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My Citi mtvU Card Was Compromised

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Maybe I was tempting fate when I listed the virtual account number on my post about one time use credit card numbers or perhaps my credit card was caught up in the Global Payments breach (which prompted that post) but my Citi mtvU Card, which is slated to be replaced anyway, was compromised this week. I received a text message from Citi about a $10 charge late Tuesday night from nimbuzz.com, a mobile company. If I authorized the charge, I was to text back 1. If I didn’t, text back 2.

I texted back 2 and within seconds (it really was within seconds, I was kind of amazed) I got a phone call. Now, I’m not one to be suckered into a phishing scam but the representative identified themselves as being part of the fraud department, tried to confirm other transactions, and ultimately reissued a card with next day shipping (for free, waiving their usual $15 charge). Normally, I will call the credit card company but in this case they didn’t ask for any identifying information, so I figured I’d save myself some time.

Who knows if this is part of the Global Payments breach, but it seem unlikely since “only” 1.5 million numbers were stolen, but ultimately you can’t really do much. Liability for unauthorized purchases is capped at $50 by federal law and most credit card companies offer zero liability, so no sense losing sleep over it.

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8 Responses to “My Citi mtvU Card Was Compromised”

  1. thom says:

    Hm that’s pretty interesting. It would be a big flaw in their system if their “one-time” use virtual numbers weren’t actually one-time use. Ugly.

  2. cvargo says:

    Jim- I for one was shocked to see your picture in that post with the acct number visible. Next time I guess ya before you post a picture of a one time use acct #… use the acct number. :-) luckily they are sending you the new card fairly quickly. It sure can be frustrating when that happens regardless of the zero liability.

  3. Ray says:

    I’d avoid posting any credit card numbers on any public website. If you do your really just asking for trouble.

    For example that guy who advertises life lock who went around parading his SSN everywhere has had his identity stolen multiple times. Even if you think its safe, why put yourself at any risk.

  4. eric says:

    Holy! lol. That sucks, Jim. I’m reminded of the guy that runs LifeLock and actively posts his SSN online. Didn’t he get hacked multiple times?

  5. Scott says:

    Our CapOne mastercard just got compromised too. Probably part of this major breach. CC rep wouldn’t say if it was or wasn’t.


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