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Old 10-08-2019, 06:21 PM   #1
mrc
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Default Credit card fraud

My wife and I have 2 American Express cards one for her and one for me, we got them because we had to spend 2 weeks for work in a Hilton and we got the rewards. We actually got them when they were City I believe and AE took it over. We have had them for about 9 years and I have never used mine. Today I got a fraud alert and Assumed it was my wife's card because she only uses that card at the carwash. It was mine and had 2 charges on it one to Kobo (some E book thing) and one to Intuit Canada, the total was about $25. Now since my card was locked in my safe and no one can get to it but me how is this possible? No it wasn't the kids, wife or anyone else.
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Old 10-08-2019, 06:25 PM   #2
hogslayer78
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Some pos living in his mom's basement running random numbers until it hits. They start slow and then progressively get bigger on purchases. I had charges in Maryland and have never been there.in my life!
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Old 10-08-2019, 06:30 PM   #3
Aggiehunter08
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Been through it. This should be a hanging offense!
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Old 10-08-2019, 06:32 PM   #4
sendit
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I have had cards compromised in the past. They fish the waters with a couple of small charges and then bump the charges up quickly. Even with $10K-$20K fraudulent charges in a couple of days the issues were quickly resolved on our part.
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Old 10-08-2019, 06:35 PM   #5
mrc
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I understand how skimmers work, we are currently dealing with the Oct. 2020 EMV upgrades. If I would have used the card I would understand, but unless they have a random number generator my card has never been exposed. Never Ever no where.
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Old 10-08-2019, 06:36 PM   #6
meltingfeather
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anything's possible
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Old 10-08-2019, 06:37 PM   #7
muzzlebrake
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They hit one of mine last week for 481.09 in a town and state where I've never ever been. Bastages need hanging. PITA having to void and get new card. Ao fR I far I have been hit a total of 5 different times in the last 3 years. I now check all of my accounts at least once per week whether I use them or not.
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Old 10-08-2019, 06:38 PM   #8
Outback
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Quote:
Originally Posted by hogslayer78 View Post
Some pos living in his mom's basement running random numbers until it hits. They start slow and then progressively get bigger on purchases. I had charges in Maryland and have never been there.in my life!
^^^ They start really low hoping you won't notice $5-10 for Xbox or some other thing. Then, each cycle they add some more. For me it was Xbox in Mexico City. Easy to dispute and have removed. You get a new card. And yes, get a rope. KAT
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Old 10-08-2019, 06:39 PM   #9
Tbar
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Life Lock is expensive but I'm sure glad we had them when the wife's card got hacked.
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Old 10-08-2019, 06:46 PM   #10
mrc
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As an extra precaution everyone needs to read up on the 2020 EMV upgrades. If a store has not upgraded to the new chip readers and you get hit it is the stores responsibility not the CC company anymore. As these upgrades are being made it is pushing the skimmers to other locations. You need to be very wary of any outside purchase you make.
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Old 10-08-2019, 06:51 PM   #11
6.5CM
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Yep small charges till they clear the they unload it.
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Old 10-08-2019, 11:09 PM   #12
dustoffer
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Got a notification of a purchase of a latte in Jakarta, Indonesia one afternoon and in a couple of hours they bought $495 worth of Legos in NYC.
We blamed the Legos on our son but it wasn't. Didn't cost us anything but aggravation and inconvenience----but I do feel your pain.
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Old 10-08-2019, 11:33 PM   #13
pilar
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I had charges from Walmart, online delivery for about $500 a couple of months ago
Luckily AMX fraud department handled it but it was a PIA
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Old 10-08-2019, 11:40 PM   #14
SwampRanger
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In had numerous charges to door dash... twerent me....called my card company and all gone
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Old 10-08-2019, 11:44 PM   #15
6.5CM
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Capital one called me as soon as the transactions happened I told them it wasn’t me, they didn’t process them and canceled the card. Bank of America on the other hand never noticed it, luckily I did and called to let them know and they had to reverse the transactions and it took about a week to get my money back.
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Old 10-09-2019, 12:38 AM   #16
Fightinaggies
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It's AMEx, don't worry about it they will handle it 100%


Sent from my iPhone using Tapatalk Pro
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Old 10-09-2019, 12:59 AM   #17
SamHarper
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I randomly looked at my CC account recently and saw two charges I didn't recognize that were in my town. I called the CC company, and they said there was a third charge that same day that hadn't been posted yet. The three charges totaled about $325, and they were a day apart.

