:mad: Fraudulent Charge :mad:

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
23 posts
kcarter609
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Location: VA

:mad: Fraudulent Charge :mad:

Postby kcarter609 » Mon Oct 15, 2012 5:58 pm

Ok, so I log into my bank accounts EVERY SINGLE DAY. I log in today to find this charge from my debit card:

10/15/2012
VISA - MACY'S EAST #799
$2,145.00

Calling the bank as I type this and sit on hold... I want to know WHY THIS WAS EVEN APPROVED! This is totally outside of my normal spending, and I've NEVER shopped at Macy's since I opened the account with my bank 4 years ago...

My debit card is still in my wallet, and I haven't used my debit card to pay for anything since the beginning of August... over 2 months ago.

I'm fuming right now. This is the first time this has happened, and I have no idea how. I didn't buy stuff from any oddball places lately. I've also been using the Freedom for everything.

Sorry, I had to rant.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)


kcarter609
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Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Mon Oct 15, 2012 6:19 pm

Update: Bank says I have to wait until it posts before I can dispute it.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

432521
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Postby 432521 » Mon Oct 15, 2012 6:27 pm

that is bull, and you said that this is your debit card? are they as protected as your credit cards?
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


kcarter609
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Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Mon Oct 15, 2012 6:43 pm

Yeah it's a regular Visa backed debit card. If it becomes a problem, I'll take all my money literally next door to Chase instead. They'll be pissed.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

itsmeandrew
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Location: Utah

Postby itsmeandrew » Mon Oct 15, 2012 10:57 pm

The same thing happened to me. I had WF. Someone in Northbrook Illinois decided to go on a shopping spree with my debit card info. I hardly ever used the card, so I'm not sure how it could've gotten stolen but hey anything's possible. Anwyay I called and they told me the same thing. I have to wait until it's posted. I waited, and it posts. I go into a branch this time and they dispute it for me. They tell me it'll be up to a 60 day wait while they investigate. They issued me a temporary credit a few days later and after 60 days, took that and opened an account at Chase. (with a nice $150 bonus too). Strange thing is, I never heard back from WF until about 3 or 4 months after the ordeal when they said the investigation was complete and the temporary credit is now permanent.
Capital One Platinum $500 (2/2010) CLOSED (1/2013)
Wells Fargo College Cash Back $1.2K (8/2011) CLOSED 3/2015
Chase Freedom (Signature) $10K (4/2012)
AmEx Zync NPSL (4/2012)
Samuels Financing $2.9K CLOSED 4/2015
Discover IT $3.95K (7/2012)
Chase Marriott Premier (Signature) $5K (9/2012)
Chase Slate $2.5K (12/2012)
Citi Simplicity $4K (3/2013)
AmEX BCE $9.5K (5/2014)
Chase Amazon $4.5K (5/2014)
Barclaycard Apple Financing $2K (6/2014)
Capital One VentureOne (Signature) $5K (1/2015)


TU (Discover): 760

Rory
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Location: MA

Postby Rory » Tue Oct 16, 2012 12:17 am

that sucks dude. the perp may have had one of those NFC scanners just walking around and pulled ur numbers off of your cards chip or barcode. Idk how they exactly work but its BS. Hope it all works out and dont threaten to leave, make them see how this invasion of your privacy makes you feel like they cant protect you efficiently and that you dont want to feel vulnerable at a bank you have been with for 4+ years. They will fold right into your hand after that
Amex Zync - NPSL (Cleared up to 25k)
Amex BCE - 12000 limit
Amex BCP - 4200 limit
FIA Rewards Amex- 3500 limit
Chase Freedom - 2000 limit
Chase Slate - 2000 Limit
BoA Cash Rewards Privileges- 3000 limit
Barclaycard Rewards MC - 3000 limit
Discover IT- 3500 limit
Marriott PR- 5000 limit
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:

jeffysdad
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Location: Texas

Postby jeffysdad » Tue Oct 16, 2012 6:46 am

I'm very sorry you're having to deal with this. I'd be furious if it were me. This is the very reason I don't use a debit card. My Chase checking only has an ATM card. If you ask them, they'll provide an ATM instead of a debit card. Chase is the only bank I've encountered that will do this, but I have to think there are others.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.


kcarter609
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Postby kcarter609 » Tue Oct 16, 2012 10:50 am

Ok, so I had them cancel my debit card and they are mailing me an ATM only card. They can't dispute the charge until it posts, which should be tomorrow. Then within 3-5 business days I get a temporary credit to my account for the amount while they investigate it.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

jeffysdad
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Location: Texas

Postby jeffysdad » Tue Oct 16, 2012 11:27 am

Sounds as if they're following a reasonable protocol and everything will work out. Good luck.

However, I will point out that if you had been using a credit card, the fraud likely would have been detected by the bank immediately (with their sophisticated algorithms) and they would have locked the account down right away to protect THEIR MONEY, and they would also be burning up your cellphone.

Look where that sense of urgency goes when it's YOUR MONEY that's at risk.

Forgive me for saying so, but it just blows my mind that anyone uses debit cards. They scare the hell out of me!
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

kcarter609
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Tue Oct 16, 2012 3:04 pm

I haven't used my debit card at all since I got the Freedom, and I don't intend to go back to using it. But I had junk credit cards before, and not everyone took AMEX, so it was a lot easier to just use my debit card and not even have to worry about paying each month.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)



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