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LOL, CHASE Freedom Declined!

Regular Contributor

Re: LOL, CHASE Freedom Declined!


red259 wrote:

DavidZeng wrote:

Gunnar419 wrote:

red259 wrote:

clocktick wrote:

Chase Freedom declined me at a gas station 45 minutes from my house.  I called them up and she said it's not the usual area I get gas.  I told her my usual area is near my house, of course, but there are going to be others outside my "normal" area.  45 minutes away?  C'mon!  They also gave no notice, e-mail, text, etc.

 

On the other hand, Chase CSP e-mailed and texted me suspected fraud a couple of weeks ago and they were right.  It was a $600 attempted purchase at a Footlocker in VA while i live in NY.  I was happy they notified me.

 

Not sure if it's  distance thing or an amount thing or...?


If I am leaving the area (like going further than one state away) I call up chase and put a travel alert on my account, so that they know charges coming from a certain state will be mine. The footlocker purchase was probably supicious for both location and amount. My girlfriend who lives in NY bought a tv at walmart with her amex in NJ and amex refused the charge due to fraud alert. She was displeased to say the least and almost cancelled the amex as a result. 


+1 to this. It's a little bit of a nuisance, but with most cc's you can post a travel alert right online. They even have a special menu item for it. Only takes a minute.

 

I guess most people think that's only for when they're flying to Venezuela or Tibet or someplace, but it's helpful even for a domestic road trip.

 


Acutally I also used my SPG card for a new set of tires and spent couple of nights at a Starwood property at NYC, the AMEX never  rasied a fraud alert. I also used BCP to shop at a japanese supermarket for about 120 dollars. Wow, Chase....no word.


Staying at an SPG property with the SPG card would be an odd thing to set off a fraud alert. The whole point of the card is travel and stayting at hotels. If people have a history of travelling to certain parts of the world etc, then their profile will reflect this and a fraud alert is much less likely. That could explain the Japanese supermarket depending on your travel history. I hope to visit japan next fall. Or did you mean a Japanese store in the US?


I travel to Japan twice every year, I really dig the JP food, Since upstate NY does not have great JP market, so I have to find some nice ones in the NYC.Smiley Embarassed

Established Contributor

Re: LOL, CHASE Freedom Declined!

red259, yes, there is an android app.

 

OP, I would much pefer the inconvenience of the decline to that of fraud and i.d. theft.  I've had AmEx text me about fraudulant charges. They weren't my charges so I called the nmber on the card, they closed it and overnighted a new one. No probs, no issues, and the whole process culdn't have taken more than 5-6 minutes. 

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Established Contributor

Re: LOL, CHASE Freedom Declined!


adavis425 wrote:

red259, yes, there is an android app.

 

OP, I would much pefer the inconvenience of the decline to that of fraud and i.d. theft.  I've had AmEx text me about fraudulant charges. They weren't my charges so I called the nmber on the card, they closed it and overnighted a new one. No probs, no issues, and the whole process culdn't have taken more than 5-6 minutes. 


Not sure how we go from fraudulent transaction to ID theft, but... The problem is that Chase is inconsistent about alerting and communicating with you.

 

I'm not sure if the Android app pushes fraud alerts. I don't use it. Smiley Happy

 

Declined legitimate purchases are not okay. They're a failure of the fraud prevention system.

Super Contributor

Re: LOL, CHASE Freedom Declined!


rlx01 wrote:

Not sure how we go from fraudulent transaction to ID theft, but... The problem is that Chase is inconsistent about alerting and communicating with you.


+1 

 

Completely different.  

 

Someone opening up a bank account or credit card account claiming to be me, I have no qualms with Federal laws requiring a photo ID, social security card, secondary utility bill, and even an affidavit from a personal witness.

 

Fraud alert declines serves only to protect the issuer, not me.  It only serves to inconvenience me and drive up my text per charge costs.

 

*Edited* PS - Surely, no one buys the *crap* line these fraud declines and check ID rubbish is to protect us, right?  

Super Contributor

Re: LOL, CHASE Freedom Declined!


Open123 wrote:

rlx01 wrote:

Not sure how we go from fraudulent transaction to ID theft, but... The problem is that Chase is inconsistent about alerting and communicating with you.


+1 

 

Completely different.  

 

Someone opening up a bank account or credit card account claiming to be me, I have no qualms with Federal laws requiring a photo ID, social security card, secondary utility bill, and even an affidavit from a personal witness.

 

Fraud alert declines serves only to protect the issuer, not me.  It only serves to inconvenience me and drive up my text per charge costs.

 

*Edited* PS - Surely, no one buys the *crap* line these fraud declines and check ID rubbish is to protect us, right?  


Agree it is just for their benefit.  

But working for a telecommunications giant, I think the texts are great.   In fact, we need many more to help people feel safe from identity theft.  For example, first one that says  "considering approving your charge", another "approving your charge", "your charge has been approved", "thank you for using [credit card]" and charge 20c each, even if the cost to us is approx 0.

