Any ideas re what's going with this fraud?

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Diogenes99
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Any ideas re what's going with this fraud?

Postby Diogenes99 » Wed Apr 05, 2017 6:47 pm

On my VISA card, processed by Elan Financial, I've had 2 rounds of fraudulent charges. The first was several months ago in a western state where I was vacationing for a while. The second round of fraudulant charges has some very interesting (I think, anyway) characteristics.

I was traveling from the West coast back to the east, and I'd notified Elan of my travel plans, but I forgot to include NY. When I got to NY, I tried to use the card at a Marriott hotel, and it was declined--I am guessing that the reason was that I had not specifically mentioned New York.

After the card was rejected (I guess properly so, since I had not said I'd be in NY), I then started getting email notifications of the charges on the card, which were of course fraudulent. (I'd signed up for these notivations months ago.) All were dated the same day that the card had been rejected.

Now, here's something really interesting: one of the charges noted in an email was from the Marriott. And for $170 rather than the $140 the hotel charged me. If the card was rejected at the Marriott by Elan, how did that charge get back to Elan?

The company doing the processing is Elan Financial.

Anyone have any thoughts or conjectures on this?


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kcm7
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Re: Any ideas re what's going with this fraud?

Postby kcm7 » Fri Apr 07, 2017 9:53 am

I'm honestly not sure why the amount would be different. But it's not surprising that you'd be notified of a rejected charge. After all, it was Elan that rejected it. I have alerts set up too, and, whenever my card is declined, I get messages about those attempted charges. Or maybe I'm not reading your post correctly ...

That different amount is weird though. Are you sure the total charge you tried to make was for $140? Or did the front desk person say, "It's $140 a night" but then the whole charge would have included local taxes (bringing it up to $170)?
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

Diogenes99
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Re: Any ideas re what's going with this fraud?

Postby Diogenes99 » Fri Apr 07, 2017 12:04 pm

kcm7 wrote:I'm honestly not sure why the amount would be different. But it's not surprising that you'd be notified of a rejected charge. After all, it was Elan that rejected it. I have alerts set up too, and, whenever my card is declined, I get messages about those attempted charges. Or maybe I'm not reading your post correctly ...

That different amount is weird though. Are you sure the total charge you tried to make was for $140? Or did the front desk person say, "It's $140 a night" but then the whole charge would have included local taxes (bringing it up to $170)?


-----------------
1. I did NOT get an email that the charge was rejected! Rather, I got an email saying that my card had been CHARGED!!!

2. The rate I was quoted, and which I was eventually charged, was $140.

IOW....it looks to me like there is something very wrong with the way this processor's software works.

I know also that when I email the processor, using the email facility available when I sign in, I may or may not get a response, not even an acknowledgement! Bottom line: I will soon be using a different card, one not associated in any way with this processor or bank.

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CarefulBuilder14
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Re: Any ideas re what's going with this fraud?

Postby CarefulBuilder14 » Fri Apr 07, 2017 2:34 pm

kcm7 wrote:I'm honestly not sure why the amount would be different. But it's not surprising that you'd be notified of a rejected charge. After all, it was Elan that rejected it. I have alerts set up too, and, whenever my card is declined, I get messages about those attempted charges. Or maybe I'm not reading your post correctly ...

That different amount is weird though. Are you sure the total charge you tried to make was for $140? Or did the front desk person say, "It's $140 a night" but then the whole charge would have included local taxes (bringing it up to $170)?

$140 vs. $170 could possibly be explained by taxes, a parking fee, or a security deposit.

Did the fraudulent purchases begin before or after you tried to use it at the Marriott? Maybe some waiter or card terminal stole the info?
Warranties and sketchy merchants: Schwab Platinum
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Perks: IHG, Hyatt
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kcm7
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Re: Any ideas re what's going with this fraud?

Postby kcm7 » Fri Apr 07, 2017 4:33 pm

Diogenes99 wrote:
-----------------
1. I did NOT get an email that the charge was rejected! Rather, I got an email saying that my card had been CHARGED!!!

2. The rate I was quoted, and which I was eventually charged, was $140.

IOW....it looks to me like there is something very wrong with the way this processor's software works.

I know also that when I email the processor, using the email facility available when I sign in, I may or may not get a response, not even an acknowledgement! Bottom line: I will soon be using a different card, one not associated in any way with this processor or bank.


Got it. Unsure what's going on here, although Careful Builder has some good questions below.

FWIW, Elan has a pretty bad reputation.
Cards:

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)
-IHG

Diogenes99
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Re: Any ideas re what's going with this fraud?

Postby Diogenes99 » Fri Apr 07, 2017 5:20 pm

CarefulBuilder14 wrote:
kcm7 wrote:I'm honestly not sure why the amount would be different. But it's not surprising that you'd be notified of a rejected charge. After all, it was Elan that rejected it. I have alerts set up too, and, whenever my card is declined, I get messages about those attempted charges. Or maybe I'm not reading your post correctly ...

That different amount is weird though. Are you sure the total charge you tried to make was for $140? Or did the front desk person say, "It's $140 a night" but then the whole charge would have included local taxes (bringing it up to $170)?

$140 vs. $170 could possibly be explained by taxes, a parking fee, or a security deposit.

Did the fraudulent purchases begin before or after you tried to use it at the Marriott? Maybe some waiter or card terminal stole the info?


The only place I used the card that day was at the front desk when I checked in, and afaik it was after that that the other, bogus, charges began appearing.

That raises an obvious question: could it be that somehow, someone was gaining info from the equipment at the desk?

Another possibility is that there is something about the software at the card processor that;s off, somehow.

Clearly, there is something very wrong with Elan's software, in that it (a) did not send me an email about the card being rejected, yet (b) DID send me an email that the charge had been accepted!



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