Ruiner = owned again v.2 identity theft again

[Ruiner]

$9,000 plus this time!

So, I just got a billing statement from my MBNA credit card that I haven't used since early 2005. Couple that with the fact that my previous card expired and I didn't call in to activate the new cards. Odd, right?

*edit* Apparently MBNA automatically switched me from a Mastercard to an AMEX card as I didn't reply back to their letters and tell them that they couldn't. What kind of fucked-up shit is that? They automatically switch me if I don't respond back?

It took a while for the bill to get to me 'cause I switched addresses. I didn't even think about letting them know this as I, once again, hadn't used the card in about 1.5 years.

I look at my bill:

Purchases:

- Citgo gas station - $10.00
- Field Limo Service - $9,162.00 :eek:

I shit you not! Someone spent over 9k on a fucking limo! There had better have been strippers and blow jobs for the whole crew, that's for sure. I didn't even get to have fun in the fucking limo that I paid for! Apparently they had a fake id in order to make this transaction! The card has a $25,000 limit, so I guess they saw nothing wrong with this given that the person had an id. :thinking:

What I know:
- They activated cards with my personal info as they didn't use my phone to do so (my cell is the number on the account). That means that they know all of my info. It was probably the same people who created the Bank of America credit card in my name about 1 month ago if you remember. MBNA is owned by Bank of America.
- These people have a fake id with my name on it!

Talk about OWNED! Anyway, the fraud department is going to take care of it and I'll be clear, but hell, this sucks. Thankfully, I put the fraud alert on my credit report. This didn't hit my credit report as the card was already applied for and the account active (even though the card had expired). Sucks...

[Repost Squintz]

damn, that sux.

[~The_Duke~]

Good luck with that one man...that sucks that they like to act like you aparantly...are you sure you dont have a stalker...

[VTECin5th]

damnnnnn

[bijan gxe]

shit bro...

can i borrow 2k for some brakes?

[Ruiner]

Good luck with that one man...that sucks that they like to act like you aparantly...are you sure you dont have a stalker...

I'll be okay. :)

[Ruiner]

shit bro...

can i borrow 2k for some brakes?

Why not just work for them? You wouldn't like my interest charges on $2k. :)

[N/A EK]

Damnn that sucks, hope everything works fine out for you.

[brads94accord]

hey man if you have any questions about ID theft/fraud and the process shoot me a PM....i work in the fraud department at chase and i used to work for MBNA so i know all the ins and outs.

[~The_Duke~]

I'll be okay. :)

You drive a GT2 lol

I think you'll be fine to...

[ShooterMcGavin]

the beauty of fraud protection :goodjob:

[Fast Shadow]

Be careful with Bank of America, they're a bunch of bitches. There was an interview on Clark Howard the other day where a guy who sold his bike on Craigslist went to his BofA branch to deposit the check the buyer gave him. It turned out the buyer was a scammer and the check was bad. So the BofA teller called the cops and had the seller arrested when all he was was an innocent victim. The seller was thrown in jail and bonded out for $25,000. Clark Howard had two Senior VPs from BofA on his show to discuss their criminal actions and they acted like a bunch of cocks and didn't give two shits about nearly having ruined an innocent man's life over someone else's bad check. BofA are bigger crooks than the identity theft rings.

[The Ren]

Damn boy.. someone wants to be like you alot huh

[brads94accord]

that doesnt make them bitches...they were following procedure. they made a mistake, people make mistakes. if you worked at a bank and someone was trying to deposit a bad check wouldn't you be suspicious? If you only knew the amount of check kiting and money laundering that goes on today and all of the national regulations banks have to follow you would understand.

the reason they didn't say anything to clark howard is to avoid saying the wrong thing. thats why there are certain PR people you have to talk to. and to Bank of America clark howard is just another reporter from one of the thousands of news stations across the country.

[£G2♣]

damn that sucks

[koukis14]

You drive a GT2? Anyway yeah I just bought some assbag an X BOX 360 and 6 games in Arizona. Fucking thieves need to die.

[RandomGuy]

You drive a GT2? Anyway yeah I just bought some assbag an X BOX 360 and 6 games in Arizona. Fucking thieves need to die.
gt2? wtf? since when

[Master Shake]

holy shit...that is fucking crazy. i would go back to previous address and kick-in someone's face.

[koukis14]

gt2? wtf? since when

You drive a GT2 lol

I think you'll be fine to.....

