Reply
Frequent Contributor
Mailak
Posts: 415
Registered: ‎04-26-2012

BCP card replacement - reason inccurately listed as stolen.

AMEX found two unauthorized charge attempts today and denied them (one was for over $1200!). They cancelled my card and are sending me a new one. On the card replacement status page, they list the reason as "My card was stolen." I never reported it stolen. I have my card. They said that it needs to be replaced because of the fraudlent charges. Does what they list the reason as matter in some way for which I might need to call and ask them to correct it?

 

I believe that doesn't make it onto a report so not sure if this is relevant but I asked them about new account, etc. and they said it would not change on my report (but it's a new card number). I'm just keeping my fingers crossed on that one. I will believe that when I see it.

PenFed Platinum Cash Rewards (19.5k), American Express Blue Cash Preferred (18k), Chase Sapphire Preferred (14k), Discover More (10k), Macy's (700).
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: BCP card replacement - reason inccurately listed as stolen.


Mailak wrote:

AMEX found two unauthorized charge attempts today and denied them (one was for over $1200!). They cancelled my card and are sending me a new one. On the card replacement status page, they list the reason as "My card was stolen." I never reported it stolen. I have my card. They said that it needs to be replaced because of the fraudlent charges. Does what they list the reason as matter in some way for which I might need to call and ask them to correct it?

 

I believe that doesn't make it onto a report so not sure if this is relevant but I asked them about new account, etc. and they said it would not change on my report (but it's a new card number). I'm just keeping my fingers crossed on that one. I will believe that when I see it.


That doesn't seem very relevant since the reason is not reported on the credit bureaus.

 

Also, you card number was used for fraudulent charges, so you could argue that the numbers were stolen. While not physically stolen, the card was compromised. 


In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Member
joe867
Posts: 31
Registered: ‎01-30-2013

Re: BCP card replacement - reason inccurately listed as stolen.

What SnackTrader said. Your card is as good as stolen.

EX 761 (5/14); EQ 784 (4/14); TU 778 (5/14)

NFCU cashRewards 23k | Marriott Premier MC 18k | US Bank Club Carlson 15k | Amex BCP 14.3k | Citi AA Exec 13k | Barclays US Airways 10k | PSECU 7.5k | Amex SPG 7k | Amex Old Blue Cash 5k | Chase Sapphire 5k | Ink Plus 5k | PenFed Platinum Rewards 5k | PenFed Defender 5k | PenFed LOC 5k | Gap 4300 | Amex SPG Biz | Amazon Chase 500 |

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+