Chase fraudulent charges
#61
Join Date: Feb 2010
Location: LA & SF, CA
Programs: SWA, UAL, SPG, AA
Posts: 148
Two weekends ago I received an alert. Someone made >$600 Macy's online and Domino Pizza purchases on my Chase card that I exclusively use for United.com purchases.
For what it's worth Chase was on top of it and sent me a new card within 24 hours of reporting the fraudulent activities.
Because I don't swipe this particular credit card anywhere it's possible that someone hacked some system where the information is stored (e.g. Chase, United, etc.)?
For what it's worth Chase was on top of it and sent me a new card within 24 hours of reporting the fraudulent activities.
Because I don't swipe this particular credit card anywhere it's possible that someone hacked some system where the information is stored (e.g. Chase, United, etc.)?
#62
Join Date: Feb 2008
Posts: 940
Normally, they would be quick to reissue the card. For the second fraud card issue, it was a interesting set of charges. First, there was a credit charge of x amount, followed by an debit by the same amount. If I didn't have an alert set up, it would only show up on my pending charge and I guess it'll never be detected. The company seems shady as well, so I don't think it was just a mistake or "fat fingers".
The rep was interesting and asked if I wanted to just keep the card open and see what happens. Errr, okay. I said no thank you and to shut down my card completely. I don't want the hassle of having to deal with more fraud charges if they come through.
I do have one more Chase card which is my keeper card, so I'm crossing my fingers there.
#63
Join Date: Oct 2012
Posts: 164
That would be my guess. Something's up with Chase, and they're not sharing info about a possible breach. I've never had any fraud charges until the first one came up with the first card (the United Mileage Plus card). I heard about the breach at (I think) global systems sometime last year, so I thought, "ok, maybe that's why". Then on the heels of that came this one (my Chase Sapphire) within the year.
Normally, they would be quick to reissue the card. For the second fraud card issue, it was a interesting set of charges. First, there was a credit charge of x amount, followed by an debit by the same amount. If I didn't have an alert set up, it would only show up on my pending charge and I guess it'll never be detected. The company seems shady as well, so I don't think it was just a mistake or "fat fingers".
The rep was interesting and asked if I wanted to just keep the card open and see what happens. Errr, okay. I said no thank you and to shut down my card completely. I don't want the hassle of having to deal with more fraud charges if they come through.
I do have one more Chase card which is my keeper card, so I'm crossing my fingers there.
Normally, they would be quick to reissue the card. For the second fraud card issue, it was a interesting set of charges. First, there was a credit charge of x amount, followed by an debit by the same amount. If I didn't have an alert set up, it would only show up on my pending charge and I guess it'll never be detected. The company seems shady as well, so I don't think it was just a mistake or "fat fingers".
The rep was interesting and asked if I wanted to just keep the card open and see what happens. Errr, okay. I said no thank you and to shut down my card completely. I don't want the hassle of having to deal with more fraud charges if they come through.
I do have one more Chase card which is my keeper card, so I'm crossing my fingers there.
#64
Join Date: Dec 2012
Posts: 100
It happened with me in Nov '12, when someone used my Chase Sapphire card number to do an online purchase at OfficeDepot. I got a call from Chase when that order was placed, and they wanted to make sure if I placed the order. The reason it triggered fraud alert was that the order was placed from Florida and I've never used this card in Florida. I confirmed that I did not place that order and they immediately cancelled the card and sent a new card. When I asked the security expert how someone got my card number, she said that they might have used a CC number generator. But she could not convincingly answer that how that person got my billing zip code etc.
Nice to know I wasn't the only victim of this. Previous posters did a good job of covering the possibilities of where your credit card can get stolen: restaurant workers, cashiers, even a breach at the bank itself.
It's also possible to steal credit card numbers off the point-of-sale systems at retailers, as described in The Great Cyberheist:
Gonzalez was especially intrigued by the possibilities of a technique known as “war driving”: hackers would sit in cars or vans in the parking lots of big-box stores with laptops and high-power radio antennae and burrow through companies’ vulnerable WiFi networks. Adepts could get into a billion-dollar multinational’s servers in minutes.
