topic Re: Bloomingdales Store Card Fraud!! in Credit Cards

Bloomingdales Store Card Fraud!!

Creditaddict — Thu, 29 Jun 2017 23:54:44 GMT

I received an email this morning as I'm sitting at my computer that I have a new bill from Bloomingdales in my bill pay and as I scroll expecting to see "ZERO BALANCE" instead I saw $11,622.41!

You can imagine my shock as I did not shop and I previously had no balance... I immediately called and someone in NYC bought a couple Chanel Handbags WITH my card in hand! (Seems they made a duplicate somehow as I have my card here in Los Angeles! and it through up zero flags in the system and was approved on the spot.

PREMIUM DESIGNER HBAGS2175.00

PREMIUM DESIGNER HBAGS8500.00

Sales Tax947.41

Receipt Total$11,622.41

They, of course, are crediting it back and sending a new card... I asked her if I could keep my new Elite Status and get the upgraded card

Re: Bloomingdales Store Card Fraud!!

Anonymous — Fri, 30 Jun 2017 01:23:17 GMT

Holy crap! That scammer went BIG!

Glad they are taking care of it for you so easy!

Re: Bloomingdales Store Card Fraud!!

Anonymous — Fri, 30 Jun 2017 02:26:57 GMT

**bleep**! 11k???

I would think they'd do the $947 in that was charged in sales tax but 11k wow can't believe they didn't ask for verification.

It's good you got it back though.

Re: Bloomingdales Store Card Fraud!!

UncleB — Fri, 30 Jun 2017 02:43:08 GMT

@Creditaddict wrote:
I received an email this morning as I'm sitting at my computer that I have a new bill from Bloomingdales in my bill pay and as I scroll expecting to see "ZERO BALANCE" instead I saw $11,622.41!

You can imagine my shock as I did not shop and I previously had no balance... I immediately called and someone in NYC bought a couple Chanel Handbags WITH my card in hand! (Seems they made a duplicate somehow as I have my card here in Los Angeles! and it through up zero flags in the system and was approved on the spot.

PREMIUM DESIGNER HBAGS2175.00

PREMIUM DESIGNER HBAGS8500.00

Sales Tax947.41

Receipt Total$11,622.41

They, of course, are crediting it back and sending a new card... I asked her if I could keep my new Elite Status and get the upgraded card

Holy smoke! Of course there are never flags when there should be.

I had a very out-of-pattern (legit) purchase with Capital One a few months back and I was prepared to give them a call, yet it wasn't necessary. I didn't know if I should be pleased that it was no-hassle, or concerned that it was... no hassle.

$12k on a couple of bags... yeah, that scammer definitely wasn't messing around.

I'm glad to hear they were able to get your account credited quickly. It will (almost) make the hassle worth it if you're able to keep Elite status!

Re: Bloomingdales Store Card Fraud!!

Anonymous — Fri, 30 Jun 2017 03:12:10 GMT

I purchased an LV bag in the spring and C1 was all like "what's going on????? Everything ok? Is that you? Normally you space them out a few months apart." Lol 😂

Re: Bloomingdales Store Card Fraud!!

Anonymous — Fri, 30 Jun 2017 04:15:35 GMT

Had to be the Russians. They have no shame.

Re: Bloomingdales Store Card Fraud!!

Anonymous — Fri, 30 Jun 2017 05:41:09 GMT

Wow I would have flipped out!! Thank goodness they made it right and then some!

Re: Bloomingdales Store Card Fraud!!

CreditInspired — Fri, 30 Jun 2017 08:48:06 GMT

So happy creditaddict that everything worked out so smoothly because this could have been a monstrous headache!!! And this is why I have alerts setup on all my cards and I'm obsessive about checking every one of my accts daily. Thank goodness I only have 8 😂

Re: Bloomingdales Store Card Fraud!!

pizza1 — Fri, 30 Jun 2017 12:20:31 GMT

omg, LOL...I would have flipped out, and then some. But then again, I have all my alerts set to $1.00 for all my cards, even store cards, that allow alerts.

Plus Im so OCD, I would have noticed that charge that day since I check all acts online daily, lol. Still though.....$11k, and no alert or a phone call to you for any type of security to make sure it was you??? Blooms deserves to eat that then!!

Re: Bloomingdales Store Card Fraud!!

Anonymous — Fri, 30 Jun 2017 15:09:04 GMT

@Anonymous wrote:
Had to be the Russians. They have no shame.

If you are a theif, this is what you do. In that context I don't see this as particularly shameful, ripping ofg a big store or a bank is, IMO, a lot less shameful than defrauding an old person of their life savings for example. Not that they might not do that too!

But it is interesting that the banks require almost no verification.

Re: Bloomingdales Store Card Fraud!!

Anonymous — Fri, 30 Jun 2017 21:21:33 GMT

@Anonymous wrote:
@Anonymous wrote:
Had to be the Russians. They have no shame.
If you are a theif, this is what you do. In that context I don't see this as particularly shameful, ripping ofg a big store or a bank is, IMO, a lot less shameful than defrauding an old person of their life savings for example. Not that they might not do that too!

