:mad: Fraudulent Charge :mad:

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
cashnocredit
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Location: San Diego

Postby cashnocredit » Tue Oct 16, 2012 6:36 pm

I've been through this before with a larger charge. As for spending patterns, they tend to let "card present" transaction go through so this was almost certainly a cloned card if not just some sort of error. Safest thing to do is cancel and get a new card (ATM only is a great idea). Don't worry. They are pretty good about handling these. I also caugh mine just a few hours after authorization and still had to wait for it to post. They canceled and shipped me a new card quickly though. At the time I only had one debit card and no CCs so I was stuck for a bit.



Makes you really ticked at the fraudsters that do this.


kcarter609
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Location: VA

Postby kcarter609 » Tue Oct 16, 2012 8:34 pm

The Branch Manager told me "Well, in relation to your account balances, the amount charged really isn't much at all, and that's why it didn't get flagged". It is what it is, they'll take care of it. I have ATM only cards now and a couple CC's.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

MOC
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Location: NC

Postby MOC » Sat Oct 20, 2012 4:39 am

You should use credit cards for the most protection. Debit cards do not offer the same protection legally that credit cards do. As far as them detecting fraudulent charges, it is completely up to the bank. Chase is very overprotective. Every time I go on a trip, I get a phone call. If I go to a store I do not normally go to, then I get a phone call. Since I had previous fraudulent charges quickly detected, I do not mind this. My other cards from Barclays and Amex do not seem to question any transactions, but I know Amex uses really advanced algorithms so they may be better at predicting where I am going. Barclays is probably too busy running Interbank rate scams to care about fraud.

kcarter609
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Sat Oct 20, 2012 7:45 am

I have ATM only cards now and will only use regular Credit Cards from now on. The bank flagged the transactions as fraud so they are being investigated. I'll keep everyone posted.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

DavidNY
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Location: New York

Postby DavidNY » Sat Oct 20, 2012 7:25 pm

moc wrote:barclays is probably too busy running interbank rate scams to care about fraud.


That could be.

kcarter609
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Thu Jan 24, 2013 10:28 pm

Ok, so they hit their 90 day mark and just sent me a letter saying the temporary credits they gave me will be made permanent, so they ruled in my favor as expected.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

Gamma
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Location: Los Angeles, CA

Postby Gamma » Thu Jan 24, 2013 11:20 pm

Wow they needed all 90 days to rule in your favor? What bank is this? Grats btw.

kcarter609
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Fri Jan 25, 2013 7:51 am

Gamma wrote:Wow they needed all 90 days to rule in your favor? What bank is this? Grats btw.


They gave me a temporary credit within 3-5 business days for the amounts that were fraud, then took the full 90 to make it all permanent. It's PNC Bank, one of the best.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

TheLethargicAge
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Posts: 322
Joined: Tue Oct 16, 2012 11:20 pm
Location: Miami, Cuba

Postby TheLethargicAge » Fri Jan 25, 2013 1:27 pm

I'd still take my money to Chase. I've had numerous fraudulent transactions on my business debit card (we narrowed it down to one of our online suppliers whose database kept getting hacked), and they always credit the full amount back to my account the second the transaction posts.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

kcarter609
Centurion Member
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Fri Jan 25, 2013 6:33 pm

TheLethargicAge wrote:I'd still take my money to Chase. I've had numerous fraudulent transactions on my business debit card (we narrowed it down to one of our online suppliers whose database kept getting hacked), and they always credit the full amount back to my account the second the transaction posts.


I may be moving out of state and they don't have Chase branches there. Chase also requires you have a lot more money to get the same features as PNC. I've never had a problem with PNC either, and the branches are awesome. Chase needs to give me a reason to switch.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)



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