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Criminals in Manila charged $4000 on my American Express!

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Criminals in Manila charged $4000 on my American Express!

Postby Scepcop » 01 Oct 2009, 02:40

Hi all,
I just found out today that I've been the victim of identity theft. Somehow, a few days after I left the Philippines, someone used my American Express card to go on a shopping spree all over Manila for food and clothes, charging around 4000 dollars. Holy shit. Take a look below at what was charged. I have no idea how this happened. Before I left the PI, all I used my AE card for was at SM Dept Store in the Mall, which is usually very safe. Could someone at SM Dept Store have taken my credit card receipt and somehow created a fake card? How is this possible without my 4 digit number on the front? Does anyone know how this works? Do they also create a fake ID with my name on it and their picture, to use when merchants ask for an ID? Or did someone see my card and memorize all the digits in a few seconds?

Fortunately I won't be responsible for these charges. The AE security dept already took care of them. But I wonder, who will take the hit for these charges? Either the funds get withdrawn back from the merchants, which would piss them off big time of course since Filipino businesses absolutely refuse to take losses of any kind, even small ones, or AE eats up the charges, or some third party insurance company pays for these charges. Does anyone know how it works? The Security Dept said it was classified info about how they handle such cases. I can't imagine any party willing to take 4000 dollars in losses.

But I hope they catch those bastards and make them pay. What are the odds that they will be able to catch them in the Philippines? The cops there probably don't even care, so who can they get in the PI to cooperate on tracking down the criminals?

Here are what those criminals charged on my card after I left the PI. I wonder how they can be spending 100 or 200 dollars at Starbucks or Pizza Hut! What, are they buying like 10 pizzas and 50 lattes a day or something for their whole criminal gang?


