The same applies to credit cards issued by offshore banking institutions.
#61
road plague
Join Date: Apr 2009
Location: dropped in dc
Posts: 343
Likes: 0
Liked 0 Times
in
0 Posts
Well, for what it's worth, my order with PBK didn't result in any fraudulent charges before I had that $500 limit card replaced anyway (that I use almost exclusively for online purchases).
I will be using the PayPal one time use generated mastercard account numbers from here on out.
So these threads DID help -- I didn't know I could do that with PayPal.
I will be using the PayPal one time use generated mastercard account numbers from here on out.
So these threads DID help -- I didn't know I could do that with PayPal.
#62
Up on the Down Side
Before you order anything online, contact your credit card issuer and see if they will give you a one-time CC number to use for an online purchase for a credit limit that you specify and that is only valid for a short time. Make your online purchase and if someone nicks your temporary CC #, it's not going to get them much and you won't have to cancel your main CC #.
MBNA used to do these, I think.
MBNA used to do these, I think.
Last edited by CyLowe97; 04-23-09 at 03:14 PM.
#65
Cat 666
Join Date: Jul 2008
Location: nyack, ny (yes, that one)
Posts: 1,462
Likes: 0
Liked 0 Times
in
0 Posts
Yep, I ordered something from PBK a few weeks ago, then bought something via Paypal a few days later and there was a charge for $1. It had been a long while since I'd used Paypal, and with all of these threads about PBK lately I was worried and called my bank to check on it. They said it's normal with Paypal, and that the $1 charge would go away within a few days, which it did. I'm still checking my account daily for any small purchases though.
#66
Home, home again
Join Date: Nov 2006
Location: West Texas
Posts: 2,543
Bikes: Scott S10, Ultegra
Likes: 0
Liked 0 Times
in
0 Posts
Paypal plugin one time generated cc #'s....the only way I order online anymore.
__________________
S10
Carpé Cerevisi
15% DISCOUNT for First Time Hammer Nutrition Orders click here!
S10
Carpé Cerevisi
15% DISCOUNT for First Time Hammer Nutrition Orders click here!
#67
Stand and Deliver
Join Date: Jun 2008
Location: Tampa Bay
Posts: 3,340
Bikes: Cannondale R1000, Giant TCR Advanced, Giant TCR Advanced SL
Likes: 0
Liked 1 Time
in
1 Post
Not it's not. It's a silly waste of your time to worry about something like that. If you had any idea of how credit reporting worked you would understand.
Even "watching your account like a hawk" is dumb. Just wait for your statement and get it then. There is no responsibility on your part to tell the credit card company that someone has stolen your card info unless you know it has been stolen (like you get mugged etc.) Heck some credit card company's have policies that they can't reverse a charge unless a statement has been issued anyway.
All these “PBK stole my cc card” threads do are provide a soapbox for under informed consumers to spout off about things they do not understand.
Even "watching your account like a hawk" is dumb. Just wait for your statement and get it then. There is no responsibility on your part to tell the credit card company that someone has stolen your card info unless you know it has been stolen (like you get mugged etc.) Heck some credit card company's have policies that they can't reverse a charge unless a statement has been issued anyway.
All these “PBK stole my cc card” threads do are provide a soapbox for under informed consumers to spout off about things they do not understand.
My CC was recently compromised and over $4,000 was purchased over a short period of time. I also purchase from PBK, but I have no clue if this is where they got my information. It won't stop me from making future purchases from them, but I will check the CC's current activity, thoroughly go through each new monthly statement and carefully watch my bank accounts transactions.
What ticks me off is the first fraudulent purchase to Newegg.com was for $1,500 and the merchandise was shipped to a different address than the billing address. Should have been a red flag and they should have verified the purchase. Of the 14 purchases, we were able to contact the retaler and stop delivery of 10, and a few, such as Hewlett Packard, suspected something was wrong and cancelled the delivery.
My wife thru her research was able to figure out where the items were being delivered, worked with the local sheriff's dept and was able to make an arrest. Got a lot more complicated, but I'll spare the details. To say that there is nothing you should do is naive. Sitting back and letting the CC pursue it and to not watch your activity is what I consider dumb. After reading these posts, I realize that this problem is more pervasive than I thought.
#69
Senior Member
Join Date: Aug 2008
Location: Maryland
Posts: 323
Likes: 0
Liked 0 Times
in
0 Posts
fwiw, my last order with PBK was on Feb. 6, and I just had to cancel my credit card because of small fraudulent charges on it ($1 from "Itunes," $15.99 from "Netflix," and $2.29 from "Businessfund800." At the same time, i started getting unsolicited calls on my cell phone (the number I gave PBK), and have continued to get at least 6-7 calls per day from the same few numbers for the last week. I have the credit card stuff straightened out, but I wish i knew where the a**holes who keep calling me lived. . .
#70
member. heh.
Join Date: Jul 2008
Location: Williamsburg, VA
Posts: 1,631
Likes: 0
Liked 0 Times
in
0 Posts
fwiw, my last order with PBK was on Feb. 6, and I just had to cancel my credit card because of small fraudulent charges on it ($1 from "Itunes," $15.99 from "Netflix," and $2.29 from "Businessfund800." At the same time, i started getting unsolicited calls on my cell phone (the number I gave PBK), and have continued to get at least 6-7 calls per day from the same few numbers for the last week. I have the credit card stuff straightened out, but I wish i knew where the a**holes who keep calling me lived. . .
#71
Senior Member
Join Date: May 2005
Location: SFBay
Posts: 2,335
Bikes: n, I would like n+1
Likes: 0
Liked 133 Times
in
108 Posts
No PBK for me, but me and most of my friends at college have gotten new credit cards in the past month duet to fraudulent charges coming from odd places. I think one or two of the large US clearing houses also had holes.
#72
road plague
Join Date: Apr 2009
Location: dropped in dc
Posts: 343
Likes: 0
Liked 0 Times
in
0 Posts
^^ this too. My bank preemptively sent me a new debit card because of a compromise at a processor or data center. Well, a WEEK LATER before I even used the card there were fraudulent charges they intercepted and stopped. And sent me another new card.
#74
Senior Member
Join Date: Oct 2008
Location: Union City/Davis, ca
Posts: 431
Bikes: CAAD9 6
Likes: 0
Liked 0 Times
in
0 Posts
Man, PBK has such good prices but I really don't want to deal with them after so many people have gotton fraud charges. I don't even want to risk it right now because I got a brand new card last month, and only used it once for a helmet from rudy project and 2 days later got $150 of fraudulant charges on my card. Wells Fargo did take care of it, but I hate going through the whole process. sigh, I guess I'll just get my tires from bikeisland now.
#75
road plague
Join Date: Apr 2009
Location: dropped in dc
Posts: 343
Likes: 0
Liked 0 Times
in
0 Posts
Man, PBK has such good prices but I really don't want to deal with them after so many people have gotton fraud charges. I don't even want to risk it right now because I got a brand new card last month, and only used it once for a helmet from rudy project and 2 days later got $150 of fraudulant charges on my card. Wells Fargo did take care of it, but I hate going through the whole process. sigh, I guess I'll just get my tires from bikeisland now.
As people have said, use a single-use generated card number. Your bank may give you one or if you use PayPal you can get one through their PayPal Plug-in.