The Chit Chat Chit Chat Thread

[Goofyernmost]

Amen to all that. It's just infuriating.

Note: the recent Capitol One breach had been going on since MARCH??!!!! Yah ... what's with the holdup of time to inform those affected?

I have been fortunate enough to reach the age where I don't really care one way or the other about my credit numbers. I'm not going to buy a house or a piece of heavy construction equipment or a new yacht or become anyone's sugar daddy... so try and get me to pay charges that I didn't create.

 

[Goofyernmost]

Really? Is someone buying one of these, let alone ten?
View attachment 395037

At $37,500.00 it is a steal. The problem is the seller is the one doing the stealing! Buying one of those is gods way of telling you that you have too much money.

 

[Goofyernmost]

I believe they're Sarovski crystals. I hate to say it but it may actually be worth the money with all the hand work that went into it. That being said it's not on my bucket list

The hope diamond is priceless, but, I am not about to negotiate to purchase it unless I could get it for under $50.00.

 

[MySmallWorldof4]

How was your birthday @dryerlintfan ?

 

[MouseDreaming]

The weather is lovely here today, sunny, slight breeze. and 73. Perfect for a mojito. So I made myself one, yummy
View attachment 394931

Kapono does not get a mojito but she is enjoying some porch time.
View attachment 394930

Awww, Kapono is such a sweetie.

 

[MouseDreaming]

It seems like I've been breached numerous times. It's always because I'm a customer of a mega company....a company with millions of customers! I truthfully shrug it off because I'm just one in a million. These "breaches" have never had consequences for me. Maybe "my day is coming"....seriously...maybe I'll feel it somehow...someday. So... I'm a Capital One Customer, and an Amazon customer....and a Yahoo e-mail person, etc., etc.
It never seems to matter.
Does anyone on this thread have an identity theft horror story, or are most of you feeling like your experiences are similar to mine?
*
*
*
Edit....I meant to quote @MinnieM123 , but instead I quoted Cesar's response to her...'cause HE quoted Minnie....LOL, if that makes any sense

That would be me!

It started with charges for Air BnB. Called, changed card numbers. Thought that was it. Next statement, more Air BnB charges, now totaling over 10,000 for the 2 statements. Found out they--whoever they are-- set up an online account, and likely had my new number before I did. Online account closed, new card issued. Trip to the police dept. to file a complaint. Called air BnB to let them know what was going on. (By the way, if you ever use air BnB, if you have a problem, it is near impossible to get a hold of someone.That was 2 hours of my life I will never get back.) Went on with my life, until...

Maybe 4 months later, new mysterious charges for air BnB. Sigh. Call. Cancel card. Cancel on line account (that I set up, so they couldn't), and set up special secret passwords that the rep must have to speak to anyone about my account. Called and checked with Comcast, to make sure there wasn't any call forwarding going on. General pain in the butt.

A few weeks later, they tried to open a Paypal credit account. The only way I found out about it, was the letter sent by PayPal thanking me. I called to speak with their fraud dept, and sure enough, they tried to run up a huge tab with air BnB. PayPal was smart enough to freeze it, before I even called. That was in the next days mail.

This, by the way, is despite paying for Lifelock, which I invested in after my police station visit. I have no idea where the breach occurred. When I spoke to the credit card rep the first time, she mentioned they were just notified of a breach, but wouldn't say who. By law, businesses are not compelled to reveal there has been a breach. The bigger ones tend to, only after the info has leaked out. Luckily, all my false charges were covered.

While I was dealing with this, DH was dealing with a total identity theft. We had gotten a few letters of accounts trying to be opened in his name. Did the freeze. Checked credit with the credit companies. Then one night, out of the blue, we get a call from a nearby police dept. It was during dinner, and I figured it was a scam, so we didn't answer. The guy left a message, and after vetting it, DH decided to call on the listed main number for that police dept. It was a real police detective. Apparently, a gentleman in that town had been arrested on a domestic charge. The ID he presented was a drivers license with all of DH's info, but the other guy's picture. When the officer ran it, there was an obvious discrepancy between DH's description, and the guy. When he was arrested, they found a box full of fake id's, credit cards, etc. Our best guess is maybe he knew someone that worked for a branch of our bank, or the dmv. That one is still getting straightened out, and it has been at least a year.

