topic Re: Fraud - CSP in Credit Cards

Fraud - CSP

Striker1 — Thu, 09 Jul 2015 00:14:20 GMT

Just got a text alert/email - $100.75 charge at a gas station not too far away from me, but far enough. I immediately logged into my account online and called Chase. There was already a fraudulent charge of $2k or so at a Home Depot near me that I disputed. No cards have been lost so not sure what happened..

New cards with new numbers being overnighted but should I worry about anything else? I'm not noticing any wierd activity with my bank accounts. I'm guessing my credit card info was skimmed somewhere and then used to purchase something at HD to be sold for cash later on or something to that effect.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 00:27:26 GMT

Sorry to hear about this. I've said this before, but it's just amazing to me how many people on here have fraudulent charges occur on their Chase cards. I know it can happen with any card, but why does this happen so frequently with Chase cards? Kind of scary! Do you use anything like Apple Pay?

Re: Fraud - CSP

Striker1 — Thu, 09 Jul 2015 00:34:08 GMT

No to using Apple Pay.. just used it at a restaurant last night. Hasn't been used at all today other than the fraudulent charges.

At least that number has been shut down and new cards are on the way and they said charges would go away within 72 hours (I hope).

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 00:39:24 GMT

That stinks! Makes you wonder how they got your card info and how were they able to use it at a gas station and another store without having the card present? Do you have an AU on it?

Re: Fraud - CSP

Striker1 — Thu, 09 Jul 2015 00:43:27 GMT

My guess is maybe at the restaurant from last night?

Wife is an AU and she is actually the one that saw the alert and immediately double checked to make sure we both had our cards in our wallets. At least CSR was super helpful/nice. Hopefully this will all blow over in the next couple of days, but I have read about these cards and fraud being a problem maybe more so than other cards..

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 00:50:26 GMT

It's possible it happened at the restaraunt last night, but to use it at a gas station and a brick and mortar store they'd have to have an actual card and not just the card numbers, etc. (as opposed to ordering something online). It's a possibility that your card was skimmed awhile back and they had a card made with your info. on it. It's hard to say, but I hope you get this cleared up. I've heard Chase is really good about stuff like this, so you should be fine. I'd just watch the rest of your accounts really close over the next few months.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 00:57:36 GMT

As others have said nothing really to worry about. Sadly tons of cards are used fraudulently everyday and it's impossible to know where the card info was copied. The cc companies don't even try to track it down as there isn't much they can do. New card will come and you'll be fine. Happened to me last month with my Ritz card.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 01:01:24 GMT

funny because i got a fraudelent charge just yesterday a week after getting my freedom. it was only for 46 bucks however it was labeled "thaiair web ticket". the scammer better tell me where to get tickets this cheap!

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 02:48:44 GMT

@Anonymous wrote:
Sorry to hear about this. I've said this before, but it's just amazing to me how many people on here have fraudulent charges occur on their Chase cards. I know it can happen with any card, but why does this happen so frequently with Chase cards? Kind of scary! Do you use anything like Apple Pay?

I wouldn't think Apple Pay would be causing it, unless I'm misunderstanding your question.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:06:25 GMT

@Anonymous wrote:
@Anonymous wrote:
Sorry to hear about this. I've said this before, but it's just amazing to me how many people on here have fraudulent charges occur on their Chase cards. I know it can happen with any card, but why does this happen so frequently with Chase cards? Kind of scary! Do you use anything like Apple Pay?
I wouldn't think Apple Pay would be causing it, unless I'm misunderstanding your question.

No, I was just curious if the OP stored his credit card info in anything like Apple Pay. There's just so many Chase customers who are being affected by fradulent charges recently - 3 on this thread alone within the past month. Just trying to see if there is a common link. As Irish stated, it's impossible to track down this kind of stuff, but I just can't help notice how prevalent it is with Chase's cards lately.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:12:24 GMT

It is just amazing the proportion of fraud posts that are Chase. There was a huge breach last year of like 50 or 100 million(dont remember exactly, but it was a LOT) customer accounts. Makes you wonder if it is related. I would be willing to bet that it is. Especially considering many of the posts are from people who say they have the card SD'd.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:18:36 GMT

@Anonymous wrote:
It is just amazing the proportion of fraud posts that are Chase. There was a huge breach last year of like 50 or 100 million(dont remember exactly, but it was a LOT) customer accounts. Makes you wonder if it is related. I would be willing to bet that it is. Especially considering many of the posts are from people who say they have the card SD'd.

