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User Info WHERE ARE THE DAMNED HANDCUFFS? in forum [Market-Ticker]
Mannfm11
Posts: 5407
Incept: 2009-02-28

DFW, Tx
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If corporate America actually paid employees enough to consume their products, instead of people liquidating their home equity and borrowing outrageous interest rates, we wouldn't need these bastards.

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The only function of economic forecasting is to make astrology look respectable.---John Kenneth Galbraith
Robodog
Posts: 260
Incept: 2011-06-12

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Thanks to all in here for the suggestions regarding credit alerts & freezes. I swear the scammin' & slammin' never ends.

Yeah, I reckon these days Santa Claus isn't the only one who makes a list & checks it twice.

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I believe in only one thing: liberty; but I do not believe in liberty enough to want to force it upon anyone. ~ H.L. Mencken
Tsherry
Posts: 887
Incept: 2008-12-09

Spokane WA
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Again, no rule of law.
Beango
Posts: 718
Incept: 2009-06-05

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Gee, I wonder if they intentionally released this report at this time knowing Irma would distract everyone.
Geckogm
Posts: 4309
Incept: 2007-06-26

Canyon Lake
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***UPDATE

Quote:
Equifax, which yesterday announced a truly enormous breach, will not require affected consumers to forfeit their right to join a class action lawsuit against the company in order to receive credit protection. The company clarified the forced arbitration clause in its terms of service after outcry by consumer advocates, including New York Attorney General Eric Schneiderman, who called the requirement "unacceptable and unenforceable."
Quik49
Posts: 4001
Incept: 2007-12-11


Online
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There will never be any f'ing handcuffs.... If handcuffs we're a traded commodity and actually issued where they should be...especially the past 10 years the market cap would be bigger than all the FANGS combined....f'ing rules are for us little people....

Time for another drink....f it

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Long Vaseline....

Dennisglover
Posts: 787
Incept: 2012-12-05

Huntsville, AL
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I don't think it's especially funny, but about an hour ago I saw a new (to me) Experian ad wherein they're offering a "free" dark-web scan at their website. I won't even post the URL.

The ad interrupted a perfectly good ongoing beatdown by Oklahoma State on South Alabama, not to mention!

Question is: Why would I trust any of these companies with any information about me?

Answer: I would not. In fact, I never did!

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TANSTAAFL
Smacktle
Posts: 1835
Incept: 2009-01-20

Texas
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I'm having trouble with credit companies around my business. They claim I pay late but I can prove that I pay all my invoices as soon as I get them. Transcredit wants $299 for them to help me. Cortera says that I have to wait 45 days while they get with the party that says I pay late. Experian says I didn't get the info. to them before the 60 day deadline just so I can get the free credit report! Being a business owner has become so complicated and frustrating that I don't want to be one anymore. I'm really at my wits end about this and am tempted to throw all money at a lawyer and if that doesn't work take things into my own hands.

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The faults of the burglar are the qualities of the financier.
- George Bernard Shaw
Thelazer
Posts: 127
Incept: 2009-05-11

Davenport, Fl
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I seem to care less and less, my answer these days is "oh my identity was stolen" Doesn't matter who's asking... that's what I tell em. My credit's bad, eh, wasn't me that did it.. was whoever stole my identity. Oh that loan, I didn't pay? Yea, not me, my identity was stolen.

Between that and paying cash... seems to be working out pretty well. Just waiting for the IRS to come a knocking... my tax bill? No.. not me, my identity was stolen.
Jamesred
Posts: 31
Incept: 2017-08-18

NY
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The fact that these people are not in cuffs yet proves that there is no longer the rule of law in this nation. We are no better than third world ****holes where a bunch of goons are above the law and punish those that question them.

If we do not hold people accountable for their crimes we allow those people to destroy 241 years of history. And do not forget, they care less about the constitution and the rule of law than they care about themselves. The globalists will move their fuedal system to which ever nation allows them to.
Tickerguy
Posts: 149727
Incept: 2007-06-26
A True American Patriot!
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Quote:
I don't think it's especially funny, but about an hour ago I saw a new (to me) Experian ad wherein they're offering a "free" dark-web scan at their website. I won't even post the URL.

Discover is now doing that as well, so if you have a card with them they'll alert you if they find it. It's in their best interest to do so, of course, since if your data gets stolen and used to rip THEM off in your name they get to eat it, since with a CREDIT CARD you don't pay until AFTER the fact.

