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The video below is talking about how consumers whether it be online or in person are accountable for the use of their own credit cards. If a fraudulent transaction has been made but, you don't meet the requirements that the bank has in place you could be the one responsible for the transaction even if you didn't make the purchase.
Another, main point of the video was that if you report the fraudulent transactions within a certain time period you shouldn't be held accountable for the transactions but, many companies want these people to pay up. The women in the video her  husband lost his wallet and the couple reported the credit cards missing within a few hours but, they had the "tap" feature enabled on their cards and whoever stole it had racked up a huge bill by tapping their cards at multiple stores in which the bill was $2200. The bank wanted the couple to pay the bills in full because they thought the couple made the purchases but, upon further investigation they realized the couple was not responsible. The overall process took a couple of months to go through.

The reason as to why I choose to use this video is because they gave a few real life examples of consumers being responsible for the fraudulent transactions on there account because they didn't follow instructions along with them being careless with their credit cards although after a long process they got there money back but, not without a hassle. This video stood out to me because I also, have the "tap" feature enabled on my credit cards and learning about these peoples situation it's making me second guess my decision on having that feature on my own cards.

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How to protect yourself from credit card fraud

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Website #1 | Government of Canada explaining Credit Card Fraud 

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Website #1 | Government of Canada explaining Credit Card Fraud 

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This website goes over a lot of different things when it comes to credit card fraud.  They go over a lot about how and where it happens in which some people couldn’t even think about where it could happen. They give you examples about different places of business, transactions online or by telephone as well as automated teller machines. The website also provided a detailed list of how to prevent credit card fraud along with numerous amounts of tips that the average consumer wouldn’t know. The list includes anywhere from chip cards to keeping your pin a secret then they give you tips on how to protect yourself whether you’re at home, online, over the telephone and in the General public as well.

The reason as to why I choose to use this website  for this section of the assignment is because, this website does such a great job at making sure you’re on the right track in order to protect yourself and even if you haven’t been able to, they give you a breakdown of what you can do and what you should do if you ever ran into this problem yourself. Also, this website stood out over the other ones that I saw besides the other three I used is that since the information is coming from a legit government made website you know the information you’re reading is accurate and correct.

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Recognizing, preventing and reporting credit card fraud.

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Website #2 | Toronto Police Gives an Explanation for Luxury Spending  

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Website #2 | Toronto Police Gives an Explanation for Luxury Spending  

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The main point of this website was that it was answering the questions that a lot of people had which was: how are these people spending so much money in such a little amount of time? How is it that they could spend over $30,000 within half an hour? The Toronto police gave a few examples of this throughout the website in order for the reader to have a better understanding of what was going on. Two examples that were given was that a 57 year old man had his wallet stolen from a restaurant downtown. He said that they spent over $40,000 in only a few hours. From Scarborough to Brampton to Mississauga, charges at high retail stores such as; Apple and  Microsoft along with cash advances and separate transactions at gas stations as well. The Toronto police also interviewed another victim whose name is Russ Lewis, he had gotten pick pocketed on his way to lunch and got $19,000 stolen from him within 27 minutes. The Toronto police have realized that the thefts are part of an organized crime ring as soon as they have the cards in hand they head to places and don’t stop until the cards stop. These people are smart because they spend money at stores that will not raise suspicion from the employees.

The reason as to why I chose this website it’s because I really questioned that myself. I always wondered how they were able to spend so much money in such a short amount of time. I personally had this happen to me and I was quite confused on how they were able to spend so much money when I had locked my cards after a few minutes. They have such a simple plan but it apparently works tremendously well. Also, A lot of people feel like this cannot happen to them because you’re so careful or what not but in reality the two seconds that you get distracted for is more than enough time for them to steal everything you have. It’s actually quite scary but it’s important for us to be informed on the dangers that arise from not being aware.

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Police have revealed how thieves are spending thousands of dollars from stolen credit cards within hours after another victim came forward claiming he was targeted while enjoying lunch with friends.

Mississauga resident Domenic Sicilia said he was at JOEY at Sherway Gardens on Sept. 3 when his wallet was snatched from his bag that was hanging on the back of his chair.

"I went inside, sat at a table and my buddies were facing me. We order food and talk and then I notice my bag is missing," Sicilia told CTV News Toronto on Friday.

"We called the manager over and he checked the cameras and when he came back he told me my bag was stolen."

"I look at the video and this couple walks in, comes and stands directly behind me by the bar. You can see the guy looking at the back of my chair, then slowly comes closer."

An image of a credit card is seen above. (File image)

"I lean over, cut my chicken, and then the man steps in, grabs the bag and leaves. Within an hour, things are getting hit everywhere."