[ahmonrah]

that doesnt make them bitches...they were following procedure. they made a mistake, people make mistakes. .... yah, but i had the same thing happen to me. when my settlement check was given from my accident, i went through the same thing with WAMU. them fucker damn near had me arrested. even though i gave them all the info they needed, eventually it cleared but god dammit, if that wasnt the most hoop jumping i've done in my life.

[RandomGuy]

..
oic ... i guess that idiot is just misinformed, the 996 TT is not the same as the GT2... both are badass cars to the next level, but not the same car.


anyways i almost got identity jacked... remember my thread lol

no charged popped up (just yet) but i filed many fraud reports :)

[MeFryRice]

That's funny that you ran into this problem, especially with BOA. I had this problem with mine two-weeks ago although mine was only $758. They cleared it up and I had to get everything refreshed.

[Stormhammer]

hmm - yea they're allowed to atuomatically switch you or whatever, apparently nowadays you're suppose to send a written letter saying no i dont want that or some shit

[Ruiner]

You drive a GT2? Anyway yeah I just bought some assbag an X BOX 360 and 6 games in Arizona. Fucking thieves need to die.

I drive a 996 turbo, but it's close enough to a GT2 I guess you could say.

996 turbo = AWD, twin turbo
996 GT2 = RWD, twin turbo

The only real difference between the two is a slight boost increase, removing the front diff so that it is RWD, and putting in a more track-ready suspension. That's about it, really. The look pretty much the exact same 'cept for minor cosmetic chanegs.

If I removed the front diff (made it RWD), put in a lower suspension, and upgraded the boost slightly with slightly larger turbos, I'd basically have a GT2.

[Ruiner]

hmm - yea they're allowed to atuomatically switch you or whatever, apparently nowadays you're suppose to send a written letter saying no i dont want that or some shit

Right, but that requires you actually READING the shit that they send you. ;)

[4dmin]

just be glad you caught it... my wife before we got married had a school credit card that someone used to purchase online porn... she was getting charged 30$ a month for over a year and a half before she found out... she never looked at the bill b/c mom/dad just sent her money to pay everything. so by the time we caught it we could only take off 90 days worth, and had been paying for over a year for porn we didn't get :2up:

[The Yousef]

sorry to hear about that brandon....atleast you had the fraud alert on your credit report to help you...

[HeLLo iM iZzY]

thats some BS !

[koukis14]

I drive a 996 turbo, but it's close enough to a GT2 I guess you could say.

996 turbo = AWD, twin turbo
996 GT2 = RWD, twin turbo

The only real difference between the two is a slight boost increase, removing the front diff so that it is RWD, and putting in a more track-ready suspension. That's about it, really. The look pretty much the exact same 'cept for minor cosmetic chanegs.

If I removed the front diff (made it RWD), put in a lower suspension, and upgraded the boost slightly with slightly larger turbos, I'd basically have a GT2.

Yes I know the diiference between the two a guy that lives down the street from me has both, and a Carerra GT, and an 06 M5, and a Cayenne TT. Anyway I support your taste in fine automobiles

+1:goodjob:

And sorry about the credit card fraud, I hope they catch the fuckers and chop thier hands off.

[iloveboost]

I know it's hard to think of, but it might possibly be someone working for MBNA/BOA that might have sold your information.

I worked for two of the largest banks in the southeast/country (that I will leave nameless) and have seen tons of fraud, firsthand.

Before leaving the last bank I worked for, one of the tellers I managed was selling customer information by the piles. All top tier customers. Social Security numbers, addresses, bank account numbers, phone numbers, and anything else you would need to steal someone's identity. Within the first week of this teller no longer being employed there, over $15,000.00 of fraudelant activity was found and the money was gone.

While some people cover their tracks, shred important documents, and keep their info tightly secured, you'll always be vulnerable to this type of stuff.

Check your credit often. You're entitled to free credit reports each and every year; use them! People don't realize how costly it can be to just get your identity back.

Bank of America has one of the better fraud prevention teams I've seen along with Wachovia. They're usually good about getting your money back to you as soon as possible.

I'd report it to Experian, Equifax, and TransUnion that someone is trying to steal your identity and to put a flag on your social security number. The only downside to this is they will have to verify very detailed information everytime you apply for new credit. Buying a new car, jewelry, applying for a new credit card and other processes will also take much longer.

