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Sorry to hear it. Fraud sucks. Hasn't happened to me yet but I am sure it will eventually. This is the world we live in now.
Luckily it's typically easily rectified with credit cards.
Sorry to hear it LINSUB, hope it didn't dampen your honeymoon! If it'll make you feel better, I had some fraudulent charges on a QS card as well and Cap One handled it very painlessly, didn't even have to submit any paperwork--I got a call from someone from their fraud dept. about a week after and that was the end of it. I even put a call like two days right after the fraudulent charges were charged to see if I could get them to credit the charged amounts right back and they credited the account immediately (I mean, they would've done it eventually on their own, I just wondered if I could get it done quickly).
How horrible! I have yet to have this happen and hope it never does! I sometimes wish they would email/text me anytime something is charged but then again that might get a little annoying....either way hope it all works out for you!
I had two different Cap1 cards get charged within two weeks of each other. I caught one (4 consecutive Sam's Club purchases) and they caught the other before I saw it. I will say, they were really nice about it, charges reversed, new account numbers assigned before I even hung up the phone and the cards arrived in a couple of days. I was totally impressed with how they handled it.
@kdm31091 wrote:Sorry to hear it. Fraud sucks. Hasn't happened to me yet but I am sure it will eventually. This is the world we live in now.
Luckily it's typically easily rectified with credit cards.
Ain't that the truth! Be glad it's just your CC and not debit card!
Hope you get it resolved quickly OP.
@Anonymous wrote:I had two different Cap1 cards get charged within two weeks of each other. I caught one (4 consecutive Sam's Club purchases) and they caught the other before I saw it. I will say, they were really nice about it, charges reversed, new account numbers assigned before I even hung up the phone and the cards arrived in a couple of days. I was totally impressed with how they handled it.
Now this surprises me. At Sam's Club you have to use a membership card to make purchases, so unless the membership card was stolen too, then why would a crook use a stolen CC there? If the card wasn't stolen, it would link the card used to the credit card used.
To the OP, sorry to hear about this and am glad CapOne was on the ball about blocking the card. Just a side note, even though you were overseas, you might have AUs still in the US. I recently had my PayPal card stolen, for the second time. It was mostly only used at restaurants. (Probably skimmed.) The crook used it at a gas station in TX, then my sister used it at Walgreens in FL, then there was an attempt in TX at Walgreens too, this is when it got flagged. The odds of that are rather high. Walgreens in one state and then shortly later, Walgreens in another state. I am so happy for chip cards.
I have had a few incidents of this occurring with Chase and other card issuers, but I must say Chase has handled it the best out of anyone in my opinion. Generally they have caught it first, didn't allow the charges to even go through, and then sent me a text saying to call when I had a chance. It could be because I call the JPM Executive line every time I call them, no matter the card, but each time it is about a 5 minute phone call and they next day air the replacement card to me without me even asking.
@TiggerDat wrote:
@Anonymous wrote:I had two different Cap1 cards get charged within two weeks of each other. I caught one (4 consecutive Sam's Club purchases) and they caught the other before I saw it. I will say, they were really nice about it, charges reversed, new account numbers assigned before I even hung up the phone and the cards arrived in a couple of days. I was totally impressed with how they handled it.
Now this surprises me. At Sam's Club you have to use a membership card to make purchases, so unless the membership card was stolen too, then why would a crook use a stolen CC there? If the card wasn't stolen, it would link the card used to the credit card used.
To the OP, sorry to hear about this and am glad CapOne was on the ball about blocking the card. Just a side note, even though you were overseas, you might have AUs still in the US. I recently had my PayPal card stolen, for the second time. It was mostly only used at restaurants. (Probably skimmed.) The crook used it at a gas station in TX, then my sister used it at Walgreens in FL, then there was an attempt in TX at Walgreens too, this is when it got flagged. The odds of that are rather high. Walgreens in one state and then shortly later, Walgreens in another state. I am so happy for chip cards.
Yep, two of the purchases were for $105 and change, the exact amount of those visa or Amex gift cards and the other two were just over $20. When talking with the CSR at Cap1 he said that they tried more puchases but the card declined because my cc limit had been reached. I called Sam's Club and emailed them telling them that I could provide them with the approx time of purchase, store number and cc used to see if it matched up with the 'member' making the purchases but they were not interested, told me to file a police report or talk to my cc company. Well, I'm not going through the hassle of a police report, if they don't care about fraud, then neither do I. Cap1 reversed the charges, so in the end, Sam's is out the money and don't even care. I know it's still a drop in the bucket to them, but they don't have any desire to stop the fraud.
Good for me I don't even have a Sam's memebership and never will after this. I did find out from the CSR at Cap1 that the card was swiped, so it was most likely skimmed. Skimming is a big problem here, so I really need to be diligent, especially at the gas stations.
Sorry, OP it's not fun at all!