FRAUD question (PLEASE READ)

[ARIX]

I had something very similair happen the other day. I received an email asking if I could verify a transaction for $697 at Macy's in Dallas. Of course fraudulent. Then was told just before that a charge for $119 went through and another for $100 at Pirhana's killer sushi. Long story short they said the card was physically used, which baffled me because I have had mine on my person the whole time. Who says crime doesn't pay-bastards!

[dville_gt]

I had something very similair happen the other day. I received an email asking if I could verify a transaction for $697 at Macy's in Dallas. Of course fraudulent. Then was told just before that a charge for $119 went through and another for $100 at Pirhana's killer sushi. Long story short they said the card was physically used, which baffled me because I have had mine on my person the whole time. Who says crime doesn't pay-bastards!

Unrelated note, but that is one of my favorite restaurants, coincidence?

[Tx Redneck]

yea chase bank called me last week with transactions made in the UK. i was like wtf! cancel the card man i live in texas.

Plus my card doesn't have an RF chip in it.

I had something very similair happen the other day. I received an email asking if I could verify a transaction for $697 at Macy's in Dallas. Of course fraudulent. Then was told just before that a charge for $119 went through and another for $100 at Pirhana's killer sushi. Long story short they said the card was physically used, which baffled me because I have had mine on my person the whole time. Who says crime doesn't pay-bastards!

https://www.google.com/search?q=debit+card+number+black+market&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a

[GE]

Plus my card doesn't have an RF chip in it.

There's 2 main ways they're doing it nowadays. First, someone takes your card, i.e. a waiter and runs it through a skimmer. It can be practically anyone that gets their hand on your card, it can be done at a drive thru window. They'll probably also have the 3 digit code on the back. Then they just sell the info to the 3rd party, who in turn transposes all your data onto a blank card and it's good to go. The latest one I've seen is where you've used your card at an establishment, and they didn't lock down their Point of Sale, and moreso, didn't change their default password, and crooks hack into their POS system with the default password and steal all of the data.

[Saleen781]

I work for a company that supplies fraud detection to financial institutions and I can tell you with 100% confidence......Florida is fraud filled fantasy land of crooks. #1 in the nation.

[grove rat]

i got a call from chase one day and they said my card was used twice in new york city and once colorado all within an hour. said the card was used but charged as a credit, so before they cleared it they canceled everything and issued me a new card

i doubt i will ever change from chase, this is the second time they have called me cause of unusual activity. first was when i was buying a lot of stuff all in one day, a little over $1400. within 10 minutes of the biggest purchase i received a phone call from a representative from chase asking if i was making these purchases. once i told them yes it was me they said sorry for the inconvenience and have a nice day. hell i was actually happy they called and told me! good to know they are keeping an eye out

[GrayStangGT]

i got a call from chase one day and they said my card was used twice in new york city and once colorado all within an hour. said the card was used but charged as a credit, so before they cleared it they canceled everything and issued me a new card

Same deal happened to me on my chase card, they called me while I was eating lunch in Odessa and asked if I had just made a couple of purchases at a Lord and Taylor up in New England somewhere. They refunded the charges and sent me a new card, just had to sign a deal and mail it back saying it was fraud. I've been with Chase for 5 years and have had excellent service over the phone and in person, even have my truck note with them.

[grove rat]

They refunded the charges and sent me a new card, just had to sign a deal and mail it back saying it was fraud. I've been with Chase for 5 years and have had excellent service over the phone and in person, even have my truck note with them.

since they called me before clearing the charges they just canceled them, didn't have to sign anything

i have been with them since i was 14 or 15 lol, well i started a savings only account with just an ATM card with my dad as a co-signer or whatever the term they used. oh and it was actually bankone when it switched to chase i noticed nothing different and the subtle changes they have made in the 12/13 years have been good. any issues with them get resolved with just a call or trip to a local branch

[bcoop]

That is either one hell of a scanner or is a mind reader...

Or, purely coincidental.

[inline 6]

I had the exact same thing happen to me about 5 months ago. Online store I bought from accepeted paypal and I paid with paypal. Less than a week later someone is cleaning me out at walmart, KFC, gas stations, etc... all in that same area the store I bought from is located in. Only difference is that mine was in IL. It is not the guy you are buying the stuff from. Trust me on that. He has NO way to access any of your personal data (cc numbers) through paypal at all. I know it looks fishy but its not him.

[dville_gt]

I had the exact same thing happen to me about 5 months ago. Online store I bought from accepeted paypal and I paid with paypal. Less than a week later someone is cleaning me out at walmart, KFC, gas stations, etc... all in that same area the store I bought from is located in. Only difference is that mine was in IL. It is not the guy you are buying the stuff from. Trust me on that. He has NO way to access any of your personal data (cc numbers) through paypal at all. I know it looks fishy but its not him.

This is what I think as well. Just the fact that he answered his phone last night with no hesitation was a huge indicator he had nothing to hide. How easy he could have just ignored the call, especially if he is the type that would buy cartons of cig's on a stolen credit card.

[2011GT]

Instead of the banks getting fucked they should make the business that accepted the card take a big hit. If stores would only ask to see IDs a lot of this would be over. To make the ID more legit they could physically see and also you should scan the ID into the credit card machine. Maybe the CC machine can even ask you a personal question. Like city where you were born and such.

[Treasure Chest]

But it was the wrong debit card, we have 2 debit cards associated with that account and this was from the card NOT associated with the PayPal account.

It's probably a coincidence. I've had two cards compromised, one at a gas pump and one at Walmart. Both times, hackers got the information at a corporate level, made cards, and swiped them in random cities. Luckily, they're not capturing the PIN, so they're being run through as credit, which fell under the Visa fraud protection. My former credit union always said to run transactions through as credit so PINs aren't captured if the system is compromised, but I'm terrible about sticking to that rule. I was told the bank is liable for debit transactions, whereas the credit card co is liable for credit transactions.