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BronyMedic Add Favorite User Quote 2011-12-14 07:37:07 PM Ignore User
Can someone refresh my memory as to why we have three credit agencies in the first place?


What are you, socialist?

BronyMedic: Can someone refresh my memory as to why we have three credit agencies in the first place?

Free market, competition, etc.

This is one of the biggest non-stories ever. This stuff happens all the time.

There's tons of possibilities, but none of them are "thief wanted to buy credit protection for themself"

BronyMedic: Can someone refresh my memory as to why we have three credit agencies in the first place?

Actually, there are four - Link (new window)

CSB Time:

So, when I was 20, I had just moved to AZ and was looking for any job I could get. I interviewed for a phone solicting job selling credit card insurance. It's not really an interview as everyone gets the job really. So, the next day I went in and started working. This consisted of going through the phone book and cold-calling people one-by-one. You say hello, tell them your name, and launch into a spiel about how credit card fraud is a real problem these days. You explain that people have all kinds of ways of getting their cc number, including calling and pretending to be someone they are not. I felt sleazy just calling these people. After many, many failed attempts, I got a lady who was interested in buying this protection service from us. I was shocked and glanced at my book for the next step in the process. You can guess what it was; ask for their credit card information. Like anyone in their right mind, the lady became suspicious and said 'no thanks'. At that time, I was to hand the call over to a 'team leader' or some crap. Don't remember exactly what happened after that, other than that I left at the next break and never went back.

So someone had to be making money here using a stolen credit card number. I wonder what the affiliate fee is per signup.

I thought piggybacking on another's line of credit was legal?

/I keed

imprimere: CSB Time:

So, when I was 20, I had just moved to AZ and was looking for any job I could get. I interviewed for a phone solicting job selling credit card insurance. It's not really an interview as everyone gets the job really. So, the next day I went in and started working. This consisted of going through the phone book and cold-calling people one-by-one. You say hello, tell them your name, and launch into a spiel about how credit card fraud is a real problem these days. You explain that people have all kinds of ways of getting their cc number, including calling and pretending to be someone they are not. I felt sleazy just calling these people. After many, many failed attempts, I got a lady who was interested in buying this protection service from us. I was shocked and glanced at my book for the next step in the process. You can guess what it was; ask for their credit card information. Like anyone in their right mind, the lady became suspicious and said 'no thanks'. At that time, I was to hand the call over to a 'team leader' or some crap. Don't remember exactly what happened after that, other than that I left at the next break and never went back.

It's like Inception: A scam within a scam within a scam

As someone whose credit card number was just used last week, I'm getting a kick out of these.

Where did the perps use the card? Walmart. Of all places. So not only are they trying to screw me out of money, they're trying to screw me out of a job, too.

Student Bodies. One of the "greatest movie of all time"?

KvanCetre: This is one of the biggest non-stories ever. This stuff happens all the time.

There's tons of possibilities, but none of them are "thief wanted to buy credit protection for themself"

What the hell kind of word is themself?

lenfromak: KvanCetre: There's tons of possibilities, but none of them are "thief wanted to buy credit protection for themself"

What the hell kind of word is themself?

Singular they.

As opposed to "Thieves wanted to buy credit for themselves."

lenfromak: KvanCetre: This is one of the biggest non-stories ever. This stuff happens all the time.

There's tons of possibilities, but none of them are "thief wanted to buy credit protection for themself"

What the hell kind of word is themself?

A pronoun. Link

domo_kun_sai: Student Bodies. One of the "greatest movie of all time"?

My uncle was the principal in the movie!

Don't have credit.

/not worried!

I love how the person assumed he'd made a mistake by agreeing to purchase the product then, instead of contacting the company to discuss canceling the service and getting a refund, his immediate reaction is to file a dispute. What a tool. Disputing the charge is the penultimate action, not the first. The only thing farther down on the "I got ripped off" order of precedence is suing in small claims court after a dispute has been rejected.

First you call the company that made the charge and try to resolve the situation. If the tier 1 drone doesn't provide satisfaction, escalate. If that fails, then you dispute the charge.

My guess:
Some reseller gets X$ in commission for each "credit protection" service they sell, so they just sign up a bunch of random card numbers.

jtown: I love how the person assumed he'd made a mistake by agreeing to purchase the product then, instead of contacting the company to discuss canceling the service and getting a refund, his immediate reaction is to file a dispute. What a tool. Disputing the charge is the penultimate action, not the first. The only thing farther down on the "I got ripped off" order of precedence is suing in small claims court after a dispute has been rejected.

