Chase Freedom Card Stolen

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obxfisherman
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Chase Freedom Card Stolen

Postby obxfisherman » Mon Jun 29, 2015 8:34 am

So here is an interesting one for you. I wake up to an alert from Chase in my email for my freedom card. This card has never been physically swiped anywhere or used online anywhere. The only thing this card was used was for a balance transfer back in February, which was paid off shortly thereafter. I tried to quiz the customer service rep regarding how my number was accessed and he said there is various way they can get the number....but if i haven't used it and if the card itself is locked in a bank vault how did they get the number?

It was only a $25 charge in California but it doesn't make sense to me how they got a hold of it.

Just curious what others thoughts are on the subject...perhaps you have had similar experiences?
Cards Currently In My Wallet(See Avatar)
Chase Marriott Rewards Visa Signature (Daily Purchase): 13.4K
NFCU Visa SignatureCash Rewards: 5K
Sheetz Discount Card 3c Off PerGallon Of Gas Everyday

Total Credit Card Limits Roughly: 61.5K


Vermonster
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Re: Chase Freedom Card Stolen

Postby Vermonster » Mon Jun 29, 2015 8:49 am

So from what I hear there are a few ways to buy "stolen" credit card numbers on the black market. The cheapest is in a batch of computer generated numbers. This is the cheapest way because the possibility of having a working number is low. You might get a few zip codes that go with the numbers and can process it as a phone order in giant batches. As you buy more info the price of the card numbers goes up, but so does the chance of getting a good card.

In reality the only thing protecting your credit card is the odds against being able to guess the right number with the right security code and the right zip code. So it's safe to assume that every once and a while someone will get lucky.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

takeshi
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Re: Chase Freedom Card Stolen

Postby takeshi » Mon Jun 29, 2015 8:54 am

obxfisherman wrote:perhaps you have had similar experiences?

Yup. They don't need physical access to the card. However, in some cases they don't have the expiration date and/or CSC and that's how fraudulent transactions are sometimes caught.

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lobbythis
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Re: Chase Freedom Card Stolen

Postby lobbythis » Mon Jun 29, 2015 10:20 am

Recurring theme with Chase. 2 card numbers stolen earlier this year and someone else on the forum said the same a few months ago.

Gamma
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Re: Chase Freedom Card Stolen

Postby Gamma » Mon Jun 29, 2015 10:39 am

There's a big post in Fatwallet about a huge spike in fraudulent transactions appearing in Chase accounts. I myself got a fraudulent charge from Brazil about a month ago on my Ink card. Many people believe it might have been a hack from Chase system.

Kevin86475391
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Re: Chase Freedom Card Stolen

Postby Kevin86475391 » Fri Jul 10, 2015 7:46 pm

Something very similar happened to me a couple of years ago with a Chase Slate card. I pretty much exclusively use rewards card (that card has since been converted to a Freedom), but since the Slate was 0% balance transfer fee and APR I went ahead and got it, but never used it for even a single transaction other than the initial balance transfer and never physically carried the card with me. Nevertheless the number was somehow 'stolen' and used for fraudulent charges. They refunded everything and sent me a new card of course - so no personal harm done - but it was definitely a head scratcher at the time.



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