What's Going on Here? Strange email about card transaction

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What's Going on Here? Strange email about card transaction

Postby donnyb » Wed Jan 28, 2015 12:52 pm

Hey all. So I got one of those "no reply" emails today stating that a transaction had been made to a Canadian college I had never applied to in the amount of $460 CAD. It seems legit since it doesn't ask me to "verify" passwords or any other vital information, but the last 4 digits of the Visa card it gave do not belong to any account I have open (which is one).

When I opened the email, I immediately called my bank to check my balance, which was of course where it should be - I didn't notice the credit card number disparity until a little later, after I had fully woken up. I called the college in question and they are currently looking into it. I got a copy of my credit report and saw nothing out of the ordinary. I placed a 90 day fraud alert on my credit file through Transunion. I even called Visa, who requested I file a police report and then get in contact with the FTC but could not tell me if they had even issued the credit card in question to my name. What would I tell the police? Someone used my email address while making an online transaction? I don't have enough information on this, and I don't know how to get more since these call center operators are unwilling/unable to help.

I'm very confused and frustrated right now. It seems, based on my credit report, that there is no fraud going on here and that A, the original email is fake or B, someone is using my email address fraudulently, or C, someone mistyped their email address and put mine in instead (unlikely since my email address is pretty unique). None of those make sense to me since the email appeared to be a benign transaction receipt and why would someone use my email address to make a transaction? What would they have to gain over using their own or making a new one? I don't get it, and I'm more than a little nervous that I am missing something here.

What should I do at this point? I've thankfully never been the victim of identity theft, and I would very much like to keep it that way. Does anyone know why someone might want to use my email address to make a purchase? I'd appreciate any input on this. Just as a point of reference, here is a copy of the transaction receipt:

This is the receipt for your payment at College of the North Atlantic.
Order Information

Total Amount: CAD 460.00
This order is now complete. Transaction approved!

Here is your receipt:

=========== TRANSACTION RECORD ==========

TYPE: Purchase

ACCT: Visa $ 460.00 CAD

CARD NUMBER : ############(Keeping this blank)
DATE/TIME : 27 Jan 15 22:17:10
REFERENCE # : (Keeping this blank)
AUTHOR. # : (Keeping this blank)

Approved - Thank You 000

Please retain this copy for your records.

Cardholder will pay above amount to card
issuer pursuant to cardholder agreement.

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Postby Gamma » Wed Jan 28, 2015 4:41 pm

I believe it's some sort of spam. I'd just ignore it seeing how no charge was made on any of your cards and no personal information of yours is in the email.

Brad Bishop
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Postby Brad Bishop » Thu Jan 29, 2015 4:42 am

If they actually had your card number in the email then call your bank, stop using the card, and let your bank know about the fraud. That way the bank can send you a new card and can reject any future purchases against the account.

If there's no personal information in it then just ignore it. Definitely don't click on any links in the email or any photos.

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Postby samhradh » Sun Feb 01, 2015 9:33 am

I also think it's just spam.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

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