topic Re: Another one of my chase card numbers was stolen again in Credit Cards

Another one of my chase card numbers was stolen again

red259 — Sun, 17 May 2015 01:45:59 GMT

About two months ago someone in California tried to use my hyatt chase card number (it was only two months old) and it got picked up by the fraud department and I had to call in and get a replacement card. Now tonight someone in Brazil attempted to use my chase sapphire credit card number on a frauidulent credit card and again i had to call in and get the card cancelled and will now have to wait for a replacement to be shipped. Neither of these cards see much use if any at all. I do not have an issue with any other lenders and my account numbers being stolen. Only with Chase so far. Given the hassle of having to replace cards like this multiple times should I ask for some sort of compensation from Chase? I'm not trying to be unreasonable, but it is a real hassle to call in and have to wait on hold and then have to wait for the new card to arrive and in some cases change over auto-billing accounts. Once I can tolerate but now it has been twice within a 2-3 month period.

Re: Another one of my chase card numbers was stolen again

Skye12329 — Sun, 17 May 2015 01:48:05 GMT

I'm not sure what kind of compensation they could or would offer. You could always ask for overnight delivery of your card if waiting is an issue. However with technology nowadays any lender is at risk which is why we have $0 fraud liability. I guess IMO that would be the compensation is not being liable.

Re: Another one of my chase card numbers was stolen again

Anonymous — Sun, 17 May 2015 02:41:50 GMT

would 60,000 UR's work? All you have to do is ask.

Re: Another one of my chase card numbers was stolen again

rlx01 — Sun, 17 May 2015 03:03:30 GMT

This happens millions of times a day. Cost of fraud < cost of implementing systems to fix it, so banks don't care.

Not sure what compensation you feel entitled to... What did Chase do exactly?

Re: Another one of my chase card numbers was stolen again

Anonymous — Sun, 17 May 2015 03:36:08 GMT

Interesting coincidence, DW got a fraud alert on her CSP card yesterday as well. Someone tried to charge $81.29 at puma.com.

But, sorry, dude, I think you're making a lot out of nothing here. And this isn't Chase's fault in particular. The entire U.S. card-processing industry is very insecure. Things should get better when chip technology takes over. But in the meantime, cards from all issuers are vulnerable, not just Chase.

And really, how big of a hassle is it really? Chase sent me an email that asked me if I recognized the transaction and I had to press a big Yes or No button. That was it. Even if you didn't have that option, if the time on hold was too onerous, you could have just logged on and sent a secure message to Chase to say that the transaction was fraudulent. That would have taken, what, 30 seconds? And then in a week or so you get new cards and another 15 seconds to activate them.

You yourself said these cards didn't get much use. If so, then what's the big deal?

Chris.

Re: Another one of my chase card numbers was stolen again

red259 — Sun, 17 May 2015 03:38:46 GMT

@rlx01 wrote:
This happens millions of times a day. Cost of fraud < cost of implementing systems to fix it, so banks don't care.

Not sure what compensation you feel entitled to... What did Chase do exactly?

Who said I feel entitled?

Re: Another one of my chase card numbers was stolen again

someone379 — Sun, 17 May 2015 03:42:05 GMT

I don't think your going to get anything, and honestly I would just be thrilled that they are handling it and getting you a new card. This is one reason I have multiple cards, if one of them is out of commission for a period of time no big deal. I love the security provided by the fact that I'm not responsible for fraud and don't think I would dream of asking for compensation over something like this... But that's just my opinion.

Re: Another one of my chase card numbers was stolen again

red259 — Sun, 17 May 2015 03:43:33 GMT

@Anonymous wrote:
Interesting coincidence, DW got a fraud alert on her CSP card yesterday as well. Someone tried to charge $81.29 at puma.com.

But, sorry, dude, I think you're making a lot out of nothing here. And this isn't Chase's fault in particular. The entire U.S. card-processing industry is very insecure. Things should get better when chip technology takes over. But in the meantime, cards from all issuers are vulnerable, not just Chase.

