Cap 1 caught fraud fast!

[longtimelurker]

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@Anonymous wrote:

I'm glad they caught it, but Cap One's fraud department is making me crazy. I've never had a single fraud alert on my QS1, but I get them with each and every single charge on my QS. One of them was myFICO!

It has got to the point that I can only make one charge on that card per day if I'm out and about.

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Right, the downside of sensitive fraud detection is too many false positives.  Cap One has denied some of my charges and it's a pain to call in and get them OKd (and then having to repeat the transaction)

[longtimelurker]

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@NichelleN wrote:

I agree with turning on the purchase alert feature. I have it turned on for any card that has the feature, including capital one.

Actually, it's how I realized that I'd accidentally dropped/lost a card. A few minutes later it was being used at a gas station. Within a few seconds of the alert, I was on the phone with Capital One and the card was cancelled. When they tried to use it a few minutes later it had been flagged.

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That's one approach, but I don't want to get so many alerts.   I just check the online account once a week or so, and if there is fraud, not my problem!

[negg]

I just used mine to make a purchase on eBay for $100. The seller was located in Serbia. The payment was processed by PayPal. But I got an email, a text and a phone call all within 2 mins of me hitting the finish button.  Crazy good service. 

[Anonymous]

I also enjoy capital ones fraud alert system. They caught a $1 charge that I did not make a few months ago; I called in and told the customer service rep I had not clue what the buisness was; then he informed me it was some food place, I tried arguing with him that it was 2am and I did not order the food; but he was like its a delivery place( I didnt care if it was a horse shack I did not make the purchase) The place was not even anywhere near me; I still have no clue how they got my information........ Finally he agreed it was fraud and sent me a new card; It is awesome you are getting your card fedexd it took mine 10 days to get here..... This is why I only carry my credit cards and leave my debits at home in RFID protectors.

[longtimelurker]

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@Anonymous wrote:

 This is why I only carry my credit cards and leave my debits at home in RFID protectors.

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Your debit cards are contactless?

[SOGGIE]

You were fortunate. I'm glad the matter was resolved promptly. I've never experienced this and I hope never to. People are such creeps. We need stiffer penalties for these types of crimes.

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

 This is why I only carry my credit cards and leave my debits at home in RFID protectors.

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Your debit cards are contactless?

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I honestly do not know and do not want to take the chance; I think my capital one debit is, I am not totaly sure