Trying to use stolen credit cards

[Lady Companion]

I'm sure it's a burner phone, but the name shows up as Jesse Timmerman. Phone number 604-649-0100

Probably about 50. White, very small and thin.....almost frail looking. 5'8" at most. Very short hair. Old dark blue/black tattoo on side/back of neck. Comes across as very polite and nice. Smokes tobacco from a very large portable vaporizer.

When I asked for the donation, he says "Do you take credit cards". That is a red flag for a problem, as that is something you would generally ask beforehand if you weren't sure.

I swipe the card, and ask for photo ID with matching name (as is always required to use a CC. I don't care if you cover up your address. I just want to confirm that you have at least gone through the effort to create fake ID for all your stolen cards ;-)

Interestingly.....he has the PIN for the card.

He says he left his ID in the car, and will be right back. The name on the card is typically a female name.

The card declines with a 477 error (to call for authorization.....which usually means it was a card that was reported as stolen).

He never comes back. I still have the card. And I call in to see what the issue was.

They confirm the card was reported as stolen, take down the information I have about him, and are really happy to hear that the entrance has video surveillance.

I'm still in possession of this stolen card, but he may have a pocket full of them.

 

[Boobfetish]

Cudos for catching him and not getting ripped off.

The sad fact is that stolen credit cards are so commonly stolen that their value on the black market is almost negligible - >$10 in bulk. Extremely well organized just like the malware and spam industries

https://www.deepdotweb.com/2015/05/...-launched-a-fully-automated-credit-card-shop/

http://www.tripwire.com/state-of-se...et-credit-cards-are-used-on-the-black-market/

https://www.deepdotweb.com/2015/05/...-launched-a-fully-automated-credit-card-shop/

 

[PierreCoeur]

It's amazing how long credit transactions have been accepted in human history and there still isn't a fool proof device or card preventing fraud. It's not as if identification technology is non existent, as much as the cost for using it must still be more than the cost for credit card fraud. But then again the truth might be more complicated and there might be other reasons behind using chips and pin numbers rather than finger print or retinal scanners

 

[Riza]

I have been getting a few that want to pay ahead of time over the phone. "I'm getting this for my nephew as a birthday present and will pay for it now by phone. yah........right........sure lol.

Talk about red flags going up. I sometimes play with it a little by saying "no problem but your nephew has to bring government photo ID which I will scan and attach to the receipt for my records. Nice thing is when I ask for that I never hear back from them. Does anyone actually believe that??? Obviously a stolen card or using dads card without authorization. Be careful girls especially if you are using a square reader or something like that. I have TD pos terminal and takes cc/debit and gives be some protection with using pin and chip. The squares are easy to have the charges reversed and its up to you to prove its a valid transaction.


Been there done that, its a nice way to make a good day go to bad real quick

Stay safe.

 

[SeekSteadyRegSP]

Kudos for asking him for ID that matches the credit card. Not many businesses have ever done this

It is idiotic to do that.

For when a business signs a contract with the big credit card companies, it contains an agreement that the business won't ask for ID.


So why would someone risk their contract with one of the big credit card companies just for some random dufus?

Furthermore, it's the credit card company, and not the business or the dufus who pays the bulk of the loss on a fraudulent transaction, so it is their shot to call.




If you have any common sense, you should sign the back of your card, as instructed, and never succumb to that moronic "See ID" stupidity which, in theory, renders your card useless for not containing a signature.


If the worker at the business knows (and cares about) the rules, he/she simply shouldn't accept such cards.


The signature comparison alone is enough... and the risk involved is assumed mostly by the CC company...


How about we get society to do it correctly for a change?