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Post by oldnjplayer on Dec 31, 2021 8:44:25 GMT -5
Had my Credit Card compromised this week. My card co sends alerts whenever something is charged to it when the card is not physically used, like any on line orders. It also lets you know where the charge is from. Well I was reading my e mail one morning at around 7:40 am and had an email telling me a charge of over 700 dollars had just been made at a Walmart in Arkansas at 7:30 am. I called the card company and cancelled the card and had the charge removed. The last time this happened it was a charge at a kids restaurant in some other state. In that case I was actually able to track down the actual restaurant and speak to a manager about the bogus charge. The charge was for payment of a kids birthday party I was told. It occurred to me later that the charge was accepted by an employee since my actual card never left my possession and I was hundreds of miles away.
Just ranting about how easily your Card information including the security code can be compromised. When you get notified that the information at a place you use was compromised, take it seriously.
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michael
Wholenote
Recent Retiree
Posts: 622
Age: old enough to know better and not care
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Post by michael on Dec 31, 2021 9:03:57 GMT -5
it is AMAZING how easily it must be... when COVID came to town, we began, like everyone else, doing a lot of on-line shopping and curbside pickups. one of our cards was refused suddenly by walmart and i called to find out why. turns out the credit card company had seen what they thought was fraudulent activity but had failed to notify me. we cancelled the card and another was reissued. i arrived and we drug our feet activating it because i'd changed all the on-line recurring payments to another card... BEFORE WE ACTIVATED THAT CARD... IT WAS COMPROMISED!!!
the credit card company had NO explanation... just said.. "it happens".
keep an eye on things...
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1600
Wholenote
Posts: 106
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Post by 1600 on Dec 31, 2021 10:22:38 GMT -5
Happened to me on Wednesday. I got a text from my card company asking if made a $900 + charge. I texted back and said no so they said to call the number on the back of my card. The representative said the charge was suspicious so it was declined and they contacted me. They are sending a new card. It's a little scary that they can tell a bogus charge but I guess it's a good thing. This has happened about four times in the past ten or so years.
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Post by fkaJimmySee on Dec 31, 2021 11:01:40 GMT -5
We've had that experience, as well. But last week we made several furniture purchases in-store at Macy's. The third charge was declined. I called Citi and spoke to their fraud department. After going through a process to verify my identity, I confirmed the charges were legit. Macy's reran the third and our furniture was delivered yesterday. We approve of the fraud department being cautious. I always let them know when we leave the country and where we are going -- so far no issues with declined charges while we are overseas.
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Post by Laker on Dec 31, 2021 12:01:43 GMT -5
I was on vacation one year and the credit card company kept shutting off my card. I’d call and the card would be re-activated for the rest of the day. The next day (paying motel) the card would be shut iff again. That went on for three or four days. I finally got the card company convinced that I was traveling and all seemed good.
I eventually spent a weekend in Las Vegas on that trip in a comp room where they said they needed an imprint of my card in case I charged anything to the room. Two months later my credit card got hit for $4000 before I got my statement and shut the card off. The first hit was for a couple hundred dollars at the casino where I stayed, and once that went through I was paying for television sets and other goodies. It took several months and a lot of bitching with the card company to get those charges removed from my account. I told them that it was impossible for me to be charging gas and food three states away on the same day that my card was being used in Nevada.
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Post by Taildragger on Dec 31, 2021 12:21:32 GMT -5
It's my understanding that often, these thieves will make a couple of small, preliminary purchases to see if anyone is "paying attention". Then, if the card remains active, they'll start going for serious money.
Fortunately, we've never been victimized...yet (knock on wood).
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michael
Wholenote
Recent Retiree
Posts: 622
Age: old enough to know better and not care
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Post by michael on Dec 31, 2021 12:23:01 GMT -5
I told them that it was impossible for me to be charging gas and food three states away on the same day that my card was being used in Nevada. I failed to note in my earlier post that the charges made on my card was in Montreal and Las Vegas. At the same time. |
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Post by Mfitz804 on Dec 31, 2021 13:09:18 GMT -5
It's my understanding that often, these thieves will make a couple of small, preliminary purchases to see if anyone is "paying attention". Then, if the card remains active, they'll start going for serious money. Fortunately, we've never been victimized...yet (knock on wood). I once found a charge for like $0.37 that I didn’t recognize and I challenged it. Turned out to be part of a scam where like 30 million people had similar charges. I guess somehow the thief was using a shell to charge millions of people in an amount they probably wouldn’t notice unless they review their statement, because the balance would be about right. |
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Post by fkaJimmySee on Dec 31, 2021 13:17:57 GMT -5
When we lived in Manhattan, my bride was having coffee with a friend near Macy's on 34th and Broadway. She noticed that he wallet had been pickpocketed out of her purse, within five minutes of when it happened. She called me (pre-cell phones) from a public phone and I went about notifying the credit card companies. But within five minutes of the theft, someone charged thousands in camera gear from a shop at 32nd and Broadway. AmEx removed the charge from our account, no questions asked.
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Post by Auf Kiltre on Dec 31, 2021 14:01:20 GMT -5
I certainly hope the thieves reported it as income!
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Post by Taildragger on Dec 31, 2021 15:05:01 GMT -5
I certainly hope the thieves reported it as income! Yeah, I saw that IRS request on the news.
Somebody there either has a wry sense of humor or is totally detached from reality...
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Post by Ragtop on Jan 1, 2022 9:03:38 GMT -5
This happened to me several years ago before I retired from LE. The thief used my CC number for two small purchases, then used it to pay for $800 worth of repairs on her car at a Chevy dealer. She was in Detroit, I was in Omaha.
I had a state trooper down the hall who did nothing but CC fraud. He and I went to work, and within a few hours we had her name, address, place of employment (USPS), and type of car. We had her photo. We had video of her at the dealership. The dealership was uncooperative until I pointed out that they were the victim, not me, and I wasn't going to pay the $800 bill. Then they couldn't have been more helpful.
This actually occurred in a suburb of Detroit, so I called that PD to hand them this completed case all wrapped up with a big bow. All they had to do was go arrest her. But they said that they didn't have the manpower, sorry. So the thief walked. Sad state of affairs.
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Post by oldnjplayer on Jan 1, 2022 11:59:12 GMT -5
I'm guessing that the CC companies just factor in the money they lose to fraud that is not recouped and factor it in their operating costs. People do CC fraud because I will guess most get away with it. Thieves will always figure out a way to profit off others. At least fed laws do protect the CC owners to a great degree.
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Post by oldfartbassplayrwalt on Jan 4, 2022 16:08:47 GMT -5
Travelling in Mexico, my wife bought some stuff at a souvenir shop. The clerk took her card, turned her
back to run the charge, and we were on our way. 10 minutes later, we got a cell phone alert that our card just
charged $600, in Puerta Vallarta. We cancelled the card on the spot.
When we got home, the bank (Barclay's) billed us for the $600, saying since we never lost possession of
our card, we MUST have made the charge. (ignoring the 10 minutes it was out of our hands). It took two
months of back and forth arguments, getting police reports, etc till they erased the charge.
Advice to you all:
if you're in a hinky location, avoid giving up your card physically.
If you have a Barclay card, use a pick punch on it. It makes a colorful guitar pick.
If you still have to use a Barclay card, and are really paranoid,
follow the servers in your local restaurants
back to the billing stations and hover over them, since according to the bank rules,
you can be responsible for any charges...
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