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"I'm Closing My Account! This is MY Money!"
So, I've been trying to think of any story worthy of this subreddit for a while now. So, how about one of the times I caught someone actively committing identity theft? warning: some lovely profanity TL;DR at bottom; it's very long. --- Little backstory: My call center was a service center for a number of banks in the US. Third Party Vendor. Thankfully, I no longer work there. At the time, I was specifically in the fraud department, so catching people actively commiting fraud happened occasionally. Mostly it was just remedying accounts with fraud transactions and dealing with angry people screaming over their cards getting declined. This little scammy man called in so many times. I spoke with him twice and caught him stealing a family member's credit card and identity. Here's what went down. M = Me LD = My Lead, the star investigator who listened once shown the evidence FD = The Fraudster, our main dude, probably in his 20s/30s (age is important here) AW = Accomplice Woman, clueless woman roped into a mess, also in her 20s/30s --- First call M: Thanks you for calling Third Party on behalf of your bank. My name is Shimmer_bee, how can I assist you today? FD: Uh, yea, I'm trying to buy some gift cards at Publix and my card is getting declined. M: Ok, I'll be happy to assist, may I have your card number and CVV? FD: *provides\* M: And your name and SSN? FD: *provides\* M: And your date of birth? FD: 5/18/1948 M: Alright, thanks for providing that information. Let me place you on hold while I access your account. I put him on hold and immediately start scorwing this account for anything else out of place. Now, the date of birth on this account is listed as like 5/18/1948. The person I'm talking with is in their 20s, 30s tops; I can tell just by the voice. They're supposed to be in their 70s or 80s [RED FLAG]. There've been 2 new cards issued in the past month after another the previous ones were lost [RED FLAG]. I start going through the charges and they're for places like clubs, liquor shops, fast food places, and big box stores/pharmacies. Now, the big box stores and pharmacies, those transactions are all like $500, $750, $200...gift cards. Those are gift cards. None of this matched the prior spending on the account before the card was lost the first time. Also, grandpa hitting up the clubs? Ha.[BIG. FUCKING. RED. FLAG.] I check back in with the cardholder and tell him it will be just a few minutes longer, my system was having trouble. He was absolutely chill with that. I decided to call our escalations line for a second look. I've already seen a note from our investigations team that they've researched the account and that all is fine; the person calling is the cardholder. The investigations team runs a background report and pulls calls on accounts sent to them (or that's what they're supposed to do). Now, I know there's something wrong, because there is CLEARLY some shit going down on this account. He's called in about 7 times this week! [RED FLAG] The escalations line tells me to proceed with unblocking the account and reaffirms the investigations team's decision. I can no longer take any protective action on the account. I'm pissed. So I go back to the caller and start the process of unblocking the account. Me: Thanks for holding, I just need to go over some charges with you? FD: It's fine. Me: Ok, so three days ago I see a charge for $167.32 at (strip club), is that something you attempted? FD: I've been letting my grandson use my card, that was something he did. Me: Ok, and I see two days ago, $700.00 at CVS. Is that something you attempted? FD: Yes. Me: And then I see here today, $2,000 at Publix. Is that what you were trying to put through? [$2,000 was the real amount.Are you fucking kidding me?AT PUBLIX?!?!] FD: Yea, my grandson needs some gift cards, he's here with me. At this point, I have to remove the hold from his account. I'm fuming, but I do it. I just know that this is not the real cardholder, but I have to abide by what the escalations agent and the investigations team said. He makes the transaction and $2,000 of fraudulently purchased gift cards goes through. End of call. I leave work that day so frustrated. I just hoped he'd call back and get caught, because this was going to be a BIG LOSS for my company since we actively let the identity theft go on. It was going on like $5,000 dollars at this point. --- A week or so passed and I'd kinda forgotten about it at this point. We had other, much funnier calls that week. Poorly executed identity theft calls on accounts where the cardholder has been marked as deceased. The usual. Then it happened; just my luck, my friend calls back in. Second call M: Thanks you for calling Third Party on behalf of your bank. My name is Shimmer_bee, how can I assist you today? FD: Hey, yea, I'm trying to make a purchase and my card's getting declined. M: Ok, I'll be happy to assist, I just need to verify some information first. We proceed with the verification and as soon his name and date of birth pop up, I know who this is. I tell him I'll put him on a brief hold while I look over the account. Holy. Fuck. At this point he's called in about 3 more times after getting declined. Twenty. Thousand. Dollars. In. Fraud.