CurlTalk

Has this happened to anyone here?

I pulled up my bank account this morning and there were fraudulent charges to my account in excess of 600.00; someone lifted my number online is what I think happened.
One of my last transactions was done here (not at curl mart) and one other place I visited. I don't use my debit card too often and all the purchases that were fraudelent against my account were online merchants like match.com (that was the red flag, my husband and I both looked at each other with a pretty funny look), gevalia.com, all of them were "dotcom" places that were charged so I think my number was stolen online, and I still have my debit card so I never lost it.
I'm thinking that I may have a virus on my computer (spyware or something) or something else happened. It's totally possible that my number was stolen via another route.
I just wanted to let you all know this happened in case and to be careful. I don't think it happened here, but being as it was one of the last two places I visited before the fraudulent charges appeared I wanted to send this out to all of you so you are aware and cautious. I have never ever had a problem here, I really enjoy this site and all of the ppl I have met here. I hope nobody gets offended by this post as it is entirely meant to help protect our curly community here.
Hair Type-3b Location: Florida
John 3:16
Poo: Jessicurl HCC, As I Am
Conditioners: Aubrey Organics, KCKT, CJ HBDT, Darcy's Botanicals
Leave In/Styling: KCCC, Darcy's Botanicals, SS
Favorites (HG): KCCC; spiral solutions jelly; darcy's botanicals, FSG
No-No's: castor oil, beeswax, glycerine, silicones
LOVE: aloe vera, agave nectar, shea butter, flax seed gel; good DT's once a week
/home/leaving?target=http%3A%2F%2Fpublic.fotki.com%2Fdiscobug71%2F" class="Popup
password: curly

Comments

  • lovemycurlzlovemycurlz Posts: 330Registered Users
    discobug wrote: »
    I pulled up my bank account this morning and there were fraudulent charges to my account in excess of 600.00; someone lifted my number online is what I think happened.
    One of my last transactions was done here (not at curl mart) and one other place I visited. I don't use my debit card too often and all the purchases that were fraudelent against my account were online merchants like match.com (that was the red flag, my husband and I both looked at each other with a pretty funny look), gevalia.com, all of them were "dotcom" places that were charged so I think my number was stolen online, and I still have my debit card so I never lost it.
    I'm thinking that I may have a virus on my computer (spyware or something) or something else happened. It's totally possible that my number was stolen via another route.
    I just wanted to let you all know this happened in case and to be careful. I don't think it happened here, but being as it was one of the last two places I visited before the fraudulent charges appeared I wanted to send this out to all of you so you are aware and cautious. I have never ever had a problem here, I really enjoy this site and all of the ppl I have met here. I hope nobody gets offended by this post as it is entirely meant to help protect our curly community here.
    OMG! I am so sorry that that happened to you. I had that happen once to me via Paypal. I about flipped out! Whomever stole my info was making direct debits to my personal banking account. I absolutely freaked out. Lucky for me I was able to stop the 2nd transaction through my bank but Lord knows if I wasn't diligent in checking my account I would have been so screwed. I hope that you find the culprits and stop them. Keep us posted please.
    Coarse--M. Porosity--Frizz Prone--3/3b hair. HATES: Glycerin , Mineral Oil,various proteins,silicones.

    Wash: L'oreal Ever Pure for color treated hair
    Condish : Terax Crema (simply the best)
    Leave-In: KCKT
    Prep: ? Looking for the HG
    Curl Enhancer: Alterna Hemp Straightening Balm
    Stylers: PM Foam
    Love: ACV rinses and baking soda washes. :flower:

  • discobugdiscobug Posts: 404Registered Users
    Thank you so much, it has been quite stressful!
    The weird part is there were two charges via paypal that came out of my checking account (my paypal was linked to my checking account via my debitcard); BUT, I don't really understand how the person used my paypal account or if it was another paypal account with my number added on or what, or if the person got my info off paypal and then inserted another name when the transaction was made....it's all a blur. The weirdest part is that Paypal is supposed to protect you from that, so, why wasn't it stopped when my account number was used with another name?
    I am done using paypal and I will not do online transactions any more. I will use the old fashsioned way. I closed out all my paypal stuff, deleted it entirely. The card was canceled out too.
    Anyway, it was sort of freaky b/c there were only 2 online places I have visited when I noticed the fraudulent charges. I will probably never find out who it was.

