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Subject Author Date
Fraudulent Credit Card use Han 01-18-2008
Posted by Han on January 19, 2008, 7:18 am
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>
>> Received a call from Sears Mastercard (Citibank) questioning charges
>> to my CC. I haven't used the card much at all in all the nyears I
>> had it. Lately once in July, once in Sptember, then once at Kmart
>> around Christmas time. I received the bill a few days back, paid it
>> off online, today get that call about a total of over (#)) $ in
>> charges.
>>
>> How do "they" get my card number? Good thing they have some kind of
>> monitoring. I of course canceled the account - I have other cards.
>>
> There are any number of ways a crook can get your number. They could
> steal the statement from your mailbox or a clerk could make a copy of
> the register receipt.
>
> This is why I download all my credit card transactions into Quicken
> every few days. I want to know if my card is being used as soon as
> possible.
>
> I've found bogus charges 4 times in 10 years. The most recent was when
> a vendor entered my number by mistake. Even though he reversed the
> charge the next day, my bank was more than happy to cancel the card
> and issue me another one. I have one card that I use exclusively for
> online purchases and have never has a problem. All the bogus charges
> were on a card I only use in person. I suspect some hotel clerk or
> waiter glommed my number.
>
I download banking data almost daily, but 1) This card was not set for
auto download, since I use it so seldom, and 2) These were charges for
fairly large amounts in a single day. As mentioned, the card isn't used
for many charges and certainly never has been used for thousands. So it
should have been easy to flag this as potentially fraudulent.


--
Best regards
Han
email address is invalid

Posted by BeanTownSteve on January 20, 2008, 6:45 pm
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> Received a call from Sears Mastercard (Citibank) questioning charges to my
> CC. I haven't used the card much at all in all the nyears I had it.
> Lately once in July, once in Sptember, then once at Kmart around Christmas
> time. I received the bill a few days back, paid it off online, today get
> that call about a total of over (#)) $ in charges.
>
> How do "they" get my card number? Good thing they have some kind of
> monitoring. I of course canceled the account - I have other cards.
>
> Just gives me the creeps ...
>
> --
> Best regards
> Han
> email address is invalid

I'll double the comments about AMEX Blue. I use it constantly for
everything I can to build the biggest annual rebate I can.

Last year on a day trip, my wife and I were at a Leesburg VA
restaurant for lunch, about 20 miles from home. THAT EVENING I got a
call from AMEX fraud desk questioning me about several charges and did
I make these purchases. Nope, didn't spend $400 at InPhonic, didn't
spend $150 at somebody's gym and didn't buy gas at nowhere near here
Virginia. While I can not be absolute, I fully believe someone at
that restaurant grabbed the card numbers and information

I THINK the Inphonic charge tripped AMEX because they had not yet
authorized it. Cancelled my card, had a new one in two business days
and never heard a word more about it. The Leesburg restaurant charges
came through about three months later and since I DID have lunch
there, I paid it without protest.

They were top notch in my view. I think ALL the CC majors have some
scanners that run and compare past charges and classification of
retailers to what's coming in but AMEX handling was great.



Posted by Han on January 20, 2008, 8:39 pm
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>> Received a call from Sears Mastercard (Citibank) questioning charges
>> to my CC. I haven't used the card much at all in all the nyears I
>> had it. Lately once in July, once in Sptember, then once at Kmart
>> around Christmas time. I received the bill a few days back, paid it
>> off online, today get that call about a total of over (#)) $ in
>> charges.
>>
>> How do "they" get my card number? Good thing they have some kind of
>> monitoring. I of course canceled the account - I have other cards.
>>
>> Just gives me the creeps ...
>>
>> --
>> Best regards
>> Han
>> email address is invalid
>
> I'll double the comments about AMEX Blue. I use it constantly for
> everything I can to build the biggest annual rebate I can.
>
> Last year on a day trip, my wife and I were at a Leesburg VA
> restaurant for lunch, about 20 miles from home. THAT EVENING I got a
> call from AMEX fraud desk questioning me about several charges and did
> I make these purchases. Nope, didn't spend $400 at InPhonic, didn't
> spend $150 at somebody's gym and didn't buy gas at nowhere near here
> Virginia. While I can not be absolute, I fully believe someone at
> that restaurant grabbed the card numbers and information
>
> I THINK the Inphonic charge tripped AMEX because they had not yet
> authorized it. Cancelled my card, had a new one in two business days
> and never heard a word more about it. The Leesburg restaurant charges
> came through about three months later and since I DID have lunch
> there, I paid it without protest.
>
> They were top notch in my view. I think ALL the CC majors have some
> scanners that run and compare past charges and classification of
> retailers to what's coming in but AMEX handling was great.
>
Well, I can't be out of my main card for 2 days, certainly not when I am
on vacation in the wilds of Holland, and not anywhere near my home phone.
Luckily, my cards have continued to work properly in those and similar
circumstances. Nevertheless, I have been grateful whenever unauthorized
charges were made to my cards, and intercepted before I had a problem. I
think that most of the time, the system works properly.

--
Best regards
Han
email address is invalid

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