 

[Rista1313]

That would be me!

It started with charges for Air BnB. Called, changed card numbers. Thought that was it. Next statement, more Air BnB charges, now totaling over 10,000 for the 2 statements. Found out they--whoever they are-- set up an online account, and likely had my new number before I did. Online account closed, new card issued. Trip to the police dept. to file a complaint. Called air BnB to let them know what was going on. (By the way, if you ever use air BnB, if you have a problem, it is near impossible to get a hold of someone.That was 2 hours of my life I will never get back.) Went on with my life, until...

Maybe 4 months later, new mysterious charges for air BnB. Sigh. Call. Cancel card. Cancel on line account (that I set up, so they couldn't), and set up special secret passwords that the rep must have to speak to anyone about my account. Called and checked with Comcast, to make sure there wasn't any call forwarding going on. General pain in the butt.

A few weeks later, they tried to open a Paypal credit account. The only way I found out about it, was the letter sent by PayPal thanking me. I called to speak with their fraud dept, and sure enough, they tried to run up a huge tab with air BnB. PayPal was smart enough to freeze it, before I even called. That was in the next days mail.

This, by the way, is despite paying for Lifelock, which I invested in after my police station visit. I have no idea where the breach occurred. When I spoke to the credit card rep the first time, she mentioned they were just notified of a breach, but wouldn't say who. By law, businesses are not compelled to reveal there has been a breach. The bigger ones tend to, only after the info has leaked out. Luckily, all my false charges were covered.

While I was dealing with this, DH was dealing with a total identity theft. We had gotten a few letters of accounts trying to be opened in his name. Did the freeze. Checked credit with the credit companies. Then one night, out of the blue, we get a call from a nearby police dept. It was during dinner, and I figured it was a scam, so we didn't answer. The guy left a message, and after vetting it, DH decided to call on the listed main number for that police dept. It was a real police detective. Apparently, a gentleman in that town had been arrested on a domestic charge. The ID he presented was a drivers license with all of DH's info, but the other guy's picture. When the officer ran it, there was an obvious discrepancy between DH's description, and the guy. When he was arrested, they found a box full of fake id's, credit cards, etc. Our best guess is maybe he knew someone that worked for a branch of our bank, or the dmv. That one is still getting straightened out, and it has been at least a year.

Wow... That's some crazy stuff! I hope you switched banks just in case.

 

[MouseDreaming]

Wow... That's some crazy stuff! I hope you switched banks just in case.

The second time, I had to go to a local bank branch to get the full print out for credit card charges. As she is pulling up the file, she says she sees they aren't our primary bank, and can we open an account for you. Seriously?!?! Thank God all of my accounts aren't there!

 

[SteveBrickNJ]

That would be me!

It started with charges for Air BnB. Called, changed card numbers. Thought that was it. Next statement, more Air BnB charges, now totaling over 10,000 for the 2 statements. Found out they--whoever they are-- set up an online account, and likely had my new number before I did. Online account closed, new card issued. Trip to the police dept. to file a complaint. Called air BnB to let them know what was going on. (By the way, if you ever use air BnB, if you have a problem, it is near impossible to get a hold of someone.That was 2 hours of my life I will never get back.) Went on with my life, until...

Maybe 4 months later, new mysterious charges for air BnB. Sigh. Call. Cancel card. Cancel on line account (that I set up, so they couldn't), and set up special secret passwords that the rep must have to speak to anyone about my account. Called and checked with Comcast, to make sure there wasn't any call forwarding going on. General pain in the butt.

A few weeks later, they tried to open a Paypal credit account. The only way I found out about it, was the letter sent by PayPal thanking me. I called to speak with their fraud dept, and sure enough, they tried to run up a huge tab with air BnB. PayPal was smart enough to freeze it, before I even called. That was in the next days mail.

