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Fraud on FNBO account

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dlister70
Frequent Contributor

Fraud on FNBO account

I was checking my credit card account online and saw a couple pending charges that weren't mine.  I called in to report it, and while I was on hold, I went to the section of the account website where you can have them email you alerts.  I picked that I wanted to be emailed whenever the physical card was not present for a purchase, and it asked which email address to send the alert to, and I noticed that there was a second email address that wasn't mine on the account!

 

When I got through to customer service, after a little looking around, they transferred me to the "account alerts" department (I think that's what they called it).  

 

It turns out that someone had updated my address, phone number, email address and everything!  It must have been really recently because I just got a letter from FNBO about the benefits of the card last week, so they had my address then.  But all of my account information had been changed.

 

I've had fraud on my debit cards before, but it's always just been that they had my card number and were trying to make small purchases on Netflix or Playstation Network (I guess to see if they'd go through), and my actual online account was never compromised.  The lady said that they had created a new account online (using the strange email address) and she didn't know how that was possible.

 

I'm very weirded out by the fact that they changed all my information on my account, as though it was someone who knew me or something.  I'm probably overthinking it, but that part just really creeped me out.

 

At any rate, I'm glad they staff their phones 24/7 because I'd have lost some sleep tonight worrying about it.  They canceled my card, and are sending a new card and said that I wouldn't be responsible for the charges.  She also locked out my online account so I'll have to create a new one when I get the new card, and I had to set up a password that the operator will ask me when I call in so hopefully that will deter the fraudsters from doing anything else.



Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: Fraud on FNBO account


@dlister70wrote:

I was checking my credit card account online and saw a couple pending charges that weren't mine.  I called in to report it, and while I was on hold, I went to the section of the account website where you can have them email you alerts.  I picked that I wanted to be emailed whenever the physical card was not present for a purchase, and it asked which email address to send the alert to, and I noticed that there was a second email address that wasn't mine on the account!

 

When I got through to customer service, after a little looking around, they transferred me to the "account alerts" department (I think that's what they called it).  

 

It turns out that someone had updated my address, phone number, email address and everything!  It must have been really recently because I just got a letter from FNBO about the benefits of the card last week, so they had my address then.  But all of my account information had been changed.

 

I've had fraud on my debit cards before, but it's always just been that they had my card number and were trying to make small purchases on Netflix or Playstation Network (I guess to see if they'd go through), and my actual online account was never compromised.  The lady said that they had created a new account online (using the strange email address) and she didn't know how that was possible.

 

I'm very weirded out by the fact that they changed all my information on my account, as though it was someone who knew me or something.  I'm probably overthinking it, but that part just really creeped me out.

 

At any rate, I'm glad they staff their phones 24/7 because I'd have lost some sleep tonight worrying about it.  They canceled my card, and are sending a new card and said that I wouldn't be responsible for the charges.  She also locked out my online account so I'll have to create a new one when I get the new card, and I had to set up a password that the operator will ask me when I call in so hopefully that will deter the fraudsters from doing anything else.


I'm not at all shocked people can peice together information about you sometimes even neighbors do it always need to becareful.

Message 2 of 10
Anonymous
Not applicable

Re: Fraud on FNBO account

dlister30 share your feelings ... how did they get in and change all that information? Just had my Barclay Card hit with seven Netflix charges for $5.93 each (why as a crook would you hit the account with seven of the same dollar amounts to the same vendor at one time - seems excessive). Called Barclays while the charges were in a pending status (on a Sunday). The card company shut down the account immediately and reissued a new account and had me back up with a new card the next day by Fed Ex. Very impressed and they removed the charges within two hours of my call. Seems these crooks are very good at what they do!

Message 3 of 10
dlister70
Frequent Contributor

Re: Fraud on FNBO account


@Anonymouswrote:

dlister30 share your feelings ... how did they get in and change all that information? 


They somehow made another online account with a different email address but linked it to the same credit card.  The person I spoke with at FNBO said she didn't understand how that was possible because when she got locked out of her own account one time, she wasn't able to create another account with the same card.  

 

Once they had the other account set up and linked to my card, that was apparently the "default" account so any calls/mail/email would have gone to them instead of to me even though my account was still active and I was logging in and checking on things on my real account.

 

I just got the card back in December, and I've only used it a handful of times.  I looked back and it's been used at only 4 places, though a couple of the places were multiple times.  Two were at the same gas station, and I wondered if there was a card skimmer at the pump (although I do tend to pull on the reader before using the card there to make sure).  

 

The person from FNBO said that sometimes the fraudster has a computer running thousands of different number variations and the computer will report back which ones seem like they will actually work so that the person can try those.  In that event, they would never have been physically close to the card.

 

However, the fake email that they used had my real name as part of the email, so they would have had to know my name and not just the card number. 



Message 4 of 10
Anonymous
Not applicable

Re: Fraud on FNBO account


@dlister70wrote:

@Anonymous 

The person from FNBO said that sometimes the fraudster has a computer running thousands of different number variations and the computer will report back which ones seem like they will actually work so that the person can try those.  In that event, they would never have been physically close to the card.

 


That is the first time hearing that type of idea from an actual person.

 

I have always that that myself but no way to prove it.

I think that there are programs designed to pick "random" numbers and use it to make fraudulent charges

Yes it doesnt make sense, but I dont really see any other way to do it.

That and also programs to obviously crack login info, and once they are in, they can easily 

get all your info, then give the call in to achieve the rest. Then they can do what they desire.

I do know that every bank has their own internal fraud red flags, but

amex told me about a week ago, that when mulitple charges from the

same place that decline in amount will raise a red flag and lock account.

HAd it happen when I had to place two sep orders with the second being less than the first.

 

Hope all works out, and dont lose sleep, since your acct was protected.

Message 5 of 10
Anonymous
Not applicable

Re: Fraud on FNBO account

@Dino good for you glad they got the card shut down... Something I do always and maybe it will help others if you have a laptop or another computer that is clean use that instead of your main PC for banking,etc. hope this helps. Smiley Very Happy

Message 6 of 10
Anonymous
Not applicable

Re: Fraud on FNBO account

WhatTickaWhat great information! Never would have guessed ... now I know there really is little that can be done if they are running computer generated programs using random numbers. Being vigilant and hoping the lenders have good screening software! Appreciate the insight Smiley Happy
Message 7 of 10
Anonymous
Not applicable

Re: Fraud on FNBO account

CapCredit72 ... hmmm yes I do have a clean computer besides the regular use computer. Good idea and it wouldn't be a hassle as it is kept totally up to date!
Message 8 of 10
gdale6
Moderator Emeritus

Re: Fraud on FNBO account

Possible you have a keylogger virus that reports your moves to the fraudster. Also possible its an inside job.

Message 9 of 10
Anonymous
Not applicable

Re: Fraud on FNBO account

All of the above. 

 

There is so many ways to commit fraud it isnt funny.


The only thing funny is, for fraudsters to work, they have to work.

So they will eventually have to pay for their stupid mistakes.

 They just really need to work a real job for their money, not someone elses.

But there will always be those types of people in the world we live in.

 

Just very nice that we are protected with credit cards and non-authorized use.

 

 

Message 10 of 10
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