Sick of Chase Fraud

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
7 posts
JoDa
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Sick of Chase Fraud

Postby JoDa » Fri Mar 21, 2014 9:03 pm

Yes, I know...my Chase cards are the ones I use and, therefore, at higher risk of getting swiped, but it's happened AGAIN and I just can't figure out why I have SO. MUCH. TROUBLE. with these cards getting scammed. Seriously, even my debit card gets hit at least once a year and I can't remember the last time I used that (I charge most everything and when I DO need cash I use a different debit card that charges no ATM fees/refunds operator fees - AND THAT ONE HAS NEVER BEEN HIT!). Every time one of my Chase cards does get hit, they bump up my security and it makes my life hell when I try to buy lunch 2 blocks from my office.

In this case, I've done NO online shopping NOR eaten in a sit-down restaurant where my card leaves my sight in WEEKS (I've been busy doing other things...). My card has been within my sight/reach/home at all times for nearly a month now and, bam, someone tries to use it online. And, yes, I do take the other precautions of patronizing reputable retailers, not storing my card number with the online shops I do shop from, and keeping the card number out of sight as much as possible in public (such as when swiping it at a store)...if it were a company I had recurring charges with, it would be NEWS they got hacked because they're BIG companies. And my router not only has an encrypted password, but is restricted to only allow MY computers on the network.

Mostly just needed to rant. Srsly...$900 in high-end online retail and you don't think that's going to throw a flag? Also, the flag was doubled since the scammer couldn't confirm my address (so it wasn't an inside job or home service provider because...duh!...those people know my address). hashtag stupid, stupid scammers. Mostly I'm just peeved because lots of my bills are due in the next week and that means I have to change them to a different card tonight (when I have better things to do) and then change them again in a few days.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K


MemberSince99
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Postby MemberSince99 » Sat Mar 22, 2014 8:13 am

People could be skimming them on you too. The thieves out there are pretty clever (though the 900 high end one wasn't the brightest bulb on the tree perhaps).


Knock on wood but mine have never been stolen yet. I use them all the time around here too. So it may be your area there.

whit
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Postby whit » Sat Mar 22, 2014 9:44 am

same as membersince99 -knockonwood-

I don't really use debit card; occasionally when they have better cashback then both ebates and my credit card combined I will..like one with bergdorf whose same parent company as neiman which was targeted during recent holiday season

or when restaurants like mama only takes cash or debit card with surcharge and I never carry more then a few bucks on me

then again, I never had any fraud on my bofa but my friend has hers get hacked/fraud twice

so it depends on the individual,

as frustrating as that is, you may want to sit down and really think about it if you're bothered by the hassle of having to change your numbers etc

because I don't have any auto pays save iTunes and I don't mind changing it when I get new numbers, should a card get hacked (hasn't happened to me yet -knockonwood-) then I would use the others. I have multiple cards tied to a bank account and I have not had a problem yet..

so do you have a lot of autopays or do you use and like to use one card heavily and that's the one that gets fraud?

and I say sit down to really think about it because i have misplaced my keys before and up and down I search the area that I swear I saw it last but trouble is there's no mess there so after a quick run through I wondered if I forgot to take it out of the lock because I was so tired coming home from work.

never occurred to me to check another room (computer) because when I went home I straight plopped myself on the couch..turned that upside down and still didn't find it

running through the events that happened from coming into the house, and what I did after up until I discovered my keys were missing, I never thought about the computer room because I didn't think I went in there

but I did, must have, because it was only me and there's no pets or magical elves to move my keys there

JoDa
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Postby JoDa » Sun Mar 23, 2014 7:29 pm

I fully admit that I could be getting skimmed on my CCs at restaurants because I do dine out in sit-down restaurants where they take my card pretty frequently, this one just seemed weird because it's been so long on that front. Who holds on to a credit card number they skimmed for over 3 weeks before using it? But that still doesn't explain the debit card, which I *seriously, seriously* never use, even at ATMs (like I said, I use another that doesn't charge/refunds fees). The last time I used the debit card was last July INSIDE a Chase branch (teller window) because I wanted smaller bills & change on the withdrawal (needed bus money when on vacation and there was a Chase across the street from my hotel). Then in December...boom, hacked, after 5 months of gathering dust in my wallet.

As for autopays I have Verizon, Netflix, and my internet provider (regional company but still large enough that a hack would be news). I don't feel like any of those are risky. I also haven't shopped with that card at any of the stores who admitted to being hacked (I've been to Target once since they admitted the hack, but used my Target card...I've only ever shopped once at Nordstrom Rack, and that was over 3 years ago and on a different card). I've done a touch of online shopping with it, but nothing within the last month.

I'm going to call our security folks on Monday and see if the transaction happened to go through our work network. We've had a couple instances over the years where cards/cash/stuff was physically stolen in my office, and there's a chance that's my problem. If they were dumb enough to try such a bold purchase, if it was a coworker, they're probably dumb enough to make the purchase from their work computer. It happened only 20 minutes after I left my desk for the day, so maybe that will turn up something. If it does, well, sucker for both stealing AND being out a JOB.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

DoingHomework
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Postby DoingHomework » Wed Mar 26, 2014 2:55 am

Sorry, but gotta agree. 30+ years with Chase, hate em for other reasons, but damn good on security. On breached card, my own fault, bought from a sketchy site, Chase pounced for me. Sketchy site tried all sorts of illegal crap. Chase helped, Sketchy site, part of huge company shut the f up after they knew who they were dealing with. Bottom line - I hate Chase but they did right by me

JoDa
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Postby JoDa » Wed Mar 26, 2014 7:55 pm

Oh, I agree that Chase is on the ball with anything unusual. Sometimes too on the ball, but since they've gone to sending emails and texts where you can approve the transaction, it's been less of a hassle (the email/text comes to my cell phone, so I can just tell the cashier to hang on a second, click "yes" on the email or reply yes to the text, and the transaction goes right through). They've also had my back on some sketchy stuff and the magic words of "let me give you the contact information for Chase and my case number" shut people up right quick. They're hit or miss on how they treat their customers, but they are damn good on fraud and shadiness.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

MemberSince99
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Postby MemberSince99 » Thu Mar 27, 2014 6:54 am

DoingHomework wrote:Sorry, but gotta agree. 30+ years with Chase, hate em for other reasons, but damn good on security. On breached card, my own fault, bought from a sketchy site, Chase pounced for me. Sketchy site tried all sorts of illegal crap. Chase helped, Sketchy site, part of huge company shut the f up after they knew who they were dealing with. Bottom line - I hate Chase but they did right by me



What bothers me about that experience is how they tried all sorts of illegal crap, knowing that the absolute WORST thing that could possibly happen to them is they simply don't get away with ripping off the money they felt entitled to steal. That's the WORST thing; not that they could be prosecuted or (God forbid) put in jail for breaking the law, simply that they might not get what they are trying to steal.



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