Best of luck trying to maintain your identity.

[Ruiner]

I'd report it to Experian, Equifax, and TransUnion that someone is trying to steal your identity and to put a flag on your social security number. The only downside to this is they will have to verify very detailed information everytime you apply for new credit. Buying a new car, jewelry, applying for a new credit card and other processes will also take much longer.

Best of luck trying to maintain your identity.

That was already done last time this happened 1 month ago. The reason why this didn't flag is because it was already an active account. They somehow got the card info, so nothing was needed in terms of my credit history or that would throw up a flag.

[brads94accord]

That was already done last time this happened 1 month ago. The reason why this didn't flag is because it was already an active account. They somehow got the card info, so nothing was needed in terms of my credit history or that would throw up a flag. also if you file a police report that you were a victim of ID theft and send your police report to the credit bureau they will extend that alert to 7 years as opposed to the normal 90 days.

[Ruiner]

also if you file a police report that you were a victim of ID theft and send your police report to the credit bureau they will extend that alert to 7 years as opposed to the normal 90 days.

Now, I DID NOT know this. Thanks for the info! I've already filed one and this new incident will be added.

[brads94accord]

Now, I DID NOT know this. Thanks for the info! I've already filed one and this new incident will be added.

yeah most people dont know this. That fraud alert is your best most proactive protection against Identity theft..all those credit monitoring programs are a waste of money IMO. I'm surprised they didn't try to contact you regarding that situation? MBNA has a very good fraud department.

[Ruiner]

yeah most people dont know this. That fraud alert is your best most proactive protection against Identity theft..all those credit monitoring programs are a waste of money IMO. I'm surprised they didn't try to contact you regarding that situation? MBNA has a very good fraud department.

Well, someone got ahold of my card. I never physically received it. Those same people had my info in order to validate the activation. The card had a $25,000 limit, so $9k didn't seem too outrageous to them I would imagine. With that said, when they did validate the card, they might have given them a fake number so that they (MBNA) wouldn't be able to contact me and have me bust up their scheme.

[brads94accord]

well they can still find your phone # i know that MBNA's fraud department utilizes the same people search system that we do in the fraud department here at chase. they can find your contact info in public record. its not necessarily the proportion of balance to limit thats suspicious in that situation...its the fact that your card was inactive and then there was a large purchase made, i would have called on that in a heartbeat. and if they called to activate your card i know that they dont have as strict of a policy on card activation as we do here. but either way you wont be responsible and neither will the bank chances are if the limo company is legit they will be getting the bill anyways for the 9g's :D if they aren't legit it will get charged off.

[{X}Echo419]

.....*edit* Apparently MBNA automatically switched me from a Mastercard to an AMEX card as I didn't reply back to their letters and tell them that they couldn't. What kind of fucked-up shit is that? They automatically switch me if I don't respond back? .....

2 things:

1. v2. so this has happened b4?
2. you should read ALL letters from the CC companies. ever notice that when a bill is due they call you but if they want to do something that they don't think you'll like, ex. raise your intrest rate they send a letter. it's because they know 90% of people won't read they letter alowing them to do whatever they want. all they have to say is, "we sent you a letter and gave you X days to contact us."

[Ruiner]

well they can still find your phone # i know that MBNA's fraud department utilizes the same people search system that we do in the fraud department here at chase. they can find your contact info in public record. its not necessarily the proportion of balance to limit thats suspicious in that situation...its the fact that your card was inactive and then there was a large purchase made, i would have called on that in a heartbeat. and if they called to activate your card i know that they dont have as strict of a policy on card activation as we do here. but either way you wont be responsible and neither will the bank chances are if the limo company is legit they will be getting the bill anyways for the 9g's :D if they aren't legit it will get charged off.

My phone # listed on the account was a cell phone, so it isn't listed in public records like that. I haven't had a land line in over a year.

Yeah, you would think that a 9k charge after no use after 1.5 years would raise a flag. Who knows...

[Ruiner]

2 things:

1. v2. so this has happened b4?
2. you should read ALL letters from the CC companies. ever notice that when a bill is due they call you but if they want to do something that they don't think you'll like, ex. raise your intrest rate they send a letter. it's because they know 90% of people won't read they letter alowing them to do whatever they want. all they have to say is, "we sent you a letter and gave you X days to contact us."

