Lost My Fraud Virginity Today

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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swipe_masta
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Lost My Fraud Virginity Today

Postby swipe_masta » Thu Apr 10, 2014 10:18 pm

Long story short, my Chase Sapphire that I never use and is socked drawered, was charged (brazenly might I add) $1500 from Mexico. Got a txt from Chase and everything was taken care of... It is crazy to me that even though I carry about 6 cards in rotation in my wallet, the one of two cards that I never use is the one that gets hacked!

I was scerrd out of my mind though when I got that txt from Chase! Should I pull a credit report to be on the safe side? I check all my accounts regularly and use CK, which I checked and nothing unusual is there.


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PlatinumAMEX94
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Postby PlatinumAMEX94 » Fri Apr 11, 2014 9:48 am

swipe_masta wrote:Long story short, my Chase Sapphire that I never use and is socked drawered, was charged (brazenly might I add) $1500 from Mexico. Got a txt from Chase and everything was taken care of... It is crazy to me that even though I carry about 6 cards in rotation in my wallet, the one of two cards that I never use is the one that gets hacked!

I was scerrd out of my mind though when I got that txt from Chase! Should I pull a credit report to be on the safe side? I check all my accounts regularly and use CK, which I checked and nothing unusual is there.


Yes, pull a credit report and see what else has been going on in your credit history. I had a fraud case awhile back where a dishonest merchant from Amazon got my AmEx Platinum personal and tried to open another Amazon account with it, and then proceeded to charge approximately $250k within a 24 hour time frame. Amazon has security measures in place, as does American Express. I was informed my AMEX that my card is currently under a constant surveillance for fraudulent charges. Believe it or not, the first thing that tipped off AMEX is that I went to their site to "authorize my spending ability" and when it was approved they went crazy.


Anyone else have a crazy fraud story that actually happened TO your or your spouse?
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nismoZtuner
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Postby nismoZtuner » Fri Apr 11, 2014 3:23 pm

PlatinumAMEX94 wrote: proceeded to charge approximately $250k within a 24 hour time frame.


Dang just imagine!
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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FastSRT8
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Postby FastSRT8 » Sat Apr 12, 2014 2:30 am

WOW that's brutal and ballsy.

Such a high spend in 24 hours. Not too smart but then I guess they just wanted to get as much as they can before you or Amex detects the fraud.

PlatinumAMEX94 wrote:Yes, pull a credit report and see what else has been going on in your credit history. I had a fraud case awhile back where a dishonest merchant from Amazon got my AmEx Platinum personal and tried to open another Amazon account with it, and then proceeded to charge approximately $250k within a 24 hour time frame. Amazon has security measures in place, as does American Express. I was informed my AMEX that my card is currently under a constant surveillance for fraudulent charges. Believe it or not, the first thing that tipped off AMEX is that I went to their site to "authorize my spending ability" and when it was approved they went crazy.


Anyone else have a crazy fraud story that actually happened TO your or your spouse?
Carpe diem quam minimum credula postero!

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Sat Apr 12, 2014 8:09 am

FastSRT8 wrote:WOW that's brutal and ballsy.

Such a high spend in 24 hours. Not too smart but then I guess they just wanted to get as much as they can before you or Amex detects the fraud.



The really cool thing is AmEx called, text, and emailed me within a 2 minutes of my 100+ apple computers, monitors and accessories that I was having shipped to the Ukraine overnight rush delivery. There is this thing called an I.P. address and when you purchase something, it is recorded with every online transaction. So when you make an odd purchase from an unknown I.P. address it throws up a red flag. Everyone has a home I.P. address just like a home phone number, so when they don't match up ... well you get the idea.

Can you imagine if you opened up your statement and saw those kinds of charges? Unfortunately I had to change my card number after having the same number for over 10 years.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

swipe_masta
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Postby swipe_masta » Sat Apr 12, 2014 2:54 pm

Way to hijack my thread Plat! Geez... jk lol. I think I will pull my free yearly report from all three bureaus just to be on the safe side, though if there was something, I would know by now *knock on wood.*

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nismoZtuner
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Postby nismoZtuner » Sat Apr 12, 2014 2:57 pm

swipe_masta wrote:Way to hijack my thread Plat! Geez... jk lol. I think I will pull my free yearly report from all three bureaus just to be on the safe side, though if there was something, I would know by now *knock on wood.*


I believe one can only get 1 report from the 3 main bureaus not all 3 (unless you pay)
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

swipe_masta
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Postby swipe_masta » Mon Apr 14, 2014 7:53 am

nismoZtuner wrote:I believe one can only get 1 report from the 3 main bureaus not all 3 (unless you pay)


You get one free from all three yearly. if you go to the government free credit report site you can view all three and print them out. They charge to mail it out though.

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nismoZtuner
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Postby nismoZtuner » Mon Apr 14, 2014 2:04 pm

swipe_masta wrote:You get one free from all three yearly. if you go to the government free credit report site you can view all three and print them out. They charge to mail it out though.


wow i did not know that-

When i try and get a report they only let me choose one. well they give me the option to choose for which bureau i want
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

cashnocredit
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Postby cashnocredit » Sat Apr 26, 2014 10:55 pm

You can get extra free credit reports if you have had ID theft.

I had a debit card cloned and the fraudster ran up over 5k in gold and jewelry purchases in Australia. The bank didn't catch it. I found it when logging in to check another expected transaction and noticed the strange charge just a few hours after it was made. Notified the bank and faxed a fraud affidavit to them and they promptly took care of it.



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