The 57-year-old said $40,000 was spent from "Scarborough to Brampton to Mississauga" in only a few hours. Among the charges was $7,000 at Apple, $3,800 at Microsoft, $980 cash advances on at least five credit cards and thousands in separate transactions at gas stations.

Sicilia said while the bank has refunded almost all the money, he's now worried about identity theft.

"It's terrible, it's a massive inconvenience," he said. "They have my address they know where I live."

Earlier this week, a Toronto man said he lost $30,000 in 30 minutes after his wallet was stolen and taken on a spending spree at Yorkdale Shopping Centre.

A businessman working in Toronto's financial district said he was scammed $19,000 in 27 minutes after his was pickpocketed on the way to lunch.

Toronto police Insp. Peter Callaghan, with the financial crimes unit, told CTV News Toronto on Friday that these thefts are part of organized crime rings.

"Organizations that one time would be involved in other crimes like violent crime and robberies are doing this," Callaghan said.

"This is a better target because they get a quicker return on their work. As soon as they have the cards they head to places and go until the cards stops."

"It's organized crime. They are making a lot of money doing it and the disincentives are low."

"Once they guess your pin, they're in. And a lot of us have the same pin for everything."

Callaghan said the thieves spend money at stores that will not raise suspicion from employees.

"There is thought that goes into this," Callaghan said. "They're not stupid, they realize, for example, it's a good time to go to Apple."

Police said the thieves go to stores where they will not raise the suspicions. (File photo)

"It's not unusual for people to get a new iPhone. Even buying multiple phones wouldn't draw notice of the employees because lots of people are buying them."

"They come in and buy a computer in September, maybe saying a child is heading to university. Those things aren't going to necessarily attract attention of employees."

Callaghan said police haven't seen an uptick in these financial crimes but "unfortunately it happens frequently" and people need to take the proper precautions.

"We've all heard the crime prevention things to do and sometimes they're inconvenient but those inconveniences are there to protect us and we have to accept that."

"If you have multiple cards you should have multiple pin numbers."

"Most financial institutions and cellphones allow you to set up notifications on your phone so every time you make a transaction it comes up."

"At the very least people could see when the spending starts and shut down their cards."

"But it's a tough issue and we appreciate that."

Major credit card companies have zero-liability policies for customers. (File image)

In Canada, major credit card operators, like Mastercard and Visa, have zero-liability policies to protect customers from fraud.

"Banks in Canada take all types of frauds and scams very seriously and will usually make their customers whole if they are victims of debit or credit card fraud," Mathieu Labrèche, a spokesperson for the Canadian Bankers Association, told CTV News Toronto.

"Customers who think they have been a victim of credit and debit card fraud should contact their bank immediately, as well as their local police and law enforcement."

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Police reveal how thieves are quickly spending thousands off stolen credit cards

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Police have revealed how thieves are spending thousands of dollars from stolen credit cards within hours after another victim came forward claiming he was targeted while enjoying lunch with friends. Mississauga resident Domenic Sicilia said he was at JOEY at Sherway Gardens on Sept.

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Image #1 | Online Credit & Debit Card Thieves 

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Image #1 | Online Credit & Debit Card Thieves 

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This photo is showing that there are many people out there who can hack their way into using your credit cards online in which it's next to impossible to find out who they are. Consumers should be careful when shopping online and be aware of the type of websites they're putting their card information into. Moreover, these individuals are very clever in keeping themselves anonymous  thus, consumers should be taking safety measures in order for them to be safe.

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Video #2 | Bank of Canada teaching you about Credit Card Fraud 

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Video #2 | Bank of Canada teaching you about Credit Card Fraud 

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The main point of this video was that Canadians are among the highest users of debit cards in the world, in which we make over 4 billion Interact debit transactions per year. The person in the video went over that, although 99% of them are made without any issues we still need to protect ourselves considering the 1% that’s left. Debit card fraud affects us all in some way with inconveniences and increased crime among our communities. The video explains that it’s a threat that can hit anywhere, anyone and at any time as well. They also explained that these criminals don’t need your actual debit card in order to steal from you. They only need just enough information in which they could duplicate your card and start using it as their own.

The reason why I choose to use this video for this assignment is because it showed a visual demonstration of the photo that I posted in the images portion of the project. They gave you the way someone can use a device to skim your credit cards and the different strategies they have as well. The video shows you this by giving an example at a gas station where the clerk cashing out the customer paying by credit. The clerk first gets a hold of the card and swiftly swipes the card on a electronic card skimmer and then uses a camera hidden in the ceiling or a person standing behind you looking over your shoulder in order to find out your PIN number. Now that they have this data they are now able to encode a counterfeit card and begin using your PIN. This information is useful because there are many times where myself and consumers aren't aware that this could even happen in the first place.