That is exactly the link I was looking for, thank you! I think you might be onto something here. If it's not related to that breach, it has to be related to something similar because there is way too many lately. I'm glad I'm not the only one who noticed it (I was starting to think I was going crazy).

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:20:44 GMT

After getting my Chase card, I logged online to set up alerts. Next day my alert went off with a fraudulent purchase in Brazil. Hope it's wasn't my computer.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:24:12 GMT

@Anonymous wrote:
After getting my Chase card, I logged online to set up alerts. Next day my alert went off with a fraudulent purchase in Brazil. Hope it's wasn't my computer.

I don't think it's your computer, I think it's something related specifically to Chase -- just not sure what yet. I will definitely be keeping an eye on my Chase account for sure.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:25:24 GMT

Did they bother to send out replacement cards to everyone when the breach happened? If not, they may have just figured the potential fraud cost would be less than the cost of replacing millions of cards.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:28:46 GMT

@Anonymous wrote:
Did they bother to send out replacement cards to everyone when the breach happened? If not, they may have just figured the potential fraud cost would be less than the cost of replacing millions of cards.

I'm not sure, but perhaps that's why they're tightening their belt lately; all the fraudulent charges are starting to add up

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 03:51:34 GMT

I didn't have my card last year so my fraud wasn't related to that. Additionally I did use my card so I'm not sure if there is any correlation there either. Mine happened couple weeks after using it Vegas and day after using it online to buy AA gift cards. Who knows. Another person here had the exact same fraudulent charge with attempted charges on a Square Reader

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 04:02:38 GMT

@Anonymous wrote:
I didn't have my card last year so my fraud wasn't related to that. Additionally I did use my card so I'm not sure if there is any correlation there either. Mine happened couple weeks after using it Vegas and day after using it online to buy AA gift cards. Who knows. Another person here had the exact same fraudulent charge with attempted charges on a Square Reader

I think I read that too, and I know you don't need the card present to use it with a Square Reader. It just sucks for the people this happens to. I know here in my state there is always a news story about a skimmer being found at a gas station or on an ATM. Then there's reports of some type of device that can get you card info just by standing close to your wallet or purse. It's hard to say, but unless everyone is using their Chase cards much more than any other card, it still seems weird to me that this happens so often with Chase's cards. Maybe someone's skimming Chase's cards right after they're made and before they're shipped to us.

Re: Fraud - CSP

Anonymous — Thu, 09 Jul 2015 04:38:21 GMT

@Anonymous wrote:
@Anonymous wrote:
I didn't have my card last year so my fraud wasn't related to that. Additionally I did use my card so I'm not sure if there is any correlation there either. Mine happened couple weeks after using it Vegas and day after using it online to buy AA gift cards. Who knows. Another person here had the exact same fraudulent charge with attempted charges on a Square Reader
I think I read that too, and I know you don't need the card present to use it with a Square Reader. It just sucks for the people this happens to. I know here in my state there is always a news story about a skimmer being found at a gas station or on an ATM. Then there's reports of some type of device that can get you card info just by standing close to your wallet or purse. It's hard to say, but unless everyone is using their Chase cards much more than any other card, it still seems weird to me that this happens so often with Chase's cards. Maybe someone's skimming Chase's cards right after they're made and before they're shipped to us.

I agree. Does seem to happen to Chase more than other creditors. Wonder if there is any industry stats available that shows fraud percentages for all the banks.

Re: Fraud - CSP

wche — Thu, 09 Jul 2015 06:16:48 GMT

Out of all the cards from different lenders, my Chase cards have been the only ones affected by fraudulent activity in the last 3 years. It seems I get a fraud alert at least once a year on my Chase accounts. In one instance, both my Freedom and CSP were affected one week apart. Same observation for my Mom's Chase cards -- her sockdrawered card had a fraud alert earlier this year. What's up with Chase??