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pflog
Bueller? Bueller?
Premium,MVM
join:2001-09-01
El Dorado Hills, CA
kudos:3

[Credit Card Fraud] Charges from "WWW.DELLMONT.COM/A LUXEMB

I was looking over my bank account history and noticed that my check card number had been used in the amount of $14.67 along with a $0.44 international transaction fee for this:

CHECK CRD PURCHASE 09/18 WWW.DELLMONT.COM/A LUXEMBOURG LU

From what I can gather, this is a front for a bunch of different VoIP providers. I have not purchased anything VoIP related, and the only transactions matching my check card # (and not my wife's, because my bank said it was my card's number) are a purchase from the google market for the 90droid app 2 days prior to this fraudulent charge and a purchase from my company's cafateria 3 days prior. I did not use the card on the date of this transaction, and it appears as though it's not a swipe transaction anyway.

So I called my bank and they have cancelled and re-issued a new card, but I wanted to see if anyone else has been fraudulently charged by this company? I found quite a few reports of such charges and some false alarms from others who then realized they did purchase some sort of VoIP service, which in my case I have not done.

So just a heads up and I'm hoping maybe someone may know about this and can point me to some info on this shady company.
--
"Women. Can't live with 'em, pass the beer nuts." -Norm


CptGemini
Inside your computer
Premium
join:2004-11-29
Corpus Christi, TX
kudos:6

Re: [Credit Card Fraud] Charges from "WWW.DELLMONT.COM/A LU

While I have never been charged by that company I was charged for months without even really realizing it by some porn company I never heard of for almost that same amount. I thought nothing of it for so long until I was short on money and started canceling a lot of my subscriptions, luckily the transaction had a toll free number attached to the name so I called it and took care of it there.



pflog
Bueller? Bueller?
Premium,MVM
join:2001-09-01
El Dorado Hills, CA
kudos:3

There was no phone number associated with the charge, according to my bank.

The odd thing is, yesterday I saw a bill back (refund) on my statement, but it's NOT for the same amount.

Here's the original charge and transaction fee:

09/19/11 INTERNATIONAL PURCHASE TRANSACTION FEE $0.44
09/19/11 CHECK CRD PURCHASE 09/18 WWW.DELLMONT.COM/A LUXEMBOURG LU $14.67

And then yesterday this transaction showed up from the 19th:

09/20/11 CHECK CRD PUR RTRN 09/19 WWW.DELLMONT.COM/A LUXEMBOURG $14.43

I don't think this was my bank acting on my dispute claim, since the amount they told me I would be credited would be the total of the charge AND transaction fee. So it's like the people that stole from me refunded it, but perhaps the refunded amount was based on the current USD/Euro conversion rate which was slightly lower than when the original charge happened?

Should I call my bank? Does them being able to refund the money to my account mean my card was NOT cancelled properly? I would have expected them not to do anything, even refund money, but perhaps the card cancellation only works for charges?
--
"Women. Can't live with 'em, pass the beer nuts." -Norm


Dennis
Premium,Mod
join:2001-01-26
Algonquin, IL
kudos:5

said by pflog:

Should I call my bank?

Did you get ALL your money back? personally I'd do it just for the principle of it since the banks job is to help protect you.

Better to learn they are incompentant over $.50 than $50 in my opinion.
--
My Blog. Because I desperately need the acknowledgement of others.

Tabitha Ann Judd born 10/24: The Judd Family site!


pflog
Bueller? Bueller?
Premium,MVM
join:2001-09-01
El Dorado Hills, CA
kudos:3

No, still $0.68 short. I don't think it was my bank that got this refund. It looks like it was charged back from the origin. I guess it's possible they were able to somehow get ahold of this dellmont "company" and ask them to refund it. I'm guessing they returned the amount in euros and the exchange rate is the reason for the $14.67 vs. $14.33 difference. So at this point, my bank is responsible for $0.68 I guess
--
"Women. Can't live with 'em, pass the beer nuts." -Norm


MGD
Premium,MVM
join:2002-07-31
kudos:9

3 edits
reply to pflog

said by pflog:

There was no phone number associated with the charge, according to my bank. The odd thing is, yesterday I saw a bill back (refund) on my statement, but it's NOT for the same amount.