    Oh, and one last note, we ran a spyware check after I left this site and spyware showed up (low threat level).
    Who do I contact here at nc.com?
    Hair Type-3b Location: Florida
    John 3:16
    Poo: Jessicurl HCC, As I Am
    Conditioners: Aubrey Organics, KCKT, CJ HBDT, Darcy's Botanicals
    Leave In/Styling: KCCC, Darcy's Botanicals, SS
    Favorites (HG): KCCC; spiral solutions jelly; darcy's botanicals, FSG
    No-No's: castor oil, beeswax, glycerine, silicones
    LOVE: aloe vera, agave nectar, shea butter, flax seed gel; good DT's once a week
    /home/leaving?target=http%3A%2F%2Fpublic.fotki.com%2Fdiscobug71%2F" class="Popup
    password: curly
  • redcelticcurlsredcelticcurls Posts: 17,502Registered Users
    Wow. I'm sorry that happened.

    I've had low level threat turn up from sites, but that usually dealt with cookies instead of theft.

    I'm sure that you could PM Gretchen or Michelle.
    Kiva! Microfinance works.

    Med/Coarse, porous curly.
  • SuburbanbushbabeSuburbanbushbabe Posts: 15,402Registered Users
    I'm really sorry that happened to you. It's my worst nightmare (well, one of them). I bank and pay bills on line, I have my bank account # (not debit card) linked to PayPal and I frequently shop on-line.
    My blog - /home/leaving?target=http%3A%2F%2Fsuburbanbushbabe.wordpress.com%2F" class="Popup
    My FOTKI - /home/leaving?target=http%3A%2F%2Fwhatsnew.fotki.com%2Fsuburbanbushbabe%2F" class="Popup
    comic-p.jpg

    Playing with my hair is a hobby. Fluffy, fine natural 4a. Goal= Healthy, beautiful hair that retains its length.
    Hear that crash? It's me falling off the CG wagon.
  • Curly Girl FlaCurly Girl Fla Posts: 1,834Registered Users
    I have one of those security random code fobs from PayPal. I know nothing is foolproof, but it was only $5.00, and I think it will certainly deter a novice thief. Basically the device is linked to your account- you need to add the random 6-digit code that is generated when you push the button immediately after you enter your password in order to access your account. And, if not using PayPal, NEVER use a debit card online. A credit card is much easier to enter a dispute with...and I ALWAYS create a Shop Safe number to use online-a virtual cc # that is connected to your real cc #, but you set the amount and expiration date limits. Once a number is used, even if there is a balance remaining, only the party that original accepted the funds can be paid with it again. Most cc/banks offer something similar on their credit and sometimes debit cards. And even if it is handled to your satisfaction online, authorities recommend filling out a police report for your records. It's scary business, identity theft...I'm sorry you've had to go through this...
  • stormstorm Posts: 204Registered Users Curl Neophyte
    Im sorry to hear about this..But not all spyware scans and checks are effective..What virus/malware/spyware scanner are you using at the moment? Have you tried "Avast"..Its home version is free and pretty effective against Trojans(spyware). Let me know what yorue using right now and ill give you the Avast download link.
  • CaliforniaWavyCaliforniaWavy Posts: 158Registered Users
    I've had it happen to me (before I was on this site though). I never lost my card either and when I had gone to the grocery store to buy groceries for a Christmas dinner, I was declined. I knew I had money and when I investigated it, someone had been making on-line charges as well. In my case, I think my card number was stolen from one of those credit card skimmers that thieves attach to the machines when you make a purchase (they are small most people wouldn't notice them). That's the only way I can think of that someone could have gotten access to my debit card and used it as a cc online. It's no fun, that's for sure.
    Mod CG since 9/08
    2b/2c Thick Hair
    Fotki: /home/leaving?target=http%3A%2F%2Fpublic.fotki.com%2FCaliforniaWavy%2F" class="Popup

    pw: wavy

    Currently using:
    Wash/Co-wash: Suave Naturals Coconut, Giovanni TTT, Elucence MB
    Conditioner: Kenra Moisturizing, Generic Biolage Balm
    Deep Treatment: Jessicurl WDT or GVP mixed with olive oil
    Styling faves: Giovanni DLI, KBB products, Boots, MOP Curl Cream, KCCC, HEBE
    Current Color: Salon highlights



