Unknown payment made to my credit cards

[Anonymous]

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@Anonymous wrote:
I wonder if they were just testing to see if you would notice and if you didn't then they might have went shopping spree with your cards, or they made the payment so that they could take full advantage of your credit limit.

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Why make a payment and risk your own money.

[Anonymous]

They used OP's account, not theirs.

[longtimelurker]

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@Anonymous wrote:

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@Anonymous wrote:
I wonder if they were just testing to see if you would notice and if you didn't then they might have went shopping spree with your cards, or they made the payment so that they could take full advantage of your credit limit.

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Why make a payment and risk your own money.

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Yes, I suspect this is an error of some type.    When you saw your old account, were all the purchase transactions yours?   Is it possible that they had linked your login to the wrong account, hence the change of email and mailing address?

As Nixon says, it would make little sense to do all that work AND pay money as part of a scheme that might not work.

If you have card info you IMMEDIATELY go out on a shopping spree after making a small transaction first at a self-serve gas station, preferably at night,  to see if the card has been reported.   That's what my mother taught me and it works every time.

[longtimelurker]

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@Anonymous wrote:
They used OP's account, not theirs.

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As in

"No the payments werent made from my bank account. "

And with bank account access it makes even less sense to pay off the cards!

[Rice1o5]

No, the payments were NOT made from my bank account. 

The payments were made around 6pm and I caught it within 3 hours of the payments being made. 

Also, I want to mention my credit cards were almost maxed out. The payments they made paid off nearly both of the cards. Also since they made the payments over the phone it requires them to use the last 4 of my SSN to make the payments. 

[Anonymous]

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@Rice1o5 wrote:

No the payments werent made from my bank account. 

Lol yea i figure at this point i did what i was supposed to do immedietly after noticing it. I almost feel at this point i should count my blessings and keep it moving! haha

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Did you call your bank?  Tell them it was fraud & they will refund your money.  I would ask Cap One to fax them the info.  Shouldn't be a problem.  And all the more reason to check our accounts daily to make sure nothing is fishy!  

[Anonymous]

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If you have card info you IMMEDIATELY go out on a shopping spree after making a small transaction first at a self-serve gas station, preferably at night,  to see if the card has been reported.   That's what my mother taught me and it works every time.

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Bahahahaha!!!!!!!

[Rice1o5]

He DID NOT use my bank account info to make the payments. He paid MY credit cards with HIS bank info over the phone.   So he paid my credit cards with HIS money

[Anonymous]

Oh! I totally read it as payment were made from OP's account, my bad. Well then, I think it must've been mistake of cap ones customer service, maybe the rep pulled the wrong account by mistake.

[Rice1o5]

And as previously stated he made both payments over the phone where he had to enter BOTH of my credit card numbers in FULL and enter the last 4 of my SSN