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Ok here's what happened:
I used Chase Pay at Walmart.com, 9/8 (I noticed that I didn't get a card used alert and then that there was no pending charge in my Chase account.)
I got an email from Walmart today, 9/9, that my card was declined. Walmart said it was on a "finance hold" with Chase.
I called Chase. First rep forwarded me to the "transactions dept". This rep wanted my full SSN (To which I asked if they had another method), my card number, expiration, and back 3. Then they wanted to verify my Chase debit card via an automated system or get SP identity questions. I said the former then hung up on the system because my spidey sense was tingling pretty good.
I called Chase again. This rep said the charge was labeled fraud and forwarded me to the security department. Rep #4 asked for my name, card expiration, mother's maiden name or Chase online password, and bank from which I pay my card. He told me that Chase Pay and Walmart.com are having issues in which everything was labeled fraud. He approved the transaction, but said it "might" need to be run again.
Has anybody else experienced any of this? I'm primarily concerned about the odd verification methods, especially from rep #2. Somebody please tell me I'm being paranoid!
I may be missing something, but these seem like standard verification questions to me. Especially when you are calling regarding declined cards/potential fraud/etc, they are going to be thorough with verifying your identity. SSN, full card number, expiration, security code...these are typical questions.
Sounds like standard procedure with Chase. I've called them at least a handful of times on various issues and had similar security questions. The automated system is what they commonly use. Not sure what you were expecting, they have to be very secure with this type of stuff.
Extremely paranoid.
The SP identity questions are to verify that your answers match the information you already gave them. You're not giving them new information. Remember, you called them, so they aren't trusting you, until you can prove you are who you claim to be.
In addition to what has already been said, given the Equifax data breach, we all should expect to be thoroughly vetted when calling one of our creditor's. It's for your protection as well as their's.
OP you're not being paranoid. They really are out to get you.
Walmart.com seems to be a mess in general.
I tried to take advantage of the recent Amex Offer, and my orders kept getting canceled. When I chatted with Wal-mart I was told my orders were flagged as fraud, and they supposedly cleared the flag but when I re-tried the same thing happened. The problem I was having was also well-documented on various sites.
Between the walmart.com issues using Amex and the problems now with ChasePay, it seems Amazon has nothing to worry about - they never have a problem taking my money.
@UncleB wrote:Walmart.com seems to be a mess in general.
I tried to take advantage of the recent Amex Offer, and my orders kept getting canceled. When I chatted with Wal-mart I was told my orders were flagged as fraud, and they supposedly cleared the flag but when I re-tried the same thing happened. The problem I was having was also well-documented on various sites.
Between the walmart.com issues using Amex and the problems now with ChasePay, it seems Amazon has nothing to worry about - they never have a problem taking my money.
that's because Wal-Mart secretly wants everyone to come in to the store to pose for their "People of Wal-Mart" photo.
They shouldn't be asking for your online password. If it isn't properly encrypted and reps are able to see it, there's a security problem at Chase.