Fraud on long SD'd card? Is it common?

[Anonymous]

Got a call from Nebraska today at work, they left a voicemail about detected fraud on my local CU Visa credit card, just to be safe I checked with the CU first who confirmed it.

Now... the part I am curious on is how that card info got into the hands of someone trying to make a $4.44 purchase at a hotel in Indiana. I've never been to that part of the country. This card hasn't been used at all (got a new EMV chipped card sent to me after the final time I used the old non-chip one, nearly a year ago) so how do these crooks get card info for something that hasn't even been carried or used in that amount of time?

Let alone that the actual card I posess has literally never been used or entered in anything anywhere?

Anyway - moral of the story is good job CU for catching fraud fast and alerting me, tough luck crook for trying to do fraud with a card that hasn't been used in a year.

[Anonymous]

I always wonder the same thing. Good for them for catching it so quick though!

[Anonymous]

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@Anonymous wrote:

Got a call from Nebraska today at work, they left a voicemail about detected fraud on my local CU Visa credit card, just to be safe I checked with the CU first who confirmed it.

Now... the part I am curious on is how that card info got into the hands of someone trying to make a $4.44 purchase at a hotel in Indiana. I've never been to that part of the country. This card hasn't been used at all (got a new EMV chipped card sent to me after the final time I used the old non-chip one, nearly a year ago) so how do these crooks get card info for something that hasn't even been carried or used in that amount of time?

Let alone that the actual card I posess has literally never been used or entered in anything anywhere?

Anyway - moral of the story is good job CU for catching fraud fast and alerting me, tough luck crook for trying to do fraud with a card that hasn't been used in a year.

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Was the EMV card the same number as the old one?  If so, some record from that could have been hacked, or the issuer records could have been hacked.

BTW: I am all for this kind of crime!   I would much rather would be crooks did this (with little impact to us except for increased fees/decreased reward in general) rather than mug or break in etc.

[Anonymous]

Glad they caught it. I will never understand how someone can get a card number even if the card has never been used or even out of sight. Sync should take note and get this CU's software to detect fraud!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Got a call from Nebraska today at work, they left a voicemail about detected fraud on my local CU Visa credit card, just to be safe I checked with the CU first who confirmed it.

Now... the part I am curious on is how that card info got into the hands of someone trying to make a $4.44 purchase at a hotel in Indiana. I've never been to that part of the country. This card hasn't been used at all (got a new EMV chipped card sent to me after the final time I used the old non-chip one, nearly a year ago) so how do these crooks get card info for something that hasn't even been carried or used in that amount of time?

Let alone that the actual card I posess has literally never been used or entered in anything anywhere?

Anyway - moral of the story is good job CU for catching fraud fast and alerting me, tough luck crook for trying to do fraud with a card that hasn't been used in a year.

---

Was the EMV card the same number as the old one?  If so, some record from that could have been hacked, or the issuer records could have been hacked.

BTW: I am all for this kind of crime!   I would much rather would be crooks did this (with little impact to us except for increased fees/decreased reward in general) rather than mug or break in etc.

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Safety first!

[Anonymous]

I wonder if it is common, too. 

[delaney1]

I'm not sure how that happens when you haven't used the card, inside job, maybe? I watched a show on fraud a few months ago. Regarding credit card fraud they said thieves have websites they go to to buy and sale hundreds of thousands of credit card numbers. I was shocked!

[takeshi74]

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@Anonymous wrote:

Fraud on long SD'd card? Is it common?

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It's not uncommon and that's it's repeatedly stated here that you must actively monitor all open accounts whether you're using them or SD'ing them.  Not all methods of fraud require physical access to the card or recent usage.  If you can't or won't monitor an account then consider closing it.

[daybreakgonesXe]

Quite possible it was an inside job/hacking and/or just a random algorithm to generate a card/expiration/CCV number. Sometimes the 1st 4 digits and even the 2nd 2 first digits are coded to a particular issuer and card. Plug that in, run it through an algorithm to generate random numbers for the rest of the card, guess at the expiration date, and a another guess on the 3 digit code on the back, and bingo! You could have a valid CC on your hands!

[CatOfSpades]

Yes, there are many ways for fraudsters to get their hands on credit card info. Inside job. The system was hacked. They hacked a place where you have previously used the card and guessed the new expiration date. Guessing in general. It's no secret that cards belonging to the same company have the same first four digits or more, especially when it's a smaller institution. This is one of the reasons why I closed the accounts that I didn't plan on using. The numbers were still active and available to hack. One less thing to worry about.