credit card fraud

[Donuthole]

Wow. How did they flag the charges as suspicious? Amazes me how good the fraud detection machine learning algorithms are.

I didn't really get into that with the bank, but I would guess it had something to do with the time of the purchases (all made between 2am and 4am pacific) and the size and number of transactions (5 attempted purchases, all in excess of $600). I'm guessing neither of those jibes with our purchasing habits. I have joked with Mrs. D, however, that what likely triggered the fraud detection was the fact that the items weren't added to our shopping cart and then left sitting in limbo for a week or two while she scours the internet for a better deal. That they added an item to the shopping cart and pulled the trigger within minutes was likely a dead giveaway. She didn't think that was as funny as I did.

As for why they made a bunch of transactions instead of just one with everything in it, I'm wondering if they were concerned about exceeding the limit on the card? And the plan was just to make $700 purchases until either the fraud detection kicked in or the card was maxed out?

[SCcoug]

Our SamsClub.com account was hacked on the day after Christmas. Two large ($650-750 each) purchases were made at Sams.com, and three others attempted purchases were rejected. We were notified by our bank that our visa card had suspicious activity and, after taking a quick look, I promptly called and cancelled the old card and had a new card issued. We are being credited back for the purchases. The strangest thing about it all was that the purchases that were made were online purchases which were shipped to our home address. One of them (an apple watch) was already in transit to our house, and the other (an iPad) was set to ship shortly. We redirected the already-shipped apple watch to a UPS store and canceled the shipping on the iPad. Perhaps they were planning on camping out and stealing the items when they were dropped on our porch, but that assumes they are local and that we wouldn't be at the house? Not sure.

Glad our bank notified us so quickly and we were able to prevent any further abuse. Annoyed, though, that I had to change my CC number, as I had that one memorized, and it had the easiest 3-digit CVV number ever.

Are you sure the fraud wasn't coming from inside the house?

[falafel]

Are you sure the fraud wasn't coming from inside the house?

[Walter Sobchak]

Annoyed, though, that I had to change my CC number, as I had that one memorized, and it had the easiest 3-digit CVV number ever.

You will also have to track down all of your bill auto-payment profiles and update them. Have fun!

[Donuthole]

You will also have to track down all of your bill auto-payment profiles and update them. Have fun!

Yep. Thankfully my bank identifies them and does it for me.

[Uncle Ted]

Just got my apple card on New Years eve. From the time I clicked on the email inviting me to apply, to acceptance = 20 seconds. To get the card into my apple wallet on my iphone: 25 seconds. To get the physical card: 3 days. Although my husband scoffs at my low limit. I dont know what I am going to do with it, but it was free. There are no numbers on the card itself, no acct numbers, no expiration dates, no security codes, so maybe I can use it at the gem faire without fear.

What I have been doing with the card, is dropping it on tables and desks near my husband. It has the most satisfying metal clank. Not sure if it is stainless steel or what, but it's fun to listen to. I also like that I can regenerate a new CC number at any time, for any reason, right from my phone. So new number in 5 seconds.

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Uncle Ted approves of this posting.


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