Valued Contributor

Re: LOL, CHASE Freedom Declined!


red259 wrote:

DavidZeng wrote:

Gunnar419 wrote:

red259 wrote:

clocktick wrote:

Chase Freedom declined me at a gas station 45 minutes from my house.  I called them up and she said it's not the usual area I get gas.  I told her my usual area is near my house, of course, but there are going to be others outside my "normal" area.  45 minutes away?  C'mon!  They also gave no notice, e-mail, text, etc.

 

On the other hand, Chase CSP e-mailed and texted me suspected fraud a couple of weeks ago and they were right.  It was a $600 attempted purchase at a Footlocker in VA while i live in NY.  I was happy they notified me.

 

Not sure if it's  distance thing or an amount thing or...?


If I am leaving the area (like going further than one state away) I call up chase and put a travel alert on my account, so that they know charges coming from a certain state will be mine. The footlocker purchase was probably supicious for both location and amount. My girlfriend who lives in NY bought a tv at walmart with her amex in NJ and amex refused the charge due to fraud alert. She was displeased to say the least and almost cancelled the amex as a result. 


+1 to this. It's a little bit of a nuisance, but with most cc's you can post a travel alert right online. They even have a special menu item for it. Only takes a minute.

 

I guess most people think that's only for when they're flying to Venezuela or Tibet or someplace, but it's helpful even for a domestic road trip.

 


Acutally I also used my SPG card for a new set of tires and spent couple of nights at a Starwood property at NYC, the AMEX never  rasied a fraud alert. I also used BCP to shop at a japanese supermarket for about 120 dollars. Wow, Chase....no word.


Staying at an SPG property with the SPG card would be an odd thing to set off a fraud alert. The whole point of the card is travel and stayting at hotels. If people have a history of travelling to certain parts of the world etc, then their profile will reflect this and a fraud alert is much less likely. That could explain the Japanese supermarket depending on your travel history. I hope to visit japan next fall. Or did you mean a Japanese store in the US?


Some types of establishments (and even certain areas) are considered higher risk than others. Using a card at these kinds of places are more likely to trigger a fraud alert.

 

When you check into hotels, they will ask you for ID in the form of a passport (international) or driver's license (domestic). CC companies know that this practice makes such transactions lower risk, due to this "built-in" check. Also people doing the wrong thing usually want to make their purchases and leave ASAP. It's quite foolish of them to check into a hotel and stay therefor several days using a stolen card.

 

Chase has been very good about notifying me of fradualent purchases, usually within about 15-30 minutes of detection. They seem to have a very good idea of my purchasing habits, so when something seems quite abnormal they pick up on it quite quickly. It might be different for others, but that's been my experiences so far.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
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Valued Contributor

Re: LOL, CHASE Freedom Declined!


Open123 wrote:

rlx01 wrote:

Not sure how we go from fraudulent transaction to ID theft, but... The problem is that Chase is inconsistent about alerting and communicating with you.


+1 

 

Completely different.  

 

Someone opening up a bank account or credit card account claiming to be me, I have no qualms with Federal laws requiring a photo ID, social security card, secondary utility bill, and even an affidavit from a personal witness.

 

Fraud alert declines serves only to protect the issuer, not me.  It only serves to inconvenience me and drive up my text per charge costs.

 

*Edited* PS - Surely, no one buys the *crap* line these fraud declines and check ID rubbish is to protect us, right?  


+2

 

They definitely are for the issuer, since that's currently where the liability resides. It would be interesting to see how many of these fraud alerts we'd see if the liability shifted to the consumer via Chip & PIN. I suspect that issuers woudn't invest as much into their fraud detection and notification systems if the penalties are paid for by someone else.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Valued Contributor

Re: LOL, CHASE Freedom Declined!

Fraud would be uncommon with chip + PIN. Unless a person had their pin written on the card, but then they are obviously liable.
EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Established Contributor

Re: LOL, CHASE Freedom Declined!

To help my friend meet 3K CSP spending requirement, I bought 3 TV from walmart.com for 1300, a security camera system from costco for 1700,

 

ship to an address 2000 mile from her billing address without notify Chase, 

 

being a week old new account and fairly large amount purchase, I fully expect Chase to call her or declined the charge

 

went through without a beep.

 

I think CSP being a travel card might have different security setting than freedom 

EX850:2[21;14] TU850:0 EQ(Fico8BC)885:0
Valued Contributor

Re: LOL, CHASE Freedom Declined!


DavidZeng wrote:

Just called them, fraud alert removed, why they never called last night, ehh.Smiley SadBeacuse I am not important to them??


I attempted to use a new Chase Amazon Visa at a casino in Las Vegas, it was around 9:00pm and the transaction was declined.  They called me at 8:02 the next morning to check on the activity.

 

Maybe it was too late in the evening or you were in the "queue" to be notified of the activity.

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