topic Re: Fradulent Charge. Amex to the Rescue, but... in Credit Cards

Fradulent Charge. Amex to the Rescue, but...

Anonymous — Thu, 04 Apr 2013 12:39:27 GMT

Should I be worried? I just got off the phone with a CSR who informed me that they would credit my account. When I called a few days ago when it was in pending limbo, it seems that it was a TV infomercial purchase? Very awesome of them to do it no questions asked.

CSR said that there was no alert on my account at this time to request a new account number, and they advised that it could be a one time thing, so I didn't go forward with that.

I've never really had this happen before. Is it possible that people can access more of my information other than my CC number? Should I be proactive and request another account number? I've been monitoring my other accounts and no activity, so it seems that my Amex was the only one affected.

Re: Fradulent Charge. Amex to the Rescue, but...

Burned2manybridgesB4 — Thu, 04 Apr 2013 13:14:45 GMT

Once...possibly accidental. Twice...new card, and monitor all you have. Good thing about Amex is that they'll always side with the consumer first on a dispute.

Might be a good idea to get a monitoring subscription going, if you don't already have one.

Re: Fradulent Charge. Amex to the Rescue, but...

Anonymous — Thu, 04 Apr 2013 16:55:00 GMT

Thanks for the advice! I will definitely have to look into that. Had been considering it. Any suggestions?

Re: Fradulent Charge. Amex to the Rescue, but...

Anonymous — Thu, 04 Apr 2013 18:46:21 GMT

I had same thing happen once with my Indian Card. I opted to change the number. They overnighted me the card.

I am sure AMEX also sends the new card over night. You just have to change the number everywhere you have set auto payment.

I personally would do that for peace of mind.

Re: Fradulent Charge. Amex to the Rescue, but...

winner88 — Thu, 04 Apr 2013 20:24:44 GMT

I got a call last friday at 8am about a declined charge on my AmEX platinum at forever21 .. pulled my statement and they were on a shopping spreee.. bestbuy X2, home depot etc...

They cancelled the card and 10am on saturday, FedEX was knocking at my door with the new replacement card.

Re: Fradulent Charge. Amex to the Rescue, but...

Anonymous — Fri, 05 Apr 2013 12:58:27 GMT

Well, card was definitely compromised. Another charge yesterday, so went ahead and requested a new account number. Card to be overnighted to me. I have now idea how it could have happened. I am quite careful with card usage.

On a side note, unlike a few other Unicorn card holders, my CSR had no idea regarding the option to PC to another charge product? I guess it just depends who you talk to. Did great with the disputes and new account creation however.

Re: Fradulent Charge. Amex to the Rescue, but...

b_seeker — Fri, 05 Apr 2013 13:26:41 GMT

@Anonymous wrote:
Well, card was definitely compromised. Another charge yesterday, so went ahead and requested a new account number. Card to be overnighted to me. I have now idea how it could have happened. I am quite careful with card usage.

On a side note, unlike a few other Unicorn card holders, my CSR had no idea regarding the option to PC to another charge product? I guess it just depends who you talk to. Did great with the disputes and new account creation however.

You can be as careful as you want, sometimes it may not be enough. About a year and a half ago, a place where I used my debit card got compromised and the people that did it got a ton of numbers. Luckily my bank found out and I had a new card before I even knew. Needless to say I only ever use my debit to get money from an ATM that is attached to my bank now.

I've heard stories of people sticking readers on things like gas pumps that people would never notice, restaurant employees grabbing CC info when they take your card, etc. Might want to double check online accounts where your CC info is saved as well like Amazon.

Re: Fradulent Charge. Amex to the Rescue, but...

Open123 — Fri, 05 Apr 2013 13:35:56 GMT

b_seeker wrote: Needless to say I only ever use my debit to get money from an ATM that is attached to my bank now.

I don't even do that anymore and just use Discover for cashback.

Re: Fradulent Charge. Amex to the Rescue, but...

navigatethis12 — Fri, 05 Apr 2013 14:06:04 GMT

@Open123 wrote:
b_seeker wrote: Needless to say I only ever use my debit to get money from an ATM that is attached to my bank now.
+1

I don't even do that anymore and just use Discover for cashback.

You're always covered in the event the account is comprimised. The bank will usually credit the amount right away or within one day. By law they must do it within ten days while they investigate. I do use the Capital One debit card to get 20 cents per purchase on small purchases, but don't keep a lot of money in there and am not paranoid since they have $0 fraud liability.

Re: Fradulent Charge. Amex to the Rescue, but...

youngandcreditwrthy — Fri, 05 Apr 2013 14:06:59 GMT

Are you sure you weren't sleep-ordering on your Ambien, hon?

Jkjkjk :-p