But it is interesting that the banks require almost no verification.

yeah.. and by ripping off a big bank, the consequences "trickle down" to the employees and customers that will likely see an increase in fees. Stealing is stealing whether the entity being stolen from is sympathetic or not.

OP, did they tell you what handbags were purchased? I'm really curious what they thief wanted so badly.

Re: Bloomingdales Store Card Fraud!!

JR_TX — Fri, 30 Jun 2017 22:30:49 GMT

Holy Guacamole!!!

$11K just for 2 freakin handbags??!!! I would've passed out in front of the computer!!

@OP ; Did you have chip (emv) on your card? I read that banks are not liable to cover any fraudulent charges on cards with such chips and that merchants are. Banks cover losses for frauds on non-chip cards. You would think that merchants would ask for an ID with such a big purchase right? Well obviously they didn't!!
Makes my friggin blood boil knowing that someone got away with $11K worth of stolen merchandise!! And that my friend is one of the reasons why we all pay such a high APR on CCs!

Re: Bloomingdales Store Card Fraud!!

Creditaddict — Sat, 01 Jul 2017 01:35:36 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Had to be the Russians. They have no shame.
If you are a theif, this is what you do. In that context I don't see this as particularly shameful, ripping ofg a big store or a bank is, IMO, a lot less shameful than defrauding an old person of their life savings for example. Not that they might not do that too!

But it is interesting that the banks require almost no verification.

yeah.. and by ripping off a big bank, the consequences "trickle down" to the employees and customers that will likely see an increase in fees. Stealing is stealing whether the entity being stolen from is sympathetic or not.

OP, did they tell you what handbags were purchased? I'm really curious what they thief wanted so badly.

2 Chanel Bags

Re: Bloomingdales Store Card Fraud!!

700orbust — Sat, 01 Jul 2017 04:56:46 GMT

Merchants that use EMV are not liable for fraud. Its when they swipe an EMV card that they will be held liable.

Re: Bloomingdales Store Card Fraud!!

Anonymous — Sat, 01 Jul 2017 06:21:52 GMT

I can't believe they never asked for id. Thoses bags make LV look cheap. I hope they catch them and you can find out how they did it.

Re: Bloomingdales Store Card Fraud!!

CreditInspired — Sat, 01 Jul 2017 11:36:05 GMT

Since ID wasn't requested, I wonder if it was a duo team -- the thief and the sales person. Just a thought.

On another note: when I was traveling in AL (reside in Va) and stopped to purchase gas, I received a text requesting verification of the gas purchase. "Press 1 for yes; 2 for no." If more banks took this simple precaution, I believe their losses would decline substantially!!

Re: Bloomingdales Store Card Fraud!!

Anonymous — Sat, 01 Jul 2017 19:41:09 GMT

@CreditInspired wrote:
Since ID wasn't requested, I wonder if it was a duo team -- the thief and the sales person. Just a thought.

On another note: when I was traveling in AL (reside in Va) and stopped to purchase gas, I received a text requesting verification of the gas purchase. "Press 1 for yes; 2 for no." If more banks took this simple precaution, I believe their losses would decline substantially!!

Some card companies simply won't allow sales over xx miles from home with the card unless you tell them upfront. It was great for fraud but caused delays when card declined and they had to call.

Re: Bloomingdales Store Card Fraud!!

Anonymous — Sun, 02 Jul 2017 03:25:02 GMT

Phew! Glad it worked out.

Im glad I have alerts set up!

Re: Bloomingdales Store Card Fraud!!

Anonymous — Sun, 02 Jul 2017 03:52:41 GMT

@Anonymous wrote:
@CreditInspired wrote:
Since ID wasn't requested, I wonder if it was a duo team -- the thief and the sales person. Just a thought.

On another note: when I was traveling in AL (reside in Va) and stopped to purchase gas, I received a text requesting verification of the gas purchase. "Press 1 for yes; 2 for no." If more banks took this simple precaution, I believe their losses would decline substantially!!
Some card companies simply won't allow sales over xx miles from home with the card unless you tell them upfront. It was great for fraud but caused delays when card declined and they had to call.

Right, and that causes consumers to adopt other cards or pay in other ways. Apart from the inconvenience, a lot of people would be put off by the actual or apparent decline ("something;s wrong with that man's card!") and if the verification happens after the purchase, someone has already lost the money anyway if it is fraud

Re: Bloomingdales Store Card Fraud!! UPDATE

Creditaddict — Wed, 09 Aug 2017 23:05:53 GMT

UPDATE:

Of course, the charges were immediately erased and no payment due and received a follow-up statement showing zero balance.

Fast forward to yesterday I received my new BLACK Bloomingdales Card in the mail to thank me for being a big spender with Bloomingdales

Now I earn major bonus points per dollar spent and get free shipping and free returns (2 day I believe) and some other perks!

hehe