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Author Topic: [CC Fraud] Awkward conversations with customer service  (Read 399 times)
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« on: July 13, 2012, 07:25:43 PM »

I got a fraud alert in my email that someone had tried to make a $50+ purchase on something in the UK with my credit card, but was rejected.

I called them and asked them what the purchase was for. The rep said it was on online transaction with "", which I had never heard of. I told her to hold on while I punched it in to a browser. As I'm doing that, she says, "it's an escort service."

Well, at that point I stop typing (I'm at work) and am very adamant that, "ha ha, well that DEFINITELY wasn't me!"

I'm not sure if I misheard her, because when I pulled up on my phone it was just an isp page.

I am mostly wondering how they got my credit card number.

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« Reply #1 on: July 13, 2012, 07:41:57 PM »

you could always ask MO about it.

Because I can,
also because I don't care what you want.
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« Reply #2 on: July 13, 2012, 09:14:14 PM »

"ha ha, well that DEFINITELY wasn't me!"
Yeah, yeah, that's what they all say.   The Weghted Companion Cube will never threaten to stab you.

I think the only time I got a Fraud Alert was after charging $68 for lunch at a restaurant I hadn't used the credit card at before. I had just treated an out-of-work pal to lunch there and we got a bit carried away with appetizers and N.Y. Strip Steak Sandwiches.

They actually put a stop on my card, and I was kind of mortified at Panera the next week when they said the card wouldn't go through. I could understand an alert for the $68, but actually rendering the card unusable without checking with me first seemed a bit much.

I had a female friend who left her card at a beauty salon down in Florida a few years back. By the time she realized the card was lost, the culprit had used it for all sorts of strangely minor things -- probably to avoid having to sign for the card -- like gassing up a car, fast food restaurants, small amounts of stuff at grocery and department stores. This made it kinda tough for her (initially anyway) to prove those weren't her own purchases. I think she had to prove she was no longer in Florida at the time they occurred.

So I think it's good they do alerts on things that seem out of the ordinary (massive expenditures, strange businesses/stores etc.), but it does pay to scan one's monthly statement even for minor things to make sure someone isn't being sneaky.  paranoid

In my newspaper days we once covered a local scandal where an assistant town manager was using his corporate AmEx card to buy thousands of dollars of personal items, including lingerie for his wife. Now he was, technically, gradually paying back the personal dollars spent but the whole idea of the corporate card was to separate business and personal expenses. I found it strange AmEx never put out some sort of alert that "Hey, is Victoria's Secret part of 'town business'"?  icon_razz
« Last Edit: July 13, 2012, 09:19:18 PM by Blackjack » Logged

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« Reply #3 on: July 13, 2012, 10:28:15 PM »

I have received several calls from my bank or a bank asking whether a credit card purchase or certain activities were okay. Once while my parents were vacationing back east I received a call (not sure how they got my number) asking about purchases being made with their credit card back east. I told them everything was fine. I have also received calls regarding a purchase on my business card in LA that was not authorized, as someone had apparently got my info.

Customer service has always been really nice and ever since the attempted fraud on my card I have no problem with them calling to check on the cards use.
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