For what it's worth, I made a video about my experience: What is Identity Theft? Credit card fraud. If that helps anyone else avoid what happened to me, that would be great.
#65
Join Date: Aug 2006
Posts: 92
Chase contacted me last week and advised they needed to close my BA card and reissue due to data compromise. This annoyed me because they had to do the same thing with husband's BA Chase a couple of months ago. This was the second time on his card although last one was a couple years ago. Other chase cards of ours (we have United as well and Saph preferred) have had no problems so far. No fraudulent charges on any, however.
#66
Join Date: Mar 2009
Location: LAX & EWR/JFK
Programs: Fomerly UA 1K, now Gold... next year, who knows?
Posts: 1,432
I've lost track of how many times my cards have been stolen, or counterfeited (I was told a few times they were able to make a card, and it was actually swiped) over the past few years. One time a replacement card was counterfeited only 2-3 weeks after I rec'd it. Now I have email alerts set, and I use a separate card for for recurring charges vs one which gets swiped at grocery, gas station, restaurants, etc.
#67
Join Date: Feb 2006
Programs: HH diamond
Posts: 2,646
Using stolen card makes no logical sense, and there was a post on United board about this a while back. IIRC, the travelers were met by police when their flight landed. Almost as bad, what if return tickets are cancelled if card used is reported stolen?
I've lost track of how many times my cards have been stolen, or counterfeited (I was told a few times they were able to make a card, and it was actually swiped) over the past few years. One time a replacement card was counterfeited only 2-3 weeks after I rec'd it. Now I have email alerts set, and I use a separate card for for recurring charges vs one which gets swiped at grocery, gas station, restaurants, etc.
I've lost track of how many times my cards have been stolen, or counterfeited (I was told a few times they were able to make a card, and it was actually swiped) over the past few years. One time a replacement card was counterfeited only 2-3 weeks after I rec'd it. Now I have email alerts set, and I use a separate card for for recurring charges vs one which gets swiped at grocery, gas station, restaurants, etc.
When I asked them if they were going to tell the police so the criminal could be arrested at the airport, I was told it wasn't worth Chase's while because the amt was not high enough (less than $5000)! I was shocked that they did not want a criminal apprehended. After all, how many other cards had he/she stolen and used?! I'm glad to hear their policy has changed.
I had some fraud activity on another card I barely use. I now check all acct balances frequently, even on cards I leave in the drawer and got rid of a bunch of cards I didn't really use. Even though they were free cards, less chance of fraud for me with fewer cards to keep track of.
#68
Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 400
[QUOTE=Phil Level;20394485]Using stolen card makes no logical sense, and there was a post on United board about this a while back.
From what I understand, many times, the people flying are not the ones aware that the card used was fraudulent. Many times there is a middle man who's "travel service" sells them a last minute ticket at a discount...then receive the real cash from the family and use the stolen cards to purchase the ticket.
By the the fraud is recognized, the "travel company" is already onto the next victim.
From what I understand, many times, the people flying are not the ones aware that the card used was fraudulent. Many times there is a middle man who's "travel service" sells them a last minute ticket at a discount...then receive the real cash from the family and use the stolen cards to purchase the ticket.
By the the fraud is recognized, the "travel company" is already onto the next victim.
#69
Join Date: Aug 2012
Location: BOS
Programs: Chase Ultimate Rewards
Posts: 624
This is probably unrelated to Chase and fraudulent charges showing up (just happened on one of my cards too), but I have noticed a lot of technical problems with Chase lately. The website has been down, account balances were recently misreported as $0 for many people with checking accounts, and other issues. It also seems like they are doing maintenance every other day now.
#70
Suspended
Join Date: Feb 2008
Posts: 836
Well my Chase Card has been hit. It seems to happen about once a year.
This time an $1,800+ charge went thru before they blocked 3 subsequent charges (2 attempts in mexico and 1 in california). I'm in Texas.
Anyway, I noticed yesterday when my card was declined, which is embarrassing. I called them up and they are resolving the issue. I should have a new card today and they took off the $1,800 charge.
It is pretty annoying though since I have about 10 recurring payments on this card monthly and now I will have to go to each company and change the information.
