RD and stolen credit card numbers

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mobow

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Just wanted to give a heads up reminder. I just learned that my card is being used in PA and NJ. Thanx to the breathen that gave the heads up last month about the breach in security at resturaunt depot. I notified my card company of the possibility and they closed the card down pretty quick when all the out of state charges started. Check your statements if you used RD in September thru Novemeber. I hate these scum and hope bad things come their way. keith
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WSM 22.5, CBJ, In The Key Of Que
 
All of this nonsense about checking IDs at registers "for your protection" hides the fact that most credit card thefts are done by store employees, as was the case at RD. They are not supposed to store things like your CCV number, but malware in the POS can capture everything.

Giving them your driver's license just makes identity theft easier. (Most credit card merchant agreements prohibit merchants from requesting an ID at a point of sale, something I cheerfully remind the stores of when I am being a troublemaker, which admittedly is most of the time. :wink:)
 
CBQ said:
All of this nonsense about checking IDs at registers "for your protection" hides the fact that most credit card thefts are done by store employees, as was the case at RD. They are not supposed to store things like your CCV number, but malware in the POS can capture everything.

Giving them your driver's license just makes identity theft easier. (Most credit card merchant agreements prohibit merchants from requesting an ID at a point of sale, something I cheerfully remind the stores of when I am being a troublemaker, which admittedly is most of the time. :wink:)
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i dont quite understand that part.. :confused: all of my credit cards, in the signature box, I have printed in marker 'REQUEST PHOTO ID'. I always figured its easier to duplicate my signature than my ugly face. i show it to them from my wallet and dont turn it over to them. Why does that make it easier for identity theft?
 
I've been to RD 3 times in the last week. Never did they do more than look at my photo on the driver's license. Nor did they look at the back of the credit card for the CCV number.

Benny
 
BBQchef33 said:
i dont quite understand that part.. :confused: all of my credit cards, in the signature box, I have printed in marker 'REQUEST PHOTO ID'. I always figured its easier to duplicate my signature than my ugly face. i show it to them from my wallet and dont turn it over to them. Why does that make it easier for identity theft?
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#1 Read your CC agreement - your card isn't valid unless signed and if the bank determines that your card was used fradulently unsigned they may choose to deny you reimbursement for fraudulent charges against your account.
#2 Every time you show ID (which is a violation of the store's merchant agreement - they aren't allowed to request it - unless your card is unsigned and then only to verify that you sign your card with the correct name) The cashier (who only looks like a slack jawed yokel) has access to your name, your full birth date, your address, and your zip code.
 
I always find it hilarious when the cashiers at Lowe's ask me for the last four digits of the card number used. Obviously no one ever explained to them that the whole point in the POS system asking for that is to ensure that the cashier was holding the card in his hand at the time of sale. Personally, I just think they should throw those self-swipe terminals in a river.

dmp
 
a letter was sent out to all RD members..I cancelled the one credit card i use there as soon as I read it..
 
If you ever want to read an interesting book on credit card fraud, read the book about Kevin Poulsen called Kingpin. It's a good read and it gives great insight in to how a lot of the credit card fraud is done. Point Of Sale systems was one of the primary ways he did it. His network of thieves used shoppers who would take the stolen (forged) cards and buy stuff at the stores and then sell it on ebay to turn it in to cash.
 
RD has never ever asked to see my drivers license when I use my card there even after this incident happened. :shock:
 
I think they got me too. Had some fraudulent charges show up on the card I used last month at the Depot.
 
I just saw this. Wish I had seen the previous posting. My card was stolen last week and I was wondering how they got it. That was probably it. I hate thieves.
 
My advice would be to cancell your card that you used at RD even if you haven't seen fradulent charges show up yet. That way you can avoid part of the hassle of filling out the paperwork. My card issuer wanted me to file a police report. Really? for $49? What is my local police dept going to do?

What really needs to happen is to have Visa/MC/Discover put pressure on their MERCHANTS to have the proper systems and security in place on their POS/credit card processing systems to prevent this. That would have eliminated 100% of the fraudlent charges that I have seen on my personal and business P-card programs over the past year.
 
didisea said:
My advice would be to cancell your card that you used at RD even if you haven't seen fradulent charges show up yet.
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If you used your card at RD during the period in question there is no maybe as to whether your card info was captured. The Malware captured every card used.


didisea said:
What really needs to happen is to have Visa/MC/Discover put pressure on their MERCHANTS to have the proper systems and security in place on their POS/credit card processing systems to prevent this. That would have eliminated 100% of the fraudlent charges that I have seen on my personal and business P-card programs over the past year.
Click to expand...
The dirty (not so) secret is that Visa/MC/AMX/Discover don't care. As a merchant I've reported possible fraud before a transaction multiple times and the answer is always the same - "it's up to the card holder to report it - do you want to process this transaction?"

Don't think that merchants don't care about fraud because in every case if there is a fraud charge back the merchant takes the full hit and is out the merchandise as well.
 
Hi guys,

when did this happen?

I got the letter, but I misplaced it somewhere
 
I would not advise any one to cancel a card as a result of this. Call your issuer and have them issue you a new account number (PAN), but to keep the same account. Canceling a credit card can reflect negatively on your credit score. Opening a new one to replace it is even worse. Debit cards don't have this issue.

I would also say that payment companies and associations care very, very much in reducing fraud and protecting information. The PCI DSS is in place specifically to protect against this type of situation. Obviously RD had a breach, but I can almost guarentee you that they will be fined heavily for it. PCI breaches are serious business. I would question, were you reporting fraud to the association or to the acquirer, or even worse, to the ISO?

dmp
(Worked for an acquirer, merchant, fraud protection company, and data security specialist. Been through many PCI audits.)
 
Thanks DMP, that is what I did.

American Express is even overniting my new cards,,,,,,,
 
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