General > General Technical Chat
"FU^%ING" Credit-Cards!!!
David Hess:
After a run in with Google, my experience now is that two factor security which relies on email or phones (or security questions) is less secure.
AlexJackson:
A credit union I had years ago completely screwed me over for about 3 months. Had a card through them I used for a handful of purchases over the years. Suddenly one morning I wake up and see I'm -$3500 in 5 or so transactions. Called the bank and they were useless over the phone so I had to physically show up. Found out that my card was used all over the world in a 2 hour period and to prevent any issues with my bank, I had to "come up with the funds to cover the overage".
So when I'm 15 cents short (though my savings could cover it with their so-called overdraft protection), they deny the charge completely and still stick me with a $37 'insufficient fee', yet people who are very obviously not me can rack up several thousand $$$$ purchases over the course of a couple hours and the transaction sticks? Before they would even consider doing a fraud investigation they wanted me to get a police report (from Spain, Italy, Russia, India, & France) as that's where my card was used. Long story short after fighting them for nearly 3 months it got straightened out and they still wanted me to cover the 5 insufficient funds fees. That took another couple weeks for me to fight. That should've been my clue to change credit unions though I was with them for well over close to 2 decades.
Fast forward to my current bank, they call me if there's a questionable charge and ask for my next step, I'll have a new card in 6 business days and no 70 point increase on my blood pressure.
SilverSolder:
--- Quote from: David Hess on July 03, 2020, 09:12:11 pm ---After a run in with Google, my experience now is that two factor security which relies on email or phones (or security questions) is less secure.
--- End quote ---
Sounds ominous, what happened?
David Hess:
--- Quote from: SilverSolder on July 04, 2020, 02:18:13 am ---
--- Quote from: David Hess on July 03, 2020, 09:12:11 pm ---After a run in with Google, my experience now is that two factor security which relies on email or phones (or security questions) is less secure.
--- End quote ---
Sounds ominous, what happened?
--- End quote ---
Google decided to require me to answer the security questions on an account which was old enough not to have them, locking me out of my own account. That account was my "secure" account and used to secure many other systems, which I was then locked out of.
GlennSprigg:
Note, from the O.P. :)
Her bank had contacted her the moment they suspected something wrong, after hours. Some may think it
is an intrusion of privacy, but they said they immediately noticed transactions out of the 'norm'. Her normal
'purchases' were for embroidery related things, from either local or 'specific' O.S. companies. I don't MIND
their level of 'tracking', otherwise we would put money in spaghetti tins and bury them n the back-yard!
Old card immediately blocked/cancelled, new card sent, to date 1/2 the money has been transferred back
into her account, and the rest shortly forthcoming. The banks team has tracked all the transfers, and is
working to trace all those involved without limits/boundaries, for THEIR good & for other customers.
Yes... We understand now that an actual 'Credit-Card' as opposed to a 'Debit-MasterCard' etc, means that
such 'perpetrators' are dealing with the 'Banks' money, instead of ours... however we DON'T all have such
options. As non-working pensioners, we do NOT have certain levels of 'Credit' available/open to us, and to
be honest, we don't want that any more, either! We both 'owe' nothing in life now, and would never want
to go back to 'Owing many thousands' on various cards, ever again! Companies want/need to see your
history though, and both of us 'owing nothing' for many years does NOT give us 'Credit' history!! :o
For instance, simply wanting a Rental-Car for Local/OverSeas... SOME don't like our (lack-of!) history?
We can make FULL payments, and deposits etc, but they almost WANT someone who is a 'Risk', because
they have historical names/addresses to follow up on if/when there is a problem... :o
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