I suspect my number was acquired at a restaurant I ate at because I hadn't used the card for anything else except that restaurant, and the charges started that same day, and all three were in my town.

What gets me, though, is that on two of the charges, it said on my on line account that the card was present, but I had the card in my possession. I don't know how that works.

Although I disputed the charges, so far they haven't been removed from my account.
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Old 10-09-2019, 07:01 AM   #18
The Gipper
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Just like stated above probably a cc generating program. These people will get hundreds or thousands of random cc numbers and just started searching out ones that work. Credit card numbers are sold on the dark web also same concept people buy multiple card numbers then just start going down the list till they find the ones that work.
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Old 10-09-2019, 07:25 AM   #19
deerplanter
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Quote:
Originally Posted by mrc View Post
As an extra precaution everyone needs to read up on the 2020 EMV upgrades. If a store has not upgraded to the new chip readers and you get hit it is the stores responsibility not the CC company anymore. As these upgrades are being made it is pushing the skimmers to other locations. You need to be very wary of any outside purchase you make.
I seen something the other night saying it is safer now to use apple pay or Samsung pay than your credit cards. The cards are loaded on the phone but the CC numbers are never exposed to the vendor just a one time code to verify the card.
It is odd how your card got hacked when it has never been used.
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Old 10-09-2019, 08:13 AM   #20
AlaskaFlyerFan
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Why do you even have a card. If you never use it shut it down!
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Old 10-09-2019, 08:45 AM   #21
mrc
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Quote:
Originally Posted by AlaskaFlyerFan View Post
Why do you even have a card. If you never use it shut it down!
Because I can!
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Old 10-09-2019, 09:09 AM   #22
KDinTX
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Turn on text/email alerts. Our chase card has been hit a few times, once for Disney tickets in Cali, another for car parts in Michigan, and a few other small things. We use it daily, everywhere, but every time anything charges I get a text, and if its over $500 and in a random place they call. Never a problem, they just shut it down and send a new card. My best buy card got hit for Amway, never use it outside the store and only used it once this year.
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Old 10-09-2019, 09:50 AM   #23
nando
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Quote:
Originally Posted by KDinTX View Post
Turn on text/email alerts. Our chase card has been hit a few times, once for Disney tickets in Cali, another for car parts in Michigan, and a few other small things. We use it daily, everywhere, but every time anything charges I get a text, and if its over $500 and in a random place they call. Never a problem, they just shut it down and send a new card. My best buy card got hit for Amway, never use it outside the store and only used it once this year.



This. You get notified anytime the card is used, immediately.
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Old 10-09-2019, 09:59 AM   #24
Arrowflinger84
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AMEx should cover it and get you a new card.
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Old 10-09-2019, 10:07 AM   #25
AlwaysGigEm
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It's happened to me before. $250 to a macy's in New York. Called my credit union and it was removed right away.
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Old 10-09-2019, 10:34 AM   #26
Dakota7493
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I bought some soccer jersey in mexico a few years back. Closest I've been to the border is San Antonio!
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Old 10-09-2019, 10:45 AM   #27
WItoTX
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Don't sweat it. AMEX has great fraud protection. Mine has been stolen twice. They sent me a text, asked if it was me using my card, then locked it. I reported which transactions were mine and which were fraud. They took care of it, and sent me a new card two days later.

It's crazy they got your CC without you using it. I would like to know how they did it.
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