So the day before my birthday, earlier this month, someone got hold of my credit card number. Unlike before when this happened, my plastic was still secured snugly in my wallet, so the likely scenario is that somebody grabbed it from some Internet e-commerce database or copied it from a receipt in a store.
Luckily, FIA Card Services discovered it almost immediately and by the evening called to let me know there had been suspicious activity on my card. The total damage: $97. Andrew and I laughed over dinner that this obviously amateur credit card thief hadn't gone on more of a shopping spree. The last time someone lifted my credit cards (slipping them from my wallet at work several days before Christmas) they went on an afternoon-long shopping spree that started at a Target in Daly City and ended (when the cards were finally turned off) at the Tiffany & Co. in Walnut Creek. The card companies in that case were set back nearly $3,000.
But here's the weirdest part of this story. A couple of days ago, I got a box via UPS. From a supplement company. I opened it up to find this "cleansing system" that promised to rid me of gas and bloating. It was one of those membership programs with this beaming guy named Tony beaming on the enclosed brochure, promising to make me feel better forever. The invoice was for $75. And the product was shipped, and billed, to me. Ordered over the Internet on 1/5, the day that Internet thief had stolen my card.
I was a little thrown off. Why in the world would somebody use a stolen credit card to have product shipped to someone else? I thought maybe it was a mistake at first. And yet, today, UPS pulled up again. One of the fraudulent charges I remember from the list that the fraud services rep read off was for a coffee company called Boca Java -- I remember it only because it was the first company I didn't recognize after he read off some of my genuine charges, and I had to think for a moment whether I'd ordered coffee online for someone. Well guess what showed up today! Four bags of coffee, a bag of cocoa, two mugs and some gingerbread. Billed and shipped to me.
I am a little nervous about this. First, would somebody really be that dumb? Second, in both cases somebody signed me up for a monthly membership to these companies; Boca Java promised me another shipment next month. What I'm trying to figure out is ... is this a scam that I'm not smart enough to catch on to yet? Even though my card got canceled, will I inevitably be bitten by these products that keep showing up to my house? And what is my thieving friend getting out of this?
Whatever it is, I'm hoping it's just somebody who's sitting at home waiting for his/her box of Boca Java coffee to arrive and realizing that he/she bungled the scam.
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