And really, how big of a hassle is it really? Chase sent me an email that asked me if I recognized the transaction and I had to press a big Yes or No button. That was it. Even if you didn't have that option, if the time on hold was too onerous, you could have just logged on and sent a secure message to Chase to say that the transaction was fraudulent. That would have taken, what, 30 seconds? And then in a week or so you get new cards and another 15 seconds to activate them.

You yourself said these cards didn't get much use. If so, then what's the big deal?

Chris.

30 seconds? It took me half a hour of a sat night to deal with. I sent the text back and was told via text I had to call in. Then I was put on hold and then transferred around and I can't use the card until the replacement arrives. When it happened once I was like no problem. Now it has happened a second time within a short period of time I am a bit more put out about the whole thing.

Re: Another one of my chase card numbers was stolen again

TruBlu — Sun, 17 May 2015 03:44:35 GMT

Idk. I'd personally be happy I don't have to pay a dime. Sure it's a hassle (I've had to do it) but CCC nowadays are really looking out for fraud and have streamlined their processes - thanks to the negative PR endured by a big red retailer. It's like they had a target on their back
Guess nothing wrong in asking for compensation, if you think you deserve it..

Re: Another one of my chase card numbers was stolen again

rlx01 — Sun, 17 May 2015 03:47:51 GMT

Since you're being told where these transactions are happening, I presume these are all card present fraud instances.

If the U.S. banking industry moved to chip and PIN instead of the pointless chip and signature, this stuff would disappear overnight.

Re: Another one of my chase card numbers was stolen again

red259 — Sun, 17 May 2015 03:50:37 GMT

@rlx01 wrote:
Since you're being told where these transactions are happening, I presume these are all card present fraud instances.

If the U.S. banking industry moved to chip and PIN instead of the pointless chip and signature, this stuff would disappear overnight.

Do you mean like I have the card present with me? If so, yea they don't have the physical card I do. The CSR says people are making fake credit cards and linking to my account number but they have the wrong expiration date.

Re: Another one of my chase card numbers was stolen again

TruBlu — Sun, 17 May 2015 03:50:29 GMT

The way Chase is nowadays, they might just turn the tables around and deem 2 cards compromised in a short span as "too much of a risk". Next thing you know, all accounts closed with no notice. Unlikely, sure; but totally plausible. Chase kinda matches at it's own drum beat.

Re: Another one of my chase card numbers was stolen again

red259 — Sun, 17 May 2015 03:52:00 GMT

@TruBlu wrote:
The way Chase is nowadays, they might just turn the tables around and deem 2 cards compromised in a short span as "too much of a risk". Next thing you know, all accounts closed with no notice. Unlikely, sure; but totally plausible. Chase kinda matches at it's own drum beat.

Guess its possible but they haven't lost a dime from the charges. The charges were both for like a dollar something and they didn't even approve the charge to begin with.

Re: Another one of my chase card numbers was stolen again

jsucool76 — Sun, 17 May 2015 12:18:52 GMT

chase fraud alerts are nothing. they're friendly and helpful when I call up to sort them out.

capital one made me drive to a branch (any banks branch) so I went to a wells Fargo branch, and had to sit down with a Banker while he called capital one to verify my identity. at the time, I had no WF banking relationship, but I felt bad because this Banker had to sit with me for a bit over an hour while on the phone with capital one, so I opened a checking, savings, and a credit card. lol.

Re: Another one of my chase card numbers was stolen again

victor7 — Mon, 18 May 2015 01:43:10 GMT

@red259 wrote:
About two months ago someone in California tried to use my hyatt chase card number (it was only two months old) and it got picked up by the fraud department and I had to call in and get a replacement card. Now tonight someone in Brazil attempted to use my chase sapphire credit card number on a frauidulent credit card and again i had to call in and get the card cancelled and will now have to wait for a replacement to be shipped. Neither of these cards see much use if any at all. I do not have an issue with any other lenders and my account numbers being stolen. Only with Chase so far. Given the hassle of having to replace cards like this multiple times should I ask for some sort of compensation from Chase? I'm not trying to be unreasonable, but it is a real hassle to call in and have to wait on hold and then have to wait for the new card to arrive and in some cases change over auto-billing accounts. Once I can tolerate but now it has been twice within a 2-3 month period.

