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Post by trainman9 on Nov 19, 2024 14:24:38 GMT
Just got a notification from our bank that we have had yet another data breach. Got our SS numbers and other information. This is about the tenth data breach within the last couple of years.
I wish people working at these institutions would be more careful when opening e-mails and other correspondence. Seems to me this is one of the major ways they compromise the information.
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Post by superwarp1 on Nov 19, 2024 16:31:25 GMT
Just got a notification from our bank that we have had yet another data breach. Got our SS numbers and other information. This is about the tenth data breach within the last couple of years.
I wish people working at these institutions would be more careful when opening e-mails and other correspondence. Seems to me this is one of the major ways they compromise the information. And companies being cheap on cyber security. Lock down your credit reports!
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Post by heavyduty on Nov 19, 2024 16:57:23 GMT
It is a given to have all devices, connected (cloud). Remember, if access is CONVENIENT, the same goes for bad actors to break in.
Like using the ATM card as a common credit card.... less we not forget the TAP crap for cell phone purchases
my $0.02
Pay your cards close to your chest.
Pep
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Post by elblumbo on Nov 19, 2024 18:49:55 GMT
"Lock down your credit reports!"
Finally decided to do this. All three bureaus. Don't apply for credit very much these days, so not that big a deal to unlock if need be. There are a few other agencies that were recommended to lock down as well, but I cannot recall which ones. You can also freeze your Social Security account and direct deposit from SS.
A key thing to do, even though it's a bit annoying is always using two factor identification for your bank, retirement and other financial accounts. Linking them to your cell phone by text means others cannot easily access your accounts unless they have your cell phone. And password protecting your cell phone (Apple's face ID works easily) is a good idea in case you lose it or it is stolen.
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Post by Adam on Nov 19, 2024 19:02:38 GMT
Locking credit reports is the best action you can take.
Data breaches and hacks are unfortunately here to stay. We all just need to learn how to identify scams and how to protect ourselves.
There are three things that I tell everyone to do.
1. Lock credit reports for all three companies
2. NEVER click on an email from a company saying you owe money, etc. instead, go to a browser and go to their website and log into your account.
3. Hang up (or let it go to voice mail) if someone calls you to tell you that you owe money, etc. and just go login to your account at that company. Same as number 2 above but the phone call version.
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Post by elblumbo on Nov 19, 2024 20:23:36 GMT
Also, be very careful if someone calls pretending they are your child or grandchild etc. and they need money sent fast. Usually a scam. Also Social Security, Banks, Mutual Funds will never call you asking for information that involves account numbers, passwords, etc. They NEVER do this.
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Post by elblumbo on Nov 19, 2024 20:26:15 GMT
Finally, and this is a real nuisance, check your bank accounts and credit card accounts on-line daily for illegitimate transactions, particularly credit cards. I've had four or five credit cards compromised over the last few years due to heavy use of on-line shopping. My damages. Time spent but no money. Banks are happy to cancel charges that are fraudulent. The sooner you notify them (also can be done on-line) the sooner they cancel the charges.
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Post by redjimmy1955 on Nov 19, 2024 22:13:56 GMT
Trainman isn't the only one to get hacked...I recently had two 900$ transactions put on my CAREFULLY guarded debit card.
Navy Federal came to the rescue, rather, they pinged me at 5am one morning.
All was straightened out. I recommend BEFORE using your card, see if you can pry the face off of the keys cover. That COULD signify that ATM or machine has a false front or has been monkeyed with.
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Post by chipset35 on Nov 20, 2024 10:40:56 GMT
Worst part about these hacks, according to the FBI 85% are done from the inside.
In fact, if you call any financial institution including PayPal and PayPal credit and you reach a call center in India you better be careful.
Do you know how many managers of those call centers over the past 20 years have been caught running ID theft scams and more with their employees?
I closed my PayPal and PayPal credit account after the first time this happened.
In fact, I once processed during my Cyber Security career the NDA's and other documents tech company's require Americans to sign and provide proof of who they are and signatures.
All the documents from our counter parts in India had an "X" scribbled in the signature box if at all, and no identification provided to prove who these people were.
When I inquired if I should reject these, I was told NO. Its India, it does not matter.
And the people in India getting the free pass were our Cyber Security Techs in India for our company.
One of the largest software companys, 3 letters followed by the word "Software".
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Post by trainman9 on Nov 20, 2024 14:37:23 GMT
We have done all the things recommended so we should be safe.
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Post by Adam on Nov 20, 2024 16:10:16 GMT
Another smart thing to do is to sign up for a credit monitoring service. Most major credit card companies offer one as doe all three of the credit services. They will alert you if there is any foul play.
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Post by trainman9 on Nov 20, 2024 18:33:39 GMT
Another smart thing to do is to sign up for a credit monitoring service. Most major credit card companies offer one as doe all three of the credit services. They will alert you if there is any foul play. We already did that as well.
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Post by atsda on Nov 20, 2024 20:46:33 GMT
I had to have one of my credit card accounts cancelled twice within the last three months because of fraudulent charges. (In each case, it took two weeks to get a new card.) I had a good idea of the companies where the problem originated. However, the credit card company did not want to take the information I could have provided. In one case, I caught the problem within hours; I don't think that they tried to deny the charge. Do the credit card companies actually do investigations? In any case, it costs the credit card company a lot of money when they have to eat the losses. At one time, it was common for charges to be denied on my card when it did not appear to match my buying profile. That does not seem to happen anymore. Alfred
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