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Video #3 | Credit Card Factory Shut Down In Calgary 

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Video #3 | Credit Card Factory Shut Down In Calgary 

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Showing you that they are real life examples of this happening every day. The other videos showed examples of it but some were scripted or they didn’t show the consequences of what could happen if you believe you could get away with it. The video goes over how the skimming operation worked and the different types of things they acquired by using credit card fraud. The police in Calgary had busted these two individuals who were trying to steal other people’s identities and making new credit cards under other consumers' names. On Friday, April 25th, 2014 the economic crimes unit executed a search warrant at a residence in the 400 Block of mahogany Terrace southeast in which they found a complete set of equipment in order to skim, duplicate, and make their own credit cards. The police also found gas pump overlays and hundreds of stolen goods.

The reason as to why I chose to use this video for this assignment is because it's showing people who are actually getting caught doing this crime. It's a smart decision to show the public this because there are many people out there who are believing that they can get away with stealing other people's credit cards and there to be no consequences. I found that the information that they were providing started to inform the reader about the consequences and that they can get caught for this even if they try to get away with it. These two individuals clearly didn't believe they could get caught because they had their stuff in a hidden room in the basement of their house.

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Website #3 | Criminal Law Team Giving you some important information 

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Website #3 | Criminal Law Team Giving you some important information 

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The main point of this website is that it’s giving you the main definition of what credit card fraud actually is along with the common types of debit and credit card fraud as well. Different consumers may be only aware of one or two but definitely aren’t aware of every single one of them. I know personally I was not aware of all of these before reading this. They also give you the breakdown for the penalties you’ll be facing for credit card fraud in Toronto if you decided to be the one committing this crime. They explained for a conviction of credit card fraud you could be looking at heavy fines and upwards of 10 years in prison. They also said that this would give you a criminal record, limiting your ability to travel, find gain full employment, your freedom, and cause damage to your personal and professional reputation. Lastly, they provide you with the criminal code section and the elements of the offence as well.

The reason why I chose this website to go alongside the other websites I chose for this assignment is because it gives a lot of legal information. In a sense where it’s providing you with government legislation along with terms and definitions from the criminal code as well. This provides the reader with an educated information system in order for them to understand the consequences of this crime. Considering that the average person does not know the definition of credit card fraud and with the consequences from the criminal code it creates a space where the reader walks away with a lot of useful information. One thing I found useful was that they provided you with the penalties for credit card fraud specifically in Toronto.

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Toronto Credit Card Fraud Criminal Defence Lawyer

Credit Card Fraud is the general term used to describe the usage of debit or credit cards to fraudulently acquire legal tender or goods. It is closely tied to identity theft, as the two often go hand-in-hand. Credit card fraud is a very serious crime as it is often associated with organized crime, and happens on such a wide-scale in Canada as to have an impact on the economy. Persons who commit these types of fraud may find themselves being investigated by federal authorities, the RCMP, or CSIS.
Common types of debit & credit card fraud:

Counterfeiting: the duplication of authentic credit cards for the purpose of fraud

Providing false information to obtain credit cards through the mail

Card Not Present: the unauthorized use of credit card information for fraud over the internet, phone or email

Lost/Stolen: the unauthorized use credit cards after being lost or stolen

The usage of equipment or software designed to steal credit card information, PIN#, etc.

Identity Theft: the obtaining of financial & personal information of another individual for assuming their identity for fraudulent purposes

Regardless of the level of involvement in this type of fraud, every individual facing these charges will need to be represented by a highly qualified criminal defence lawyer with extensive experience in dealing with these allegations and to offer support during the investigation.

Penalties for Credit Card Fraud in Toronto

For a conviction of Credit Card Fraud, you could be looking at heavy fines, and upwards of 10 years in prison. This will also gain you a criminal record, limiting your ability to travel, find gainful employment, your freedom, and cause damage to your professional reputation.

The Criminal Code of Canada States regarding Credit Card Fraud:

342(1) Theft, forgery, etc., of credit card
342(1) Every one who:
(a) steals a credit card,
(b) forges or falsifies a credit card,
(c) has in his possession, uses or deals in any other way with a credit card that he knows was obtained
(i) by the commission in Canada of an offence, or
(ii) by an act or omission anywhere that, if it had occurred in Canada, would have constituted an offence, or
(d) uses a credit card that he knows has been revoked or cancelled
is guilty of:
(e) an indictable offence and is liable to imprisonment for a term not exceeding ten years, or
(f) an offence punishable on summary conviction.

Have you been accused of or charged with Credit Card Fraud?