Sad to say, but I've had a similar experience.

I run a business, and have both Ink Plus and Ink Bold cards (as well as Amex) for about a dozen people. I've had all of the Ink Plus and all of the Ink Bold cards replaced not once, but twice, in the past 6 months. (No problem with the Amex cards.)

Was it a hassle? Definitely! That's a lot of fraud alerts, a lot of calling in and waiting on hold, time spent with (albeit very friendly!) CSR's, a lot of double-checking with the employees to find out if they made certain purchases, and so forth. Total pain in the neck!

In several cases I had employees staying at hotels overseas using the card that was cancelled, which can be very awkward. Chase did a fine job of getting new cards to us quickly, even overseas. But when you travel as much as we do (often changing hotels daily), it can be difficult to ensure the cards catch up with the people. (This is why we have multiple business accounts open.)

Curiously, in a few cases, the fraud occured after I had received the card, but before I'd had a chance to distribute it to the employee. So the cards were literally still sitting in their original sealed envelopes on my desk.

All that said, I've never thought to ask Chase for compensation of any sort. Despite the hassle, I don't feel they owe me anything else. I realize it's a pain for them as well, and in some cases possibly a write-off. And frankly, they are such a pleasure to deal with, and so professional, that I'm just happy to have a good relationship with them.

I am hopeful that EMV will reduce this problem all around.

Re: Another one of my chase card numbers was stolen again

NRB525 — Mon, 18 May 2015 02:26:46 GMT

@red259 wrote:
About two months ago someone in California tried to use my hyatt chase card number (it was only two months old) and it got picked up by the fraud department and I had to call in and get a replacement card. Now tonight someone in Brazil attempted to use my chase sapphire credit card number on a frauidulent credit card and again i had to call in and get the card cancelled and will now have to wait for a replacement to be shipped. Neither of these cards see much use if any at all. I do not have an issue with any other lenders and my account numbers being stolen. Only with Chase so far. Given the hassle of having to replace cards like this multiple times should I ask for some sort of compensation from Chase? I'm not trying to be unreasonable, but it is a real hassle to call in and have to wait on hold and then have to wait for the new card to arrive and in some cases change over auto-billing accounts. Once I can tolerate but now it has been twice within a 2-3 month period.

Is there a merchant or on-line purchase site where both cards have been used? Was that site/merchant compromised?

It's been a long time since my one fraud issue appeared, it was actually a bank Chase later absorbed, Providian if I remember correctly. Not fun, and a waste of time to be sure.

Re: Another one of my chase card numbers was stolen again

red259 — Mon, 18 May 2015 02:30:20 GMT

Both cards were used on Seamless.com, but I have used other cards on that website in the past and never had a problem.

Re: Another one of my chase card numbers was stolen again

jsucool76 — Mon, 18 May 2015 10:15:20 GMT

I had my Marriott card number used before I ever received it. chase sent me a new one overnight, and the original card arrived like a month or so later. was weird.

Ritz card got used for 2 weird purchases.

Re: Another one of my chase card numbers was stolen again

coldnmn — Mon, 18 May 2015 11:20:16 GMT

@red259 wrote:
Both cards were used on Seamless.com, but I have used other cards on that website in the past and never had a problem.

Looks to me like you found the problem.

Re: Another one of my chase card numbers was stolen again

takeshi74 — Mon, 18 May 2015 13:19:43 GMT

@red259 wrote:
Given the hassle of having to replace cards like this multiple times should I ask for some sort of compensation from Chase? I'm not trying to be unreasonable, but it is a real hassle to call in and have to wait on hold and then have to wait for the new card to arrive and in some cases change over auto-billing accounts.

Are you willing to deal with the hassle of seeking compensation and taking the chance on getting nothing for your time?

It's annoying and I just went through the same thing myself with my newly issued Freedom. Literally just received it, had not used it once and there were already 2 attemtped fraudulent transactions. In my case it took no time or effort to call in and get a replacement overnighted.