topic Re: Cap One fraud (declined) in Credit Cards

Cap One fraud (declined)

Anonymous — Sun, 16 Oct 2022 16:35:53 GMT

A first for me, I got a text from Capital One saying a $350+ transaction on card ending XXXX had been declined at booking.com, due to a mismatch of data. Check expiration and security code and try again.

At first I thought it was phishing attempt of the type that I get regularly, as I didn't recognise the card number. Then I realized the message didn't have any links or number to call (so would be a very bad phishing scam ) And the card number was my (now) Cap One REI card.

Well, do I look like the sort of person who would use the REI card on a booking.com transaction????? 1x!!! Also, I don't recall setting up this kind of alert, maybe automatic.

Anyway, this type of failed fraud (rather than declined fraud) is a first for me. They had the number but not exp date or ccv? Or perhaps, less likely, mistyped their number and happened to do so in a way that matched a valid one, mine.

Re: Cap One fraud (declined)

Cowboys4Life — Sun, 16 Oct 2022 17:38:28 GMT

You need to call the Cap1 Fraud department IMMEDIATELY. The scammers who may have bought your card number don't know it is a store specific card. They only bought the card #. I had my Cap1 QS card hacked last weekend. I was traveling in LA and got an alert 3 Microsoft XBOX transactions were tried and declined. I don't even own an XBOX or any gaming system. We had to shut the card down and issue a new one. These scammers stop at nothing.

Re: Cap One fraud (declined)

PlaidRaptor — Sun, 16 Oct 2022 21:42:17 GMT

Definitely call them. Usually when an issuer detects fraud, they will lock the card and wait for the card holder to contact them.

Re: Cap One fraud (declined)

Anonymous — Sun, 16 Oct 2022 21:49:21 GMT

@Cowboys4Life wrote:
You need to call the Cap1 Fraud department IMMEDIATELY. The scammers who may have bought your card number don't know it is a store specific card. They only bought the card #. I had my Cap1 QS card hacked last weekend. I was traveling in LA and got an alert 3 Microsoft XBOX transactions were tried and declined. I don't even own an XBOX or any gaming system. We had to shut the card down and issue a new one. These scammers stop at nothing.

Oh, I did that straight away and they are sending a new card. Posting to Myfico happens after that sort of thing! REI card is a WEMC, not a store card, so it can be used. But is there really a market for credit card numbers without exp date and security codes? It seems that the attempts would be caught and shut down well before a successful combination was hit.

Re: Cap One fraud (declined)

Anonymous — Sun, 16 Oct 2022 21:50:32 GMT

@PlaidRaptor wrote:
Definitely call them. Usually when an issuer detects fraud, they will lock the card and wait for the card holder to contact them.

This didn't appear to them to be fraud, merely a mistyping of exp date or code. The text message didn't ask me to confirm it was me or otherwise, just told me to check the date/code and try again.

Re: Cap One fraud (declined)

FireMedic1 — Sun, 16 Oct 2022 23:12:53 GMT

Its known they'll try to get the card thru with what they got. If they can get a $5 charge. Here comes the floods. One call and rest easy.

Re: Cap One fraud (declined)

UncleB — Mon, 17 Oct 2022 13:20:10 GMT

I got a decline notice from U.S. Bank back in the summer saying a transaction was declined because the card was expired, and the email asked me to try again using my new card. Just as in your case, I hadn't attempted the transaction.

A call was made, and a new card was issued with a new number.

I suspect a card generator is being used, and the expiration dates are being guessed (and they're possibly trying merchants who aren't picky about the CVV). Thankfully the banks are on to this and don't let the transaction go through.

Re: Cap One fraud (declined)

BronzeTrader — Mon, 17 Oct 2022 13:50:43 GMT

Any card alert should be considered seriously. Put them in your watch list.

But sometimes I do forget things since I get so many cards. So I ask family members to see if anyone has used that card. On some occasions, it was false alarm and would be reset.

Re: Cap One fraud (declined)

themanhimself — Wed, 26 Oct 2022 18:09:50 GMT

The hacks are definitely going around. My capital one card had a $600 bogus charge on it last week with an online purchase

Just waiting on the new card now

Re: Cap One fraud (declined)

AndySoCal — Thu, 27 Oct 2022 00:57:52 GMT

@Anonymous The usual source of fraud like this is the Dark Web.

Here is an article about it . I also have posted a thread called Dark web

https://www.experian.com/blogs/ask-experian/what-is-the-dark-web/

Re: Cap One fraud (declined)

Anonymous — Thu, 27 Oct 2022 13:26:32 GMT

@AndySoCal wrote:
@Anonymous The usual source of fraud like this is the Dark Web.

Here is an article about it . I also have posted a thread called Dark web

https://www.experian.com/blogs/ask-experian/what-is-the-dark-web/

Yes, of course. I was merely questioning why someone would pay for just the cc number (without exp or CVV) as it seems as limited utility, but I guess exp date is not too time consuming if CVV isn't needed