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post #1 of 12 Old Sep 4th, 2012, 8:48 pm Thread Starter
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Glad I checked

Getting ready to leave on a vacation ride from Oregon to Santa Fe, Taos, & Durango. Thought I would check to make sure all bills were paid before we leave. When I pulled up my on line checking account & tie in with my debit card, I discovered multiple charges I did not make. There were charges for 3 on line dating services, on line purchases for wine, flowers, & gourmet chocolates, totalling almost $400.00. This happened on the 3 day weekend, & my credit union was closed. Called VISA & they put a stop on the card. The credit union is sending me the paperwork to claim fraudulent use of my account, & they tell me when they get that back they will put the money back into my account. Can just imagine the problems if the SOB doing this got really adventuresome & cleaned out my checking account while I'm on my trip. Word to the wise, check your bank accounts daily. My debit & credit cards never leave my hand. When dinning out, I carry it to the register, not trusting the wait staff to copy the number & go shopping on me.
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post #2 of 12 Old Sep 4th, 2012, 9:03 pm
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Re: Glad I checked

Wow that is scary, good thing you checked, I've never done that but now I will

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post #3 of 12 Old Sep 5th, 2012, 6:37 am
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Re: Glad I checked

It happened to me with my Company CC. I had 3 charges on my bill but Chase said 6 others were declined for improper information. Chase pulled all charges & sent me a new card over night air. I'm 99% sure where my card was compromised as I only use it at the same 5 or 6 places (mostly gas) & I had used it in Waco at a gas station I Never use. Chase said they have had trouble with card info getting stolen before & a few cards were used at this same station but it is hard to prove the station knows about the problem. I check my card online every few days.

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post #4 of 12 Old Sep 5th, 2012, 9:27 am
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Re: Glad I checked

Just had that happen with my Capital One credit card. They contacted me with some suspicious charges, I confirmed they weren't mine, so they cancelled the card and said I would get a new one in about a week. I waited a couple of days, then went on-line to check the account. There were another $600 in fraudulent charges so I contacted Capital One and they also removed all of those charges. This seems to happen about every two years, but Capital One has been great about taking care of things.

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post #5 of 12 Old Sep 5th, 2012, 10:31 am
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Re: Glad I checked

Not attempting to 1-up anyone but last week I received a low balance e-mail from the bank related to my checking account. I had set it at $50 which will never happen.
But . . .

I was on the way home and I logged onto my bank site and my checking account was gone! My linked savings was there but the checking with $4,100 was gone. Called the security number and they said I had made a request that it be closed and a check sent to my address of record.

No way, Jose!

My payroll direct deposit was scheduled within twelve hours and it would bounce if there was no account. I asked for the name of the person who had closed the account and the agent hesitated but I told them it was fraud and I would be filing a police report and would state that the bank and he specifically, was uncooperative. He finally gave her up. He said he didn't have authority to re-open the account and transferred me to a supervisor who was in another state.

He was able to open the account at midnight and then a direct deposit was accepted at 5 AM. I told them to place a stop payment on the check and deposit my funds back in the account. He said it was already at the processing center and it couldn’t be stopped and I would get the check.

The next morning I filed a police report and went to the local branch and talked with the Assistant Vice President (AKA manager) and he couldn’t fathom how it could happen with all of their security checks. He made a number of calls which went in voice mail and promised to call me back as soon as he had info.

I was leaving work the next day at noon for the Labor Day week end and asked my neighbor to be on the look out for a plain envelope that might be a check. She sent me a text on Saturday. . nada!

Holiday on Monday.

I went home at lunch time on Tuesday and still no check so back to the branch. Explained very sanely that my next option was to contact the FBI since it was an interstate issue since I had talked to the senior agent in another state. I would make the call at 4 PM.

Guess what? At 3:30 PM my funds were back in place, the check is "lost" and I received a wonderful apology from the Assistant Vice President. They explained that it was “clerical error” Hopefully the employee is in cuffs and awaiting arraignment.

