I used my personal credit card (guns, liquor, etc) tonight at a liquor store. When I got home I checked my accounts to see if a rental car charge had been posted yet. Lo and behold, two charges were there I had not made, several miles away and within 2 minutes of the liquor charge. As I was dialing Chase, an alert popped up. My card was being used to charge 146 bucks worth of Panda Express. I called Chase. Within 5 minutes, the card was de-activated and another being prepared for delivery. Chase was REALLY easy to deal with, and now the cops are, I presume, looking for a fat guy with Chinese food on his breath.

I’d like to think the police are doing that, but it would require Chase filing a complaint on someone they can’t prove did something and most likely have little interest in catching. Also likely the reason they’re so easy to deal with. I had a similar incident and Chase was great about it, but I doubt they put any further effort into it.

That kind of crap is enough to piss you off.

I have the notification limit on mine set to $1.00. As soon as I use it, I get a text message on my phone. Little bit of a pain, but I'm not complaining.

Chase will write it off and add it to that formula they use to calculates fees and interest you will pay to cover it.

quote:

Originally posted by jbcummings:
I’d like to think the police are doing that, but it would require Chase filing a complaint on someone they can’t prove did something and most likely have little interest in catching. Also likely the reason they’re so easy to deal with. I had a similar incident and Chase was great about it, but I doubt they put any further effort into it.

If he called the police and filed a report it would be very simple to pull camera footage from the Panda Express.

quote:

Originally posted by Black92LX:

quote:

Originally posted by jbcummings:
I’d like to think the police are doing that, but it would require Chase filing a complaint on someone they can’t prove did something and most likely have little interest in catching. Also likely the reason they’re so easy to deal with. I had a similar incident and Chase was great about it, but I doubt they put any further effort into it.

If he called the police and filed a report it would be very simple to pull camera footage from the Panda Express.

I don’t see that he had the opportunity. He said it popped up while he was talking to Chase and Chase replaced the card (probably stopped the transaction) but I caught no mention of the OP calling the police at anytime. As SigMonkey made mention, the bank will figure all this into their fees. The vendor out there that accepted the card/transaction will be minus a bunch, in this case, of Chinese junk food and won’t get paid for it by the credit card company.

With cc fraud costing banks, cc card companies, and merchants billions each year, I'm surprised that they haven't figured out a way to make the cardholder responsible for whatever is charged on the card, instead of just writing it off and ignoring it.

quote:

Originally posted by sigmonkey:
Chase will write it off and add it to that formula they use to calculates fees and interest you will pay to cover it.

And add it to this month's write offs (for taxes)

Oops! You already noted this.

$146 at Panda Express?!?

That is an explosive proposition.

Indeed. Almost it's own punishment, isn't it? I pay no fees or interest, BTW, other than those incorporated into the cost of the products. I use the cards for "free" stuff, and pay it off monthly. I also think it's just a bit safer than a debit card, but I could be wrong.

 
It happens. You really have no idea where they got your CC details, except sometimes like your experience where it closely follows a charge. The hackers buy and sell lists on the dark web, and it may sometimes be months before your CC number is used after being bought as part of a large list. The fact that you just made a charge somewhere may be misleading, just happenstance that they choose to use your number at that time.
 
Chase (and Discover) are very easy to deal with on fraud charges. They catch many and alert you, and now that I have my text alerts set to a very low trigger point, I sometimes catch them before the CC company does. Cancel account, they send you a new card. They will at first offer to send it "5-7 days", but if you plead hardship, they will overnight it to you at no extra charge.
 
One thing I do is never let the CC out of my sight (typically at a restaurant). I always pay cash when we eat out.
 

I stopped for gas on the NJ turnpike a few years back, paid with the AX card and within 15 minutes I had bought $2500 worth of stereo equipment in NYC. Nice I bet the store owner was pissed when he/she found out it was a bad charge. Chris

quote:

Originally posted by mikeyspizza:
With cc fraud costing banks, cc card companies, and merchants billions each year, I'm surprised that they haven't figured out a way to make the cardholder responsible for whatever is charged on the card, instead of just writing it off and ignoring it.

The cost of the losses are passed on to other card members through fees and interest rates.

quote:

If he called the police and filed a report it would be very simple to pull camera footage from the Panda Express.

Our local media generally has a couple of videos or screen shots on a DAILY basis of shoplifters, people presenting stolen credit cards etc. Of course Walmart seems to dominate. A number of these people are later caught. This is one advantage of living in a smaller community.

The interesting part is the card was used about 30 miles apart, two charges at a CVS and the Panda Express. I caught it early because I checked my balance very shortly after I used the card, and saw the CVS charges, then I got the text from Chase.

quote:

Originally posted by Fredward:
The interesting part is the card was used about 30 miles apart, two charges at a CVS and the Panda Express. I caught it early because I checked my balance very shortly after I used the card, and saw the CVS charges, then I got the text from Chase.

Did someone get a "hard copy" of your card? I can easily understand an internet purchase with a stolen card, but how can someone do that in person??

Look for a fat guy with Chinese food on his breath who has a vehicle that can travel thirty miles very quickly.

quote:

Originally posted by V-Tail:
Look for a fat guy with Chinese food on his breath who has a vehicle that can travel thirty miles very quickly.

Or one who has a wireless skimmer or a network hack into a liquor store's payment terminal.

You might want to call the owner/manager of the liquor store. It sounds like one of his employees stole your number. They might appreciate knowing they have a thief working for them as that person is probably also stealing merchandise from them or skimming cash from the register.

quote:

Originally posted by jbcummings:
I’d like to think the police are doing that, but it would require Chase filing a complaint on someone they can’t prove did something and most likely have little interest in catching. Also likely the reason they’re so easy to deal with. I had a similar incident and Chase was great about it, but I doubt they put any further effort into it.

We take this reports routinely. In cases where the card is being used locally, we obtain video and attempt to identify the people using the cards. We're moderately successful.