09/24/2009 Thu
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CHEF S QUARTER BRASSMANILA 0 68.58
Content here
09/24/2009 Thu
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DON HENRICO S (MALATMANILA 0 73.15
Content here
09/24/2009 Thu
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ITALIANNI S (MIDTOWNMANILA 0 21.77
Content here
09/24/2009 Thu
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PASEO DE BAHAMAS CAFMANILA 0 60.43
Content here
09/24/2009 Thu
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STARBUCKS (SM SAN LAMANILA 0 65.32
Content here
09/22/2009 Tue ARTSCO INC 0050 MONUMENT VALL 0 7.35
Content here
09/21/2009 Mon
*
CALIFORNIA PIZZA KITMAKATI CITY 0 63.52
Content here
09/20/2009 Sun
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BAKER S PASSION BREAMANILA 0 15.99
Content here
09/20/2009 Sun
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BAKERY & CAFE ITALIAMAKATI CITY 0 64.73
Content here
09/20/2009 Sun
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CAFE BRETON (R. ERMIMANILA 0 50.49
Content here
09/20/2009 Sun
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CHEF S QUARTER BRASSMANILA 0 73.36
Content here
09/20/2009 Sun
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DON HENRICO S (MALATMANILA 0 63.43
Content here
09/20/2009 Sun
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FLAPJACKS (MIDTOWN) MANILA 0 62.28
Content here
09/20/2009 Sun
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ITALIANNI S (MIDTOWNMANILA 0 43.15
Content here
09/20/2009 Sun
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KENNY ROGERS (R. ERMMANILA 0 49.79
Content here
09/20/2009 Sun
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MOMO FOOD & DRINK (RMANILA 0 60.41
Content here
09/20/2009 Sun
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PASEO DE BAHAMAS CAFMANILA 0 64.77
Content here
09/20/2009 Sun
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PIZZA HUT (GLORIETTAMAKATI CITY 0 66.71
Content here
09/20/2009 Sun
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RED RIBBON (GLORIETTMAKATI CITY 0 50.66
Content here
09/20/2009 Sun
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SHAKEYS (ROBINSON S MANILA 0 52.67
Content here
09/20/2009 Sun
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STARBUCKS (GPRS 1) MAKATI CITY 0 43.15
Content here
09/20/2009 Sun
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STARBUCKS (MAKEROOM)MAKATI CITY 0 64.73
Content here
09/20/2009 Sun
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TGI FRIDAY S (QUAD IMAKATI CITY 0 64.73
Content here
09/20/2009 Sun
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TGI FRIDAYS (PEDRO GMANILA 0 48.55
Content here
09/20/2009 Sun
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THE COFFEE BEAN&TEA QUEZON CITY 0 68.88
Content here
09/20/2009 Sun
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TONY ROMA S (A PLACEMAKATI CITY 0 65.81
Content here
09/20/2009 Sun
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UCC COFFEE CAFE TERRMANILA 0 41.00
Content here
09/20/2009 Sun WALKER DRUG MO899647MOAB 0 19.31
Content here
09/17/2009 Thu
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PIZZA HUT (SM-1) QUEZON CITY 0 50.57
Content here
09/17/2009 Thu
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RED RIBBON (MEGAMALLMANDALUYONG 0 54.10
Content here
09/17/2009 Thu
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RED RIBBON (SM CITY)QUEZON CITY 0 47.63
Content here
09/17/2009 Thu
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THE COFFEE BEAN&TEA QUEZON CITY 0 80.69
Content here
09/17/2009 Thu
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WATERING HOLE BREW PMANDALUYONG 0 69.75
Content here
09/16/2009 Wed
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GERRYS GRILL QUEZON CITY 0 43.32
Content here
09/16/2009 Wed
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MARINA QUEZON CITY 0 98.07
Content here
09/16/2009 Wed
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PIZZA HUT (MEGAMALL)MANDALUYONG 0 79.60
Content here
09/16/2009 Wed
*
STARBUCKS (MEGAMALL MANDALUYONG 0 53.89
Content here
09/16/2009 Wed
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STARBUCKS (SM-MOA) PASAY CITY 0 107.76
Content here
09/16/2009 Wed
*
STARBUCKS (TRINOMA) QUEZON CITY 0 107.76
Content here
09/16/2009 Wed
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THE COFFEE BEAN & TEMANDALUYONG 0 94.66
Content here
09/15/2009 Tue
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GOLDILOCKS BAKESHOP QUEZON CITY 0 51.58
Content here
09/15/2009 Tue
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STARBUCKS (SM NORTH)QUEZON CITY 0 106.98
Content here
09/15/2009 Tue
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STARBUCKS BR2 (SM-MOPASAY CITY 0 106.98
Content here
09/14/2009 Mon
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JOEY PEPPERONI PIZZEPASAY CITY 0 33.15
Content here
09/14/2009 Mon
*
KENNY ROGERS (SM-MOAPASAY CITY 0 59.50
Content here
09/14/2009 Mon
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PIZZA HUT (TUTUBAN) MANILA 0 97.98
Content here
09/14/2009 Mon
*
RED RIBBON (SM SAN LMANILA 0 48.15
Content here
09/14/2009 Mon
*
RED RIBBON (TUTUBAN)MANILA 0 53.17
Content here
09/13/2009 Sun
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GERRYS GRILL QUEZON CITY 0 61.60
Content here
09/13/2009 Sun
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PIZZA HUT (ARANETA SCALOOCAN CITY 0 67.27
Content here
09/13/2009 Sun
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ROBINSONS DS(ERMITA)MANILA 0 284.12
Content here
09/13/2009 Sun
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ROBINSONS SUPT(ERMITMANILA 0 208.40
Content here
09/13/2009 Sun
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ROBINSONS SUPT(ERMITMANILA 0 211.09
Content here
09/13/2009 Sun
*
SHAKEYS (ROBINSON S MANILA 0 107.46
Content here
09/13/2009 Sun
*
TANG CITY REST. (R.EMANILA 0 69.07
Content here
09/13/2009 Sun
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THE COFFEE BEAN&TEA QUEZON CITY 0 49.47
Content here
09/10/2009 Thu
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KENNY ROGERS SMNE ANQUEZON CITY 0 85.80
Content here
09/10/2009 Thu
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PIZZA HUT (SM-2) QUEZON CITY 0 57.91
Content here
09/10/2009 Thu
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PIZZA HUT (SM-2) QUEZON CITY 0 112.35
Content here
09/10/2009 Thu
*
THE LANDMARK SUPT. (QUEZON CITY 0 213.17
Content here
09/10/2009 Thu
*
THE LANDMARK SUPT. (QUEZON CITY 0 214.64
“Devotion to the truth is the hallmark of morality; there is no greater, nobler, more heroic form of devotion than the act of a man who assumes the responsibility of thinking.” - Ayn Rand, Atlas Shrugged
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Re: Criminals in Manila charged $4000 on my American Express!

