I'm getting kind of freaked out.
A month or two ago, someone tried to use my ATM card to make a purchase of around $400 from gamestop.com, a site I've never visited. Gamestop apparently thought it seemed fishy, and called me, and I told them it wasn't me. I immediately called my bank, who checked all my transactions -- that was the only fraudulent one, and it didn't go through because Gamestop had caught it. But I had them close my account anyway.
The other day, a fraudulent charge appeared on my PayPal account, which I virtually never use. I reported it, PayPal put me through their fraud process which included changing my password, and they reversed it out right away.
This morning, someone tried to charge over a thousand dollars on an airline miles credit card I have. The charge was declined and the credit card company called me with a fraud alert.
I confirmed it was not my charge, reviewed all my other charges with them (they were fine), and canceled the card.
I never enter my credit card in public computers or my laptop. I have a router, a firewall, and spyware, adware, and antivirus programs -- Norton 360, Spybot, Adaware -- and run them all frequently, with Norton running in the background at all times. All of them are on auto-update or I update them manually every week. I have had computer techs tell me I have the cleanest machine they've ever checked. I don't even accept COOKIES except manually, even though I know they can't "do" anything to my computer.
Of course, I do use my credit cards and debit card in real life -- at restaurants, airlines, the vet, whatever. I hand them to waiters and they bring them back, and I never think about it.
The PayPal incident freaks me out, because how could someone have had my account password? It's not an easily guessable one. I've never given it to anyone, no one shares my computer, and I have never logged into PayPal from anything but my desktop at home. And like I said, I almost never use PayPal. I've never used EBay or any auction sites. I don't buy stuff online from individuals. I just don't use it much.
I have been changing and mixing up my passwords all over the web, I have checked and re-checked with my anti-spyware software and nothing comes up.
I'm seriously starting to freak out, though. If it weren't for the PayPal incident, which for all I know was some kind of computer glitch and had nothing to do with my account being compromised, I would feel sure this was a "real life" credit card theft... but now this one involves TWO cards, my debit card and my airline mileage card.
I'm not sure what to do. Eeek.
Editing to add: I did obtain my credit reports, and there are no incorrect addresses, no unexplained inquiries, and no accounts that aren't mine.
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