Someone in San Francisco use my Discover account to order $20.80 worth of Door Dash. I'd imagine it could have been a mistake. I mean if you're going to steal a credit number, you aren't going to risk it for twenty bucks, right? I have no idea how they'd have got my card number. Does Door Dash not use the code on the back of the card?

Discover customer service, nixed the charge and is issuing a fresh card.

I doubt it was a mistake, they can buy your card number off of the internet. IME as someone who had their card number stolen, the police aren’t going to investigate no matter how much evidence you have. I don’t really blame the police either as I assume they have more important crimes to investigate, particularly in SF.

And yeah, the thief will use your card for 20 bucks worth of door dash. They likely bought dozens of numbers for pennies on the dollar. 20 bucks here and 20 bucks there adds up.

Get online and freeze the card ASAP.

quote:

I mean if you're going to steal a credit number, you aren't going to risk it for twenty bucks

They were testing to see if it worked.

Can you get the delivery address?

Asking for a friend.

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Someone in San Francisco use my Discover account to order $20.80 worth of Door Das

^^^^^^^^^^^^^^
That is so mundane. My last fraudulent charge was also from San Francisco. It was drinks at a Transgender Review. Prior to that my charge was for two tickets from Atlanta to Chicago and four thousand dollars worth of lumber at the Home Depot in Arlington Heights.

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four thousand dollars worth of lumber at the Home Depot

That's about six 2x4s and three sheets of plywood at today's prices.

Thanks needed a laugh this am.

quote:

Originally posted by Jelly:

quote:

I mean if you're going to steal a credit number, you aren't going to risk it for twenty bucks

They were testing to see if it worked.

That's it.

I have had my credit cards compromised more times that I can recall despite being relatively careful about how I use them. More often than not the first fraudulent charge is for just a few dollars. Unless it's a huge charge or there is some other unusual factor involved, I don't believe that there is any risk to the fraudulent user other than, perhaps, the loss of a few dollars.

So this was your first time? It won't be the last time.

I use a credit card just about every day, gasoline, groceries, routine purchases. This allows me to write one check every month to pay the bill instead of a dozen checks here and there. When the bill comes I always look at every charge listed, and two or three times every year there will be charges I never authorized. Call the toll-free number, follow up with written correspondence contesting the charge, and they always go away. Sometimes the bank will send me a new card and cancel out the old one.

The only thing I never receive is any report about who, or where, or what was done about it. The sheer volume of fraud in everyday commerce is beyond comprehension, much less effective enforcement action.

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Originally posted by LoboGunLeather:
So this was your first time? It won't be the last time. ...

Someone used my old debit card to pay a tax bill in England about 12 years ago. So this is my second time.

My fresh Discover card arrived yesterday and I think I've got all the recurring charges moved over to the new account. I hope I haven't forgotten any.

I have mentioned this before: check out some of the credit card issuers that support Virtual Cards.

I particularly like the way that Capital One works with Virtual Cards. I use this extensively and their system is fraud-resistant.

It's really, literally, awesome.

quote:

Originally posted by V-Tail:
I have mentioned this before: check out some of the credit card issuers that support Virtual Cards.

I particularly like the way that Capital One works with Virtual Cards. I use this extensively and their system is fraud-resistant.

It's really, literally, awesome.

I checked with Capital One and while I have a high limit card there and have for years, it's not eligible for the program, so I'd have to apply for a new credit card to get it.

That sucks.

That's just part of what we have to live with in the 21st century.

Good thing with credit card frauds you pretty much aren't liable for anything, you file a claim, get the funds reversed and a new card in the mail.

Still way safer than the alternative (cash, check, and god forbid a debit/ATM card).

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Originally posted by darkest2000:
That's just part of what we have to live with in the 21st century.

Good thing with credit card frauds you pretty much aren't liable for anything, you file a claim, get the funds reversed and a new card in the mail.

Still way safer than the alternative (cash, check, and god forbid a debit/ATM card).

Yep I’ve just been informed that I have been turned over to a collection fucking website in southern Texas for a goddamned $1198 past due electric bill in my name…What in the Literal Fuck is this shit???…until Biden I never even thought about this bullshit…let alone dealing with it…fuck this bullshit with the most invasive cactus in the universe

Sadly, credit card fraud is part of one’s financial life. To try to stay ahead of it, set up ‘alerts’ with card company. One could start with ‘card not present’ during a charge, then others.

Then of course skim through the statement somewhat. It can be hard, some of the charges have a name that’s not always obvious from where you bought from.

Another thing to do is a ‘credit freeze’, they may be up to 5 reporting agencies now. The freeze won’t do much to protect existing accounts, but it’s almost impossible for someone to claim your identity, financially.

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Originally posted by Bisleyblackhawk:

I’ve just been informed that I have been turned over to a collection fucking website in southern Texas for a goddamned $1198 past due electric bill in my name.

Fortunately, that's not hard to deal with.

You can download a form letter and massage it just a bit with a word processor, and send it to the collection company.

Send me an email if you can't find the form letter online, I'll send a copy to you.

^^^^^^^^^^^^^^
I am confused. He left out the word fraudulent. So this is a bogus charge of 1198??

quote:

Originally posted by Bisleyblackhawk:
Yep I’ve just been informed that I have been turned over to a collection fucking website in southern Texas for a goddamned $1198 past due electric bill in my name…

Really has nothing to do with credit card fraud, but is more a form of identity theft.

This is why everybody should not only freeze their credit with the three major credit reporting agencies (Equifax, Experian, and TransUnion), but also freeze their reporting with NCTUE (National Consumer Telecom & Utility Exchange) and ChexSystems.

I charge $80,000 to $100,000 every year. My card(s) get hacked about every 3 months on average. They always close the account, reverse the charges, and send me a new card. No big deal. Nothing to get the blood pressure up. No one cares. The cops don't care. The credit card companies don't care.

If I know what merchant it was used it, I usually call the security/fraud dept and let them know. They put fraud alerts on that card number and delivery address for future reference.