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Email this5:55 am
September 11, 2013
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A $5 charge appears on my TD VISA credit card dated Feb 2 coded FACBK *YCS6LD2R82 fb me/ads. Anybody know what this is, I've no clue. I have a Facebook id but I use it about once a year to check out an event or something that is only posted on FB but I haven't done that in a long time.
6:00 am
January 3, 2013
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Sounds you have a linked credit card to your FB account. Maybe someone (If not yourself accidentally) got in your account and posted an Ad. You can check this by going to FB.
11:21 am
September 11, 2013
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I phoned VISA, they said it looks like fraud (often fraudsters'll try a small amount to see if it gets through and then they go big) so they cancelled my card.
11:34 am
December 17, 2016
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Disappointed that TD didn't send you an alert regarding possible fraud - I'm sure they've seen other similar low-level Facebook charges pass through their system.
The reason I bring that up is because my bank is always bragging about the algorithms they use to track and zero in on MY spending habits - a cyber folder, so to speak.
I travel to Europe a lot and last fall I went to purchase a discounted train ticket for a trip and the transaction was denied. I phoned the bank and asked if they denied the transaction - they said they did and I asked why they did that given my travel spending history - they told me that my card was now reopened and good to go for the transaction - they wanted no discussion about their famous algorithms ... pffft.
3:59 pm
October 21, 2013
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This may be a good time to check your credit history with the credit bureaus, Bill, to make sure nothing else has gone awry. Also check the registration on your house
7:13 pm
September 11, 2013
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Really? Not too concerned about my credit record, I'll not borrow money again in my life, or is there another reason I should worry about my credit history or score? How, in Ontario, does one check in the easiest way the registration on their house? Should I check the registration on seasonal property too?
9:27 pm
October 21, 2013
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You've had some kind of security breach, from unknown origin, so I would be very cautious. The credit card issuer will shut down that route, but the concern is others which may have been opened in the interim.
My concern would not be so much about you needing credit but about someone else getting credit iin your name.
You can get property registration info from lawyers (most reliable) or friendly realtors. Realtors in Toronto at least have free access to a certain number of look-ups per year, I think it's 100. I think they both get their info from the same source but lawyers are responsible for giving you correct up-to-date info. There may be a route through ServiceOntario, but I don't know.
I suppose, now that I think about it more, it's liens on the house that should be of interest. That might show up in the credit report? Not sure of exact route for reliable info, but probably lawyer is best if you feel the need.
I expect everything is fine, but, as you know, I am nothing if not cautious! Perhaps others know more about what could have happened, technically.
Actually, everyone should keep up to date on their credit situation, regardless of whether they will ever borrow. If, for example, you should downsize and decide to rent because you no longer wants the responsibilities of ownership or want to free up capital, your credit score will be checked by landlords. I think it's wise to check every so often to make sure something has not been wrongly ascribed to you.
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