This time an $1,800+ charge went thru before they blocked 3 subsequent charges (2 attempts in mexico and 1 in california). I'm in Texas.
Anyway, I noticed yesterday when my card was declined, which is embarrassing. I called them up and they are resolving the issue. I should have a new card today and they took off the $1,800 charge.
It is pretty annoying though since I have about 10 recurring payments on this card monthly and now I will have to go to each company and change the information.
#71
Join Date: Aug 2012
Location: BOS
Programs: Chase Ultimate Rewards
Posts: 624
Well my Chase Card has been hit. It seems to happen about once a year.
This time an $1,800+ charge went thru before they blocked 3 subsequent charges (2 attempts in mexico and 1 in california). I'm in Texas.
Anyway, I noticed yesterday when my card was declined, which is embarrassing. I called them up and they are resolving the issue. I should have a new card today and they took off the $1,800 charge.
It is pretty annoying though since I have about 10 recurring payments on this card monthly and now I will have to go to each company and change the information.
This time an $1,800+ charge went thru before they blocked 3 subsequent charges (2 attempts in mexico and 1 in california). I'm in Texas.
Anyway, I noticed yesterday when my card was declined, which is embarrassing. I called them up and they are resolving the issue. I should have a new card today and they took off the $1,800 charge.
It is pretty annoying though since I have about 10 recurring payments on this card monthly and now I will have to go to each company and change the information.
Had a similar situation on a Citi card with charges from Mexico.
This type of stuff is happening too often.
#72
Join Date: Mar 2005
Location: Kansas City, MO
Programs: AA Gold
Posts: 3,648
When I got my current Chase Ink card statement yesterday there was a charge for $3.50 on it that I didn't recognize. I called, they said it was an online video game purchase. When I told them it wasn't me they said they were going to have to close out this card and issue me a new one. I got the replacement card today, but it's a PITA to call everyone who auto bills to the card and give them a new number.
Have you ever heard of them doing this for a $3.50 fraud charge?
Have you ever heard of them doing this for a $3.50 fraud charge?
#73
Join Date: Oct 2012
Posts: 970
This is probably unrelated to Chase and fraudulent charges showing up (just happened on one of my cards too), but I have noticed a lot of technical problems with Chase lately. The website has been down, account balances were recently misreported as $0 for many people with checking accounts, and other issues. It also seems like they are doing maintenance every other day now.
Citi have multiple login locations. Some will recognize the checking login but not the CC login. You can pay you CC directly from your Citi checking account instantaneously using one link. Use another on a subsequent page and you can only pay via ACH. Never have such issues with Chase or Amex. And Citi regularly (as in several times a week) has account access problems "check back later" or "unavailable".
#74
Join Date: Jul 2009
Location: RDU
Programs: Delta silver, HH silver, IHG platinum, SPG gold, AMEX platinum
Posts: 400
When I got my current Chase Ink card statement yesterday there was a charge for $3.50 on it that I didn't recognize. I called, they said it was an online video game purchase. When I told them it wasn't me they said they were going to have to close out this card and issue me a new one. I got the replacement card today, but it's a PITA to call everyone who auto bills to the card and give them a new number.
Have you ever heard of them doing this for a $3.50 fraud charge?
Have you ever heard of them doing this for a $3.50 fraud charge?
Whoever made the fraud purchase may put a very small charge one month, and then if that goes unnoticed they may try to use it for even larger transactions in future months...
Changing Autopayments is not fun...but it could be a lot worse :-)
#75
Join Date: Mar 2005
Location: Kansas City, MO
Programs: AA Gold
Posts: 3,648
Yes. It doesn't matter the amount. If it got past their fraud monitors then it is standard for companies to issue a new card #..same with most account compromises...
Whoever made the fraud purchase may put a very small charge one month, and then if that goes unnoticed they may try to use it for even larger transactions in future months...
Changing Autopayments is not fun...but it could be a lot worse :-)
Whoever made the fraud purchase may put a very small charge one month, and then if that goes unnoticed they may try to use it for even larger transactions in future months...
Changing Autopayments is not fun...but it could be a lot worse :-)