Help gal out, had my first fraudulent charge

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
7 posts
cljnco
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Help gal out, had my first fraudulent charge

Postby cljnco » Tue Oct 08, 2013 8:21 pm

Was hoping ya'll could help me with some concerns. I am a bit disturbed.

I have had my Discover card for about 6 years now and used it on and off as my primary card. When Im not using it, It is locked in a safe. This morning 10/8 I log into my card that I had payed off about a month ago nice flashy $0 balance, and low and behold there was a charge dated 10/05 for Plane tickets through Expedia for Jet Blue to Salt Lake City UT for $158. Amusingly enough Never been to Utah and have an issues with flying, haven't been on a flight since I was 5 years old.

I can't figure out how anyone got my card. The few times I go to restaurants I pay cash. The card never leaves my hands or purse.

I called discover and they said as long as they can verify the charges weren't mine, I won't be liable for any and they are issuing me a new card. This is the first time I have ever dealt with fraud charges on a CC. They scared me bit with the "as long as they can verify the charges weren't mine" Part. How do they do this? Is the statement something to worry about or am I just worrying over nothing?

I was gonna file a police report, But they neutered my account as soon as I reported the charges, Now I don't have access to the statement that shows the charges. And police won't file the report unless I can show them the statement. They said even then most likely nothing would ever come of it for $158 charge. Also the guy with discover fraud told me something to this effect as well.

Can anything else post to the card? When they neutered it, it looked like there were still 2 pending charges from Expedia and Jet blue, Do you think i am gonna have to dispute those as well?

Would it be overkill to sign up for some credit monitoring? I mean, whoever used my card had to have my address and phone number for the card to verify, Didn't they? What other info could they have on me?

I am sorry folks, I'm just disturbed that despite all the effort I go through to protect my cards and info this could still happen. Hopefully you'll tell me I just need to chill and stop freaking out.


takeshi
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Postby takeshi » Wed Oct 09, 2013 8:18 am

I wouldn't recommend worrying over it. The fraud departments with most card issuers can use clues to determine if you made a charge such as the location of the purchase, the address associated with the charge, etc. They may also request a signed statement from you that the charges were not authorized by you or any authorized user. Generally, nothing can be charged once fraud is reported and you'll be issued a new card with an entirely different number. Other charges are generally considered as well -- especially within a certain timeframe of a known/suspected fraudulent transaction and if from the same merchants.

Filing a police report doesn't hurt but I've never done so myself for fraud. It's your call to make as to whether or not credit monitoring is worth it to you. I monitor all my accounts closely on a routine basis but if one doesn't do so then monitoring can be beneficial.

Keep in mind that it's not just a matter of how well you protect your info but how well others protect it as well. There are plenty of opportunities out there for fraudsters to take advantage of and you can't eliminate all possibilities. All you can do is to mitigate from your end and keep a close eye on things.

DoingHomework
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Postby DoingHomework » Wed Oct 09, 2013 2:53 pm

I agree with Takeshi. I've had fraudulent charges and it generally was no big deal. They cancel the charges, send a form to fill out and sign, then that's about it. Generally speaking the local police have no jurisdiction so that is a waste of your time. The exception would be if you thought the card or number was stolen locally. I'm not saying not to file a police report. It can't really hurt. But it probably would not help either so there is no point in losing sleep over not being able to.

Generally speaking, it sounds like you did your part and there will be no issues. You'll get a new card and can use it as usual. I suspect they will not even investigate for a measely $158. They will just reverse the charges to the airline which will cancel the tickets and that will be over. There is a slight chance the airline will pay attention to someone trying to use the tickets. People who do crap like that are often dumb enough to show up and try to use the ticket!

cljnco
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Postby cljnco » Thu Oct 10, 2013 12:06 am

Thank you. As I said this is the first time I have ever had to deal with this. It just really kinda unnerved me a bit. Then to top it of, Who buys plane tickets using a stolen card? Doesn't seem very intelligent to me.

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nismoZtuner
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Postby nismoZtuner » Thu Oct 10, 2013 12:47 pm

DoingHomework wrote: They will just reverse the charges to the airline which will cancel the tickets and that will be over. There is a slight chance the airline will pay attention to someone trying to use the tickets. People who do crap like that are often dumb enough to show up and try to use the ticket!


that is exactly what i thought when i finished reading the post.
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
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Age-22

cljnco
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Postby cljnco » Thu Oct 10, 2013 3:44 pm

And that is one of my concerns with Discover, That they will turn around and say no one would be stupid enough to buy a ticket with a stolen card so you must have and are just trying to get out of the charges. You folks helped alleviate some of my concerns and I really appreciate that. I still for the life of me can't figure out how they got my card number.

My other question is, Doesn't Discover confirm the matching address and phone number when the card is used online especially with a high security thing like buying plane tickets? I mean in the past I have had the card rejected due to address error. So the thief must have my address and that still unnerves me a bit.

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nismoZtuner
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Postby nismoZtuner » Sun Oct 13, 2013 3:46 pm

cljnco wrote:And that is one of my concerns with Discover, That they will turn around and say no one would be stupid enough to buy a ticket with a stolen card so you must have and are just trying to get out of the charges. You folks helped alleviate some of my concerns and I really appreciate that. I still for the life of me can't figure out how they got my card number.

My other question is, Doesn't Discover confirm the matching address and phone number when the card is used online especially with a high security thing like buying plane tickets? I mean in the past I have had the card rejected due to address error. So the thief must have my address and that still unnerves me a bit.


nope not really.. ive used my card online and have entered the wrong address (typo)a few times and it still goes through...
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22



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