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I got an alert from Chase about a potentially fraudulent charge on my FU from some outfit called "HAB*HABAND" for $99.95. Called back immediately and advised them it wasn't my wife or I. New cards on the way... But I googled this "company" and all kinds of reports of scams and fraud popped up. If this is a fraudulent company, why are credit card processors continuing to run transactions for them?
@KLEXH25 wrote:
Sounds like the system they have in place worked. Just because the transaction was made with that company doesn’t mean it was them placing the charges. It could have been a customer with your card number.
Google "hab haband scam" and you'll see what I'm talking about... I don't believe TOS allows me to post the links that come up
Some payment processors are more willing to accept chargebacks if they’re given a higher percentage for the risky transactions.
Chase has been pretty spot on when it comes to knowing what's mine and what's not. They also caught someone attempting a $600 purchase through Best Buy on my CSP maybe a year ago, declined the charge and sent me a notification.
There were a couple times that it did decline when it actually was me attempting a purchase in far Northern CA, but since I allowed them GPS access through the app on my phone, I've had no issues whatsoever.
I would rather deal with declined charges than let my bank constantly monitor my location.
@Anonymous wrote:I would rather deal with declined charges than let my bank constantly monitor my location.
It only uses the GPS to see if my phone and my card are in the same place when the card is used LOL
@ChargedUp wrote:
@Anonymous wrote:I would rather deal with declined charges than let my bank constantly monitor my location.
It only uses the GPS to see if my phone and my card are in the same place when the card is used LOL
You can’t really guarantee that though. Once you give an app permission to use your GPS, it can be used any time. I disable the GPS feature for all apps on my phone except some apps that need it when I’m using it and with those I change the permission to only when I’m using that app. I will take a bit of inconvenience over giving up my privacy — and if one card gets declined I have a QuickSilver that never does.
@Anonymous wrote:
@ChargedUp wrote:
@Anonymous wrote:I would rather deal with declined charges than let my bank constantly monitor my location.
It only uses the GPS to see if my phone and my card are in the same place when the card is used LOL
You can’t really guarantee that though. Once you give an app permission to use your GPS, it can be used any time. I disable the GPS feature for all apps on my phone except some apps that need it when I’m using it and with those I change the permission to only when I’m using that app. I will take a bit of inconvenience over giving up my privacy — and if one card gets declined I have a QuickSilver that never does.
I'm not really worried if they know where I am or not. As much as work has me on the road, it does make life simpler that having to call and let them know what state I'm going to be in today. Not to mention the embarrassment I went through when I took some clients out for lunch and Sapphire AND AAA Rewards declined. (Amex PRG worked thankfully!, and I think the issue was more with the merchant than me.) .... And if there was ever a reason I've held onto my Cap One Union Plus MC, it NEVER declines, just like your QS. (Elan seems to be fairly bullet proof in the same manner FWIW.)