  • discobugdiscobug Posts: 404Registered Users
    Thanks so much guys. Our protection comes with our internet through road runner, it's a good protection service they offer.
    I haven't checked the account since Wed. b/c I haven't had a moment to breathe, need to pay a bill tomorrow, scared to look to be honest but I need to check. The girl at the bank is watching it for me so I sort of just had to leave it for a day or two until everything cleared to see the total damage and now I'm just so overwhelmed with it that I don't want to log into my account! I have to tomorrow b/c I have to pay my cell phone bill but no other debit card charges should be on there since we cancelled the cards Wednesday.
    What a pain!!
    Hair Type-3b Location: Florida
    John 3:16
    Poo: Jessicurl HCC, As I Am
    Conditioners: Aubrey Organics, KCKT, CJ HBDT, Darcy's Botanicals
    Leave In/Styling: KCCC, Darcy's Botanicals, SS
    Favorites (HG): KCCC; spiral solutions jelly; darcy's botanicals, FSG
    No-No's: castor oil, beeswax, glycerine, silicones
    LOVE: aloe vera, agave nectar, shea butter, flax seed gel; good DT's once a week
    /home/leaving?target=http%3A%2F%2Fpublic.fotki.com%2Fdiscobug71%2F" class="Popup
    password: curly
  • wavycurly40+wavycurly40+ Posts: 2,017Registered Users
    One other thought -- just because your stolen card number was used for online shopping, that doesn't necessarily mean it was stolen online. We had our debit card number stolen while we were traveling, and we're pretty sure it was "grabbed" out of the air when we used our debit card in a restaurant. What can happen is: somebody with a laptop computer, and a particular type of software, can steal numbers being used nearby (if the business doesn't have a particular kind of security)

    It's very hard to trace exactly where a number was stolen from, of course. It could have been online shopping, in your case. In our case, it could have been a restaurant employee. But we were in an all-wireless city, and there were loads of people using computers in an outdoor plaza area near the restaurants.

    Just a thought.....

    Wurly and proud!
    Modified CG since 2008.
  • KindaWavyKindaWavy Posts: 383Registered Users
    One other thought -- just because your stolen card number was used for online shopping, that doesn't necessarily mean it was stolen online. We had our debit card number stolen while we were traveling, and we're pretty sure it was "grabbed" out of the air when we used our debit card in a restaurant. What can happen is: somebody with a laptop computer, and a particular type of software, can steal numbers being used nearby (if the business doesn't have a particular kind of security)

    It's very hard to trace exactly where a number was stolen from, of course. It could have been online shopping, in your case. In our case, it could have been a restaurant employee. But we were in an all-wireless city, and there were loads of people using computers in an outdoor plaza area near the restaurants.

    Just a thought.....

    I was going to say this, also. If the only spyware detected was low level, it's unlikely to be your culprit.

    If your browser is IE, I'd consider firefox in addition to a good virus detection prog and firewall.

    :)
    Photobucket acct: /home/leaving?target=http%3A%2F%2Fs432.photobucket.com%2Falbums%2Fqq48%2FKindaWavy%2F" class="Popup
    pw=hairhairhair

    Shampoo bars w/Organic ACV rinses
    KBB milk wash out, Super Silky leave-in
    Donna Marie CCB, KCCC, FSG, and Cocoa Hemp Buttercream to scrunch the crunch.

    2C/3A, slightly past BSL.
  • MagooMagoo Posts: 2,173Registered Users
    We had this happen with our debit card. I never use my debit card for online purchases (we have one credit card with a low balance that we use just for that purpose) but I do use it when I'm out shopping or at the gas station.
    We got a call one afternoon from our bank because they had noticed several back to back withdrawals within minutes of each other. We both had our debit cards so I'm thinking the info was stolen when I had used it while shopping. I suspect it was at a gas station since that's the one place where the guy actually walked away with my debit card to go swipe it. Of course, I have no way of proving it.
    They managed to take $500 dollars out but thankfully, the bank replaced it.

    It's very upsetting and frankly, it really p*ssed me off.
    3b/c fine, thick, porous, protein sensitive
    Modified CG, CJ Rehab, JCWDT, KCKT, VO5 Chamomile Tea Therapy, CJDF, HEBE Gel/Mousse, Bioinfusion Rosemary Mint shampoo, occasional protein

    Experimenting with BRHG

    "If you want the rainbow, you've gotta put up with the rain"
  • marinacurlzmarinacurlz Posts: 1,720Registered Users
    Yes be careful. It happened to my brother and his wife last year. They drained their checking, and then their savings, of more than $5,000 dollars. They had to go through such hell to get their money returned and to get the schmuck prosecuted. He told me to make sure that I use something secure like Paypal and to only buy from places that I can trust and to never give out my #.

    I agree, I have firefox as well as PC-cillin Internet security.
    /home/leaving?target=http%3A%2F%2Fpublic.fotki.com%2FTLGuerrero%2F" class="Popup

    password: curly

    3B w/3A underneath

    Medium texture
    Average porosity

    Crazy-picky hair; likes some oils and proteins, but not others, can tolerate some glycerin.