Here's the original charge and transaction fee:

09/19/11 INTERNATIONAL PURCHASE TRANSACTION FEE $0.44
09/19/11 CHECK CRD PURCHASE 09/18 WWW.DELLMONT.COM/A LUXEMBOURG LU $14.67

And then yesterday this transaction showed up from the 19th:

09/20/11 CHECK CRD PUR RTRN 09/19 WWW.DELLMONT.COM/A LUXEMBOURG $14.43

I don't think this was my bank acting on my dispute claim, since the amount they told me I would be credited would be the total of the charge AND transaction fee. So it's like the people that stole from me refunded it, but perhaps the refunded amount was based on the current USD/Euro conversion rate which was slightly lower than when the original charge happened?

Kudos for posting the exact line items of the transactions. It is much easier to determine what occurred and comment appropriately when this level of detail is supplied. The $14.43 credit was initiated directly by DELLMONT against the initial $14.67 charge. The original billing was in Euros, and they credited you the same Euro amount. The $0.24 discrepancy between the original and refund is likely due to the processors and banks exchange conversion rates. Banks and processors pad and mark-up exchange rates on a daily basis.

Without knowing the exact timing between your complaint to your bank and the refund initiation, it is possible that Dellmont could have generated the payment return all on their own. For example, if they discovered that a rogue purchaser or reseller had submitted a batch purchase using numerous hijacked cards, then Dellmont would likely refund all of the transactions in that batch once several were discovered to be fraudulent in order to avoid charge back fees. Or they could have quickly responded to your bank's complaint and issued a refund in order to minimize fees also.

said by pflog:

So just a heads up and I'm hoping maybe someone may know about this and can point me to some info on this shady company.

Dellmont is legitimate, they are part of the EU based Betamax / Finarea voip group. They have been around for many years, VOIPBUSTER, VOIPSTUNT, etc, etc. Like many global Voip providers they have been a prized target for global cyber criminals and scammers. Voip services are a valued tool for cyber criminals, both as a fraudulently purchased resale item, and as a toolbox item to facilitate cyber crime by enabling them to project themselves around the globe. Up to 25% of online purchase attempts of VOIP services are made with hijacked card data. I am sure that any resellers or wholesale providers who frequent DSLR VOIP forums »VOIP Tech Chat can also attest to that. At one time Betamax / Finarea even stopped accepting card transactions for service purchases, for a year or so due to this plague.

There is little doubt that this transaction was initiated by a user/ reseller purchasing VOIP services with your compromised card data.

said by pflog:

..... Does them being able to refund the money to my account mean my card was NOT cancelled properly? .....

No, all refunds and prior authorizations will still process for between 30 and 90 days after a card has been canceled. The transactions will "roll over" to the new card number. All new purchases & authorization request will be denied against the card once canceled.

You are required to be made whole from the fraudulent transaction, so it is your bank's responsibility to address the currency discrepancy, and obtain a refund of the currency processing fee which was a separate transaction.

Kudos again for immediately canceling your card and addressing the issue. It is S.O.P. to cancel and replace a card even for one transaction that is identified as fraudulent, regardless of the amount. One triggering event means your card data has been compromised, it cannot be reclaimed or recovered, immediate replacement is the only solution. Unfortunately, since they are a "not for profit", many CREDIT UNIONS charge a $20 to $25 fee any time a card is replaced, irrespective of who is at fault. Some consumers may refrain from replacement when a fraud charge is small and subsequently refunded, a big mistake in my opinion.

MGD


Kayco

@orange.es
reply to pflog

I too have just found a debit on my card for 14.21 € from these Dellmont people plus a charge of 30.00 € transaction fee.
Going into the Dellmont website all I found was a request for my credit card details etc. etc.
Of course I have not filled in this request and will be asking my bank tomorrow to refund me the total amount.

S.K.