This, by the way, is despite paying for Lifelock, which I invested in after my police station visit. I have no idea where the breach occurred. When I spoke to the credit card rep the first time, she mentioned they were just notified of a breach, but wouldn't say who. By law, businesses are not compelled to reveal there has been a breach. The bigger ones tend to, only after the info has leaked out. Luckily, all my false charges were covered.

While I was dealing with this, DH was dealing with a total identity theft. We had gotten a few letters of accounts trying to be opened in his name. Did the freeze. Checked credit with the credit companies. Then one night, out of the blue, we get a call from a nearby police dept. It was during dinner, and I figured it was a scam, so we didn't answer. The guy left a message, and after vetting it, DH decided to call on the listed main number for that police dept. It was a real police detective. Apparently, a gentleman in that town had been arrested on a domestic charge. The ID he presented was a drivers license with all of DH's info, but the other guy's picture. When the officer ran it, there was an obvious discrepancy between DH's description, and the guy. When he was arrested, they found a box full of fake id's, credit cards, etc. Our best guess is maybe he knew someone that worked for a branch of our bank, or the dmv. That one is still getting straightened out, and it has been at least a year.

What a nightmare! That truly is a horror story!

 

[Tony the Tigger]

So the big delay in applying for my City license to open the new store was their checklist asked for a certified copy of our LLC ppwk. The only way to get a certified copy is to send away to Tallahassee and wait for mail to come back. Otherwise I had everything ready on the 15th.

It came yesterday, I brought everything at 8am, and they told me I didn’t have to do that, I could have just used the non-certified printout from the gov public records site.

But, they were super nice and offered to expedite so *if* it is approved, they will forgo inspections until Monday and I can get the license tomorrow and open on Saturday.

Now I just have to finish setting up to be ready to open on Saturday! We’re about 80% there.

Too early for a cocktail?

 

[Rista1313]

So the big delay in applying for my City license to open the new store was their checklist asked for a certified copy of our LLC ppwk. The only way to get a certified copy is to send away to Tallahassee and wait for mail to come back. Otherwise I had everything ready on the 15th.

It came yesterday, I brought everything at 8am, and they told me I didn’t have to do that, I could have just used the non-certified printout from the gov public records site.

But, they were super nice and offered to expedite so *if* it is approved, they will forgo inspections until Monday and I can get the license tomorrow and open on Saturday.

Now I just have to finish setting up to be ready to open on Saturday! We’re about 80% there.

Too early for a cocktail?

Any news on the old landlord front? (sorry if you already said and I missed it)

 

[MySmallWorldof4]

That would be me!

It started with charges for Air BnB. Called, changed card numbers. Thought that was it. Next statement, more Air BnB charges, now totaling over 10,000 for the 2 statements. Found out they--whoever they are-- set up an online account, and likely had my new number before I did. Online account closed, new card issued. Trip to the police dept. to file a complaint. Called air BnB to let them know what was going on. (By the way, if you ever use air BnB, if you have a problem, it is near impossible to get a hold of someone.That was 2 hours of my life I will never get back.) Went on with my life, until...

Maybe 4 months later, new mysterious charges for air BnB. Sigh. Call. Cancel card. Cancel on line account (that I set up, so they couldn't), and set up special secret passwords that the rep must have to speak to anyone about my account. Called and checked with Comcast, to make sure there wasn't any call forwarding going on. General pain in the butt.

A few weeks later, they tried to open a Paypal credit account. The only way I found out about it, was the letter sent by PayPal thanking me. I called to speak with their fraud dept, and sure enough, they tried to run up a huge tab with air BnB. PayPal was smart enough to freeze it, before I even called. That was in the next days mail.

This, by the way, is despite paying for Lifelock, which I invested in after my police station visit. I have no idea where the breach occurred. When I spoke to the credit card rep the first time, she mentioned they were just notified of a breach, but wouldn't say who. By law, businesses are not compelled to reveal there has been a breach. The bigger ones tend to, only after the info has leaked out. Luckily, all my false charges were covered.