    Current products-
    Co-wash: Suave/Vo5/TJ Refresh
    Rinse out & Leave in: Suave Tropical Coconut/Garnier Triple Nutrition
    Gel: Herbal Essences Set Me Up/Aussie Tizz No Frizz
  • SariaSaria Posts: 15,963Registered Users
    I just saw my statement had a charge to lavalife that I most certainly had nothing to do with. I've never had this happen to me before. Thankfully, it was only for $44.99 and when I called them, they said that it showed up as card that has been flagged because they realized it was used fraudulently.
    por-que-no-te-callas.jpg
  • ZinniaZinnia Posts: 7,339Registered Users
    Sairis wrote: »
    I just saw my statement had a charge to lavalife that I most certainly had nothing to do with. I've never had this happen to me before. Thankfully, it was only for $44.99 and when I called them, they said that it showed up as card that has been flagged because they realized it was used fraudulently.

    Are you saying that with visiting this site, someone stole your credit/debit card number?
    Life shrinks or expands according to one's courage. Anais Nin
  • SariaSaria Posts: 15,963Registered Users
    I am not sure it would have been this site, though this is the first time this has ever happened to me.
    I have virus and spyware protection. This was a firewall issue, I'm sure.
    First thing tomorrow morning I'll go to my bank and get a new card.
    I'm just glad my account didn't get wiped out over this.
    por-que-no-te-callas.jpg
  • JillH410JillH410 Posts: 594Registered Users Curl Neophyte
    I had actually JUST read this article before coming over here to do my daily browsing...

    /home/leaving?target=http%3A%2F%2Fwww.switched.com%2F2008%2F11%2F03%2Fsneaky-trojan-horse-swipes-data-on-500-000-bank-accounts%2F%3Ficid%3D100214839x1212392813x1200762413" class="Popup

    It doesn't give really any information on how to tell if you've got the Trojan, but maybe with a little digging it'll come up with something.

    And I'm so sorry this happened to you! Scary, that's for sure.:thumbdown:
    cowash: Tresemme Naturals
    rinse out: Garnier Triple Nutrition
    Leave in: Suave naturals, whichever scent I'm into at the moment
    gel: Garnier Fructis or LA Looks

    3a-3b - high porosity
  • JillH410JillH410 Posts: 594Registered Users Curl Neophyte
    Here's a good page to look at it that will let you know if you've got the Trojan.

    /home/leaving?target=http%3A%2F%2Fwww.bitdefender.com%2FVIRUS-1000140-en--Trojan.Pws.Sinowal.AU.html" class="Popup

    I'm not sure if I'd use the program that's on the page because I'm not familiar with it and can't vouch for it, but at least this gives you something to look for to see if it's even something to be concerned about.

    Here's a program to use to remove if you do have the Trojan:

    /home/leaving?target=http%3A%2F%2Fwww.softpedia.com%2Fget%2FAntivirus%2FNorman-Sinowal-Cleaner.shtml" class="Popup
    cowash: Tresemme Naturals
    rinse out: Garnier Triple Nutrition
    Leave in: Suave naturals, whichever scent I'm into at the moment
    gel: Garnier Fructis or LA Looks

    3a-3b - high porosity
  • ZinniaZinnia Posts: 7,339Registered Users
    Jill,
    Is the Trojan targeted to Windows operating system?
    Life shrinks or expands according to one's courage. Anais Nin
  • JillH410JillH410 Posts: 594Registered Users Curl Neophyte
    It actually looks like it's targeted to Windows and Mac users. One of the posts I read said that to be completely safe use Linux, but I don't know hardly anyone who uses Linus as an OS. It affects Internet Explorer and Mozilla, so even using a different browser doesn't help. Looks like a pretty nasty Trojan.
    cowash: Tresemme Naturals
    rinse out: Garnier Triple Nutrition
    Leave in: Suave naturals, whichever scent I'm into at the moment
    gel: Garnier Fructis or LA Looks

    3a-3b - high porosity
  • marinacurlzmarinacurlz Posts: 1,720Registered Users
    Gotta be careful with those Trojans, my brother works for Jostens(yearbook and superbowl ring co.) and he would always build me computers. The last one I had got several Trojans, but the virus software was able to delete them, or quarantine them. However, a "worm" is your worst enemy. That's what killed my last pc. It actually "eats" it's way through your hardrive and totally ruins your pc. There are many free virus removing services, by yahoo and others. If you do a search under the virus you have you can usually find such sites. Also check into PC-cillin it costs a bit up front, and then yearly to renew, but it's kept my pc virus free. Plus it saves you money in the long run not having to replace it. Best of luck with your pc.
    /home/leaving?target=http%3A%2F%2Fpublic.fotki.com%2FTLGuerrero%2F" class="Popup

    password: curly

    3B w/3A underneath

    Medium texture
    Average porosity

    Crazy-picky hair; likes some oils and proteins, but not others, can tolerate some glycerin.

