Wanted to share some fraud stories

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Jul 27, 2014 2:23 am

Chase misses a few pretty obviously fraudulent charges. A relative had been making regular swiped transactions when on vacation in the US, far from the Canadian border. In a two-hour period between swipes in the US, the card information was used over the phone for pizza delivery in some remote region of Canada.

Just like when I had my Chase info stolen, I think it was taken by a waiter who sold card info daily.
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Beaglefamily
 
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Postby Beaglefamily » Fri Aug 08, 2014 5:45 am

Thanks so much for your story. I am amazed at how a person's very own bank will simply tell you they "resolved" an unauthorized charge in favor of the merchant, even 'though you've provided evidence and supporting documents that the merchant charged your card when they were not supposed to, then never delivered on the goods, and even sent e-mails saying they had no intention of repairing or finishing their work. I was told for seven months after providing all the documents that we "had nothing to worry about" and this was an open and shut case. Then I suddenly received an online document in my account from Citibank Mastercard basically saying "too bad," we're giving them your money anyway, with no explanation. Calls to the appropriate departments did nothing. This merchant is famous for their scams, but Citi doesn't care, and we are excellent, long time customers. Now I'm not sure what to do, but I can guarantee you that scamming merchant won't get away with it, and neither will Citi. How much evidence do they need? And how badly do they want to lose a customer? Thanks again for your story.

MemberSince99
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Postby MemberSince99 » Fri Aug 08, 2014 1:22 pm

Complain to the CFPB. I bet you will get results.


Then line up a replacement for Citi and dump them and never look back.


That's ridiculous.

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Vattené
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Postby Vattené » Fri Aug 08, 2014 1:39 pm

MemberSince99 wrote:Complain to the CFPB. I bet you will get results.


Then line up a replacement for Citi and dump them and never look back.


That's ridiculous.

I agree 100%! The very least I would do is completely sever your relationship with them. There is plenty of competition out there, and you should give your business to someone that treats you like they want you as a customer. I bet, over the rest of the life you would have had the card, Citi will lose more money than what they would have if they decided in your favor.

Anyone know how good the CFPB is? Of course they're still pretty new, but we need a good watchdog in this country.
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plus several store accounts of varying usefulness now

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Aug 08, 2014 1:48 pm

Although Chase doesn't catch always fraud quickly, they seem to be pretty good about making adjustments promptly.

The rewards programs I get with Freedom, It, and PRG may not be the best for me, but the customer service has been petty good. I don't know if I'd want any card open with a place that isn't great about addressing fraud. Any card can get fraudulent charges, after all, even if you only actually swipe it with honest merchants.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

jpitsy088
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Postby jpitsy088 » Fri Aug 08, 2014 5:34 pm

Fraud on my Amex premier card. Have my cards and bank accts as secured as I think I can, so I put a 500 limit on my amex card, since it is a charge card knew I would probably not be spending large amounts on a single charge. Well the person in Texas on Home Depoe tried charging 1200 dollars. Amex denied the charge and cancelled the card issued me a new card ups 2 day. Not bad. Have no idea how someone got my card #.

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CarefulBuilder14
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Postby CarefulBuilder14 » Fri Aug 08, 2014 6:09 pm

jpitsy088 wrote:Fraud on my Amex premier card. Have my cards and bank accts as secured as I think I can, so I put a 500 limit on my amex card, since it is a charge card knew I would probably not be spending large amounts on a single charge. Well the person in Texas on Home Depoe tried charging 1200 dollars. Amex denied the charge and cancelled the card issued me a new card ups 2 day. Not bad. Have no idea how someone got my card #.


There are a lot of companies that have their customer records hacked - Target and PF Chang are just some of the better-known cases. Maybe you gave the number over the phone to buy something? Or a waiter had it? A normal card reader could also have had a skimmer secretly installed.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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djrez4
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Postby djrez4 » Mon Aug 18, 2014 8:59 am

Here's a fresh one -

Text alert this morning from Chase. My Ink card, which never leaves my desk and is only used to charge cable, cell, and health insurance, had been used at a Bass Pro Shop to the tune of $92.93.

New card arrives tomorrow and then I get to play Autopay Update!™ on the three accounts the card gets used for.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

MemberSince99
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Postby MemberSince99 » Mon Aug 18, 2014 9:08 am

You know, I'm thinking there simply has to be more data breaches and/or employee fraud than we are made aware of. If your card is only used for those things, they had to get the info somehow, and it had to be from one of those three places you use it.


That's why I hesitate to save my credit card and/or checking account info online with these places - fear they will be hacked. I'd rather take the time to re-enter the info every time I pay than risk fraud. Especially with my student loans I can't pay via credit card only with my checking account - I NEVER save that info on their site I re-enter it every time. Seems like a pain but I'd rather be safe than sorry.


And with corporate America sending their operations off to all these third world countries that hate us to take advantage of slave wages, I feel even less cool with the concept to be honest.

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djrez4
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Postby djrez4 » Mon Aug 18, 2014 9:14 am

MemberSince99 wrote:If your card is only used for those things, they had to get the info somehow, and it had to be from one of those three places you use it.


Or, the custodial staff broke into my desk.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]



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