tonight i got a call from the fraud prevention department where i bank (Chase) they asked me to confirmed a recent activity on my credit card today worth $350.00 of groceries and another $18.00. i told them No, I never had used my cc today.
They told me that someone had attempted to purchased a groceries worth $350.00 today in a walmart in tennessee.
I said what???
She asked me if i lost my credit card, i said no! She then told me that she had to close my credit card account and will send me a new credit card within 5 business day. She instructed me to detroy the card, so i cut it into pieces right away.
How can they used my account or my credit card, since i never had lost it.
do these people who attempted to put fraud on my cc had a replica of my cc with my name and cc number?
I'm confused how they would do that?
Most of the time such things happen with either online purchases or phone purchases, because they only need the credit card number. Although with online that is becoming more difficult, you need also the security number off the back and possibly the password for the 'verified by visa' as well. To use a credit card number at a store when you don't have the actual credit card would probably either require a store employee doing it (such as a cashier) or a fake credit card with the 'stolen' number on it.
The good thing is that your bank caught it and stopped it from actually affecting you. Keep an eye on all your accounts, however, including your bank accounts. Also take a look at where you used that particular card within the past month and maybe you might be able to get some idea where the number was copied. Especially suspicious is any place that uses the old 'carbon type' credit card machines and didn't give you the carbon to dispose of.
Edited by MrkGrismer, 28 August 2009 - 12:43 PM.