Debit card hacked

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Xander

Member
Joined
Feb 11, 2012
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373
Location
Arizona
I just did my usual every-other-day check of my bank account only to find a fraudulent charge of $29.95. This was appearently for a purchase made online yesterday. I did not purchase anything online yesterday or anytime in the last 2 weeks or more.

The company is an online 'service provider' to online stores... I guess like paypal or something. The name is Cleaverbridge AG Koeln.

Has anyone had dealings with this company? If so... what was the outcome?

Yes I have notified my bank and had my card / account stopped.
 
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Cleaverbridge AG Koeln is a processing company for several online software and media companies...you'll have to contact them to figure out where the actual purchase was sent to. They deal a lot w/ some of those ads you see selling software to clean up or speed up your computer and the like.

Might have been something you did a test run on months ago or something that just came due as it wasn't canceled or something...per the mini letters telling you needing to do such...

good luck...good thing you caught it.. which is why its safer to use a credit card online vs debt card.
 
I don't subcribe to anything. The only 2 direct payments I have are my insurance ... car and renters... and those are very different amounts and are always the same time of month.

I am VERY careful where I use my card and it is never out of my possession. This is really ****ing me off and a little freightening.

The bank has said tonight that WHEN this transaction goes through (it's 'processing') I can lodge a fraud claim and they will credit the amount until they can investigate. The thing is, I need cash out of that account tomorrow and now I'll have to go into a branch and explain all this to a teller ... and with my card now stopped I'm not sure if I'll be able to access my account. I got $3 in my wallet :frown:
 
vthowe said:
Cleaverbridge AG Koeln is a processing company for several online software and media companies...you'll have to contact them to figure out where the actual purchase was sent to. They deal a lot w/ some of those ads you see selling software to clean up or speed up your computer and the like.

Might have been something you did a test run on months ago or something that just came due as it wasn't canceled or something...per the mini letters telling you needing to do such...

good luck...good thing you caught it.. which is why its safer to use a credit card online vs debt card.
Click to expand...

I don't have any credit cards. And I have never signed up to anything like you describe, or had any notices that anything was comming due. :mad:
 
vthowe said:
You shouldn't have an issue getting cash out directly from your bank.

There is a limit of fraud protection based upon the time frame the fraud was caught w/ debit cards. Credit cards have nearly no limit of protection.

Advanced E-commerce for Digital Product - cleverbridge e-commerce

is a place to start w/ them that might help track it down.
Click to expand...

Looked at that before contacting my bank and believe me the first thing I'm doing in the morning is calling that number. The bank said I don't have to, they will investigate.... but I like to know what is going on first hand.
 
Let the bank do the work. A few weeks ago someone acquired my bank card number and made approx. $4,000 in charges. The bank has taken care of everything. Mine was a debit card - I don't use credit cards.
 
Debt Card vs. Credit Card Fraud

Your luck will vary when dealing with debt cards...it's up to your bank for a lot of the time... per laws, debit cards are much riskier for loss purposes.

If your ATM or debit card is lost or stolen, report it immediately because the amount you can be held responsible for depends on how quickly you report the loss.
If you report the loss or theft within two business days of discovery, your losses are limited to $50.
If you report the loss or theft after two business days, but within 60 days after the unauthorized electronic fund transfer appears on your statement, you could lose up to $500 of what the thief withdraws.
If you wait more than 60 days to report the loss or theft, you could lose all the money that was taken from your account after the end of the 60 days.
Note: VISA and MasterCard voluntarily have agreed to limit consumers' liability for unauthorized use of their debit cards in most instances to $50 per card, no matter how much time has elapsed since the discovery of the loss or theft of the card.

You are much more protected with a credit card...
 
Do a Bing search for them. I did with this Cleaverbridge AG Koeln reviews and they have a lot of complaints for the same amount you mentioned most for some kind of registry cleaner
 
I had a similar experience a couple of years ago. The 'vendor' was Bibet - a European on-line billing outfit similar to PayPal. It turned out that someone had set up a repeating monthly charge through Bibet for membership in a dating service (like e-Harmony). The credit card company jumped all over it, but because the charge was from a third-party, they were never able to trace it back to the person who actually did the fraudulent charge. Obviously, they covered the charge, but because it was a repeating charge, the eventual solution was to cancel the account and issue an entirely new card.

That's why I check my credit cards for new charges everyday. It's a simple on-line process that only takes a minute or so, but it saves all kinds of hassle and stress.
 
Went to the bank this morning and got the cash I need for the next week or so.
Also contacted the fraud dept. and filed a claim. The $29.95 will be refunded by midnight tonight, and the bank is investigating.

I don't have credit cards anymore. I figure if I don't have cash I can't afford it. It's WAY to easy to get into trouble with CC when you are on a low fixed monthly income (disability).

Thanks for the words of encouragement
 
Great to hear that your issue has been dealt with. Like others have stated, check you balances regularly to ensure that no withdrawals or charges that you did not initiate are not there. If they are, your immediate action helps to have the problem resolved quickly. BTDT
 
Sorry you had this happen to you Ed!

I know you were not asking for advice, but just out of concern - and knowing a bit about identity theft - it would be wise to get a credit card ton use for online purchases. When I went through a fiasco with fraudulent charges - I wasn't faced with trying to recover cash from my banking account. And you are fortunate to be dealing with $29.95.

I use a credit card, check it often and pay off the total when the billing cycle comes around. Just another level of protection.

I had my card info stolen from USPS.com because I chose to have the info stored instead of entering it every time. I now enter it every time and never choose to have my number stored if possible.

Hope this all clears up for you quickly.

Regards

Sent from my iPad using Forum Runner
 
Yep, my DC # got highjacked also last month for $97.98. I should of known something was up when i checked my account online, i had a "pre auth...Google..$1.00" amount showing, the bank didnt have any idea about it either until the hard charge came thru a day later,then my bank notified me on a monday morning, saying they had a fraud alert, had them to shut the card # down and by friday had the money back in my account, I just wish i knew who i sent flowers too in Ill. :biggrin:
and im pretty sure i know where the # got highjacked from too. No more online business in NJ. from PMS.
 
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Another thought...maybe your computer picked up some spyware or a trojan that grabbed your online banking logon info. Run a virus/spyware sweep, then change your online banking password.
 
I think this issue has been (will be) resolved with a positive result. Just gotta wait for the bank to investigate. In the mean time the $29.95 should be back in my account tonight. And if I do lose it, it's only $29.95 so I can live with it.

I'm getting a new card with new number, new PIN, and I change online password ... not as often as I should but .... occasionally. My virus/spyware/firewall are all up to date and run several times a day so I think I'm good there.

What I do plan to do is open another account just for online shopping and I'll leave just a dollar or 3 in it until I want to buy something, then I'll do a transfer of just enough to cover the purchase. That way any unauthorized transactions will stand out ... and won't go through anyway.

Thanks everyone for your thoughts and support.
 
Xander said:
What I do plan to do is open another account just for online shopping and I'll leave just a dollar or 3 in it until I want to buy something, then I'll do a transfer of just enough to cover the purchase.
Click to expand...

That is what I used to do. I found out that my bank will allow me to set up multiple 'virtual' accounts. When I buy something from a company that I know well, I use my regular card number. With new or questionable companies I create a new virtual number and only use that number with that specific vendor. All the money comes from one account, and I have absolute proof as to where the security issue is.
 
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