Chase fraud alerts & fraudulent charges [consolidated]
Oct 25, 2016, 4:26 am
#76
Join Date: Apr 2015
Posts: 456
Now here comes the other side to the problem... do I really WANT Chase to learn my spending patterns better? More specifically, do I want them to learn my wife's spending patterns? At least right now, these fraud alerts slow her down a little bit when she's out binge shopping....
Last edited by mia; Oct 25, 2016 at 7:55 am Reason: Formatting
Oct 27, 2016, 7:05 am
#77
Join Date: May 2010
Location: ORDwest
Posts: 332
I've found that Chase gets really aggressive with fraud alerts every time I get a new card with them.
When I got the new Sapphire Reserve a couple months ago, the first few weeks I was being locked out literally every second day due to security flags. It got to the point where I was actually being recognised by the operators at the "security department" since I was calling so often. Often, the same transactions that were being rejected on the Sapphire Reserve were being approved on the Sapphire Preferred when I tried to use that a few seconds later. For the last few weeks though, I have had no issues so the algorithm has obviously learned my spending patterns better.
The same thing happened when I opened my Sapphire Preferred a few years ago and also when I opened my Mileage Plus Explorer a few years before that.
My charges with Chase tend to be primarily in Africa/Middle East and for travel transactions in my own and third party names at short notice (book to fly same day or next day), so traditionally "high risk" type transactions.
When I got the new Sapphire Reserve a couple months ago, the first few weeks I was being locked out literally every second day due to security flags. It got to the point where I was actually being recognised by the operators at the "security department" since I was calling so often. Often, the same transactions that were being rejected on the Sapphire Reserve were being approved on the Sapphire Preferred when I tried to use that a few seconds later. For the last few weeks though, I have had no issues so the algorithm has obviously learned my spending patterns better.
The same thing happened when I opened my Sapphire Preferred a few years ago and also when I opened my Mileage Plus Explorer a few years before that.
My charges with Chase tend to be primarily in Africa/Middle East and for travel transactions in my own and third party names at short notice (book to fly same day or next day), so traditionally "high risk" type transactions.
The only issue I had was trying to buy DB Bahn tickets online for upcoming travel in Germany. The website rejected my CSR - problem with the expiry date or the CVV. After a second try to make sure it wasn't my input error, I used another card (non-Chase, no FTF). There was no fraud alert or any sort of rejection on Chase's part, so it doesn't seem like they ever saw the attempted transaction.
Oct 29, 2016, 8:31 am
#78
Join Date: Apr 2003
Location: DFW, DAL
Programs: AA Lifetime Plat, SWA A-list +
Posts: 1,007
that is why chip and PIN is a much more secure route, however, cc companies dont like it because its an extra step at check out
Oct 31, 2016, 8:48 pm
#79
Join Date: Oct 2015
Posts: 409
Have had my Chase Sapphire Reserve for all of 2 months and just got hit with fraudulent charges last week! I've been using primarily for plane tickets and at restaurants/cafes. My two guesses are either at McDonalds (I used one of those kiosks, so maybe there was a skimmer?) or an online purchase I made for theatre tickets in London.
I got an email from Chase with the fraud alert. Not being a longtime Chase customer, I didn't know if I should trust it (the email looked a little wonky) so I checked my online account and also the app. No mention of any fraud alert which was surprising to me, and I wasn't going to click on any suspicious links via email. So I called and they verified there was indeed an alert and I took care of everything on the phone.
Wish there was a way to handle it via app.
I also didn't get a text, but maybe I need to enable this.
I got an email from Chase with the fraud alert. Not being a longtime Chase customer, I didn't know if I should trust it (the email looked a little wonky) so I checked my online account and also the app. No mention of any fraud alert which was surprising to me, and I wasn't going to click on any suspicious links via email. So I called and they verified there was indeed an alert and I took care of everything on the phone.
Wish there was a way to handle it via app.
I also didn't get a text, but maybe I need to enable this.
Oct 31, 2016, 8:57 pm
#80
In Memoriam, FlyerTalk Evangelist
Join Date: Jun 2000
Location: Benicia CA
Programs: Alaska MVP Gold 75K, AA 3.8MM, UA 1.1MM, enjoying the retired life
Posts: 31,849
The only issue I had was trying to buy DB Bahn tickets online for upcoming travel in Germany. The website rejected my CSR - problem with the expiry date or the CVV. After a second try to make sure it wasn't my input error, I used another card (non-Chase, no FTF). There was no fraud alert or any sort of rejection on Chase's part, so it doesn't seem like they ever saw the attempted transaction.
Oct 31, 2016, 9:57 pm
#81
Join Date: Mar 2007
Location: SJC/SFO
Programs: WN A+ CP, UA 1MM/*A Gold, Mar LT Tit, IHG Plat, HH Dia
Posts: 6,284
I don't mind Chase's fraud alert system. In fact I think it's very effective. What I'm upset about is how often fraud happens! Three times this year different Chase cards of mine have been compromised. It happens far more often with Chase than with the cards from any other bank I carry.