While I was dealing with this, DH was dealing with a total identity theft. We had gotten a few letters of accounts trying to be opened in his name. Did the freeze. Checked credit with the credit companies. Then one night, out of the blue, we get a call from a nearby police dept. It was during dinner, and I figured it was a scam, so we didn't answer. The guy left a message, and after vetting it, DH decided to call on the listed main number for that police dept. It was a real police detective. Apparently, a gentleman in that town had been arrested on a domestic charge. The ID he presented was a drivers license with all of DH's info, but the other guy's picture. When the officer ran it, there was an obvious discrepancy between DH's description, and the guy. When he was arrested, they found a box full of fake id's, credit cards, etc. Our best guess is maybe he knew someone that worked for a branch of our bank, or the dmv. That one is still getting straightened out, and it has been at least a year.

I am so sorry you continue to deal with this problem. It is just insane! Didn't Lifelock offer any help? Especially for your husband? Or did you not have Lifelock then. We are paying about $60 a month for it. It covers dh, me, and our kids. Didn't they tell you about the Paypal account being opened. I wonder if the government should be open to letting people with compromised identities receive new SS numbers. I would think that would help.

 

[DryerLintFan]

How was your birthday @dryerlintfan ?

It was a nice relaxing day, aside from dealings with the contractor working on my house. I had a lovely dinner with a friend, and then took a long walk to a nursery and bought a really soothing sounding wind chime I'll put up outside my door. I have been in the market for a wind chime since I moved and finally found the perfect one!

 

[Tony the Tigger]

Any news on the old landlord front? (sorry if you already said and I missed it)

I fear that's going badly.

I'm realizing the owners' agents are not talking to them. (They live in Canada.) I've been dealing with the property manager and the realtor. But it was clear when the realtor sent an email to me and the owners a few days ago, the owners were surprised to learn that a new tenant "fell through." (But their response was, "Well, Tony's lease is still valid.") What?

It is August 1 (my bday in 30 days, WDW in 24, NOLA in 3!) and we left the keys and an empty, vacuumed, and spackled place last night.

As it's becoming more apparent to me that I'm going to end up losing money on this, I decided not to paint. The walls are still white, just have some marks here and there after 5 years.

I have too much to do setting up the new place. That's just more urgent.

But to get more weird: the realtor told me to check my email to sign something so they can turn one of the units over to a new tenant. The paper had me renting the unit we moved out of first(?) until December 2020. (My lease was ending in June 2020 anyway.) There were all kinds of conditions and nonsense. I said I couldn't sign it until it was corrected.

Bottom line: They are renting both units out (eventually) for a total of $800/month more than what I was paying. So if we compared that until June of 2020 when my lease would be up, they are making a lot more money on the rest of my time, even if both are empty for two months. (Unless they let both sit empty out of spite and take me to court for that amount of money.)

 

[Mr Ferret 75]

So the big delay in applying for my City license to open the new store was their checklist asked for a certified copy of our LLC ppwk. The only way to get a certified copy is to send away to Tallahassee and wait for mail to come back. Otherwise I had everything ready on the 15th.

It came yesterday, I brought everything at 8am, and they told me I didn’t have to do that, I could have just used the non-certified printout from the gov public records site.

But, they were super nice and offered to expedite so *if* it is approved, they will forgo inspections until Monday and I can get the license tomorrow and open on Saturday.

Now I just have to finish setting up to be ready to open on Saturday! We’re about 80% there.

Too early for a cocktail?

 

[SteveBrickNJ]

You have a cruise coming up this month, correct?
Share your excitement and any details if you wish

 

[Cesar R M]

That would be me!

It started with charges for Air BnB. Called, changed card numbers. Thought that was it. Next statement, more Air BnB charges, now totaling over 10,000 for the 2 statements. Found out they--whoever they are-- set up an online account, and likely had my new number before I did. Online account closed, new card issued. Trip to the police dept. to file a complaint. Called air BnB to let them know what was going on. (By the way, if you ever use air BnB, if you have a problem, it is near impossible to get a hold of someone.That was 2 hours of my life I will never get back.) Went on with my life, until...

