Well that was fun

[shovenose]

Somebody tried to withdraw thousands of dollars from my bank account using my card... The bank blocked it and automatically cancelled my card .

But whoever did the fraud did manage to take most of what was in there and now I:

-have no card

-can't pay my bills

-have no money

I'll blame Adobe. Meanwhile, that's really damn frustrating!

 

[Jack]

That's why you keep most $ in a savings account and transfer it into your current account when bills are due!  opcorn:

 

[shovenose]

That's why you keep most $ in a savings account and transfer it into your current account when bills are due!  opcorn:

I know that now  

 

[Shados]

-have no money

And here I was under the impression that part of the surcharge on credit usage is insurance against fraud; shouldn't they give you the money back pretty quickly? IIRC, at most you should be liable for like $50.

 

[KS_Phillip]

What bank do you use?  My card was compromised once, and HSBC reversed all of the charges within 2 days.

 

[RiotSecurity]

lmfao, your bank is pretty good then.

 

[shovenose]

I have to get to the nearest branch and fill out some paperwork to get my money back within 7 business days

 

[Shados]

I have to get to the nearest branch and fill out some paperwork to get my money back within 7 business days

Well, that's what short-term loans are for . Or just having a backup line of credit, that always helps.

 

[shovenose]

Well, that's what short-term loans are for . Or just having a backup line of credit, that always helps.

And... I have no credit history so that would probably not work

 

[jarland]

Really suspect adobe? I'm contemplating canceling my card. Got an after effects monthly subscription.

 

[KuJoe]

Usually big banks are better at handling things like this but when I was in high school somebody in Australia used my debit card to purchase hundreds of dollars worth of subscriptions to his website (each account was $19 so he created over 20 accounts with my card). It was a Friday so I just cashed my paycheck and was at the gas pump when my card was declined so I was afraid I would have been SOL for the weekend but I called up my small credit union and they returned the funds while I was on the phone so I could get gas to go to work. They unfortunately drained my savings account also since I had overdraft protection (I was horrible with money when I was in high school, still am actually which is why I don't have any credit cards in my name).

 

[MannDude]

...... I called up my small credit union and they returned the funds while I was on the phone so I could get gas to go to work.....

Thats what I love about my Credit Union. I've even goofed up a few times by having money in my savings but not my checking. They normally charge a hefty fee for overdrawing your account. But I call them and tell them it's not like I didn't have the money, it was just in the wrong account. They see this and reverse the charges.

It's weird because they'll take $30 out of my savings if I overdraft my checking account by $0.01. But they won't automatically take that $0.01 out of my savings to prevent me from overdrawing. Meh. Everytime I've called them about it though they've reversed the charge for me though, and that's been at least 4 or 5 times.

 

[shovenose]

Yes, I use a medium-sized local Credit Union but I do not like them. It's just that I had a youth account under my mom and when I turned 18 they upgraded me to a regular account, but I never bothered to move somewhere else. 

@Jarland, yes I suspect this was thanks to the Adobe hack. I signed up for the monthly Creative Cloud a while ago and so all my current credit card info was stored in their (compromised) system. It's too big of a coincidence to happen now of all times.

 

[mitsuhashi]

Go fill out the paperwork ASAP. The bank wants you to miss your deadline so they can just sit on their butts and not solve your problem, you know.

 

[shovenose]

Go fill out the paperwork ASAP. The bank wants you to miss your deadline so they can just sit on their butts and not solve your problem, you know.

Next day off I have is Friday. Might see if I can take a longer lunch hour at work tomorrow.

 

[peterw]

@Jarland, yes I suspect this was thanks to the Adobe hack. I signed up for the monthly Creative Cloud a while ago and so all my current credit card info was stored in their (compromised) system. It's too big of a coincidence to happen now of all times.

But the credit card numbers were encrypted. So I don't think that they are leaked.

I do have a Visa credit card assigned to a independent bank account were I do not have any overdraft. The current limit is 300$ a month, so even if someone gets all details not a lot of money is flying away. And I do have one month to reject any payments.

In the EU the credit cards are quite secure. If I want to buy something online I have to add:

• name
• cc number
• date of expiry
• address (cannot buy something for another address)
• telephone number
• CVV number
• and my Visa secure password in a popup

One transposed letter, one space in my telephone number and the payment is declined.

 

[CodyRo]

But the credit card numbers were encrypted. So I don't think that they are leaked.

Bingo - it's likely unrelated to the Adobe link. Corrleation != causation.

Unfortunate however - hopefully you can contact anyone you have bills with and they'll understand.

 

[rds100]

The credit card numbers might have been encrypted in Adobe's database, but for sure they were not one-way encrypted. Whoever could get the database probably could get the decryption algorithm / keys too.

 

[mitsuhashi]

There are also a lot of little-known hacks that admins don't publicize/never realize. Some douche tried to pay for his Thailand vacation and hotel breakfast using one of my rarely-used credit cards a few months back.

 

[CodyRo]

The credit card numbers might have been encrypted in Adobe's database, but for sure they were not one-way encrypted. Whoever could get the database probably could get the decryption algorithm / keys too.

Without knowing how their infrustructure was setup it's difficult to say however I'd say the majority of Fortune 500 companies will be using a HSM to handle the keys and not something silly like what WHMCS does (placing a arbritrary key in a config file on the same machine).

Generally speaking it's a locked down system / for all intents and purposes a "one-way-street".