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Okay, I apparently need a steaming fucking mad icon, which I don't yet have. A nice one with a weapon to stabbity the fuckers is apparently about all I can do...

So, guess who gets to deal with IDENTITY THEFT! Go on, guess!

Yeah, so... khaman posted a bit ago about some places breaking street date on Mass Effect for the 360, so I was trying to snap one up real quick on the online places that have it (Wal-Mart, Toys R Us off the top of my head... check her post for more info, or a link to more info, if you're interested in that).

So trying Walmart.com, I get the message that hey, either my billing address or expiration date aren't matching the card number, so that can't go through. "Wow, stupid store, they're obviously having computer problems" thinks I. So, annoyed, I go over to toysrus.com, and try to purchase it there. And get the same message.

So this, obviously, sets off some warning bells in the back of my mind, and I haul my ass over to the phone to call my card's service center, and find out WTF is going on. So... "WTF is going on?" asks I. "Oh, we have a *completely* different address on file than what you're telling us," says they. "Oh snap," says I. "Please hold while we switch you over to our fraud department," says they.

So while I'm on hold, I log into my account online, to check charges. Address is completely fucked up... for some place in Palm Court California (I wish I'd had the presence of mind to jot it down, just for my own info, before it got changed back, blah.) My statement looks okay... and then I check unbilled activity. And lo and behold, there's a charge for over 500 FUCKING DOLLARS to some place called zappos.com, which is apparently some goodamn shoe store, and where I have never shopped in my life, yet according to this I shopped at two damn days ago. So yeah, problems.

So after talking to the nice fraud guy and going through my various charges, I'm now going to get a nice affadavit in the mail with a list of charges, and I get to claim fraud on whichever ones are, y'know, fraudulent. Then they investigate, and if they deem it to be fraud (which if they don't, there is gonna be all hell to pay), then I'm not liable for any of the fraudulent charges. Which looks like this one, and there was one in preapproval from guess.com, which... no, just no. I'm assuming I won't be liable for that one anyhow, since the charge hadn't even gone through and the account got shut down.

So anyhow yeah, now my credit card is closed down, and because of the type of fraud it was (where it's possible they swiped my identity overall or something), I won't be getting the new card until after the investigation, which will probably be a month or so. And on Monday I get to call their city identity theft solutions center, to make sure they didn't open any OTHER accounts under my name or whatever. (They tried to transfer me over today, but had forgotten that it's closed on weekends). Apparently the address just got changed on the first, so I'm *hoping* they haven't had time to do much damage. Hoping.

Wish me luck guys, k?


( 17 Notes — Write a Footnote )
Nov. 10th, 2007 10:20 pm (UTC)
Hate that shit. As you say, good luck!
Nov. 10th, 2007 10:26 pm (UTC)
Thanks... right now the main worry is not knowing if, y'know, they've opened up new cards under my name and racked up thousands of dollars in charges on it that someone might hold me liable for. Even if 500 is really fucking something I can't just shell out to thieves, at least it's a definable number that I know, and not some unknown quantity that could still be floating out there, ya know? So I really wish that place were open on weekends so I could *find out*.
Nov. 10th, 2007 10:28 pm (UTC)
The credit card fraud division counts as filing a police report, right? That seems like just about the only other thing you can do to cover your ass right now, is make sure there's explicit record of you telling the authorities that no, that wasn't you.
Nov. 10th, 2007 10:52 pm (UTC)
I'd assume so, they didn't say to do anything else such as report it to the police, just to sit tight and wait.

I guess I'll make sure I ask on Monday when I talk to the people if there's anything else I should do.
Nov. 10th, 2007 11:12 pm (UTC)
Hooooly catshit! I was expecting to spot a 'I FOUND IT!!' gleepost based on your comment, at which I was going to be all 'y life so unfair?' (Because, incidentally, no go), but yikes!

I'm glad there seems to have been only a couple charges and may it sort out as quickly and smoothly as possible.
Nov. 11th, 2007 02:01 am (UTC)
well, I did borrow a credit card and order the damn thing from walmart.com with one day shipping (I figured I needed SOMETHING good after the rest of today), so hopefully I'll have it early next week, at least.
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Nov. 11th, 2007 09:31 am (UTC)
Dunno but hey, if they cancel, then I'll just pick it up from the store. The main thing I'm worried is that they'll hold off and ship it on the normal street date, which dude, ya know?
(Deleted comment)
Nov. 11th, 2007 01:50 am (UTC)
I've checked any place else I have that sorta shit, and they seem to be unchanged/uncharged, so it's apparently just that card that they've gotten hold of the info for, plus anything else new they might have been able to start with it.
(Deleted comment)
Nov. 11th, 2007 09:32 am (UTC)
I'm HOPING that, especially since logically, you'd think if they'd opened other cards with it they'd skip using the Sears one to make it even harder to spot and catch the problem in time. But thieves may not go by logic, ya know?
Nov. 11th, 2007 12:00 am (UTC)
Eek! That sucks! :(

Either your bank isn't very nice about such things or things have gotten more complicated in general.

Someone stole my credit card number and charged a couple hundred bucks to it about five years ago. BoA actually noticed before i did and suspended my card for me, and apparently tried to call me to confirm. I missed the call or something but noticed that my card wasn't working anymore and called them. They forwarded me to their fraud department, asked me if i'd bought a tv satelite dish or something like that in Utah or someplace like that, and when i said no said it would take a week or so to credit the money back but that they'd send me a new card right away. They may have sent a form for me to sign but if so it didn't hold everything else up.
Nov. 11th, 2007 01:51 am (UTC)
I really wish I had your bank. Although maybe things have just changed in general, since identity theft has been becoming more prevalent.
(Deleted comment)
Nov. 11th, 2007 09:33 am (UTC)
There's that, too. And the way he was saying it, it's the specific type of fraud here that is really making the extra steps necessary.
(Deleted comment)
Nov. 11th, 2007 01:57 am (UTC)
Wow, that's crappy.
Nov. 11th, 2007 03:02 am (UTC)
Been there. Someone working at a Chinese restaurant purloined our card number about 10 years ago, a week before a Vegas DFS. We caught it quickly, and our credit union helped us minimize the damage by canceling the card as soon as we found out about the bad charges.
Nov. 13th, 2007 03:58 am (UTC)
Lord, ew.

And I'm typing this as the extremely unhappy receiver of a phone call myself today. Corwin's "rash" seems appropriate. I'll post more details when it's resolved more...
Nov. 14th, 2007 02:35 am (UTC)
gah, here's hoping that whatever it is, it goes well. Let us know.
( 17 Notes — Write a Footnote )