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#1 JLW36

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Posted 28 August 2009 - 04:12 AM

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??? ohmy.gif
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?

Edited by JLW36, 28 August 2009 - 04:22 AM.

My Daugther's IR2 Visa Timeline

October 03-2011-Sent the Application for I-130 Package
October 07-Received USCIS acceptance of Application by e-mail
October 12, 2011-Received Notice of Action by Mail
April 27,2012-Finally Petition is approved!
May 3,2012-Received NOA 2 in the mail
May 29,2012-NVC assigned Manila Case Number MNL2012XXXXXX
May 30,2012-Assigned myself as the Choice of Agent for (DS3032)
June 3,2012-Received and Paid AOS Bill Invoice Bill
June 7,2012-Registered as The Choice of agent
June 7,2012-Receieved and Paid Immigrant Visa Application Bill Invoice
June 10,2012-Complete/signed forms DS230, Affidavit of Support I-864, I-864A
June 26,2012-Mailed all required documents to NVC
July 11,2012-NVC Case Complete!
Aug 6 & 7 - Medical Schedule
Aug 15 - Interview Appointment @ 6:15AM
Aug 15 - Interview Approved.
Aug 23 - Visa/Packet Received
Oct 15 - Bound for PI to pick her up.
October 31, 2012 - Our(POE)Atlanta, Ga.

November 12, 2012- She got her 10 years Greencard

N-400 (U.S Citizenship)
March 08,2011-Mailed package Application for U.S Citizenship
March 17-Receipt Notice (Form I-797C)Received by E-mail
March 21-Recieved I-797C by mail
April 12-Biometrics @ 8AM
August 4-Interview @ 8:40AM. Interview & Oath taking the same day.

I-751 Petition to Remove the Conditions of Residence
June 01,2009-Submit my application (VSC)
June 12-Received NOA 1
June 19-Received Biometrics Appointment
July 08-Biometrics Schedule
Oct 25-Request for the removal of condition approved
Oct 29-Production of the new card
Nov 07-Got my 10 years Greencard

Mom's 2006 IR5


#2 MrkGrismer

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Posted 28 August 2009 - 12:43 PM

QUOTE ( JLW36 @ Aug 28 2009, 12:12 AM) <{POST_SNAPBACK}>
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??? ohmy.gif
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.

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#3 zzzlpr

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Posted 28 August 2009 - 01:13 PM

Keep a close look at your CC transactions.
It might be possible that there are some illicit transactions pending that were not been finalized and some legitimate ones that will bounce back.

People think that online is the biggest breach in CC security, when in reality is when you handle the card to someone.
For example, you give the card to the waitress in a restaurant, and few minutes later she comes back with the receipt.
She can pass your card through a reader and now can clone it.

Cheers,

Carlos.


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#4 kbryan

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Posted 28 August 2009 - 01:14 PM

Something similar hapened to me awhile ago. Since it is rare to use carbons these days ...that was not it. An employeee of a store I used my card at, stole the number and was attempting to use it. Same solution, cancel card and reissue a replacement.

#5 JLW36

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Posted 29 August 2009 - 01:30 AM

Since the account has been closed, i can't keep a close look of any pending transactions put within that credit card. it is now inaccessible . That was the only 2 transactions they had informed me. for the last month i can't remember any suspicious store or place where I use the said cc or handed it to a cashier when paying and not paying attention to it.
we just need to be extra careful when using our credit card esp. nowadays.
thank you for all your comments. I learned something from this experience.

My Daugther's IR2 Visa Timeline

October 03-2011-Sent the Application for I-130 Package
October 07-Received USCIS acceptance of Application by e-mail
October 12, 2011-Received Notice of Action by Mail
April 27,2012-Finally Petition is approved!
May 3,2012-Received NOA 2 in the mail
May 29,2012-NVC assigned Manila Case Number MNL2012XXXXXX
May 30,2012-Assigned myself as the Choice of Agent for (DS3032)
June 3,2012-Received and Paid AOS Bill Invoice Bill
June 7,2012-Registered as The Choice of agent
June 7,2012-Receieved and Paid Immigrant Visa Application Bill Invoice
June 10,2012-Complete/signed forms DS230, Affidavit of Support I-864, I-864A
June 26,2012-Mailed all required documents to NVC
July 11,2012-NVC Case Complete!
Aug 6 & 7 - Medical Schedule
Aug 15 - Interview Appointment @ 6:15AM
Aug 15 - Interview Approved.
Aug 23 - Visa/Packet Received
Oct 15 - Bound for PI to pick her up.
October 31, 2012 - Our(POE)Atlanta, Ga.

November 12, 2012- She got her 10 years Greencard

N-400 (U.S Citizenship)
March 08,2011-Mailed package Application for U.S Citizenship
March 17-Receipt Notice (Form I-797C)Received by E-mail
March 21-Recieved I-797C by mail
April 12-Biometrics @ 8AM
August 4-Interview @ 8:40AM. Interview & Oath taking the same day.

I-751 Petition to Remove the Conditions of Residence
June 01,2009-Submit my application (VSC)
June 12-Received NOA 1
June 19-Received Biometrics Appointment
July 08-Biometrics Schedule
Oct 25-Request for the removal of condition approved
Oct 29-Production of the new card
Nov 07-Got my 10 years Greencard

Mom's 2006 IR5


#6 kbryan

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Posted 29 August 2009 - 02:11 AM

Hmmmm I was able to follow the old account as well as the new account since they were merged. I would keep in touch with your CC Company and be sure they are aware of your bona fide charges.

Yes using online sites with https...at the beginning would be a good start.

Edited by kbryan, 30 August 2009 - 01:58 AM.


#7 Russel

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Posted 30 August 2009 - 01:53 AM

Just a tip when shopping online: Always look at the address on the page you enter financial info on. If it doesn't start with HTTPS, big red flag. That's with an S at the end of HTTP. It means it is somehow secured by encryption.

Make sure the address makes sense. ie, www.amazon.com vice www.amizon.com Don't know if that site exists, but if it did, and it looked like the real site, you might be tricked into giving away your info, and never receiving any goods.

Use PayPal instead if possible and it suites you. Again, check the address before confirming or logging in.

#8 Smitty91

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Posted 30 August 2009 - 02:43 AM

Are you sure it was actually the bank calling you? Maybe that was the fraud part.
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