My Second Experience with Fraud

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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Vattené
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My Second Experience with Fraud

Postby Vattené » Tue Nov 24, 2015 2:42 pm

My Discover account got stolen a few weeks ago. The thief got away with nearly $250 about 650 miles away. He or she just started swiping transactions a few minutes apart and all under $75 until he or she got to Shell and Discover required my approval before letting anything else go through. Discover says the card was physically swiped and mine was in my possession, so my best guess is it got cloned somewhere...no telling where.

I was pretty happy with how Discover handled it. I was at work while it happened, and got both a text message and email alerting me to suspicious activity. I just had to text back that the Shell transaction was not authorized by me, and the account was frozen until I got a chance to call in to the fraud department. It seems like it took forever for my new cards to get to me, but that's a minor quibble. They were also sent in the standard blue design, so I'll probably be requesting new designs sooner or later.

It makes me glad I have other options, though. And that I no longer default to using a debit card for everything!
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now


patrickdawson591
 
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Re: My Second Experience with Fraud

Postby patrickdawson591 » Mon Nov 30, 2015 6:18 pm

Sounds very familiar what happen to me last week but i used my card online for some shopping after that i got some suspicious activity with my credit card even though it was not porn site but thanks to God i was alerted by my bank. thanks for sharing this incident.

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lobbythis
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Re: My Second Experience with Fraud

Postby lobbythis » Tue Dec 01, 2015 1:33 am

Scammers seem to be cloning with ease. Glad Discover took care of you. Been scammed twice this year with Chase, but that's it. All other cards holding strong and I buy everything online.

Vermonster
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Re: My Second Experience with Fraud

Postby Vermonster » Tue Dec 01, 2015 11:30 am

Seems like cloning is going to be the norm going forward. My mom just had her Amazon card cloned. It is only attached to Amazon and never leaves the desk in the house. The thief used it to buy gas in the midwest. I'm assuming they just got lucky with the card numbers.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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Vattené
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Re: My Second Experience with Fraud

Postby Vattené » Tue Dec 01, 2015 4:03 pm

I don't buy a ton online, but it does get used online. In person I'm still swiping more often than not because - at least where I am - very few merchants are actually using chip readers. Chip cards may be in heavy circulation now, but since the technology isn't being used there is still a ton of opportunity out there for thieves.
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

augiedog
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Re: My Second Experience with Fraud

Postby augiedog » Tue Dec 01, 2015 6:56 pm

I've never seen a fraudulent charge on my accounts. Bank of America and Discover has reissued cards to me on a few occasions due to data breaches like those of Target and Home Depot.

My Amex BCE has never had anything of the sorts and I use it 90% of the time, and has been at many gas stations. Now I have been more cautious about swiping the card and have asked for a dual chip card so I can just tap it at places that accept contactless payments, especially since I have a vanity number I would hate to change (a card number that ends in 1000 - I quite like it).
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

JackLane
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Re: My Second Experience with Fraud

Postby JackLane » Thu Dec 17, 2015 4:21 pm

Is there any setting on Discover's website to get you a SMS or something to approve any transaction? I have never gotten such SMS or email.
Chase Freedom 04/2012. $6500 | Costco Citi 10/2012 $8100 | AmEx BlueCash 06/2015, $15000 |Discover It 07/2015, $5200 |Amazon Store Prime 01/2016 $2200
Local Credit Union secured card, 12/2009 - Closed 02/2015
Tu-764, Ex-764

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Vattené
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Re: My Second Experience with Fraud

Postby Vattené » Thu Dec 17, 2015 6:02 pm

JackLane wrote:Is there any setting on Discover's website to get you a SMS or something to approve any transaction? I have never gotten such SMS or email.

I do not believe so. I think it just happens if they catch a particularly suspect charge. You can set SMS alerts for every transaction over an amount you set, though.
-Vattené
FICO-8:
EX - 805 (2/17) | TU - 787 (2/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

JackLane
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Location: NYC

Re: My Second Experience with Fraud

Postby JackLane » Sat Dec 19, 2015 7:12 am

Vattené wrote:
JackLane wrote:Is there any setting on Discover's website to get you a SMS or something to approve any transaction? I have never gotten such SMS or email.

I do not believe so. I think it just happens if they catch a particularly suspect charge. You can set SMS alerts for every transaction over an amount you set, though.

That I have switched on, email instead of text.
Chase Freedom 04/2012. $6500 | Costco Citi 10/2012 $8100 | AmEx BlueCash 06/2015, $15000 |Discover It 07/2015, $5200 |Amazon Store Prime 01/2016 $2200
Local Credit Union secured card, 12/2009 - Closed 02/2015
Tu-764, Ex-764

mdawg
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Re: My Second Experience with Fraud

Postby mdawg » Thu Feb 04, 2016 1:51 pm

$250. is peanuts. Luckily it stopped there.



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