fandomsecrets | [ SECRET POST #2620 ]

[ SECRET POST #2620 ]

⌈ Secret Post #2620 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.

01.

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02.

[My Mad Fat Diary]

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03.

[Stargate Atlantis]

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04.

[Andromeda]

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05.

[True Detective]

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06.

[Samurai Flamenco]

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07.

[Star Trek: DS9]

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08.

[Supernatural]

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09.

[Wild Adapter]

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10.

[The Bletchley Circle]

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11. [ns]

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12.

[Junior Prom - Prelinger Archives Video]

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Notes:

Secrets Left to Post: 01 pages, 015 secrets from Secret Submission Post #374.
Secrets Not Posted: [ 1 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Flat | Top-Level Comments Only

The PIN secret seemed fitting for my day today.

My bank recently canceled my debit card, as I had used it at Target during the whole hacking incident. I got the new one today, but lost or didn't receive the letter with my new PIN. I called the bank number on the card envelope, and the lady who answered asked the usual identification verification questions.... and then some (?). Then she flat out asked me what I wanted my new PIN to be. I hesitantly toward her the number and she set it up. I thought we were never supposed to say our PIN on the phone or to anyone ever, so it was kind of jarring. I've half convinced myself that the number was a fake (but it's on the bank website!) or the employee who I spoke with is secretly going to steal all of my (non-existent) money. Is this normal?

Then, while my current debit card was canceled and before I set up the new one today, I tried to buy something with my credit card, which uses a different company. That card was canceled, too! I never use my credit card, too much of a hassle to worry about, and I certainly didn't use it at Target. I called the credit card company and they said they canceled it a week ago because of weird hotel charges. Apparently over February, the card had been used a bunch of times for strange Internet purchases, all of which were approved, until the final hotel incident. I don't have to pay for any of that, but the card has been buried in my wallet for so long, I'm just amazed that anyone got that information.

Not a good day for me financially, apparently. Have you ever been a target of fraud/scams/identity theft/whatever?

You're not supposed to give your pin to people who valley you. You callwd them and know they're your bank.

I had someone steal my credit card number and make a bunch of charges but honestly I wasn't even mad. I was just impressed by how quickly the bank caught it and took care of it. One phone call and I got a new card right away.

Once my mom's card was frauded and they spent it online on a bunch of cheap random shit. It's an Amazon card, so I guess it was connected to her Amazon account which has information like our home address. I think they ordered all this stuff on Amazon and just...forgot to change the address, because a bunch of it was delivered to our house.

Thankfully, she got it worked out, so the idiocy of it was pretty funny.

That's really funny that the stuff got sent to you!

Never found out exactly what was going on, but about a year after my older brother died we got a call from a collection agency saying that the phone company he'd had his cellphone service with had sent in a complaint that he wasn't paying his bill. This was a shock to my parents, because they had, had all his accounts and everything else closed and taken care of about two weeks after he died. Getting in contact with the phone company my mother was told my brother had renewed his contract with them after he had been dead for several months.

Eventually we at least got things sorted out with the collection agency, who were very professional about the whole thing and apologized profusely about what had happened. They then warned us that this phone company(I honesty don't remember which one it was or I'd give everyone a heads up. This was nearly 13 year ago, and I've never had a good memory at the best of times.) had done things like this before, and we might get a call from another collection agency. This was a yearly event for the next three fucking years, until they finally quit.

We never found out if there was some identity theft going on, or something, or if this phone company was just being massive douches to a grieving family.

It wouldn't surprise me if it was the company simply refusing to cancel the account because they probably figure they can squeeze just a little more money out of people by making closing an account as dufficult as possible. Your brother's death probably wasn't a factor in their actions, they likely just had an across the board policy.

I've heard that AOL was notoriously hard to cancel. They'd say "Yes, of course! Your account is now closed!" but wouldn't actually do it. People would either have to cancel the credit card the account was linked to or call up pretending to be their own next of kin and claim the account holder died (at least they'd respect that as a good reason for cancellation).

I've had the same card canceled twice, no fault of my own.

I had an odder theft/fraud. I order withdrawal slips from my bank, but they never came, so I ordered more (through my bank). Well the bank apparently sent them to someone else and they withdrew money from my account and since it's a savings account, I only get statements every 3 months. It was a nightmare to sort out and I don't use the preprinted withdrawal slips anymore at that bank.

One time, my bank called me to ask me whether I had tried to pay for a $2000 carpet cleaning service. The payment didn't go through because my card had a $1000 limit on it. And I lived in a college dorm at the time, so that most definitely wasn't me. I checked my account and yep, somehow my card had tried and failed to get charged for this. So they canceled the card and sent me a new one ASAP.

If it's bugging you, is there a way you can change it again online? Or a branch where you can reset it?

Personally, I think you're good, but it never hurts to be safe.

Had a credit card number stolen once (shouldn't have been using it over open wi-fi) and I was relieved to discover, when the bank showed us the list of fraudulent charges, that they included not one but TWO paid memberships to ChristianSingles.net, or some site like that.

See, having two separate paid accounts on a dating site means that you're up to no good. People who are just looking for love don't do that. Therefore, the person who stole the card number was almost definitely running an old con called the Lonely Hearts, where you get the mark to fall in love with you from a distance, then have them start sending you money. Choosing a Christians-only dating site lets you use classic affinity-group scam techniques, as well as preselecting for marks that have been trained to shut off their critical thinking when they hear certain words. And using a stolen card number to buy the memberships means that even if the mark wises up, there's no way they can get their money back because even if the site cooperates, everything traces back to a dead end.

In other words, I was relieved to see those charges because I'd been afraid that we'd been taken advantage of by some dimwitted 4chan script kiddie, but instead we'd been taken advantage of by a competent professional criminal. That's MUCH less embarrassing.

I can't speak for your bank, but at the one I work at we're not supposed to see the customer's PIN: if they need a new one we're supposed to slide the key pad around for the customer to key it in themselves. I don't know our call center's exact policy but I'm guessing they're not supposed to change it because I've actually had a couple customers in the last few days I've had to change PINs for who mentioned they talked to the call center first and were told to come into a branch. That said, if you called the bank number yourself rather than them calling you, it's more likely an inexperienced or poorly trained employee (I have had plenty of issues before trying to fix a mess our call center caused by giving people the wrong info). Remember this person probably talks to hundreds of people a day and deals with a mess of account numbers and social security numbers and deposit amounts and everything, the odds of them remembering both your PIN and your card number are slim (and if they wanted to steal money from someone, they could've just changed your PIN to anything they wanted without even talking to you). If you're still nervous, then I'd definitely suggest going into a branch and having someone there change it, though.

Someone kept trying to access my bank account digitally and each time they tried my bank shut my entire account down and sent me a letter explaining what happened. It kept happening for a couple of months then the bank did something and it stopped. Mostly it was annoying cause I'd go to buy something and dun dun dun bank card declined...but I'm pleased at how the bank just...stopped everything each time.

Flat | Top-Level Comments Only

[ SECRET POST #2620 ]

Scams and frauds

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