Fraud attempt on OLD CC #?

[Anonymous]

I was out shopping when I received a text, from BoA: "BofA: (Declined) $94.12, Credit card 8xxx, ONLINE SHOPPING NETWORK, Australia, 09/06/20."

What the hey? I'm not in Australia, and I didn't order anything on "Online Shopping Network." Guess I'll have to call them when I get home. But then I noticed the 4 digits of the account number didn't look right. I pulled my BoA card out of my wallet and its last 4 digits is 6xxx. Curiouser and curiouser. I used my card at Lowes and Walmart and the charges went through normally and I received text alerts for those as well, with the correct account number (I have text alerts for all charges over the $1 minimum turned on)

When I got home I started going through my BoA card statements, both for this card and another I had closed over a year ago.  I found the affected 8xxx account number belonged to my current card but the number was changed around November 2017 to the current number, probably after a compromise was reported.

Since it's an old account number and the charge was declined, should I worry about this?  Should I call them?  They can't get my current account number using the old one?

Thanks...

[Anonymous]

Worth a call just to make sure

[M_Smart007]

@Anonymous, I second make the call ...

Make sure you use the Phone# on the back of your card!

Phishing attempts have been rampid lately.

[Anonymous]

If it's an old number, normally nothing to worry about. Since you got a declined purchase text, however, I would call BoA just to make sure that card isn't still active in their system. You shouldn't be getting notifications for a card that has been shut off. 

[Anonymous]

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@Anonymous wrote:

If it's an old number, normally nothing to worry about. Since you got a declined purchase text, however, I would call BoA just to make sure that card isn't still active in their system. You shouldn't be getting notifications for a card that has been shut off. 

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It's an active card but not the current card number.  Since it was changed by the issuer automatically 3 years ago (presumably) due to a compromise, it should always decline if used, but should it have sent me an alert?  Maybe to let me know an attempt was made.  I'll probably give them a call in a day or two, no rush.  Unless it happens again....or I see an attempt on my current number.

It wasn't a phishing attempt, there's no contact info in the text, plus it came from the same texting # that alerts I get when I legitimately use my card comes from.

[M_Smart007]

"It wasn't a phishing attempt, there's no contact info in the text"

Just wanted to throw that out there .. for just in case.

Also for others to be very careful of Phishing attempts.

Glad to hear that it wasn't. Obviously someone has your old card info.

[NRB525]

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@Anonymous wrote:

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@Anonymous wrote:

If it's an old number, normally nothing to worry about. Since you got a declined purchase text, however, I would call BoA just to make sure that card isn't still active in their system. You shouldn't be getting notifications for a card that has been shut off. 

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It's an active card but not the current card number.  Since it was changed by the issuer automatically 3 years ago (presumably) due to a compromise, it should always decline if used, but should it have sent me an alert?  Maybe to let me know an attempt was made.  I'll probably give them a call in a day or two, no rush.  Unless it happens again....or I see an attempt on my current number.

It wasn't a phishing attempt, there's no contact info in the text, plus it came from the same texting # that alerts I get when I legitimately use my card comes from.

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OP, it sounds like there is a scenario here where you would not call BofA.  I would suggest calling BofA sooner, and for sure. 

This fraud attempt is on one of your cards. Even though the specific number does not match, it is in your chain of responsibility.  By calling BofA you enable their computer system to be properly updated, and refine the lock down on this card number. If you don't call, the next scenario may move to your active card.  

[ocheosa]

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@Anonymous wrote:

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@Anonymous wrote:

If it's an old number, normally nothing to worry about. Since you got a declined purchase text, however, I would call BoA just to make sure that card isn't still active in their system. You shouldn't be getting notifications for a card that has been shut off. 

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It's an active card but not the current card number.  Since it was changed by the issuer automatically 3 years ago (presumably) due to a compromise, it should always decline if used, but should it have sent me an alert?  Maybe to let me know an attempt was made.  I'll probably give them a call in a day or two, no rush.  Unless it happens again....or I see an attempt on my current number.

It wasn't a phishing attempt, there's no contact info in the text, plus it came from the same texting # that alerts I get when I legitimately use my card comes from.

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@Anonymous I would take this seriously, take a screenshot of the message, call and report asap.

My partner uses BOA for both business and personal accounts. It is the only bank out of quite a few that he consistently has fraud charges. I had originally thought it was the convenience store or gas station, even a possible local hacker, then there were charges on a new replacement card that he had not even received yet !

I have continually asked him to close accounts with BOA and move to another bank (preferably a CU) but he's a somewhat lazy banking client. He's been with them for decades, his businesses have a long history with BOA so he doesn't want to start over. Complains it takes time to build up the internal limits/private relationship with a bank to which I agree wholeheartedly. My argument, it's an inside job! How the he** else can they get a hold of a card you haven't even received yet ?!? Unfortunately he doesn't listen to me, would rather play refund/replace musical cards. <rolls eyes...hard>

GL OP! 

[Anonymous]

I called them and they said the charge was declined because it was an old, compromised account number which was converted to my current card 3 years ago due to a reported compromise and I don't have to worry about it.  It was fraud and they flagged it as such, but it will never go through using that account #.

It was probably captured in that compromise and recently sold.

[M_Smart007]

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@Anonymous wrote:

I called them and they said the charge was declined because it was an old, compromised account number which was converted to my current card 3 years ago due to a reported compromise and I don't have to worry about it.  It was fraud and they flagged it as such, but it will never go through using that account #.

It was probably captured in that compromise and recently sold.

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@Anonymous, Glad to hear that it won't affect you