Postby NinjaPuppy » 01 Oct 2009, 03:42

SCEPCOP - I had one of my Visa cards hijacked about 2 years ago. Did they get your card or just your numbers? Mine were hijacked via someone hacking into a rather trusted database that the cc company would not reveal. All of the charges were taken care of but it was time consuming to deal with. Make sure to have your bank run a credit check to make sure the same person(s) didn't open new credit cards or loans in your name.

SCEPCOP wrote:Do they also create a fake ID with my name on it and their picture, to use when merchants ask for an ID? Or did someone see my card and memorize all the digits in a few seconds?

Around here they NEVER ask for any ID when using a CC. Once again, have your credit run by your regular bank and check out getting that Identity Theft Protection. For me it cost $11 per month and it was a great service for that cost during a time when things could have gone very bad with my ID out there.
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Re: Criminals in Manila charged $4000 on my American Express!

Postby NinjaPuppy » 01 Oct 2009, 03:50

SCEPCOP wrote:But I hope they catch those bastards and make them pay. What are the odds that they will be able to catch them in the Philippines? The cops there probably don't even care, so who can they get in the PI to cooperate on tracking down the criminals?

They don't bother to catch them here in the states either. The CC company did squat about it other than to pay it off in full and remove the charges for me. I even offered to fly to the offending city and state where they did this to press charges locally and the CC company refused.

SCEPCOP wrote:Here are what those criminals charged on my card after I left the PI. I wonder how they can be spending 100 or 200 dollars at Starbucks or Pizza Hut! What, are they buying like 10 pizzas and 50 lattes a day or something for their whole criminal gang?

Probably gift certificate purchases to have that kind of a $$$ amount. They will then sell them on the Internet at a lower cost.
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Re: Criminals in Manila charged $4000 on my American Express!

Postby ciscop » 01 Oct 2009, 05:01

NinjaPuppy wrote:
SCEPCOP wrote:But I hope they catch those bastards and make them pay. What are the odds that they will be able to catch them in the Philippines? The cops there probably don't even care, so who can they get in the PI to cooperate on tracking down the criminals?

They don't bother to catch them here in the states either. The CC company did squat about it other than to pay it off in full and remove the charges for me. I even offered to fly to the offending city and state where they did this to press charges locally and the CC company refused.

SCEPCOP wrote:Here are what those criminals charged on my card after I left the PI. I wonder how they can be spending 100 or 200 dollars at Starbucks or Pizza Hut! What, are they buying like 10 pizzas and 50 lattes a day or something for their whole criminal gang?

Probably gift certificate purchases to have that kind of a $$$ amount. They will then sell them on the Internet at a lower cost.


oooh man! that sucks!
but is cool you dont have to pay for anything

and yes.. i second NP.. they bought gift cards to resell them on ebay or whatever
what a bunch of low lives
For every person who reads this valuable book there are hundreds of naïve souls who would prefer to have their spines tingled by a sensational but worthless potboiler by some hack journalist of the paranormal. You who now read these sentences join a small but wiser minority. Martin Gaardner (Psychology of the Psychic)
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Re: Criminals in Manila charged $4000 on my American Express!