When Financial Institutions are Defrauded

When financial institutions have been defrauded, Federal agencies get involved. If you have been charged or are under investigation for credit card fraud, be aware that federal prosecutors will be unwilling to negotiate or compromise with you, as this type of fraud represents huge losses to banks, and the economy. Also credit fraud gets widespread media attention focused on exposing individuals involved in financial crimes.

If you have been charged with credit card fraud it is vital that you contact one of our criminal defence lawyers right away. Following your initial consultation, we will advise you on how best to move forward with your case, and inform you of what to say and not say to investigators. Our goal is to build an effective defense as well as carry our a plan to defend your rights and achieve a favourable outcome.

Our Toronto legal team of Bruce Karten & Stephen Hebscher offer 60+ years of extensive experience defending against fraud charges and will review the evidence surrounding your circumstances to determine how to best proceed with your case - seeking to have your credit card fraud charges dismissed, reduced, or withdrawn completely. See what our other clients are saying about us. We can help you too! Give us a call for your Free Consultation.

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Penalties For Credit Card Fraud " Criminal Law Canada

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Toronto Credit Card Fraud Criminal Defence Lawyer Credit Card Fraud is the general term used to describe the usage of debit or credit cards to fraudulently acquire legal tender or goods. It is closely tied to identity theft, as the two often go hand-in-hand.

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Hello Everyone! I'm Leshawn Dhanpaul and my project is about Credit and Debit Card fraud. You will learn all about a few different methods of Credit and Debit Card fraud, the consequences for being apart of this crime along with how you could defend yourself in certain situations in case you are a victim of credit and or debit card fraud because fraud could happen to anyone at any given time!

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The photo below shows a type of fraud scheme and it's called Skimming. It's when an unauthorized gadget, such as a false card slot, is placed at a card terminal, such as an ATM or a gas pump, it is considered a felony. When a customer inserts a debit or credit card into the unit, the unit reads the account information from the magnetic strip on the card in which they now have access to your bank information.

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Website #4 | How Debit Card Fraud Operates 

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Website #4 | How Debit Card Fraud Operates 

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The main point of this website was to give the reader the most common credit card fraud examples and it did just that but also provided more detailed descriptions for each one. The seven common credit card fraud examples included; a fake phone call, application fraud, CNP fraud, counterfeit card fraud, doctored card fraud, mail non-receipt card fraud, and account takeover as well. They also provided some tips in order for you to be safe with your cards depending on where you are. They provided you a 4 to 5 step process depending on if you're home, online or in store.

The reason why I chose this website to go along with the other three is because it outlined the key things that people would like to know when it comes to this topic. They didn’t add a lot of extra information that wasn’t necessary but added enough to the point where they left with more than enough information. They threw in details of different techniques and strategies that thieves use in order to take advantage of consumers. The ones listed were completely different then ones that I found in other websites which is a part of the reason why I chose this website. They did a great job of keeping it simple but useful.

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7 Credit Card Fraud Examples, DO's DON'Ts, Safety And Steps.

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Learn how to prevent credit card frauds from happening, 7 common credit card fraud examples, prevention tips online and what to do when your identity is stolen.

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Video #4 | Brampton couple charged in connection to CRA scam

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Video #4 | Brampton couple charged in connection to CRA scam

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The main point of this video is that a couple from Brampton is being charged with three different charges due to the fact that they were using the CRA scam as a way of making money. The RCMP officers found $22,000 worth of cash alongside a couple of packages, a money counter and, $100,000 worth of jewelry inside the couples home. The charges at the couple are being held accountable for: one count of fraud over $5,000, one count of laundering the proceeds of crime and, one count of property obtaining. The RCMP says that the couple could face up to 14 years in prison. The couple was said to be connected with an organization crime ring coming from call centres in India. These call centres affect Canadians everyday because they get calls from people claiming there workers for the CRA and that they owe the government a lot of money. This scheme has cost Canadians over $17,000,000 since 2014. It can be a call, email or text, caller or sender opposes as a CRA caller and demands money in a forceful manner.

The reason as to why I chose this video to go alongside the other videos that have been chosen is because I've personally been affected by the CRA telephone scam call multiple times throughout the years. These people do not care about the time they call nor do they care about how many times they call. It’s very sad to see because these people are taking advantage of the elder people who do not know better and taking a boatload of money from them. These people use a frightening approach to the situation when they threaten you over the phone in which you don’t know what could happen.

One thing that's most important to me was when I was able to connect with these people more in which it made me want to choose their video instead of anyone else’s. One thing I liked was that I was able to connect with these people and understand the feelings they were experiencing. This problem has affected me too because these scammers on the telephone have called me over and over, so I understand where they're coming from.

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Brampton couple charged in connection to alleged CRA scam