That's the only real argument for running your household through plastic, of course (paying it off every month) -- if someone rips off your identity it's not on you to try to claw back the money, it's on THEM and **** 'em with a chainsaw since they don't have your cash. It's THE reason I run my household through a card (with a backup from a different company); on average, over the last 15 years or so, SOMEONE manages to steal said card number and use it about every 18 months.

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Winding it down.
Ckaminski
Posts: 4199
Incept: 2011-04-08

Mass-Hole!
Online
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Quote:
If corporate America actually paid employees enough to consume their products


If people actually learned how to spend less than they make, this wouldn't be a problem either.

Not my fault 90% of America is "owns" a house that really belongs to a bank.

But ****, I've had a 100% success rate of paying my bills on time for 10+ years and I still have a less than perfect credit score. I can't make it any better unless I SPEND money to take out a loan for something.

The debt peonage is complete. :-/
Whitehat
Posts: 109
Incept: 2017-06-27

New York City
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@Tickerguy,

The reason that "someone" manages to steal your card every so often is in many cases the **** way that merchants store the information.

I caught Amazon being negligent here. Replaced my card and only submitted it to them and never used it or carried it anywhere. It was my "Amazon" card. Well someone used it to purchase some stuff from Amazon. Their customer service person asked me if I knew a person by the name of ... I asked them for the shipping address so that I could tell the authorities which they refused to give to me. They did credit me back. This was an internal breach and caused by the fact that the entire card number must be visible to some people working for them. This very bad policy.

Whenever you have low wage workers in a shop, there is always a likelihood of theft. I am sure that this is where many thefts of cc numbers occur.

Here is a fun link for your entertainment. The credentials of the chief security officer at Equifux. I used to be concerned that my resume did not show mainstream employment history that would be relevant to a particular job that I wanted, silly me.

http://directorblue.blogspot.com/2017/09....


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There are two ways to be rich: One is by acquiring much, and the other is by desiring little.
Geckogm
Posts: 4309
Incept: 2007-06-26

Canyon Lake
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A music director smiley

Yup run your household on a CC and let me add Do Not use your ATM card at any point of sale If someone gets into your bank account and steals you money you may get your money back but you have to ask for it. Not exactly the posture you want.

I just had someone just charge a 2200.00 laptop on my card. I received an email about shipping it called company before it shipped let em know it was fraud. 2 weeks later the charge hit my statement. Called CC company canceled card had another card next day. Yup about every 18 months for me too.
Bodhi
Posts: 134
Incept: 2008-02-23

Georgia
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Quote:
I caught Amazon being negligent here. Replaced my card and only submitted it to them and never used it or carried it anywhere. It was my "Amazon" card. Well someone used it to purchase some stuff from Amazon.


Same for me with Paypal. About 10 years ago I had a Paypal debit card tied to my account. The card sat unused in my desk drawer. But somehow a thief got hold of the number and bought a couple of low dollar items with it. I had alerts set up and immediately called Paypal. They credited the money back to my account. The fellow on the line said he was canceling the card and was going to send me a new one. I told him to forget the new card since this HAD to be an inside job by a Paypal employee.
Ckaminski
Posts: 4199
Incept: 2011-04-08

Mass-Hole!
Online
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Quote:
Do Not use your ATM card at any point of sale


My ATM card is a STRICT ATM card - not usable to PoS terminals anywhere. I don't use debit cards either.


I may dislike Chase for a lot of reasons, but my Chase VISA and Discover are VERY proactive about strange charges - I've only caught one in the past 10 years.

GF just had to do battle with Amex/BlueBird pre-paid debit to get back $250 that she didn't charge. I'm trying to convince her to find a better prepaid credit card, her credit is ****. :-/
Misterrc
Posts: 30
Incept: 2008-11-20

New Hampshire
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I've always followed the mantra that if you don't want your info known or stolen, don't put it online to begin with. It sucks sweaty donkey balls that with this type of company you don't get any choice or are even made privy to just what data they do have stored about you. I say that one should be able to dictate that all personal information about yourself always be kept off line if it must be kept at all, no exceptions. Then, if that info is needed for a legitimate purpose, three high level employees each holding a different key have to go to the "info room", unlock the triple lock in unison, locate the media bearing your info, bring it to an isolated station to look up what's needed off the media, report back via phone to the legitimate party requesting said info, and then immediately reverse the process to lock the media away in the off line storage room. If that means a credit approval takes three months, then so be it.

