topic Re: Discover Card Hack in General Credit Topics

Discover Card Hack/Fraud

Anonymous — Tue, 13 Sep 2022 08:49:08 GMT

Yikes! Received a Text and E-Mail alerting me to a charge that they flagged. Shocked and this is the second time in the last ten plus years.

Contacted them by telephone (waited three minutes) and went through a thorough screening/grilling about my account and the charge. They also verified what was already showing on the account (legitimate charges). The charge and vendor had not even seen my cards. In fact they had me verify my cards which I had to take out of the vault.

Shakes a person up for sure. They removed the charge and closed my account (no option here). They said they would set up a new account and I had them expedite the cards 1 - 2 days rather than 9 days mail.

Follow-up: Discover had new cards to me with next day service. Everything stayed the same for history and in the credit bureaus.

Re: Discover Card Hack

pinkandgrey — Wed, 07 Sep 2022 04:15:37 GMT

Ouch! Sorry to hear that, Dino. Disco tends to make everything super easy though. At least you caught it!

Re: Discover Card Hack

AndySoCal — Thu, 08 Sep 2022 00:47:35 GMT

@Anonymous I had a similiar experience a few years ago with Discover. The card was never out my possesion and not used on the internet. I had logged in to check the statment balance. I saw on the statement a charge for $650.00 from a company I did not recconize. Usually if I spend $650.00 I would remember doing so. I called Discover and was transferred to the fraud department they did not have any additional information on the company. Fraud department tells that there are 2 additional charges not yet posted that were not mine either. Combined total of around $1000 in charges. They went through their usual process of identifying me and making sure all the charges were mine as well. When there is fraud on a credit card reported or verified by the consumer, I do not know of creditor that will allow the account to stay open.

Glad it was caught.

Re: Discover Card Hack

Zoostation1 — Thu, 08 Sep 2022 03:37:21 GMT

If this situation happens, does your account age start over or does it stay at the pre fraud opening date?

Re: Discover Card Hack

AndySoCal — Thu, 08 Sep 2022 18:52:41 GMT

@Zoostation1 It is the original date (pre fraud) that account was opened.

Re: Discover Card Hack

Aim_High — Fri, 09 Sep 2022 17:00:44 GMT

Sorry to hear of the fraud, @Anonymous, but glad to see Discover was on top of it.

Unfortunately over the years I've had fraud on many cards. I've been very impressed with my lenders who are proactive and detect it quickly, often before I even see it. And also impressed with lenders who make the process very easy. Discover, Capital One, Chase, and Navy Federal are all in that group as top-notch at fraud. Oddly enough, I've had cards that were subject to fraud that were either never (or rarely) swiped, were in my possession, and were never (or rarely) used on the internet for purchases. One was a PenFed debit card, and I never make debit purchases. Still don't understand how that happens!!!

My last instance with fraud was just a month ago on my NFCU Platinum card. I've only swiped that card a few times in two and half years (and none recently) but Navy contacted me about a $50.68 online charge. (They had already denied additional ones from the same website.) I called them back and they immediately reversed the charges after verifying with me, and reissued a new card. I was very pleased with how they handled the experience.

One of my lenders who least impresses me with fraud is my UMB bank (AFBA affiliate.) I've had fraud at least twice on that one over the years and I don't believe they've ever proactively detected it. The last one was in April 2021 for a $57.38 food delivery charge in London, and I had not traveled to Europe in many years! While they did reverse the charges, they did not detect it internally. And they sent out a snail-mail statement to return to them regarding the incident. That's probably the only time I've been asked to fill out forms.

I also had fraud on a Health Savings Account Debit card which I had in my possession, had never used it, had never even activated it, and for charges halfway across the country! Those charges never got reversed even after hours on the phone with my employer, the outsourced vender, and the medical office. I cancelled the card, closed my HSA, and elected to forgo my potential tax savings on medical bills because of the hassle.

Electronic fraud is so prevalent and a true financial concern these days, unfortunately. Signs of the times.

Re: Discover Card Hack

Aim_High — Fri, 09 Sep 2022 17:02:42 GMT

@AndySoCal wrote:
@Zoostation1 It is the original date (pre fraud) that account was opened.

+1 This is correct, @Zoostation1. The cards are reissued with different account numbers, expiration dates, and security codes but they continue to show original account age on your credit reports.

Re: Discover Card Hack

Aim_High — Fri, 09 Sep 2022 17:05:41 GMT

By the way, @Anonymous, when I saw your title

"Discover Card Hack" I thought you

were going to give us some special trick

for using your Discover card! LMAO ...

Re: Discover Card Hack

Iusedtolurk — Sun, 11 Sep 2022 09:03:46 GMT

@Aim_High wrote:
By the way, @Anonymous, when I saw your title
"Discover Card Hack" I thought you
were going to give us some special trick
for using your Discover card! LMAO ...

@Aim_High My same first thought.

Re: Discover Card Hack

805orbust — Mon, 12 Sep 2022 03:18:37 GMT

+1, totally thought the same thing. This is why I NEVER use debit cards for anything. I've got family members who look at me like I'm nuts. I've had fraud happen with both debit and credit and the difference is night and day. The banks are heat-seeking missles on credit card fraud, but debit? They're like Snuffleupagus.

Re: Discover Card Hack

gdale6 — Mon, 12 Sep 2022 20:46:13 GMT

@AndySoCal wrote:
@Anonymous I had a similiar experience a few years ago with Discover. The card was never out my possesion and not used on the internet. I had logged in to check the statment balance. I saw on the statement a charge for $650.00 from a company I did not recconize. Usually if I spend $650.00 I would remember doing so. I called Discover and was transferred to the fraud department they did not have any additional information on the company. Fraud department tells that there are 2 additional charges not yet posted that were not mine either. Combined total of around $1000 in charges. They went through their usual process of identifying me and making sure all the charges were mine as well. When there is fraud on a credit card reported or verified by the consumer, I do not know of creditor that will allow the account to stay open.
Glad it was caught.

That means an inside job.... or gas pump skimmer

Re: Discover Card Hack

OmarGB9 — Tue, 13 Sep 2022 05:41:04 GMT

@Aim_High wrote:
By the way, @Anonymous, when I saw your title
"Discover Card Hack" I thought you
were going to give us some special trick
for using your Discover card! LMAO ...

Same here. I think a more appropriate title would've been Discover Card Fraud.

Sorry about the headache Dino, but at least they caught it and took care of it!

Re: Discover Card Hack

DollyLama — Fri, 23 Sep 2022 16:27:13 GMT

I do not use a debit card either. Discover on their home page when you log in, under profile, go to manage alerts. I have my card set to the lowest amount. Rather I have card in possession or not, I get a text immediately for the amount and retailer/grocery, wherever I'm shopping. It eases my mind knowing I'm alerted as soon as it is swiped or purchased online.

Re: Discover Card Hack/Fraud

Bosslady951 — Wed, 28 Sep 2022 22:24:27 GMT

Glad you caught it.