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myFico Community:
I'm lost at what to do in my situation and I am very frustrated. Approximately two months ago (January), I had one fraudulent transaction for $2 that never posted, just pending. I contacted Goldman Sachs support and they replaced the virtual card and had me change my Apple ID password. Now earlier this month, I had 10+ charges that were again fraud, but never posted and were just pending (they were using the old card from January). Another virtual card was issued and the password was changed. I also was advised to remove the virtual card from my Apple ID and re-add the card to my account.
Here we are again in March with another fraudulent charge, but this time it actually posted from DoorDash. The thieves/hackers managed to guess my new card correct this time. I have only used my AppleCard virtually at DoorDash for personal use. So I figured they were getting it from there; but when I changed my Apple Pay payment method to a different credit card, there was no fraudulent activity on that card despite using it for a week. Since I only used Apple Pay, no card number was saved on DoorDash. The fraudulent charge was also not purchased from my own personal DoorDash account.
Apple Card Goldman Sachs has advised me they have escalated this and the extreme case may mean closing the account. This is the third time I have contacted Goldman Sachs fraud department in 3 months. I would also need to reapply and face another hard inquiry (something I will not do since I am gardening and have no interest in applying for the exact same card). I have 15+ credit cards now and have come along way since when I got the Apple Card which has a $12,000 limit, the highest limit of all my cards currently in my credit profile.
Questions:
1) Would you contact the Consumer Financial Protection Bureau at this point?
2) Are there any other options? (Already reset passwords numerous times, scanned computer for viruses, etc.)
Sounds like a very interesting case. 1) Cardholders don't even know the physical card number. Even if used at a merchant, only the last for digits would be displayed on a receipt. 2) Cardholders are able to change virtual card number at will at anytime for these purposes. 3) Apple Card also allows automatic CVC number changing for added security in addition to locking the physical and virtual cards.
I'm sorry this has happened to you. Hope it all eventually works out for you. A complaint to the CFPB wouldn't provide a resolution in this case per se I don't think, in my opinion. As Goldman Sachs solution is close account and reapply. I could see if they were refusing to do so. I've never heard of an issuer telling consumer to reapply in fixing a fraudulent situation. Just my 2 cents.
So where is the card being used for the fraud? Can you find out? This sounds to me like it's someone that knows you considering all of the account protections that Apple Card has in place.
"Now earlier this month, I had 10+ charges that were again fraud, but never posted and were just pending (they were using the old card from January). Another virtual card was issued and the password was changed."
So if they were using old invalid information why did you need to reset anything again? They obviously didn't have your new information and you were no longer comprimised. This is where you went wrong I think. If the card information they were using was really cancelled then this should have been the end of it.
Sorry to hear about this situation, I know from personal experience how frustrating it is. I have been through this so many times and there's little anyone can do once your info is out there, it's out there for good and these people will just keep using it until you die. IMO you should do whatever you need or want to protect yourself and your info, short of being scammed over protection services, but just know that it's likely they'll get you info again.
I've had credit cards for almost 40 years, @davyvfr, and I've had fraud issues countless times with numerous lenders. But this situation is highly unusual. Somebody is missing something. I've never had nor heard of an on-going fraud issue once it is reported to the lender.
I have many questions that might help you diagnose where the problem lies.
Here are my thoughts of some further steps that could be helpful.
I don't know your living situation or relationships, but several of my suggestions have included the possibility of someone close to you who is physically accessing your devices. For now, I think it's best that you don't discuss your security plans with anyone or disclose new passcodes with anyone. Keep it all to yourself until you've broken the cycle.
Please keep us informed about your progress as I'm very curious to know how this all turns out. And if you are successful resolving it, what steps were necessary. I don't think that closing the account is necessary even though this has been a major inconvenience for you. Best wishes on a speedy resolution.
Every time I try to do anything related to my Apple ID with another device (like when I recently set up new phones/iPads) I get an authentication request sent to my other devices... "XXX is trying to access your ID. 123 456 is the code to authenticate."
Just makes me wonder how is it possible for someone to hack your phone and use your Apple Pay.
@Lou-natic wrote:So where is the card being used for the fraud? Can you find out? This sounds to me like it's someone that knows you considering all of the account protections that Apple Card has in place.
"Now earlier this month, I had 10+ charges that were again fraud, but never posted and were just pending (they were using the old card from January). Another virtual card was issued and the password was changed."
So if they were using old invalid information why did you need to reset anything again? They obviously didn't have your new information and you were no longer comprimised. This is where you went wrong I think. If the card information they were using was really cancelled then this should have been the end of it.
The card was used for fraud in January and February for websites and these transactions were auto declined by Goldman Sachs. They may have been using the correct card number but incorrect billing information. At that point is when I requested a new card number.
In March there was purchases for the following websites (these were auto declined since they were using an old card number that was changed) :
gusxio.com
bdngth.com
happyupsoul.com
vonnenow.com
glowbliss.net
There are a lot more websites used like above, and thankfully these were all declined since they were using an old card number. Then the card was used virtually the end of March successfully for $44.80 on DoorDash (they got the new card number).
I don't even think those websites are real companies so it's pointless reaching out to them.
@TRC_WA wrote:Every time I try to do anything related to my Apple ID with another device (like when I recently set up new phones/iPads) I get an authentication request sent to my other devices... "XXX is trying to access your ID. 123 456 is the code to authenticate."
Just makes me wonder how is it possible for someone to hack your phone and use your Apple Pay.
For DoorDash they were using the virtual card number, not Apple Pay. The previous purchase attempts on those websites were all trying to use the virtual card number.
@davyvfr wrote:
@Lou-natic wrote:So where is the card being used for the fraud? Can you find out? This sounds to me like it's someone that knows you considering all of the account protections that Apple Card has in place.
"Now earlier this month, I had 10+ charges that were again fraud, but never posted and were just pending (they were using the old card from January). Another virtual card was issued and the password was changed."
So if they were using old invalid information why did you need to reset anything again? They obviously didn't have your new information and you were no longer comprimised. This is where you went wrong I think. If the card information they were using was really cancelled then this should have been the end of it.
The card was used for fraud in January and February for websites and these transactions were auto declined by Goldman Sachs. They may have been using the correct card number but incorrect billing information. At that point is when I requested a new card number.
In March there was purchases for the following websites (these were auto declined since they were using an old card number that was changed) :
gusxio.combdngth.com
happyupsoul.com
vonnenow.com
glowbliss.net
There are a lot more websites used like above, and thankfully these were all declined since they were using an old card number. Then the card was used virtually the end of March successfully for $44.80 on DoorDash (they got the new card number).
I don't even think those websites are real companies so it's pointless reaching out to them.
Have you yourself ever entered the new card number onto DoorDash? If so, definitely sound like a security issue with DoorDash.
@sznthescore wrote:Have you yourself ever entered the new card number onto DoorDash? If so, definitely sound like a security issue with DoorDash.
Gives me another reason to never use DoorDash. I've never used it or Uber Eats... I did check UE once and it was like $25 for a $10 meal from McD's...
I'm like wow... people really pay that?
No thanks... I'll drive to the Taco Time that's 1 mile away.