Instant Fraud Text Message

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
8 posts
im_mr_awesome
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Instant Fraud Text Message

Postby im_mr_awesome » Sat Jun 22, 2013 12:21 am

I went to Hardee's with some friends and I paid. It came to around $20, and the moment the cashier swiped, my phone buzzed with a text from Citi's fraud department. I was amazed at how fast it was, and how simple it was to allow the charge to go through. I just replied yes or 1 (don't remember) and poof, no more fraud concerns.

I was a little annoyed they thought there was fraud when I eat a lot of fast food, and I work in the city I bought it in. Oh well. Citi seems VERY intent on catching fraud!
Scores on the mend...
FICO: 650 (Discover/TU, 6/23/2016)
Cards I Use Citi Double Cash, Chase Amazon, Capital One QuickSilver
Sock Drawer Discover IT, Citi Diamond Preferred, AE Visa, QuickSilver One, Walmart CC, CareCredit, CreditOne (keeping for history for now)
Short Goal Reach 680


Gamma
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Postby Gamma » Sat Jun 22, 2013 1:11 am

Ya I hear you. Recently, while I was sleeping, I got an email alert on my phone, then I have some 800 number calling my house phone. I ignored the call and then I get a phone call from my bro telling me his purchase was declined when he tried using Amex in grocery store. While on phone with him, I was getting an incoming call from my cell phone that same 800 number that called my house. I immediately assumed that was Amex, and it was! Once I cleared that, I checked my emails and ya, you guessed it. It was a fraud alert from Amex. Amazing how fast they respond.

rockyrock
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Postby rockyrock » Sat Jun 22, 2013 9:04 am

I like the text idea. I've gotten email's in the past which I get on my phone too but I usually don't pay attention to email as much as a text. Being able to respond right away is nice too.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
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MemberSince99
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Postby MemberSince99 » Sat Jun 22, 2013 5:35 pm

It's a mixed bag. I imagine it's hard to know where to draw the line. They all do it differently.

I fully understand trying to protect themselves, they should. They just have to balance preventing theft with allowing you to actually use it and thus make money.

It's really a tough thing.

GoCreditGo!
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Postby GoCreditGo! » Sun Nov 10, 2013 12:21 am

This is a good feature. Maybe AMEX should implement this in certain cards... All transactions require you responding to the text message either with the amount of the charge or authorizing it some how.

MemberSince99
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Postby MemberSince99 » Sun Nov 10, 2013 3:49 pm

GoCreditGo! wrote:This is a good feature. Maybe AMEX should implement this in certain cards... All transactions require you responding to the text message either with the amount of the charge or authorizing it some how.


That would start to make it enough of a PITA that I'd consider alternatives. That way you would ALWAYS have to have your cell phone with you and ALWAYS be able to get service where you use it and if the text message doesn't come through or the confirmation doesn't get returned, you just set off your fraud alert for the card and it's locked and yadda yadda yadda I would truly hate that.

If we just used better security in the first place we would have less to worry about but they don't want to do that for fear of killing swipes and also the cost involved I would guess - apparently it's cheaper to have a little fraud go through than to fix the holes in the system.

KimNY
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Postby KimNY » Sun Nov 10, 2013 4:44 pm

This reminds me of the time my chase debit card was dinged for a $1.00 charge. Ok ok it was a few in a row.. I had an issue with candy crush... True story. But on a more serious note I was prevented from buying groceries in Florida. The bill was around 500.00 and I was called within seconds. In fact the register lady didn't even finished saying De..coined, and my phone rang. I now tell them when I'm out of state and I placed an alert for any transactions done without the card present. I get an email. It goes through unless I dispute from the email. I also get a weekly snapshot emails every Friday. The snap shot keeps me in check.
Kim
EQ 9/2013 610; 5/2014 732
TU 9/2013 577; 5/2014 799
EX 9/2013 610; 5/2014 742

CURRENT CARDS:
Amex Green Card member since 4/2012
Cap One limit 300 starter card was orchard bank now Cap One (5/2011)
Cap One limit 1820 starter card (4/2011)
Best Buy limit 300 starter card was HSCB then Cap one, now Citi.(11/2011)
Banana Republic (GEMB) limit 1100 (5/2011)
Care Credit (GECRB) limit 8900 (7/2012)
Amex Delta Sky Miles limit 2500 (11/2013)
Chase Freedom 4500 (5/2014)

KimNY
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Postby KimNY » Sun Nov 10, 2013 4:47 pm

Sorry forgot to mention the grocery store event and snap shot stuff was with my Amex card.
EQ 9/2013 610; 5/2014 732
TU 9/2013 577; 5/2014 799
EX 9/2013 610; 5/2014 742

CURRENT CARDS:
Amex Green Card member since 4/2012
Cap One limit 300 starter card was orchard bank now Cap One (5/2011)
Cap One limit 1820 starter card (4/2011)
Best Buy limit 300 starter card was HSCB then Cap one, now Citi.(11/2011)
Banana Republic (GEMB) limit 1100 (5/2011)
Care Credit (GECRB) limit 8900 (7/2012)
Amex Delta Sky Miles limit 2500 (11/2013)
Chase Freedom 4500 (5/2014)



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