$20,000!!!! I wanted to snap so bad. But again, I had to hold up the decision made by the investigations team previously. Only, when I look at the account, I see another agent has gone "nah, fuck that," and referred the dude to the bank. His account is LOCKED DOWN. The account has been sent back off for reinvestigation. I start feeling cocky, because this guy has finally been caught. So, I go back to him and tell him the good news. Me: Thanks so much for holding, sorry about that wait time. It looks like at this time the hold that's on your account requires you to visit your local branch for further assistance. FD: Ok, but this is my grandfather's card, he's letting me use it. YO, GOT'EM. I knew for a fact this was the same person that called last time, and now we've got him on a recorded line saying he's both the grandfather and the grandson. Bruh. You done. Also, you just verified on someone else's account that you're not listed on, being the grandson and all. Instant shutdown. Me: Unfortunately sir, your grandfather will need to visit the local branch at his first convenience. There's nothing more we can do at this time. This is a branch hold. FD: Nah, fuck that. I wanna speak with your supervisor. Me::) Just a moment sir, let me get someone on the line. So, I call the escalations line again with a huge smile on my face. This man has outed himself. I'm putting it in the notes. No more fraud for you, mister. My lead picks up and things only get better from here. (Note, she's in the cube right in front of mine, so I can lean over and point stuff out.) Me: So, hey, I have a fraudster on the line and now they want to speak with a sup. LD: How do you know it's a fraudster? Me: Well...for starters, he's claimed to be both the grandfather and grandson on the two calls I've had him on. LD: Ok, but did you pull a background report? Me: No, I didn't. let me do that. Here's the account. Grandpa/grandson's been in the strip clubs. My lead is still skeptical while I explain a little more about the account and pull up the background report. She's about to tell me just to leave it be and remove the hold (per the investigations team report), when I find the most incriminating evidence and nearly scream with joy. Me:LD, IT'S A WOMAN! LD: What? Me: The cardholder, they're supposed to be a woman! I'm speaking with a man! LD:\still hesitant at this point** You know the background report isn't reliable if you just pull gender from the sources? That's not enough evidence and it's likely wro- Me: I GOT THE DRIVERS LICENCE. LD, it's the driver's licence, the cardholder is a woman! At this point, I'm almost in tears. I've caught this man absolutely red handed. I did my job, even when others didn't do their's properly. If the investigations team would have pulled the background report in detail, they would have seen the gender. This would have been stopped. If you only pull a basic report, the gender can often be inaccurate. That might have been what the investigations team did, so in that case the gender listed was a crapshoot. But I was able to source this straight from the cardholder's driver's licence by pulling up the detailed report. There was no denying it, we had someone pretending to be this poor woman, racking up $20,000 in fraud chargers. LD: So you've spoken to them before? Me: Yes. I go on to explain everything I found. The wild charges, the cards that were sent out after the others were lost, the same person calling, and the investigations team's judgement. Lead (who's now in the investigations department) starts going through the account in more detail. She notices that nothing's been changed on the account, per say, but someone is definitely doing something here. So, she advises me to call the cardholder on the phone number listed in the background report. I do. The same man answers. I tell him again I'm still trying to get my sup on the line, it will just be a few more minutes. It wasn't. She reviewed the account and pulled calls for nearly an hour. This man waited. For an hour. Then, she finally found the original call where the card was reported lost. What do you know? The person who called in is a woman. We have solid proof now, and she places the highest security hold we have on the account. No one can remove this hold except for leads and above. I feel vindicated. THEN, my lead calls the number on the background report. I get put on hold by the fraudster. My lead asks for MRS. Name. He hangs up on her and comes back to me. By now, my lead has ok-ed me to transfer the call so she can take over. I decide to stay on the line. Me: Thanks so much for holding sir, sorry about the long hold time. I do have my supervisor on the line by the name of Lead, she'll be assisting you from here. Is there anything else I can assist with before I disconnect? FD: No. Me: Alright. Well again, my name is Shimmer_bee, thank you for calling Third Party on behalf of your bank, and we'd like to thank you for being a valued client. \mutes phone** FD:\huffs** hello? LD: Yes, hi. My name is Lead and I just need to inform this call is being recorded or monitored for quality assurance purposes. FD: Yea, yea. I need my card unlocked. LD: And can I have your name, sir, please? FD: Mr. Name. LD: And you previously reported the card lost, twice? FD: Yea, the first one went to the wrong address. LD: And what was the last transaction you were trying to do? FD: The one for (bitcoin funding website). LD: For $300? FD: Yes. LD: Ok, and I see there was another transaction here, (suspicious transaction)? FD: Yes, that was my grandson. LD: Oh, I'm sorry, my agent said that YOU were the grandson. FD:\knows he's caught in the lie now** Uhh.. LD: I'm sorry sir, but I'll need to speak with MRS. Name, is she there? FD: She can't come to the phone, she's sick. C'mon just unlock the card, all the other agents did it. LD: I'm sorry sir, I can't speak with anyone but Mrs. Name. I have to speak with her to unlock the card. There's a bit of shuffling and muffled arguing before a woman comes on the phone. AW: Yes, this is Mrs. Name speaking. LD: Hi there, Mrs. Name. My name is Lead and I just need to inform this call is being recorded or monitored for quality assurance purposes. AW: Ok, can you unlock my card now? LD: Well ma'am, I do have to verify you before we proceed. My lead asks the verification questions. The accomplice is obviously being fed the answers. She also sounds like she's in her 20s/30s. LD: Ok, so the the most recent transaction was for (bitcoin funding website), is that correct? AW: Uh, yes? LD: Alright wonderful. Let me place you on a brief hold and then we can see about getting that security hold removed. AW: Ok. She gets placed back on hold while my lead resends the account for investigation. She included the calls and all my notes. The account is notated that the hold cannot be removed until we speak with the true cardholder. LD: Ok, thanks so much for holding. Unfortunately, it looks like you will have to go to a branch to have this hold removed. AW: Oh, ok. There's more shuffling before the fraudster comes back on the phone. FD: I thought you were going to remove the hold?!?! LD: Sir, at this time I can only speak with MRS. Name. FD: Fuck that. FUCK THIS BANK. Unlock the card! LD: Sir, if you continue to use that language, I will need to disconnect from the call. At this time, Mrs. Name will need to go to her local branch with two forms of ID and a utility bill to have them faxed in for review before we are able to remove the hold. FD: NAH, SHE AIN'T GOIN' ANYWHERE. FUCK THIS BANK, I'M CLOSING MY ACCOUNT. THIS IS MY MONEY! LD: Again, sir. If you continue to use that lang- FD: FUCK YOU, BITCH! Y'ALL A SORRY ASS BANK. I'M CLO- LD: Sir, I've warned you about the language. At this time I will need to disconnect the call. Once again, thank you for calling Third Party on behalf of your bank, and we'd like to thank you for being a valued client. She hung up while he was still screaming. From what I heard, the old woman did eventually visit her branch and we were able to inform her of someone in her house/family stealing her identity. Her card was shut down. I hope she filed charges. From what I've been told, if it's someone you know and/or family who runs up your credit card fraudulently, you have to press charges for the dispute to be processed. In the end, there were over $20,000 in fraudulent charges. I got a lovely $20 extra on my next check and was soon put on the escations line myself. Not my worst call, but definitely a memorable one. TL;DR: Man steals identity of ambiguously named grandmother, runs up $5,000 in fraudulent charges. Inaccurate information prevents me from putting a stop to his madness on his first call with me. Second call results in him being confronted about the true cardholder being a woman. Man puts accomplice on phone. Account is still locked down and cardholder is requested to visit the branch. Screaming ensures. The account gets shut down after nearly $20,000 of fraudulent transactions occurred. I get sweet vindication knowing I was right all along. Edit: Changed some wording. Edit 2: Thank you so much for the gold!
Basics for how to do carding Points we will go through: - What is carding? - What are the factors relates to carding? - How it’s done - the process itself. - Precautionary measures Carder should take. Overview: Nowadays, if we see the credit card fraud trend, it is being increased day by day and new techniques being discovered to hack the credit card info and use it for malicious purpose so it's a good growing business. As everything goes cashless, the use of a credit card will be necessary for everyone. There are so many ways to get the credit card details available on the internet through Darknet sites as well as on TOR sites (Data Leak .etc.). As we can see on social media sites and groups, most of the carders provide the offers which are collected from Online Sites, offline stores etc. and groups for your reference: Be aware that you should never contact a ripper. A Ripper is a fraud who takes the money and never deliver the product. Bad ways are: Facebook and WhatsApp groups Let’s start with the basics.
