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Date: Wed, 29 Apr 1998 21:05:52 -0700 (PDT) From: Phil Karn <karn@qualcomm.com> To: loki@infonex.com CC: johnl@iecc.com, mjr@nfr.net, cryptography@c2.net, karn@qualcomm.com In-reply-to: <v03102801b16d1993710f@[209.75.197.18]> (message from Lance Cottrell on Wed, 29 Apr 1998 11:00:32 -0700) >When delivering physical goods, delivering the product gives a physical >address where the user of the stolen card can be found. The Address Never underestimate the cleverness of a determined credit card thief to get around simple checks like these. When I bought a house 6 years ago, the rental place I had been living in went vacant for a couple of months. I'd go back occasionally to pick up any unforwarded mail. One day I discovered several boxes from Sears sitting on the lawn where UPS had left them. They contained chairs for a dining room set, and they had my name on them. Only I had never ordered them! Turns out somebody had stolen my Visa card number, ordered several thousand dollars worth of furniture at Sears and Pennys and had it delivered to my old address. They must have had the number for a while and then decided to use it when they saw the "FOR RENT" sign go up. This solved a mystery from several weeks earlier. A notice had arrived from Pennys, forwarded to my new address, saying my furniture had arrived and I should come down and pick it up. Furniture I hadn't ordered. I had written it off as a simple mistake at Pennys -- until I went to my old house and saw the boxes from Sears. Then I instantly knew what was going on. Pennys policy required the customer to bring in his card when picking up phone orders, so they didn't lose anything. But Sears just drop-shipped the stuff, so they lost out -- some earlier furniture had already been delivered that was no longer there. What really galled me was my call to the SD police detective who was supposedly in charge of investigating credit card fraud. I pointed out that the notice I'd received from Pennys had a phone number with an exchange in the same area as my old house, but it wasn't mine and it wasn't Pennys. That sure seemed like a very strong lead, but the detective said he wasn't interested. "If the company wants to investigate, they'll have to call me." Geez. Sure does turn you into a cynic. Phil
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