On the other hand, I'd probably be happy with a "you cannot store any data regarding me, I will fend for myself" option. But that would never happen. I'm starting to believe that going completely off radar and off grid is the only viable option left...
Tickerguy
Posts: 149727
Incept: 2007-06-26
A True American Patriot!
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I'm thinking far more medieval at this point.

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Winding it down.
Dennisglover
Posts: 787
Incept: 2012-12-05

Huntsville, AL
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Gen wrote..
I'm thinking far more medieval at this point.
Not a thing in the world wrong with "medieval", Sir!

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TANSTAAFL
Tickerguy
Posts: 149727
Incept: 2007-06-26
A True American Patriot!
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I am many things but "Sir" is not one of them.

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Winding it down.
Dennisglover
Posts: 787
Incept: 2012-12-05

Huntsville, AL
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It's only "social lubrication", Karl. No harm intended, so none taken, I hope.

I was thinking late today that with this "little problem", put together with the OPM breach a while back, and the Wells Fargo problem, when I saw a college football game advertised as "sponsored" by WF... Maybe it was on ESPN or ESPN2...

And so, what if I just let ESPN know I won't be watching anything sponsored by WF, ever again, until I see a whole lot of executives at that company go away for a very long time? Sure, I'll do just about anything to see my favorites (Roll Mighty Crimson Tide and all of that), but there's a principle in play here, isn't there?


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TANSTAAFL
Geckogm
Posts: 4309
Incept: 2007-06-26

Canyon Lake
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Hey mofo you get the plywood out yet?
Tickerguy
Posts: 149727
Incept: 2007-06-26
A True American Patriot!
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Nope. And not expecting to either.

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Winding it down.
Burya_rubenstein
Posts: 1264
Incept: 2007-08-08

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Quote:
GF just had to do battle with Amex/BlueBird pre-paid debit to get back $250 that she didn't charge. I'm trying to convince her to find a better prepaid credit card, her credit is ****. :-/


I have a Bluebird card. I got it in order to pay the few people in my life that it's impossible for me to travel to with a wad of cash, and also in hope of linking it with Paypal.

Freedompop accepted the card - and to date hasn't taken anything from it other than the one time $20 payment that they were supposed to get.

Paypal however refused to allow the card to be linked.

Square, however, *has* accepted it. And I've managed to get the operators of a couple of events that I've attended to manually reroute my prepayment through Square instead of their Paypal link; and since Paypal also balked at a few other attendees' cards, some of us are trying to get them to provide such an option in the normal registration process. (They used to accept money orders mailed in but now flatly refuse to.)

Curiously enough both of my payments through Square went to the people who were supposed to get them, but the money from one of them (after several months) is still in my account! Somehow Square has forgotten to collect it. I called my payees about it; they claim to have gotten the money. And Amex doesn't seem to see a problem either. I'm not sure what to do about it next.
Unknowable
Posts: 4
Incept: 2017-09-11

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I had two fraudulent attempts to use charge cards in July. This explains much.

I see from the comments that if you're like me and have no need for "new" credit (i.e., no new mortgage, no new charge card, etc.) then freezing all four credit reporting files is probably the only thing to do to reduce the possibility of Identity Theft. I set all my cards and bank accounts to text me with literally ANY activity.

The bigger question I see is trust. In recent decades I think people became so fat, dumb and stupid that they raised "social trust" far into the pathological. They trusted their "governments" to protect them, feed them, pat them on the head, etc. They trusted their doctors (and pharma co's and the FDA) to not poison them. They trusted the EPA not to go off on ideological walkabouts costing people hundreds of billions of dollars. They trust the banks, the Fed, on-and-on-and-on.

When is this pathological level of trust going to finally END?! It's like the Farside cartoon with the lemmings, all running down the beach to drown themselves in the surf. If your "neighbors" all go stupidly insane, they'll drag you along with them. Even if "we" know this is the pinnacle of self-destructive stupidity, we are compelled to "go along" and there are precious few things we can do to insulate our lives from the downstream consequence.

The last 20-25 years have been utterly maddening.

PS: How much would it cost to field a new law enforcement arm to go after the scam artists who phone, or who order stuff on-line for delivery? EVERYTHING is traceable in the real world. Obviously, our rulers couldn't give a rat's tail about such mundane things, when there are dozens of phone calls to make soliciting campaign donations.
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