Oct 31, 2016, 10:32 pm
#82
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
I don't mind Chase's fraud alert system. In fact I think it's very effective. What I'm upset about is how often fraud happens! Three times this year different Chase cards of mine have been compromised. It happens far more often with Chase than with the cards from any other bank I carry.
Nov 1, 2016, 5:14 pm
#83
Join Date: Mar 2007
Location: SJC/SFO
Programs: WN A+ CP, UA 1MM/*A Gold, Mar LT Tit, IHG Plat, HH Dia
Posts: 6,284
I've had fraud on Chase case I've left in a locked drawer for months at a time. Cards from Amex, Citi, and US Bank I've used regularly have had nowhere near the frequency of problems seen with Chase. Based on discussions here on FT I know I'm far from the only person with such experience.
Nov 8, 2016, 1:04 am
#84
Join Date: Apr 2015
Posts: 456
When you say it's not "confirmed" you mean what... that Chase has not admitted it publicly? Pfft.
I've had fraud on Chase case I've left in a locked drawer for months at a time. Cards from Amex, Citi, and US Bank I've used regularly have had nowhere near the frequency of problems seen with Chase. Based on discussions here on FT I know I'm far from the only person with such experience.
I've had fraud on Chase case I've left in a locked drawer for months at a time. Cards from Amex, Citi, and US Bank I've used regularly have had nowhere near the frequency of problems seen with Chase. Based on discussions here on FT I know I'm far from the only person with such experience.
As for me, it seems I've been lucky in terms of fraud. I use my CC's almost everywhere, even for fast food and have only ever had one problem which was with a Capital One card. At the time, I had been at sea for 6 months and had just come back to the States for less than a week when someone started racking up weird charges (including their home electric bill, which doesn't seem the brightest move if you're looking to avoid being caught). I had also used my CC exactly once during that period, so I'm sure that was useful to identify potential suspects.
Nov 8, 2016, 4:45 am
#85
Join Date: Dec 2004
Posts: 7,904
I've had fraud on Chase case I've left in a locked drawer for months at a time. Cards from Amex, Citi, and US Bank I've used regularly have had nowhere near the frequency of problems seen with Chase. Based on discussions here on FT I know I'm far from the only person with such experience.
Nov 27, 2016, 2:36 pm
#86
Join Date: Mar 2016
Posts: 11
Chase compromised again?
Noticed a few fraudulent charges pop up on my CSR within the past few days. Card has only been used to book airfare online through the carriers themselves and my laptop is clean (formatted and reimaged before and after every international trip per corporate policy).
Nov 27, 2016, 3:55 pm
#87
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,141
Dec 2, 2016, 6:05 pm
#88
Join Date: Oct 2006
Posts: 861
Big Miss on Fraud Alert
I have a JPM Select card that is usually a bit jumpy, with alerts for small purchases which becomes a nuisance. A few weeks ago, the card was stolen and I didn't discover it for a few days. In that few days, someone(s) used the
card for over $11,000 in purchases, 5 or 6 a day, in a geographical
area I've never been and in stores that are not ever in my shopping
behavior patterns. Never set foot in a Petco, Victoria's Secret, Kohl's,
among many others. Shouldn't the detection of this been a no brainer?
Of course I am not liable, but it's shocking that the card could be used
so aggressively and irregularly for days without any alert to me. And
yet, trying to spend $60 at a drug store across the street set off alarms.
Anybody have a similar experience?
card for over $11,000 in purchases, 5 or 6 a day, in a geographical
area I've never been and in stores that are not ever in my shopping
behavior patterns. Never set foot in a Petco, Victoria's Secret, Kohl's,
among many others. Shouldn't the detection of this been a no brainer?
Of course I am not liable, but it's shocking that the card could be used
so aggressively and irregularly for days without any alert to me. And
yet, trying to spend $60 at a drug store across the street set off alarms.
Anybody have a similar experience?
May 23, 2017, 9:59 am
#89
Join Date: Jun 2016
Programs: AA, United, Hilton, IHG, Carlson, Hyatt, SPG
Posts: 47
Fraud on Chase
In the past year 3 of my credit cards had Fraud Alerts - all CHASE cards, never any other card. My Hyatt card had fraud twice this year and I hardly ever use the card.
Does anyone else notice this happens with Chase?
Mystic
Does anyone else notice this happens with Chase?
Mystic
May 23, 2017, 10:12 am
#90
Join Date: Dec 2009
Location: New York, NY
Programs: AA Gold. UA Silver, Marriott Gold, Hilton Diamond, Hyatt (Lifetime Diamond downgraded to Explorist)
Posts: 6,776
I've had far more instances on my Amex cards. I think it's more about where and how the cards are used than the company issuing it.
Fraud can cost a CC issuer a lot of money and hassle (depending on how the transaction is processed).
Fraud can cost a CC issuer a lot of money and hassle (depending on how the transaction is processed).