topic Re: FRAUD Anyone? in Credit Cards

FRAUD Anyone?

Anonymous — Sun, 23 Nov 2014 23:29:13 GMT

Is anybody experiencing a lot of fraudulent charges lately? I had an AMEX replaced a couple months ago and now my CSP was compromised too. It's getting a little excessive lately. I don't know if there's anything you guys do that works as far as preventing these things from happening but I'd like to know what they are. I'm not reckless with them or anything.

Re: FRAUD Anyone?

chwebb1 — Sun, 23 Nov 2014 23:36:19 GMT

@Anonymous wrote:
Is anybody experiencing a lot of fraudulent charges lately? I had an AMEX replaced a couple months ago and now my CSP was compromised too. It's getting a little excessive lately. I don't know if there's anything you guys do that works as far as preventing these things from happening but I'd like to know what they are. I'm not reckless with them or anything.

I had my AMEX BCE compromised a few months back. Someone bought a hotel room in Australia (cost $600) on my card (and didn't bring me along, jerks! ). And just recently (yesterday), I had someone somehow successfully change my PIN on my Discover card, and to also somehow confirm some charges on it with them. Very strange. But in both cases, the banks fixed the issue, and got me back up and running. So no big deal.

Re: FRAUD Anyone?

Anonymous — Sun, 23 Nov 2014 23:47:49 GMT

@chwebb1 wrote:
@Anonymous wrote:
Is anybody experiencing a lot of fraudulent charges lately? I had an AMEX replaced a couple months ago and now my CSP was compromised too. It's getting a little excessive lately. I don't know if there's anything you guys do that works as far as preventing these things from happening but I'd like to know what they are. I'm not reckless with them or anything.
I had my AMEX BCE compromised a few months back. Someone bought a hotel room in Australia (cost $600) on my card (and didn't bring me along, jerks! ). And just recently (yesterday), I had someone somehow successfully change my PIN on my Discover card, and to also somehow confirm some charges on it with them. Very strange. But in both cases, the banks fixed the issue, and got me back up and running. So no big deal.

Yeah it was my BCE too. Fortunately it wasn't for as much as you were taken for. The AMEX was like $26 and the CSP was like $70. It's just a bit scary that this is happening and I can't tell how. They're really good about notifying us at least, especially AMEX. But it's just something we shouldn't have to deal with and waiting for new cards too. UGH.

Re: FRAUD Anyone?

gercredit — Sun, 23 Nov 2014 23:54:58 GMT

Well to be honest, you could also raise the question back to yourself.

How did your spending pattern change the last weeks/months, are you shopping on new websites? Perhaps one got compromised and it is not public already? Perhaps you are paying in a restaurant which has a "untrustful" waiter. Uncareful with friends.

Not blaming anybody here, but I have seen such things happening. Especially if you had two completely different cards compromised, think about were you used them back to back or in short timeframes.

Re: FRAUD Anyone?

Anonymous — Mon, 24 Nov 2014 00:01:20 GMT

Also, some fraud is caused simply by data stolen from merchants and perhaps issuers. Not much you can do about that.

Re: FRAUD Anyone?

Anonymous — Mon, 24 Nov 2014 00:16:43 GMT

My husband has his boa debit info stolen turned out it was a teller at the bank and it was the day after he deposited 5k (I told him cant trust those tellers)

His boa credit card info was stolen too he only used it once since he got it and this when he swiped it at a mom and pop place which probably had that credit card thing on it this was in the summer and the **bleep** bags spent 1k at great adventures yes 1k lol which is why boa called him asap because that was excessive for an amusement park.

Ive had a bogus charge to my discover card for a magazine I never heard of in my life and when i called discover they asked me to contact them first when I did it was a bogus number thats when discover tried to and credited me back the $20.

I think alot of time its data breach, credit card skimming machines and employees that work for these companys. Just keep checking your cards everyday or every other day thats what I do.

Re: FRAUD Anyone?

Anomalous — Mon, 24 Nov 2014 00:37:46 GMT

I had a replacement BoA debit card sent to me after a store was involved in a data breach. In the letter, BofA didn't identify the merchant but mentioned that I shopped their prior to the incident. A cousin of mine had her BofA debit card replaced after noticing fradulent charges on her account. Learned they were occured in Canada.

Re: FRAUD Anyone?

elim — Mon, 24 Nov 2014 01:14:28 GMT

never have had a fraud charge... ever

my gf has been scammed many times (she even calls the local pizza place and gives her CC over the phone, including sec code)

Re: FRAUD Anyone?

Blodreina — Mon, 24 Nov 2014 14:22:26 GMT

Goodness

Re: FRAUD Anyone?

juggar — Mon, 24 Nov 2014 15:03:39 GMT

In Nov 2013 my Citi card(then a basic "platinum") was compromised.