Introduction to Carding and Key Points:
There are multiple definitions available per different views. Carding itself is defined as the illegal use of the card (Credit/Debit) by unauthorized people (carder) to buy a product. 1.1 Key points in carding method. 2. Let start to understand each point one by one. 2.1 Computer (PC): For doing carding always use a computer. I know some methods using a mobile device, but it is less secure and involves more risk. 2.2 SOCKS: SOCKS stands for SOCKet Secure. It is internet protocol which allows client and server traffic pass through a proxy server, so real IP is getting hidden and proxy IP get reflected. This is useful while carding because carder wants to use the credit card holder’s location while doing it. Users can buy SOCKS. 2.3 Mac Address Changer and crypting: MAC stands for Media Access Control. It is the unique address of every Network Interface Card (NIC). A MAC address changer allows you to change the MAC address of NIC instantly. It is required to be anonymous and safe. Sure the best way is to have your computer encrypted - find some software to encrypt the PC. E.x. Best Crypt. Do not forget to fully turn off the PC while moving somewhere. 2.4 CCleaner: It is very useful tool help in cleaning your browsing history, cookies, temp files, etc. Many people ignore this part and get caught, so be careful and don’t forget to use it. 2.5 RDP (Remote Desktop Protocol): RDP allows one computer to connect to another computer within the network. It is protocol developed by Microsoft. Basically, carders use it to connect to computers of the geolocation of the person whose credit card carder want to use. It is used for safety and stay anon. Here carders using others’ PC for doing carding instead of their own. 2.6 DROP: DROP is an address which the carder uses for the shipping address in the carding process. Let me explain in details with an example: If I am carding with US credit card, then I use USA address as shipping address then my order will be shipped successfully, and I will be safe. If you have relatives/friends, then no problem, otherwise use sites who provide drop services only we have to pay extra for shipping it. 2.7 credit card (Credit Card): This part is very much important so read it carefully. Any credit card it is in the following format: | credit card Number | Exp Date | CVV2 code | Name on the Card | Address | City | State | Country | Zip code | Phone number (sometimes not included depending on where you get your credit card from)| e.g.: (randomly taken numbedetails) | 4305873969346315 | 05 | 2018 | 591 | UNITED STATES | John Mechanic | 201 Stone Wayne Lane | Easternton | MA | 01949 |
Types of Credit Card:
Every Credit card company starts their credit card number with a unique number to identify individually like shown below American Express (AMEX Card) – 3 Visa Card – 4 Master Card – 5 Discover (Disco) – 6 Company wise credit card details:
Classic: The Card is used worldwide in any locations designated by Visa, including ATMs, real and virtual Stores, and shops offering goods and services by mail and telephone. Gold – This card has a higher limit capacity. Most used card and adopted worldwide. Platinum – Card is having limits over $10,000. Signature – No preset spending limit – great bin to get Infinite – Most prestigious card with having virtually no limit. There is less in circulation so be alert when buying these. Use only with reputable sellers! Business – it can be used for small to medium sized businesses, usually has a limit. Corporate – it can be used with medium to large size businesses, having more limit than a Business card. Black – It has limited membership. It has no limit only having $500 annual fee, high-end card.
Standard – it is same as classic visa card. Gold – it is same as visa gold card. Platinum – it is same as visa platinum card World – it has a very high limit. World Elite – it is virtually no limit, high-end card.
Gold – it usually has around a 10k limit. Platinum- is usually has a higher limit (around 35k). Centurion – it has a High limit (75k+). It is also known as the black card, note: do not confuse with visa black card. Now we can start with some of the questionnaire and Basic concepts before start practical process of Carding. Q1. What is BIN? It is known as Bank Identification Number (BIN). It is a 6-digit number e.g.: 431408. Some of the reference sites which give BIN info which I also refer: www.bins.pro www.binlists.com www.exactbins.com Simply go to the site (www.bins.pro) enter BIN number and click on find to get the details. I have added first 4 digits only. You can filter out the option as per requirement shown below We got most of the information from the site. Now the question is how to know the balance of CC. is it possible? and answer is Yes, I will let you know step by step using normal as well as Skype method J Q2. What is the meaning of VBV, NON VBV and MSC? VBV (Verified by Visa) – Extra level protection is added by Visa to protect the Card from fraud. Like DOB, password, Social Security Number and Mother’s name, etc. also sending OTP (one-time password) as extra security level to card owner mobile number to validate the transaction. NON VBV (Verified by Visa) –Handy to use. No need extra information as specified in VBV card while doing the transaction. Note it down (IMP)- Carders mainly buy and use NON VBV cards for carding. MSC (MasterCard Secure Code) – security level same as VBV card. Q3. What is AVS? It stands for Address Verification System It is the system which is used to identify the credit card holder original address with billing address provided by the user while shopping or online transaction. The system is used