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      04-18-2014, 01:07 PM   #45
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I was on my way to Dallas this week when I stopped for fuel when my credit card was declined at two petrol stations. This was followed by an email by my bank to call them in regards to a fraud alert. I call them and check my online statement:

1) attempt made to buy EasyJet tickets (successful, but bank already refunded) out of the UK
2) attempt made to buy something from Groupon out of Johannesburg, South Africa
3) attempt made to buy airplane tickets on Air Canade out of Canada

This was all on the same day, and all online of course.
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      04-18-2014, 02:03 PM   #46
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Having my credit card hacked would be a blessing. I got a call from the IRS saying that they received my return twice and my refund has already been issued.

Good times ahead!
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      04-18-2014, 02:04 PM   #47
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Quote:
Originally Posted by P1et View Post
I was on my way to Dallas this week when I stopped for fuel when my credit card was declined at two petrol stations. This was followed by an email by my bank to call them in regards to a fraud alert. I call them and check my online statement:

1) attempt made to buy EasyJet tickets (successful, but bank already refunded) out of the UK
2) attempt made to buy something from Groupon out of Johannesburg, South Africa
3) attempt made to buy airplane tickets on Air Canade out of Canada

This was all on the same day, and all online of course.
sux, I did eventually get all the credit back. But since my bank card was hacked I switched daily duties to a bankamericard visa cash rewards. I feel safer knowing the card is not attached to my bank account. Maybe it's a false sense of security, IDK.
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      04-18-2014, 02:27 PM   #48
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Originally Posted by upstatedoc View Post
sux, I did eventually get all the credit back. But since my bank card was hacked I switched daily duties to a bankamericard visa cash rewards. I feel safer knowing the card is not attached to my bank account. Maybe it's a false sense of security, IDK.
Bankamericard cash rewards is excellent when it comes to fraud protection. I may have already mentioned this but I haven't paid a dime of my own money as a result of fraud and I've been nailed several times.

They're never difficult when it comes to fraud claims either. The conversation is always -

Me: "Hi there I think my credit card number was compromised I didn't charge x, y, and z.
BoA rep: "I'm sorry to hear that we'll take care of that right away at no charge"

It's always a no-nonsense, hassle-free conversation.
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      04-18-2014, 05:00 PM   #49
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Got skimmed at a full service station in NJ. All kinds of charges to Sri Lanka . Credit Union reversed charges, and I got like $150 in rewards for the purchases which was weird, they earned 3x points.
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      04-18-2014, 05:00 PM   #50
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Quote:
Originally Posted by NemesisX View Post
Bankamericard cash rewards is excellent when it comes to fraud protection. I may have already mentioned this but I haven't paid a dime of my own money as a result of fraud and I've been nailed several times.

They're never difficult when it comes to fraud claims either. The conversation is always -

Me: "Hi there I think my credit card number was compromised I didn't charge x, y, and z.
BoA rep: "I'm sorry to hear that we'll take care of that right away at no charge"

It's always a no-nonsense, hassle-free conversation.
Never had an issue with my bank either. Money has already been refunded usually before I even call them. Easy.
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      04-21-2014, 10:28 AM   #51
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Quote:
Originally Posted by 2011CrazE89 View Post
Having my credit card hacked would be a blessing. I got a call from the IRS saying that they received my return twice and my refund has already been issued.

Good times ahead!

Hopefully it's just a clerical error and not someone else trying to file under your identity.
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      04-21-2014, 10:40 AM   #52
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Hopefully it's just a clerical error and not someone else trying to file under your identity.
Not so lucky. I file a joint return with my wife and unfortunately it appears that her identity was stolen. Ironically they had a recent hire in her HR department which only lasted a few weeks. IRS provided us with a pin# and affidavit and requested we file again, not electronically but snail mail. It could take 6 months to a year for us to get our return. We pay taxes all year only to get robbed of our return....... Unreal
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      04-21-2014, 10:59 AM   #53
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Quote:
Originally Posted by 2011CrazE89 View Post
Not so lucky. I file a joint return with my wife and unfortunately it appears that her identity was stolen. Ironically they had a recent hire in her HR department which only lasted a few weeks. IRS provided us with a pin# and affidavit and requested we file again, not electronically but snail mail. It could take 6 months to a year for us to get our return. We pay taxes all year only to get robbed of our return....... Unreal
One piece of advice is to review your W-4 declarations and adjust such that you do not get a refund at the end of the year. You have basically been giving the government an interest free loan over the year that they then pay you back as your refund. You should aim to have a minimal refund if not owe a small amount at the end of the year.
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      04-21-2014, 11:39 AM   #54
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Originally Posted by jwzimm View Post
One piece of advice is to review your W-4 declarations and adjust such that you do not get a refund at the end of the year. You have basically been giving the government an interest free loan over the year that they then pay you back as your refund. You should aim to have a minimal refund if not owe a small amount at the end of the year.
Good point. I listed our son as a dependent. I have to review my wife's W4. The return I'm pretty sure is due to her withholdings.
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      04-21-2014, 12:09 PM   #55
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I always end up paying taxes :
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      04-21-2014, 12:14 PM   #56
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Originally Posted by 2012bmw7 View Post
I always end up paying taxes :
Believe it or not, that is good. So long as you don't end up owing so much you get a penalty you are doing things right. It is better to hold on to your money throughout the year and gain interest/returns on it than to hand it over to Uncle Sam to hold and give back on April 15th.