Maybe 4 months later, new mysterious charges for air BnB. Sigh. Call. Cancel card. Cancel on line account (that I set up, so they couldn't), and set up special secret passwords that the rep must have to speak to anyone about my account. Called and checked with Comcast, to make sure there wasn't any call forwarding going on. General pain in the butt.

A few weeks later, they tried to open a Paypal credit account. The only way I found out about it, was the letter sent by PayPal thanking me. I called to speak with their fraud dept, and sure enough, they tried to run up a huge tab with air BnB. PayPal was smart enough to freeze it, before I even called. That was in the next days mail.

This, by the way, is despite paying for Lifelock, which I invested in after my police station visit. I have no idea where the breach occurred. When I spoke to the credit card rep the first time, she mentioned they were just notified of a breach, but wouldn't say who. By law, businesses are not compelled to reveal there has been a breach. The bigger ones tend to, only after the info has leaked out. Luckily, all my false charges were covered.

While I was dealing with this, DH was dealing with a total identity theft. We had gotten a few letters of accounts trying to be opened in his name. Did the freeze. Checked credit with the credit companies. Then one night, out of the blue, we get a call from a nearby police dept. It was during dinner, and I figured it was a scam, so we didn't answer. The guy left a message, and after vetting it, DH decided to call on the listed main number for that police dept. It was a real police detective. Apparently, a gentleman in that town had been arrested on a domestic charge. The ID he presented was a drivers license with all of DH's info, but the other guy's picture. When the officer ran it, there was an obvious discrepancy between DH's description, and the guy. When he was arrested, they found a box full of fake id's, credit cards, etc. Our best guess is maybe he knew someone that worked for a branch of our bank, or the dmv. That one is still getting straightened out, and it has been at least a year.

Did they even found who was using that AIRBNB account?
A good detective should have had it easy to track these people. I mean, air BNB is for renting places! (imagine a detective opening the door to those scammers in the rented house lol )

 

[Cesar R M]

So the big delay in applying for my City license to open the new store was their checklist asked for a certified copy of our LLC ppwk. The only way to get a certified copy is to send away to Tallahassee and wait for mail to come back. Otherwise I had everything ready on the 15th.

It came yesterday, I brought everything at 8am, and they told me I didn’t have to do that, I could have just used the non-certified printout from the gov public records site.

But, they were super nice and offered to expedite so *if* it is approved, they will forgo inspections until Monday and I can get the license tomorrow and open on Saturday.

Now I just have to finish setting up to be ready to open on Saturday! We’re about 80% there.

Too early for a cocktail?

bureaucracy.. my god..

 

[MouseDreaming]

I am so sorry you continue to deal with this problem. It is just insane! Didn't Lifelock offer any help? Especially for your husband? Or did you not have Lifelock then. We are paying about $60 a month for it. It covers dh, me, and our kids. Didn't they tell you about the Paypal account being opened. I wonder if the government should be open to letting people with compromised identities receive new SS numbers. I would think that would help.

Radio silence from LifeLock. I even went back to double check I hadn't missed a notification. DH decided it was too late for him, so it is just me with it. And yes, I wish they would change your number, or at least make it easier to make them aware of the situation.

For what it is worth, I feel like LifeLock is a bit of a scam. And, since they have all of my info, I am just waiting for them to get hacked. Unless it already happened.

 

[MySmallWorldof4]

Radio silence from LifeLock. I even went back to double check I hadn't missed a notification. DH decided it was too late for him, so it is just me with it. And yes, I wish they would change your number, or at least make it easier to make them aware of the situation.

For what it is worth, I feel like LifeLock is a bit of a scam. And, since they have all of my info, I am just waiting for them to get hacked. Unless it already happened.

Are you kidding??? Did you call them? We are paying about $60 a month for it. Should I just cancel it and use one of the free ones that was offered to me because of breeches?