My folks' credit card number done got stolen!

Rummaging through their mail as I sometimes do (mainly out of curiosity, but sometimes I still receive mail from people at their house) I noticed what at first looked like junk mail from a well-known national ISP. Fortunately, I noticed that it said “welcome aboard!” or something to that effect, and I opened it up to find out that my parents credit card has paid for a nice new account with this company.

The problem, of course, is that they never did any such thing themselves (they’re perfectly happy with their friendly local ISP). A quick check with the credit card company verified that, in fact, this ISP has billed VISA for a month’s worth of their services (not too expensive, fortunately, only $11 for the first month).

The letter from the ISP contained the username and password for this account, so I put my detective hat on and decided to take a peek at what, if any, e-mail would be in this account that was activated just a few days previous. As it turns out, it was about 1,200 pieces of spam, about 1/3 of it with current dates on it, and about 2/3s with dates in the year 2000.

A check on Google’s usenet archive (how complete is that thing, anyway? I know it used to have some gaping holes in the late 1990’s or something after they acquired the whole thing from DejaNews) I find that the exact e-mail address belonged to a person who posted in various nasty xxx newsgroups in 1996 and 1997.

SO, the general question here is this: what in the hell am I dealing with here? Has their credit card number been stolen by a spammer? Is this a common problem? In general terms, how would a crime such as this be perpetrated? (note, of course, that neither I nor, I imagine, The Chicago Reader, have any interest in specific details on how to commit credit card fraud) And, probably most importantly, what are some not-so-obvious precautions we should be taking to lessen the chances of this ever happening again?

The first order of business is to cancel the account immediately and report the fraudulent charges to the credit card company. Have the ISP letter, the credit card statement handy. Also be on the lookout for any other fraudulent charges. Do this right away. The longer a thief has with your account, the more charges he can rack up.

http://www.ftc.gov/bcp/conline/pubs/credit/cards.htm