to identify the online fraud over the internet. Q4. How to check credit card is live or dead? There are many sites available on the internet to verify credit card is live or dead, but they charge for it approx. $0.001 (price may vary). Also, 80% websites kill the credit card so never use it. There are tools also available on the internet to check the credit card status, but most of them are a backdoor or Trojan so prefer not to use it. As such there is no easy method to check it. Carder uses own ways to find it out. One of the ways is… Most carder go to Porn sites, buy a membership and confirm the credit card is live and proceed with carding. Q5. How to check the credit card is live or dead? (Skype Method) (Note: method is posted on March 16) Login into Skype account and call on Magic number +18005xx5633 (masked). You will connect to voice mail (lady’s voice). Start by entering the credit card number, and voice mail lady will stop automatically. After that enter Expiry date of a card like 01 16 (mm: yy format). If your credit card is live then voice mail lady will speak like “Thank you for calling, we really appreciate your business, since u are a 1st-time caller we would like to connect you .. blah blah” then just hang the call. But if the credit card is used and voice mail lady speak like “Ohh I’m sorry please re-enter your credit card number now” then the card is dead. You can repeat the same process as many time you want. Note: You need a good internet connection for Skype calls. Q6. What is Bill=ship/Bill=CC/Ship=your Address? Kindly pay attention here as it is also the main portion in carding process. Any mistake will cancel the order and id get blocked. BILL=SHIP (Billing address: Shipping address) Take a scenario of normal online shopping scenario, when you are doing carding you will use billing address and shipping address are same. Means in both u will use your address. No need to use credit card address. Bill=Shipping address, Ship=your address When you are doing carding, you will use credit card holder address as your billing address, and shipping address will be your address. Most sites use this method. Now we cleared basic concepts and start with the actual process of carding. Setup SOCKS proxy in Firefox: Follow the steps: open Firefox, go to options, advanced options, network A pop-up will come. It will show options No proxy 2. Auto Detect 3. Use system proxy 4. Manual proxy configuration Select manual proxy configuration. Enter socks host: <> and port: <> e.g.: 126.96.36.199: 8080. Press ok and restart Firefox. Now you are connected to secure Socks5 J Ethical Hacking Training – Resources (InfoSec) Note: when you buy a socks always match with credit card holder address. If credit card holder is from California, USA then try to get SOCKS5 at least matching state, country J Guys now time to start the Carding process. Kindly follow the steps: Create the email id matching with credit card holder name. If his name is John Cena ( the random name was taken), then email id should be [email protected] or near about. Now Run RDP and connect to the credit card holder location system to proceed. If you didn’t have RDP, then follow following steps. Open MAC changer and change the address randomly. Run CCleaner and clean all the unwanted data (cookies/history/temp data etc.). Setup SOCKS5 proxy in Firefox. <>. Be sure to use SOCK5 is matching to the location of credit card holder and be aware not to use blacklisted IP. Check with www.check2ip.com Open the site for shopping. I want to recommend a website shop from your country because you don`t need to wait a lot for your package. Register with credit card holder information (John Cena), name, country, city, address, and email. Shop and choose your item and add to cart. Precaution: Select item not more than $500 at first step. In shipping address add your address or drop address where the product is going to deliver. Then go to the payment page and choose payment method like a credit card. Enter all details of credit card manually because most of site having copy paste detector script. Finally, in billing address add credit card owner address info and then proceed with the payment process. If everything all right then the order will get successfully placed. Once the order arrives at the shipping address, receive it from delivery boy. (Few carder arrange fake id if delivery boy ask for proof). Carding method using mobile: Extra pro carder uses mobile for doing carding. If you followed steps carefully, you would also do that. Basic requirement: Require rooted Android mobile. Install few application require for carding (proxy apps, CCleaner, IMEI changer, Photo and Android ID changer). You can use any VPN for carding I recommend HMA or Zen mate. You can use SOCKS5 proxy with proxy droid apps. Also, proceed with IMEI and Android ID changer and do it. Now connect with proxy droid with SOCKS5 proxy and connect it. Now follow all the steps explained above. Reference: CC and dumps shop to buy www.antigreedy.com Buy SOCKS Download CCleaner Download MAC address Download SOCKS Acronyms: BIN: Bank Identification Number CC: Credit Card CCN: Credit Card Number CVV/CVV2: Credit Verification Value (Card Security Code) SSN: Social Security Number MMN: Mother Maiden Name DOB: Date Of Birth COB: Change of Billing VBV: Verified by Visa MCSC: MasterCard Secure Code POS: Point of Sale VPN: Virtual Private Network BTC: Bitcoin Personal Advice: Be safe and have fun, get money. *Telegram @AntiGreedy *ICQ 743526859 *Jabber [antigreedy_[email protected]](mailto:[email protected]) * www.antigreedy.com * antigreedy.bazar *TOR - antig4vt6kvg7am6.onion
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