Kudos to Chase Fraud Dept! (I'm still a bit freaked out though)

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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Robrus1
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Kudos to Chase Fraud Dept! (I'm still a bit freaked out though)

Postby Robrus1 » Wed Mar 27, 2013 9:43 am

I must applaud Chase's fraud department, although I am completely amazed at the fact that someone managed to get my cc# for my CSP. I just got a text msg from Chase asking me if I spent $750 at a discount department store. Press 1 for yes, 2 for no. I press 2 and immediately get a phone call asking me if I have spent approx $1500 this morning in CA at some auto shop and a discount store. Completely blown away, I replied "no," and explained that we are both in Texas, and she said that they'd cancel my current card, (and my AU's), and send us new cards which we should have by tomorrow. I checked with my AU to make sure she hadn't bought anything online or anywhere else for those amounts and she said she hasn't used the card in several weeks, and she verified that she has her physical card. I advised the fraud department that it was neither me nor my AU, and we both have posession of our physical cards.

The fraud dept advised me that someone used a physical card to make these unauthorized purchases, and it is possible that they could've manufactured one after obtaining my cc#. I am blown away and completely amazed that this happened. We haven't bought anything from shady websites, I usually just pay my utilities with it. (as far as online activity) Anyway, that was a good catch by them and I'm glad they have my back. I asked the fraud rep if I was going to be liable for any of these charges and she replied, "no." It's currently being investigated and I'm eager to hear what they have to say about all of this. I just can't understand how this is even possible. Someone out there is a damn smart criminal. Had this been a debit card, I'd have been done for. Way to go, Chase!
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AMEXPlatino86
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Postby AMEXPlatino86 » Wed Mar 27, 2013 2:55 pm

Wow and i had just look this up on YouTube about the different types of credit card fraud. Typically they use the RFID scanners to get your information and then they have the machines to print the cards and are able to create a replica. Good for Chase for being able to catch it before they were able to do more damage.
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Moneytalks
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Postby Moneytalks » Wed Mar 27, 2013 8:23 pm

AMEXPlatino86 wrote:Wow and i had just look this up on YouTube about the different types of credit card fraud. Typically they use the RFID scanners to get your information and then they have the machines to print the cards and are able to create a replica. Good for Chase for being able to catch it before they were able to do more damage.


Did you see the movie "Identity Theft"? She had a machine that could make a card as long as she had the info. (Not sure if that's Hollywood though)
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Sevenfeet
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Postby Sevenfeet » Thu Mar 28, 2013 7:45 am

That's not Hollywood. Those machines are portable and not that expensive.
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Robrus1
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Postby Robrus1 » Thu Mar 28, 2013 8:16 am

Sevenfeet wrote:That's not Hollywood. Those machines are portable and not that expensive.


This is true. I've found that one could buy one of those machines for about $400. I'm surprised that you can buy one, and I'm surprised that they're so inexpensive.
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AMEXPlatino86
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Postby AMEXPlatino86 » Thu Mar 28, 2013 9:18 am

Moneytalks wrote:Did you see the movie "Identity Theft"? She had a machine that could make a card as long as she had the info. (Not sure if that's Hollywood though)


Believe me I wish that was Hollywood but you can do that in real life. They said even the scanners are cheap to get. And all you have to do is walk by for a couple of seconds and BAM they have you information.
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MemberSince99
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Postby MemberSince99 » Thu Mar 28, 2013 5:55 pm

I'm normally no big fan of instrusivness into our lives, but in this case, they really ought to crack down on this kind of thing. I mean LONG stretches in a hardcore Federal prison for a first offense (the kind of prison where they ask you to squeal like a pig), and we need to put prevention tools into place to prevent this kind of thing. They do this in Europe and we could too but the business lobby doesn't want to do anything that might make consumers reluctant to pull out their plastic. I think that's kind of short sighted thinking personally.

Sevenfeet
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Postby Sevenfeet » Thu Mar 28, 2013 6:10 pm

I think the industry is thinking more on the prevention side (EMV).
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Moneytalks
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Postby Moneytalks » Thu Mar 28, 2013 8:59 pm

Sevenfeet wrote:I think the industry is thinking more on the prevention side (EMV).


Yes, but after how many years though??!!
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Postby Sevenfeet » Thu Apr 11, 2013 4:16 pm

Well it looks like Chase Fraud Control is at it again. My wife got an email from Chase earlier today saying that someone in Houston had tried to charge over $1500 at a children's clothing store yesterday. We have kids, but we don't live in Texas and Chase smelled a rat. Our Freedom cards have been shut down and new ones should be in our hands by tomorrow. This charge was already declined by Chase at the point of sale so it didn't show up in the list of transactions on their web site or downloaded in Quicken.

My wife now wants to know how this is possible. Sadly since I work in enterprise IT, I know a lot of ways it could have happened. Since Chase card numbers are the same for owners and AUs (something Amex doesn't do), it's impossible to know if it was my card or my wife's that was stolen. One thing for sure is that it is likely that the card was swiped somewhere at a place where we did buy something legitimate and found its way to a fraudster in Houston.

Thanks Chase for looking at for us. EMV card technology cannot come fast enough.
Cards:

American Express Platinum (NPSL)

Penfed Platinum Reward Visa ($28K)

Chase Freedom Visa ($25K)

Fidelity American Express ($20K)

American Express Blue Cash Preferred ($20K)

Bank of America Cash Rewards MasterCard ($20K)

Citi Thank You Preferred Visa ($9.5K)

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