I am a victim of Identity Theft :(

[cvfd1399 0]

Wife calls me last night asking if I made a purchase at a certian radio shack store in a town 100 miles from my house for $400....No why.... B/C there is that plus NSF charges on our checking account??? And both our pay checks have been deposited electronically and now there is a large amount in the account helpless!

Facts
Checking account with (2) Visa Check cards each have different numbers.
Both cards in our possession the whole time.
Bank says that the card was swiped through a card machine at radio shack store Location/store#_____ for this amount.
Call Radio shack and they have no reccord of any transaction of that amount in that town's store and that the store number the bank gave is not real.

Called bank back and got a hold on the account till this morning when I could get it canceled. Called the police who I am a member of, with all the bank statements and who I contacted with names and numbers. He stated that this seems very high tech, and that he is very interested in the situation to get all paperwork done with bank and visa(which will conduct an investigation) and get back with him while he contacts the police in that radio shacks town.

Went today to bank and got account closed and found out the ass clown that I spoke to last night only put a note on file, and never closed it so the fuckers could have ran up more charges. His boss was pissed.

Wife is a programmer and did some research with the searches including radio shack, scam, magnetic reader, number generator. She found directions on line about how to make fake credit cards with readable magnetic strips all from one stop at a radio shack!

So I am out $400 for 10 days while the bank refunds my account! I would like to beat the reproductive organs out of the fucker that did this. Hope I get the chance!!!

[Skycow 0]

Dude -- that sucks! What about those commercials that say they get the money back in your account the next day??

Enjoy here while you're here because there's no here there.

[EricTheRed 0]

VISA check cards are evil. Use a regular VISA and a seperate debit card that requires a PIN.

The problem with the VISA check cards is the $$$ comes out of your account and can cause you to bounce checks. You will then play holy hell getting your NSF charges back and the establishment that the checks bounced at CAN charge you for the NSF even if you prove fraud. If you don't pay, they may report you to their credit agency and then you pay holy hell clearing your credit record.
You will eventually get every thing straingt but no-one reimburses you forthe time and money you will spend getting it straight.

With a 'normal' credit card (not tied to your checking account) You would be out no $$ until the dispute has been resolved.

illegible usually

[blazetailman 0]

Same think happen but with checks. My truck was broken into and the got a hold of enough info to get what they needed.

It is a huge mess for me and my credit rating still to this day 5 years later. I think this so called victimless crime should have a high penaltiy. I mean where it really hurts. for years..

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[ryoder 1,590]

Quote

Same think happen but with checks. My truck was broken into and the got a hold of enough info to get what they needed.

It is a huge mess for me and my credit rating still to this day 5 years later. I think this so called victimless crime should have a high penaltiy. I mean where it really hurts. for years..

Identity theft is *NOT* a victimless crime!
Victimless crimes are those in which BOTH parties agree to the activity, e.g. prostitution, gambling, drug-dealing.

"There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones.

[cvfd1399 0]

The bank gave us that 10 day money in your account statement. I have not talked to visa yet. It requires a pin number, but they were smart enough to make a manetic strip they figured out a way around the pin number. Bank has refunded the nsf charges already.