Apparently they had got all the data from my card and made clone(s) of it and were charging many small things under $100.

The total charges added up to like $300 or so but Citi did alert me after they saw a charge go through for $93 in Miami at a Victoria's Secret... lol

Oh, and at the same time, about 20 mins later after the Victs secret charge one came through for $3 from a home depot in Houston, TX....

I told the rep, that it was physically impossible for my card to be present some 1200 miles away from the location of the first fraud charge 20 mins ago. Not even an SR-71 going 2200 MPH could have made it there in 20 mins.

Citi took care of it but I had to stay on top of it because they didnt flag some of the charges even after repeated calls.

Re: FRAUD Anyone?

Anonymous — Mon, 24 Nov 2014 15:24:10 GMT

@juggar wrote:
In Nov 2013 my Citi card(then a basic "platinum") was compromised.

Apparently they had got all the data from my card and made clone(s) of it and were charging many small things under $100.

The total charges added up to like $300 or so but Citi did alert me after they saw a charge go through for $93 in Miami at a Victoria's Secret... lol

Oh, and at the same time, about 20 mins later after the Victs secret charge one came through for $3 from a home depot in Houston, TX....

I told the rep, that it was physically impossible for my card to be present some 1200 miles away from the location of the first fraud charge 20 mins ago. Not even an SR-71 going 2200 MPH could have made it there in 20 mins.

Citi took care of it but I had to stay on top of it because they didnt flag some of the charges even after repeated calls.

Those clones are a real thing. I had people doing that all of the time in retail. They have their own name on YOUR card. It's crazy. 2 weeks later it'd come back to us disputed.

Re: FRAUD Anyone?

Anonymous — Mon, 24 Nov 2014 15:34:57 GMT

Yes, had a MasterCard compromised (new card) only used it once in a small gas station where my card was charged for VS $176 and change, bank closed and replaced the card ASAP. Here is one for you, wrote a check to pay a credit card bill with my account number written across the top edge of the check and my checking account got hit for hundreds of dollars illegal debits, upon investigation the check info was stolen by an employee of the Chicago Federal Reserve Bank processing center. Working with the bank, we charged the employee with fraud (found guilty).

Re: FRAUD Anyone?

1GaDawg85 — Mon, 24 Nov 2014 15:51:25 GMT

cant say that I have had that issue with my cards

Re: FRAUD Anyone?

Anonymous — Tue, 25 Nov 2014 23:25:39 GMT

I've had fraudulent charges on my card earlier this month actually (for the first time since I've owned any debit/credit cards in the last 11 years). I'm not sure where they got my info, but it was my Chase Freedom card that I just opened in July. Chase's fraud department was emailing/texting me constantly one night while I was out, turns out someone was in another state trying to use my card (It was never lost, and in my wallet at the time). It is an unsettling feeling for sure

Re: FRAUD Anyone?

Anonymous — Tue, 25 Nov 2014 23:44:44 GMT

A week ago my freedom card was also compromised. Some low life used it in CA Polo men outlet store for 400+ it went through tho.. but chased contacted me right away and asked if it was me I told them I have never lived in CA. They took care of the charges for me. Later i found out from my personal banker that some idiot made a copy of my card and swiped it for stuff. With that amount the store staffs should check the card/ID/signiture etc, that same idiot tried to use the card again at the same store for another $700+ but that time chase blocked it. I used my ritz card for like $200 for a play tickets they checked ID.

Re: FRAUD Anyone?

techiegirl — Wed, 26 Nov 2014 06:02:03 GMT

It hit my Chase Freedom card twice within 2 months of each other. I received email notification of an $11.99 charge from Netflix. My Netflix isn't $11.99 and isn't charged on my Chase card, so I called and had the card replace. I only used the replacement card once (at Walmart) and a few weeks later there was another fraudulent charge.

I've set up all my credit cards to email me of all charges. Only Citi doesn't have that option.

Re: FRAUD Anyone?

someg33k — Wed, 26 Nov 2014 06:35:58 GMT

My Citi card had to be replaced last month. Somebody tried charging a bunch of stuff at a GameStop, but Citi denied the charges since it was several states away from me.

Re: FRAUD Anyone?

EddieK — Wed, 26 Nov 2014 06:42:09 GMT

@Anomalous wrote:
I had a replacement BoA debit card sent to me after a store was involved in a data breach. In the letter, BofA didn't identify the merchant but mentioned that I shopped their prior to the incident. A cousin of mine had her BofA debit card replaced after noticing fradulent charges on her account. Learned they were occured in Canada.

Same thing here...BOA business debit card. I called just to make sure it was legitimate and asked who the merchant was and was told they couldn't provide that information.