CREDIT CARD STATEMENT CHECK

Lesson of the day: don't put more money on your Paypay account than you have to...:kilroy:

I think Bushpilot's right; not linking your credit card with it seems the most secure to me...
 
PayPal's nickname of PrayPal is rightly earned. Give them money and pray that they'll give it back. They're actually under no legal obligation to at all. Anything you do with PayPal is at your own risk.

Unfortunately the card number generator trick is far from new and is aided a lot by the fact that most internet shopping systems just throw in the card number without checking any of the other umpteen things you have to enter "for security". Someone ordered £2000 (US$3500) worth of SCUBA gear using my card number from a store in Upstate New York, which was kind of interesting. I spotted it before the money had actually gone and contacted Nationwide, who issued my card. They did a very quick poke, said "Yep. That's a card generator. CVVC is wrong, address is wrong, name is wrong. The only thing that matches your account is the card number" - yet VISA had authorised the transaction. They just cancelled the transaction, phoned the company in NY to stop them shipping the goods and we kept our money. If that had been a credit rather than debit card and I didn't check my finances quite so often, someone would have got three and a half grand's worth of SCUBA gear they didn't pay for.

I ditched my previous bank after they handed over £450 to pay for T-Mobile mobile phones to someone who had swiped my number (nothing else, just the number) off a till receipt and then, after cancelling the card, paid out another £250 for a third top-end mobile phone using the same (cancelled) card number!

It is seriously well worth keeping a close eye on your accounts these days, whether you use a card on the internet or not.
 
Moe is that your email address out here for the whole world to see?? :eek:

In a thread about being ripped off you might want to edit your post somewhat!
 
Whats the difference...you guys send me email on my personal email all the time fussin about members and threads. On my profile I have the same email address...Mike
6297J said:
Moe is that your email address out here for the whole world to see?? :eek:

In a thread about being ripped off you might want to edit your post somewhat!
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d0mokun said:
I had an order run through on my PayPal account around 3 months ago now, for the tall order of about £370- all for boxed software from a US Computer Security store. PayPal said I could not prove that it wasn't me, therefore they would not refund me. My bank told me that without their co-operation, they were not prepared to do anything.

The lesson? Even if you think you are perfectly secure on the net- sometimes you are not!
:kilroy:
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So much for PayPals "you are protected" BS.
 
hey_moe said:
Whats the difference...you guys send me email on my personal email all the time fussin about members and threads. On my profile I have the same email address...Mike
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OK, that's something I would never do but - :salute:
 
Just for the record, I think you'll find that your address is normally hidden from the General Hordes and Masses, Moe - we hit a button that says "Contact" and don't normally see where it goes. That bit is handled "back room" by the forum software.

(And yes I just checked. Your profile does NOT show your e-mail address... Just buttons saying "send message to...")
 
You are right...my boo boo.
IanP said:
Just for the record, I think you'll find that your address is normally hidden from the General Hordes and Masses, Moe - we hit a button that says "Contact" and don't normally see where it goes. That bit is handled "back room" by the forum software.

(And yes I just checked. Your profile does NOT show your e-mail address... Just buttons saying "send message to...")
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That's probably the most foolproof way of getting your email spammed. Spambots browse through open webpages to find email addresses, and then voilà..:wiggle:
 
I have had that happen before and all I did was close that one out and open another one....no biggie.
 
I think Paypal is good but having a good CC is good also - Used Paypal and Citibank CC for a bad purchase of over $3500.00USD and all moneys refunded or written off from CC last year
 
I feel you can always get your money back from anyone. It all depends on how you handle it and who you contact to go after it.
 
I had my debit card number stolen, somehow, maybe a generator, last year. Luckily I always check my bank statements every night. Anyway, I had stuff sent to me from five different places. The idiot who used it didn't put in his own address. When I saw it on my statement, I went to the bank immediately, and all charges were cancelled. NEw card issued. Luckily, all online purchases thru my bank have the source and phone number listed, so I called all of them. Only one wanted the package back, the others let me keep the stuff! The fool even put HIS email address on the orders, so I turned it over to our local prosecutor. They got him for theft!

I was able to prove to paypal on one thing that I didn't order, got my money refunded.

Another thing on PAypal. Best thing to do with them, if your bank allows it, is open an account just for their (Paypal's) use. Only keep (transfer) enough money in it to cover expected purchases. Also, if your bank will allow/do it, get a debit card for THAT ACCOUNT ONLY, and link that one to your paypal account. These are what my bank had me do. Been accident free, since.
 
modelr said:
I had my debit card number stolen, somehow, maybe a generator, last year. Luckily I always check my bank statements every night. Anyway, I had stuff sent to me from five different places. The idiot who used it didn't put in his own address.
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NOW THAT IS A CLASSIC!

maybe he thought he was your SECRET SANTA? :icon_lol:
 
I understand how credit card numbers get stolen/guessed. But how does someone place an order with PayPal without knowing the password?
 
You can pay using PayPal without having a PayPal account.

But that's not their biggest problem, they're biggest problem is that it's like me walking up to a random bloke in the street and saying "can you give my money to that guy over there please?" - you're trusting them to hand your money over or give it back to you. They're not a bank, you have no protection at all when using them. They're just a company that passes your money on to someone else (or not, if they don't feel like it and want to keep it for a while).

The vast majority of the time, for the vast majority of people, they're not a problem. It's only when you have a problem with them that you discover that you have no protection or recourse and they have your money, which they are disinclined to let go of.

Now... why did my browser just submit that without me asking to, while I was still typing? Must have hit the mouse or something. Sorry about the edit.
 
Don't get mixed up between investment and "high steet" banking, Francois. High Street banking - unlike investment banking and PayPal - you have protection and regulation to supposedly stop you losing your money due to criminal activity. You have no protection at all when using PayPal, the same as you haven't if you buy stocks and shares (investment banking) and they lose all their value.

As long as people are aware and are still happy to use the system, then that's up to individuals. I don't completely avoid it, but don't do anything using them that I can't afford to lose.
 
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