It has always baffled me why folks like to get a refund every year. That is like be excited when you "find" the money you had been intentionally tucking under your mattress every week throughout the year.
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      04-21-2014, 06:44 PM   #57
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Just got the call today from Bank of America, $2200 attempt at Burberry.com

Happened to me a few times in the past usually my CC company's are good and catch them right away and call me to verify. One way they were getting my #'s were keyloggers from spyware and malware that were DL'ed from torrenting movies/music. But I recently got a new computer and kept it clean so not sure how they got my # this time
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      04-21-2014, 07:59 PM   #58
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Had this happen a couple of times over the years. Fortunately nothing more than a few dollars that were quickly refunded. All my CC's now text me with unusual charges to see if they are fraud or not. Makes things easy as I can immediately flag the card and stop the activity...
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      04-21-2014, 08:35 PM   #59
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Quote:
Originally Posted by jwzimm View Post
Believe it or not, that is good. So long as you don't end up owing so much you get a penalty you are doing things right. It is better to hold on to your money throughout the year and gain interest/returns on it than to hand it over to Uncle Sam to hold and give back on April 15th.

It has always baffled me why folks like to get a refund every year. That is like be excited when you "find" the money you had been intentionally tucking under your mattress every week throughout the year.
If people have the correct amount of exemptions and withholding, um, ya think maybe they get a refund due to itemized deductions? You act like people who get refunds are simple-minded, when in reality, they probably are a tad bit more sophisticated than Mr 1040 EZ.

I think people who recommend others bump their exemptions above and beyond what they really have, are just plain giving out stupid advice. Stupid.
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      04-21-2014, 08:56 PM   #60
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Originally Posted by BKV122 View Post
Just got the call today from Bank of America, $2200 attempt at Burberry.com

Happened to me a few times in the past usually my CC company's are good and catch them right away and call me to verify. One way they were getting my #'s were keyloggers from spyware and malware that were DL'ed from torrenting movies/music. But I recently got a new computer and kept it clean so not sure how they got my # this time
I only use my work computer for anything bank related because I only use it for work, never any shady Web sites.
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      04-21-2014, 10:47 PM   #61
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Quote:
Originally Posted by John 070 View Post
If people have the correct amount of exemptions and withholding, um, ya think maybe they get a refund due to itemized deductions? You act like people who get refunds are simple-minded, when in reality, they probably are a tad bit more sophisticated than Mr 1040 EZ.

I think people who recommend others bump their exemptions above and beyond what they really have, are just plain giving out stupid advice. Stupid.
ORLY? I happen to itemize every year (mortgage interest, sales and use tax, etc...). i haven't used the 1040EZ form in about 12 years. I have simply adjusted my W-4 up to make sure I do not end up with a refund come tax time. The worksheet they give you for the W-4 is rather pointless. As an example, I am single with no children and I am claiming 4 on my W-4 right now.

Be careful who you are calling stupid...
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      04-22-2014, 12:13 AM   #62
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Just went though this with Citi. Got a text message from them saying I needed to call about suspicious activity. Seemed odd to get a text instead of an automated call or e-mail, so I called the number on the back of my card. Someone made 4 purchases ranging from $239 to $300 each at a store that sold clothing for plus size women. I'm a dude btw. Citi overnighted me a new card and removed the charges. Shit happens, but that's why I never use my debit card.
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      04-24-2014, 06:04 PM   #63
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Just got hit on my Chase. I recall its the second time this year.
Really annoying to wait for new card and think how did they got by billing info. But great customer service from Chase.
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      04-24-2014, 10:33 PM   #64
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Just got hit on my Chase. I recall its the second time this year.
Really annoying to wait for new card and think how did they got by billing info. But great customer service from Chase.
Did Chase tell you in which countries the fraudulent activities came from and what they tried to buy?
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      04-25-2014, 11:36 AM   #65
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Originally Posted by jwzimm View Post
One piece of advice is to review your W-4 declarations and adjust such that you do not get a refund at the end of the year. You have basically been giving the government an interest free loan over the year that they then pay you back as your refund. You should aim to have a minimal refund if not owe a small amount at the end of the year.
It's not that complicated, let's say you have a wife and 2 kids which is normal. You could be M 0, M 1, M 2, M 3, M4. Why would you change that to M 8 so you have less withheld?

Income taxes are not rocket science. You may make 60k on your first job out of college and get a 12k bonus. that bonus will be taxed at a higher than normal rate for you and you'll thus get a refund.

I just don't buy the "no excuse for getting a refund" argument, it's weak.

Set your withholding at the right number. If you get a refund, there are circumstances that lead to it (I'll mention it again itemized deductions). Very few people have the exact circumstances year in and out.
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      04-25-2014, 11:38 AM   #66
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Did Chase tell you in which countries the fraudulent activities came from and what they tried to buy?
Chase is really good. I had to buy like 5 ultrabooks for work, and easily have enough credit to cover it. The clerk was looking all nervous like I were Eliot Spitzer taking money out of a bank. I said what's the problem, then I said oh, wait a sec. I had an email on my phone asking me to verify the purchase.
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