    Current products-
    Co-wash: Suave/Vo5/TJ Refresh
    Rinse out & Leave in: Suave Tropical Coconut/Garnier Triple Nutrition
    Gel: Herbal Essences Set Me Up/Aussie Tizz No Frizz
  • ZinniaZinnia Posts: 7,339Registered Users
    I thought most of those Trojans didn't affect Macs. What type of virus protection is good for Macs?
    Life shrinks or expands according to one's courage. Anais Nin
  • JillH410JillH410 Posts: 594Registered Users Curl Neophyte
    This Trojan is one of the most advanced Trojans they've ever seen. It doesn't "show" itself and doesn't do anything to your computer to where you can tell something is wrong or it's infected; it just runs silently in the background, stealing your banking information, passwords, log-ins, address books, etc. Because of how advanced it is, it's been able to be "dispensed" for over 3 years by the same people - to both PC's and Macs.

    You're right, usually viruses were aimed at Windows users and didn't affect Macs as much - but that was because not as many people used to use Macs as they do now. With the growing popularity of Apple more and more people are using Macs so viruses and Trojans are being written to infect them as well as PC's.

    Here is a link that has different information on anti-virus software that is for Macs:

    /home/leaving?target=http%3A%2F%2Fantivirus.about.com%2Fod%2Fantivirussoftwarereviews%2Ftp%2Faamacvir.htm" class="Popup

    It includes some reviews of the more common Antivirus software, like MacAfee and Norton, that are made for Macs. I don't personally use a Mac so I can't really give a whole lot of advice as far as which one is better versus another.

    For my antivirus software for my PC I use Antivir. It's free and I haven't ever had a problem and I've been using it for about 6 years or so. The only thing is that with this particular Trojan, even though some Antivirus programs are catching it and deleting it or quarantining it, it has the ability to reinstall itself because it has a rootkit written into (technical term for it can't be deleted without a special program that specifically looks for that rootkit). That's why it's recommended to use something that is specifically written to get rid of the Trojan.

    If anyone is interested, /home/leaving?target=http%3A%2F%2Fwww.free-av.com%2F" class="Popup is where I get my antivirus. Just click on download and then click on the one on the left - Avira AntiVir Personal.
    cowash: Tresemme Naturals
    rinse out: Garnier Triple Nutrition
    Leave in: Suave naturals, whichever scent I'm into at the moment
    gel: Garnier Fructis or LA Looks

    3a-3b - high porosity
  • discobugdiscobug Posts: 404Registered Users
    Thanks everyone for your input and help, I appreciate it and I'm sure everyone has learned some valuable information to help us stay protected.

    What really scares me is the last purchase I made was online through paypal. All the fraudulent transactions were through the internet, purchases all done online and some through paypal and I have a paypal account. The person pretended to be me because some of the things that were ordered came to my house (the coffee from Gevalia and the business cards which were blank from vistaprint.com).
    It is just so weird, b/c if you are going to order something with someone elses card why would you have what you purchased not delivered to someplace where you would be able to obtain the goods that were ordered? I don't get that and that is what makes me think that my number and information was stolen online b/c I had to fill out shipping info. and paypal has my address which is where I made the last purchase.
    I put a fraud alert with the credit agencies just in case b/c it is just so odd.
    Any ideas from anyone why someone would use my debit card to order things online and have the items they ordered shipped to my address? I'm telling you I am a little freaked out!

    Thanks everyone!! :confused1:
    Hair Type-3b Location: Florida
    John 3:16
    Poo: Jessicurl HCC, As I Am
    Conditioners: Aubrey Organics, KCKT, CJ HBDT, Darcy's Botanicals
    Leave In/Styling: KCCC, Darcy's Botanicals, SS
    Favorites (HG): KCCC; spiral solutions jelly; darcy's botanicals, FSG
    No-No's: castor oil, beeswax, glycerine, silicones
    LOVE: aloe vera, agave nectar, shea butter, flax seed gel; good DT's once a week
    /home/leaving?target=http%3A%2F%2Fpublic.fotki.com%2Fdiscobug71%2F" class="Popup
    password: curly