I read all my letters 'cept for these as I hadn't used or activated the new cards in over 1 year. It was an inactive account. I had NO idea that they would (or could) switch cards on me. Go figure.

[speedminded]

I drive a 996 turbo, but it's close enough to a GT2 I guess you could say.

996 turbo = AWD, twin turbo
996 GT2 = RWD, twin turbo

The only real difference between the two is a slight boost increase, removing the front diff so that it is RWD, and putting in a more track-ready suspension. That's about it, really. The look pretty much the exact same 'cept for minor cosmetic chanegs.

If I removed the front diff (made it RWD), put in a lower suspension, and upgraded the boost slightly with slightly larger turbos, I'd basically have a GT2....all equaling about 220lbs lighter ;)

[ShooterMcGavin]

My phone # listed on the account was a cell phone, so it isn't listed in public records like that. I haven't had a land line in over a year.

Yeah, you would think that a 9k charge after no use after 1.5 years would raise a flag. Who knows...

must be an mbna thing, citi has put a hold on my CC as well as call me whenever they detected "unusual" spending habits.

[speedminded]

must be an mbna thing, citi has put a hold on my CC as well as call me whenever they detected "unusual" spending habits.Who's says a $9k limo is unusual? :tongue:

[ShooterMcGavin]

^^^it would be for me :goodjob:

[speedminded]

^^^it would be for me :goodjob:you know, i try not to do it more than once a week...it looks bad when it's a non-profit organizations money.

[ShooterMcGavin]

^^^el oh el, you're such an upstanding guy :D

[Ruiner]

must be an mbna thing, citi has put a hold on my CC as well as call me whenever they detected "unusual" spending habits.

No, it did flag, but they didn't make a call. Instead, the merchant had to call in and then the person that using my identity got on the phone, verified the info per the questoins asked, and then also presented a photo id to the merchant. Scary, huh?

[{X}Echo419]

I read all my letters 'cept for these as I hadn't used or activated the new cards in over 1 year. It was an inactive account. I had NO idea that they would (or could) switch cards on me. Go figure.
well, maybe next time you get a letter from the CC Co. you'll read it and take other steps to secure your credit and credit cards.

[speedminded]

^^^el oh el, you're such an upstanding guy :Dor you can be like what's his name and be personally bankrupt and just live off a sheltered company...all they way down to food, clothes, car [maybach], and house.

[SL65AMG]

my best friends family got screwed for $70,000 dollars in credit card fraud. AND they are stuck with paying it off.


so i hope for your sake that you dont have to pay it. granted theres a slight difference between 9,000 and 70,000 but it still sucks ass

[brads94accord]

my best friends family got screwed for $70,000 dollars in credit card fraud. AND they are stuck with paying it off.


so i hope for your sake that you dont have to pay it. granted theres a slight difference between 9,000 and 70,000 but it still sucks ass

there's more to the story than mentioned...people dont just get stuck with 70,000 in credit card fraud....there is a very thorough investigation process that goes on that most people dont know about. the only way you would be responsible for it is if you had some part in it.

[Ruiner]

well, maybe next time you get a letter from the CC Co. you'll read it and take other steps to secure your credit and credit cards.

It wouldn't have mattered. I never physically took possession of the card anyway. It appears that it was somehow stolen before it even got to my mailbox and/or while in my mailbox.

[Ruiner]

my best friends family got screwed for $70,000 dollars in credit card fraud. AND they are stuck with paying it off.


so i hope for your sake that you dont have to pay it. granted theres a slight difference between 9,000 and 70,000 but it still sucks ass

Oh, I am already taken care of. If your friend's family has to pay out $70k, then there is something that you aren't telling me.

[99SI]

talking about them having an id made that happened to my dad. He started getting bills from Home Depot, Lowes, Tweeters, and Circuit City. They opened store accounts in his name. They had ID's with all his info on it with their picture on it, they had a copy at Tweeter's, it was some black dude. They maxed out each of the cards even getting a $5,000 stereo install in their car at Tweeters lol. It took a shit ton of paperwork and filing a police report and the bad thing is that it still shows up on his credit report but is marked as a fraud case. He had never had a credit card, doesn't use the internet at all. They think someone stole their mail one day and apparently were able to get enough info to use. On the credit app they had where he worked, how much he made, the phone number, all the other relevant personal info also. It was some crazy shit.

