About a month ago I received a notification that my CSP was compromised. After calling them up we agreed it was fraud and they closed the account and sent me new cards immediately with new numbers. They told me to switch all of my auto-pays, if any.
I thought I did switch them all but, apparently, I forgot to switch it with Verizon Wireless. Come to find out, Verizon was still able to charge the card even though it's closed out. I called up Chase and asked them how that could be? She said merchants can still charge auto-pay cards because obviously it's not fraud. I've never heard anything like that. I said, so merchants can still charge my card but I can't? She said I'd have to call the merchant to change that. She said the charge was transferred to my new account number.
Anyone else ever hear of this? I thought we have to change our auto-pays because the payments wouldn't go through with the closed out card...but apparently, I was wrong. I swear I learn something new about cards every day!
Starting Score: 648
Yes, that makes sense.
US Bank did something similar when I closed my Secure card, in that the credit limit went to zero, but I didn't get my deposit refunded until about 1 1/2 months, because they had to make sure any outstanding credit card charges had time to be submitted for payment.
I guess someone out there still has one of those credit card carbon copy impression devices, and mails the recepts in once a month. Perhaps Sam Drucker in Hooterville...
I am not surpised by it since they can confirm source and transaction type. Amex did same thing to me for a netflix autopay when my card numbers were compromised.
