- Platinum Member
- Posts: 94
- Joined: Thu Feb 06, 2014 11:01 am
- Location: TX
I have a few interesting stories. The first two happened recently, within a couple weeks of each other.
1. Chase called me to say my card number was used (unsuccessfully) to try to charge four different small amounts (tests) at an online site in another country. I assumed they denied them based on some specific fingerprint like several small transactions, foreign transactions or something like that. The Chase fraud agent that called me said no, they denied them because all of the attempts had the wrong expiration date.
I had only had my Chase card a few months, so its not like they had a previous card's information. My suspicion is someone had randomly generated my card's number and was trying it against someone's online authorization system with various expiration dates trying to figure out the right one. Chase overnighted me a new card.
2. AmEx called to say someone had used my BCP card number at a chain grocery store three states away. Now realize that I travel continuously. My wife and I live in an RV full time and have no fixed home address, so I rack up charges (especially fuel and groceries) on the BCP sometimes in three different states in a day. How they flagged this one was interesting, though they didn't explain how or why.
They asked if I had any ideas where my information might have been compromised. The only thought I had that I gave them, but probably will never know if anything will come of it is that I frequently fill up my truck at a gas station from the same grocery chain and that one of the pumps I used a couple times would return a card read error if I inserted my card one direction but read it fine the other direction (the graphic on the pump indicates you can insert your card in either orientation). This might point to a possible card skimmer installed on the pump from an insider that may be sharing information within the grocery store chain. Who knows.
3. This was a couple years ago. We were just getting done with our "get out of debt" plan and were out shopping for a new washer and dryer at a well-known big box home improvement store. At the time, I only had one credit card with a large enough limit to pay for the W/D, but we had just that morning sent a payoff for the card and it had not cleared yet. We had the money in the bank, so I just paid for the appliances with my debit card (around $2,000 total).
A few days later, the delivery crew arrived with our dryer and were curious why we would order hoses for a washer if we didn't order a washer. I indicated that we had ordered both a washer and a dryer. While the delivery person stood there, I called the store. They indicated that their records indicated that someone had come in (they claimed my wife) and cancelled the order for the washer and they refunded her the amount in cash.
We declined the dryer delivery and drove down to the store to straighten it out. We found out that their rule is that they will tender a refund in cash for anything bought on a debit card up to $1,000 (the washer was about $990 with tax), but will mail a check out for anything over that. Someone had to know that 1. we paid with a debit card (we didn't advertise the fact at time of payment) and, 2. that the chain offered a refund in cash under $1,000.
The chain store corrected everything, we got a new debit card from the bank just in case and we got our washer and dryer a week later than originally planned (the old ones were still running, so no loss there). Never heard back on any investigations. We're almost 100% sure it was an inside job, or at least someone inside gave information to someone outside to allow them to come in with appropriate information (they had to have a copy of the paperwork that we had in our possession the whole time) to actually get a refund.
AmEx - Platinum (NPSL) , Blue Cash Preferred ($19,000), Gold Delta Skymiles ($8,500)
Chase - Sapphire Preferred ($14,000), Disney ($11,500), Amazon.com ($9,000), Freedom ($8,000)
CapOne - QuickSilver ($7,250) / Platinum Rewards ($7,250)