[Vteckidd]

man that was a fun night. thanks again Ruiner!

justk idding

[Ruiner]

talking about them having an id made that happened to my dad. He started getting bills from Home Depot, Lowes, Tweeters, and Circuit City. They opened store accounts in his name. They had ID's with all his info on it with their picture on it, they had a copy at Tweeter's, it was some black dude. They maxed out each of the cards even getting a $5,000 stereo install in their car at Tweeters lol. It took a shit ton of paperwork and filing a police report and the bad thing is that it still shows up on his credit report but is marked as a fraud case. He had never had a credit card, doesn't use the internet at all. They think someone stole their mail one day and apparently were able to get enough info to use. On the credit app they had where he worked, how much he made, the phone number, all the other relevant personal info also. It was some crazy shit.

No credit card can now be opened under my name/SS# without the credit agency first calling my cell phone. :)

[Ruiner]

man that was a fun night. thanks again Ruiner!

justk idding

I assure you, the police will be knocking on the door of the person who did this. There is one hell of a paper trail that will link them back. :) When you do ANYTHING with a limo driver, that activity is logged (such as if you stop for dinner, or at a club, or get taken to a hotel). There are ways to track you down. It's just a matter of time and looking over the paper trail to make connections.

[Vteckidd]

damn str8 and i hope you whoop their ass

[Ruiner]

damn str8 and i hope you whoop their ass

I won't need to whoop anyone's ass. It didn't affect me one bit aside from a quick phone call. The police can deal with this. Is credit card fraud a federal offense? Federal prison is not somewhere where you want to go, that's for sure.

[Vteckidd]

DAMNIT you know what i mean :)

i hope they die an burn in hell, samuel L jackson style

[Brady]

federal pound me in the ass prison.

[~The_Duke~]

I won't need to whoop anyone's ass. It didn't affect me one bit aside from a quick phone call. The police can deal with this. Is credit card fraud a federal offense? Federal prison is not somewhere where you want to go, that's for sure.

I think if it is over 5g...I think it will be when who ever this is gets caught...

[SL65AMG]

Oh, I am already taken care of. If your friend's family has to pay out $70k, then there is something that you aren't telling me.

idk.... i mean im close to the whole family and i doubt they would be involved.... its fucked up but im 99% sure they had NO part in it... then again...there may be something i dont know

[Ruiner]

idk.... i mean im close to the whole family and i doubt they would be involved.... its fucked up but im 99% sure they had NO part in it... then again...there may be something i dont know

It's rather easy to prove that you didn't purchase something and/or personally use your card at a location.

[God]

sucks , my boa card was comprimised somehow and was used for 7, and it was my debit card #, no clue how they got it, i got the money back within days but since it was right before labor day weekend, it was about a week or so before i got a new debit card, that part was annoying

[chnco]

I work for MBNA/BOA, and I'll make sure you don't get your money back!! :D :D

[RedGTS]

I have my debit card info stolen last month, (they made a fake copy of the card somehow...?)what a fucking hassle


took 2 weeks to get $3000 back


MBNA can also get on my ball sack,

later

[Julio]

sucks bro. I would do a credit freeze if I was you. I think in the state if GA you can do this until the peeps with your personal info are caught or they stop.. shit sucks bro.

[Ruiner]

I work for MBNA/BOA, and I'll make sure you don't get your money back!! :D :D

I never lost my money and/or paid the bill, so I am good. :)

[Ruiner]

sucks bro. I would do a credit freeze if I was you. I think in the state if GA you can do this until the peeps with your personal info are caught or they stop.. shit sucks bro.

The card's account has been suspended/killed.

[Julio]

The card's account has been suspended/killed.


thats good. Hopefully thats all the info they had access to.

[Ruiner]

thats good. Hopefully thats all the info they had access to.

No, they have ALL of my info. Fortunately, I have set up a fraud check so that NO cards can be opened under my name unless the credit company calls my cell phone first and I authenticate that this is a proper inquiry.

[Julio]

No, they have ALL of my info. Fortunately, I have set up a fraud check so that NO cards can be opened under my name unless the credit company calls my cell phone first and I authenticate that this is a proper inquiry.



thats even better then a credit freeze. :goodjob:

[mrt0mjones]

had my Debit card swiped by an associate, he just used the credit option everywhere he went..

bought cigarettes and booze (both require id) and got away free, untill i tracked down the gas station filed a report, and finally got the fker on tape.

gluck ruiner,

T0m