First you call the company that made the charge and try to resolve the situation. If the tier 1 drone doesn't provide satisfaction, escalate. If that fails, then you dispute the charge.

False.
Until and unless you dispute the charge, you still owe your credit card company and your number is still out there floating around, likely being misused.
But you go ahead and do what you want.

jtown: I love how the person assumed he'd made a mistake by agreeing to purchase the product then, instead of contacting the company to discuss canceling the service and getting a refund, his immediate reaction is to file a dispute. What a tool. Disputing the charge is the penultimate action, not the first. The only thing farther down on the "I got ripped off" order of precedence is suing in small claims court after a dispute has been rejected.

First you call the company that made the charge and try to resolve the situation. If the tier 1 drone doesn't provide satisfaction, escalate. If that fails, then you dispute the charge.

You sound like an uppity, company-first douche. I see nothing wrong with going to the card company for a suspect charge. I often cut to the chase when trying to settle things. It saves me a ton of time. For instance, if I want anything at all done with DirecTV, I ask for 'cancel service'. Taking your route causes me a lot of heartache and time. Credit card companies make plenty of money. Let them work for it.

Begoggle: jtown: I love how the person assumed he'd made a mistake by agreeing to purchase the product then, instead of contacting the company to discuss canceling the service and getting a refund, his immediate reaction is to file a dispute. What a tool. Disputing the charge is the penultimate action, not the first. The only thing farther down on the "I got ripped off" order of precedence is suing in small claims court after a dispute has been rejected.

First you call the company that made the charge and try to resolve the situation. If the tier 1 drone doesn't provide satisfaction, escalate. If that fails, then you dispute the charge.

False.
Until and unless you dispute the charge, you still owe your credit card company and your number is still out there floating around, likely being misused.
But you go ahead and do what you want.

Reading skills: Very important. The guy didn't assume someone else was using his card so "your number is still out there" makes no sense at all. He assumed the charge was the result of his own mistake. He only found out about the fraud when he did the correct thing and contacted the company that charged his account. And if you file a large number of disputes for issues which could have been resolved with direct contact, you can say goodbye to your card. Especially if it turns out the charges were legitimate as they would have been if he'd authorized the charge himself as he assumed.

Better luck next time.

Why do they even bother asking for your name and address when they don't even check to make sure it matches the person buying the product.

jtown: Begoggle: jtown: I love how the person assumed he'd made a mistake by agreeing to purchase the product then, instead of contacting the company to discuss canceling the service and getting a refund, his immediate reaction is to file a dispute. What a tool. Disputing the charge is the penultimate action, not the first. The only thing farther down on the "I got ripped off" order of precedence is suing in small claims court after a dispute has been rejected.

First you call the company that made the charge and try to resolve the situation. If the tier 1 drone doesn't provide satisfaction, escalate. If that fails, then you dispute the charge.

False.
Until and unless you dispute the charge, you still owe your credit card company and your number is still out there floating around, likely being misused.
But you go ahead and do what you want.

Reading skills: Very important. The guy didn't assume someone else was using his card so "your number is still out there" makes no sense at all. He assumed the charge was the result of his own mistake. He only found out about the fraud when he did the correct thing and contacted the company that charged his account. And if you file a large number of disputes for issues which could have been resolved with direct contact, you can say goodbye to your card. Especially if it turns out the charges were legitimate as they would have been if he'd authorized the charge himself as he assumed.

Better luck next time.

I've had a number of companies try to scam me with those stupid rewards and monitoring, from affiliate websites that do everything they can to disguise they "BUY NOW ONE CLICK" link as their "confirm receipt." Buy.com was REALLY bad about it, so I stopped buying there. If he's already been through the process once, he knows that the call will be anywhere from ten minutes to a half hour of being upsold on everything in the wold only to be told that they can't do it and their cancellations department is closed and please snail mail them at a nonexistent address so they can lose your mail and charge you for another month, until you just go to the bank anyway.

I don't blame him at all if he suspected it was a scam and didn't even know how to contact the company or assumed it was a mistaken charge. It says right on your credit card statement that you should dispute a charge if you believe it's in error.