Postby Scepcop » 03 Oct 2009, 12:22

NinjaPuppy wrote:SCEPCOP - I had one of my Visa cards hijacked about 2 years ago. Did they get your card or just your numbers? Mine were hijacked via someone hacking into a rather trusted database that the cc company would not reveal. All of the charges were taken care of but it was time consuming to deal with. Make sure to have your bank run a credit check to make sure the same person(s) didn't open new credit cards or loans in your name.

SCEPCOP wrote:Do they also create a fake ID with my name on it and their picture, to use when merchants ask for an ID? Or did someone see my card and memorize all the digits in a few seconds?

Around here they NEVER ask for any ID when using a CC. Once again, have your credit run by your regular bank and check out getting that Identity Theft Protection. For me it cost $11 per month and it was a great service for that cost during a time when things could have gone very bad with my ID out there.


They must have just gotten my numbers cause I have always had my card.

I wonder how they got the numbers though.

What is the point of the Identity Theft Protection program when you aren't liable for fraudulent charges anyway? How would it help? As long as you aren't responsible for fraudulent charges, why pay the extra fees per month?
“Devotion to the truth is the hallmark of morality; there is no greater, nobler, more heroic form of devotion than the act of a man who assumes the responsibility of thinking.” - Ayn Rand, Atlas Shrugged
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Re: Criminals in Manila charged $4000 on my American Express!

Postby NinjaPuppy » 03 Oct 2009, 20:01

Scepcop wrote:I wonder how they got the numbers though.

What is the point of the Identity Theft Protection program when you aren't liable for fraudulent charges anyway? How would it help? As long as you aren't responsible for fraudulent charges, why pay the extra fees per month?


One of the ways to hijack your CC numbers is with these new scanner attachments that can easily be put on any ATM. The second way is to hack into websites that use CC payments. It can be as simple as a CC bill being lifted out of your mailbox or out of a garbage can.

The Identity Theft programs protect your identity, not your CCs. Once a theif has a CC number and name they begin to open accounts in your name that you don't even know you have. I have seen people sued by hospitals for tens of thousands of dollars for medical operations they never had, dental work, forclosed mortgages, car loans, cell phone accounts, etc. You won't know about them until you apply for a loan or do a credit check as the paperwork/bills are sent to a bogus address for months, even years.

The other thing to be wary about are strange phone calls where the caller claims to be doing a survey. The simple, non-invasive survey questions take them one step closer to getting more answers about you that help them establish accounts using your identity. Once they are able to collect enough information they sell it on the internet to multiple people and the games begin.
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Re: Criminals in Manila charged $4000 on my American Express!

Postby Scepcop » 10 Oct 2009, 13:19

So how do you find out if anyone has opened an account or credit card under your name? Who do you call exactly to find out?
“Devotion to the truth is the hallmark of morality; there is no greater, nobler, more heroic form of devotion than the act of a man who assumes the responsibility of thinking.” - Ayn Rand, Atlas Shrugged
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Re: Criminals in Manila charged $4000 on my American Express!

Postby NinjaPuppy » 10 Oct 2009, 20:41

Scepcop wrote:So how do you find out if anyone has opened an account or credit card under your name? Who do you call exactly to find out?


Running a full credit check is the easiest way. Most banks offer their customers this service for free, once a year. Your bank will mail you a report and you will see all of your open and closed accounts in that report. If you have open accounts that you don't recognize, such as a credit card that you didn't apply for, you can start the process of cleaning them up. The credit report will show you past mortages, current mortgages, credit card history, payment history and defaults.

Sometimes you will find accounts on your credit report that are not yours as it's not all that uncommon for the credit reporting companies to make an occasional error as well. These errors also need to be 'clean up' as they will also affect your credit rating. A lower score could result in paying higher interest fees for loans or credit and insurance companies base their policy fees on your credit score. It's worth the time to check it out as it can save you money if there are inconsistencies and it can save you a big headache if someone has tapped into your personal information as they can go hogwild, using your name to obtain credit.
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