Way OT: Identity theft and Dell Computer rant

Page 2 of 2  

wrote:

Move further up the food chain and write Dell's VP.
Here is a sample letter from:
http://clarkhoward.com/topics/complaint_letter.html
(date) John Jones Regional Vice President ABCD Company 500 Main Street Suite 100 Anywhere, USA Dear Mr. Jones, I regret having to write to you about an unpleasant experience I've had with your company. I prefer to contact a company only in praise of an employee or the company's actions. Unfortunately, my situation is such that it is necessary for me to forward a complaint to you. (In this area, give the specifics of the complaint. Say who you've spoken with about the problem, what attempts you've made to solve it and what specific action you would like.) I look forward to hearing from you. I hope you can respond within 30 days, so that we are able to resolve this problem in a speedy fashion. Sincerely, (your name)
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

Update:
Dell Fraud called and what little information we have is being sent to India.
The bank fraud specialist called and said the info was stolen via the internet. I have a VERY strong suspicion which website it was. Until I know for sure I won't say which one. I'm on hold with them right now.
Jim
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

I'd highly recommend using a service like Paypal that lets you generate one time use credit card numbers. This is the only way to make purchases online for any site you might have reservations buying from. I'd also suggest creating a custom checking account apart from your normal one if you choose to attach it to the paypal account and only keep enough funds in it to meet requirements for the account and your purchases. It only takes a couple of days to transfer money from one account to the other. This covers most of the bases and will give you a much higher level of protection.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Matt Williamson wrote:

I have a Mio prepaid MasterCard which I use for online purchases from people I've never dealt with before. The money is in the account right after I go to a vendor who can load the card. I put in just enough to cover the purchase. I had someone try to make a car payment with my card number soon after I bought some stuff on the web from a company in California. My business Visa debit card is never used to buy from anyone I don't know well. https://www.miocard.com /
TDD
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

are readers that can be put on gas pumps and ATMs that look like the real thing but grab the information before passing it on through. I always pull at the card reader on the gas pumps and only use bank attached ATMs (since I figure they will be more likely to make things good instead of having me be interviewed on the TV about my experiences--Grin)
--
To find that place where the rats don't race
and the phones don't ring at all.
  Click to see the full signature.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
My point was to punt the whole thing and tell the CC/debit card company to make good. I would NOT want to pay money and wait for a refund.
If it would be necessary to get credit watch, I would insist the CC/debit card company pay for it on penalty of me leaving their institution immediately. Let them sort things out.
--
Best regards
Han
email address is invalid
  Click to see the full signature.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

Yeah there is that...and then there is reality.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

Yes. I bought something a couple of years ago at a Kmart. Less than $10. Used a Sears credit card I never use. A few months later I get a call about a $9K charge for a couple of items charged to my card, and whether I had indeed made those charges. I said no, and bytheway, please cancel the card - I don't want it if Kmart/Sears personnel can steal the number that easily. Yes I did identify the store where I had bought that les than $10 item.
--
Best regards
Han
email address is invalid
  Click to see the full signature.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

$9k? Somebody had a good time.
My 1st card was a Sears card. I paid for a power hand saw for about 5 years until figured out the minimum payment was less than the interest.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
wrote:

When up to the ass in alligators - always remember to drain the pond.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Master Betty wrote:

You can use Pig Latin to tell us which web site you suspect...
Only those friends of yours here who know how to decode it will be informed.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

For all I know it may have been the bank now that I think about it.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
Master Betty wrote:

My son had some fraudulent transactions on his bank account last year, along with several co-workers. Transactions were in Romania, got his money back. Payroll systems would be lovely sites to hack, especially with so many people using electronic deposit for paycheck .. all the ID one could imagine and the amount to spend on top of it all.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

Yes, I would not use a debit card online. I have heard that with a debit card you still have some protection if you notify your bank within two days of the fraudulent charge.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload
On 1/15/2010 1:44 PM, Master Betty wrote:

involved. In my experience, if you can document with them that you were unable to resolve the issue with the merchant, the bank will make good. However, (also in my experience) all bets are off when it comes to overseas transactions made with a US based account. The credit laws that provide certain consumer protections only pertain to domestic transactions. In my case, the fraudulent charges were on a credit union debit card which carries the same protections as do credit cards. Look around, you may be able to find a bank or credit union that issues debit cards with creditcard equivalent protection.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

This is what the bank's fraud specialist said:
"The 45-60 day period is how long it takes for the credit union to resolve the dispute with the merchant. We issue you provisional credit (like a temporary refund) while we are waiting on the merchant to respond to our dispute. Once the merchant responds, we will reverse the temporary credit we gave you and refund it again, but as permanent credit. This process is per regulations and to keep our books straight. You should not be without those funds for longer than a day or two. This would be once the charges have posted to your account then we generally take about a day or so to put the temporary refund back into your account."
Basically, the merchant has to prove I charged the items. If they can't, the bank reverses the charges.
I'm not too worried about the money but I sure as hell don't want the guy to cash in with a new computer. I doubt this guy will receive anything if he hasn't already. I emailed and/or phoned each merchant within a few hours of the purchase. One of the purchases was for airline tickets. Unless he hopped right on the plane I would think he's SOL. He may have got his jollies off at ImLive.com, but I got that money back already. This story has everything!
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

The credit union (CU) is owned by the members. I had a call from the CU one day. Used the card in Vegas and then Florida on the same day. Just a call on the phone made me appreciate the CU.
One can also request that a ONE time debt amount is limited to say $300. The CU will call and verify the transactions.
Add pictures here
<% if( /^image/.test(type) ){ %>
<% } %>
<%-name%>
Add image file
Upload

Related Threads

    HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here. All logos and trade names are the property of their respective owners.