[natickdan]

The issue is not with Citizens First. Our son has both his undergrad and grad in computer science and works as a security analyst. He knows of sites, mainly in Europe, where you can buy blocks of valid credit card numbers with names and SSN's for a few hundred dollars. Counterfeit credit cards, identical to the real one, with actual magnetic strip and your name, are then made. This happened to me last year where someone in Detroit was using a counterfeit credit card with all of my information. The problem is actually bigger than most people are aware of, so monitoring your statements is very important.