Unknown fraudulent charge--skimmer?

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Flagcitizen93
 
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Unknown fraudulent charge--skimmer?

Postby Flagcitizen93 » Mon Oct 24, 2016 3:07 pm

A little awhile ago the bank alerted me to about $300 pending fraudulent charges and $800 in declined fraudulent charges (the bank recognized it as suspicious and declined it). All charged this morning. The card has been canceled and it has all been taken care of with the bank, but I am curious about one of the charges. The bulk of it was for online clothing, but the first one was a 41 cent charge under the merchant name "Pools". The Chase specialist I talked to didn't know what that was, but I thought it might be some kind of skimmer set up? Tried to look Pools up on Google-- didn't help. Right before the fraudulent charges I bought something using the same credit card at Starbucks.


mountaindewvoltage
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Re: Unknown fraudulent charge--skimmer?

Postby mountaindewvoltage » Tue Oct 25, 2016 8:57 am

Flagcitizen93 wrote:A little awhile ago the bank alerted me to about $300 pending fraudulent charges and $800 in declined fraudulent charges (the bank recognized it as suspicious and declined it). All charged this morning. The card has been canceled and it has all been taken care of with the bank, but I am curious about one of the charges. The bulk of it was for online clothing, but the first one was a 41 cent charge under the merchant name "Pools". The Chase specialist I talked to didn't know what that was, but I thought it might be some kind of skimmer set up? Tried to look Pools up on Google-- didn't help. Right before the fraudulent charges I bought something using the same credit card at Starbucks.


The majority of Americans don't care about using chip or tap like the rest of the world, or having enhanced online security like Europe, so everyone has to suffer. We're content on being different than the rest of the more successful world in everything. People here complain about doing things the right way.

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kcm7
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Re: Unknown fraudulent charge--skimmer?

Postby kcm7 » Tue Oct 25, 2016 9:16 am

Maybe a website you shopped at got hacked? That little charge was probably a test charge the thief made right after they got your card info.
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CarefulBuilder14
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Re: Unknown fraudulent charge--skimmer?

Postby CarefulBuilder14 » Tue Oct 25, 2016 9:53 am

Flagcitizen93 wrote:A little awhile ago the bank alerted me to about $300 pending fraudulent charges and $800 in declined fraudulent charges (the bank recognized it as suspicious and declined it). All charged this morning. The card has been canceled and it has all been taken care of with the bank, but I am curious about one of the charges. The bulk of it was for online clothing, but the first one was a 41 cent charge under the merchant name "Pools". The Chase specialist I talked to didn't know what that was, but I thought it might be some kind of skimmer set up? Tried to look Pools up on Google-- didn't help. Right before the fraudulent charges I bought something using the same credit card at Starbucks.

You may have just gotten a lazy CSR. He or she might have been able to give you some more information about the merchant "Pools".
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

mountaindewvoltage
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Re: Unknown fraudulent charge--skimmer?

Postby mountaindewvoltage » Tue Oct 25, 2016 10:44 am

kcm7 wrote:Maybe a website you shopped at got hacked? That little charge was probably a test charge the thief made right after they got your card info.


I think there's a higher chance of a credit card being skimmed at a POS terminal and then used online.

You are correct and I agree about the test charge, though. A test charge was probably used with a cloned card first.

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CarefulBuilder14
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Re: Unknown fraudulent charge--skimmer?

Postby CarefulBuilder14 » Tue Oct 25, 2016 10:53 am

mountaindewvoltage wrote:
kcm7 wrote:Maybe a website you shopped at got hacked? That little charge was probably a test charge the thief made right after they got your card info.


I think there's a higher chance of a credit card being skimmed at a POS terminal and then used online.

You are correct and I agree about the test charge, though. A test charge was probably used with a cloned card first.

It's not evident to me from OP's post that any card (real or cloned) was necessarily present for the "Pools" charge. Hopefully OP can clarify.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

Flagcitizen93
 
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Re: Unknown fraudulent charge--skimmer?

Postby Flagcitizen93 » Tue Oct 25, 2016 11:27 am

CarefulBuilder14 wrote:
mountaindewvoltage wrote:
kcm7 wrote:Maybe a website you shopped at got hacked? That little charge was probably a test charge the thief made right after they got your card info.


I think there's a higher chance of a credit card being skimmed at a POS terminal and then used online.

You are correct and I agree about the test charge, though. A test charge was probably used with a cloned card first.

It's not evident to me from OP's post that any card (real or cloned) was necessarily present for the "Pools" charge. Hopefully OP can clarify.


Thanks for the comment about the test charge. That's what I thought as well I just didn't have the words for it. The Pools purchase was made while the real card was with me, so it was either a cloned card or perhaps just the card info.



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