Time to officially close this account and walk down to the corner to another banking institution. Fortunately I have another account in another institution that I use strictly for my reimbursed business activities so I had cash on hand.

btw, had a similar experience with my Capital One M/C. They sent me a new card and deleted the fraudulent charges

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Last edited by PMitchell; Sep 5th, 2012 at 10:43 am.
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post #6 of 12 Old Sep 6th, 2012, 11:52 am Thread Starter
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Re: Glad I checked

Quote:
Originally Posted by GUNTER1100
Getting ready to leave on a vacation ride from Oregon to Santa Fe, Taos, & Durango. Thought I would check to make sure all bills were paid before we leave. When I pulled up my on line checking account & tie in with my debit card, I discovered multiple charges I did not make. There were charges for 3 on line dating services, on line purchases for wine, flowers, & gourmet chocolates, totalling almost $400.00. This happened on the 3 day weekend, & my credit union was closed. Called VISA & they put a stop on the card. The credit union is sending me the paperwork to claim fraudulent use of my account, & they tell me when they get that back they will put the money back into my account. Can just imagine the problems if the SOB doing this got really adventuresome & cleaned out my checking account while I'm on my trip. Word to the wise, check your bank accounts daily. My debit & credit cards never leave my hand. When dinning out, I carry it to the register, not trusting the wait staff to copy the number & go shopping on me.
A follow up;My credit union asked me to contact the providers that charged my account to see if they were willing & able to refund the charges to my checking account. I contacted all of them & guess what? All of them apologized, told me they had been notified of the fraudulent purchases, & were already refunding the charges. A happy ending.
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post #7 of 12 Old Sep 6th, 2012, 12:42 pm
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Re: Glad I checked

When dinning out, I carry it to the register, not trusting the wait staff to copy the number & go shopping on me.

THAT is a policy I'm going to put in place immediately. NO downside! thanks.


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post #8 of 12 Old Sep 7th, 2012, 9:31 am
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Re: Glad I checked

We've had it happen twice. And both times right before going out of town. Dating services were used each time and once a coffee shop in Israel. The second time they used Yahoo! Personals and had problems, so Yahoo! contacted the card issuer who then contacted us while we were already on the way to the local branch after finding the problems ourselves.

Bed, Bath & Beyond was a nightmare to deal with because one of the charges was an online order with them. They'd give NO information because we didn't place the order even though it was our credit card.

Chris Ehlbeck
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post #9 of 12 Old Sep 7th, 2012, 8:36 pm
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Re: Glad I checked

I have had a couple of issues myself, and I have to give Chase MasterCard a couple of big kudo!

The first time was several years ago. Chase actually called me to query a charge that was made on my card. Apparently, the charge did not fit my spending habit, or something like that. An $800 charge for a ticket on Jet Blue to Jamaica! Of course, I didn't make the booking nor knew anything about it, and so the agent promptly denied the charge, closed the account and overnight us new cards with new account number.

The second occurrence was just a month, or so, ago. This time, I had been going online into my Chase MasterCard account, just to check, every so often. I had set up the account with e-mail alerts (which I very strongly recommend for anybody who has a Chase MasterCard account), one of the alerts was for any time that a charge was made to the account online. It is very handy for checking to make sure that purchases that you make goes through properly, BUT this time, I had an e-mail alert that $160 and some change was made to my account from Golfsmith International. I went online into my account and saw the charge pending, with a couple of other $1 charges, which indicate that more were in progress of being charged to the account. Called up Chase, and they immediately shut down the account and denied all of the improper charges. Again, I got my new card with new account number overnight.

I still have no ideas as to how somebody could have gotten my numbers and security data to make those charges, but they do happen, and all that we can do is to be vigilant.

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post #10 of 12 Old Sep 8th, 2012, 12:40 am
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Re: Glad I checked

Quote:
Originally Posted by RonKMiller
When dinning out, I carry it to the register, not trusting the wait staff to copy the number & go shopping on me.

THAT is a policy I'm going to put in place immediately. NO downside! thanks.
+1
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post #11 of 12 Old Sep 8th, 2012, 4:20 am
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Re: Glad I checked

Happened to me also, I noticed 2 charges to FlyDubai and immediately called Capital One. They said that someone had tried to use it at JetBue but been denied. Capital One put the money back in my account and gave me a new card. Later we found out it was a waiter at one of our favorite restaurants who got caught stealing the info from people. I was asked at first if I was sure I hadn't bought the tickets but as I am a retired US Airways employee I told them I could fly for free if I really wanted to. Capital One really worked for me but I am glad that I check my account most every day.
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post #12 of 12 Old Sep 8th, 2012, 7:36 am
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Re: Glad I checked

Been there had that. Someone purchased 79 dollars worth of porn with our card. The CC company froze the account and then called us to tell us what was going on. It's part of their unusual activity policy. We closed that account and they sent us new cards the next day. A real pain for those of us who use the cards for paying monthly bills online.

Of course it can backfire. When I was using the card to make reservations for this year's trip I got as far as Williams, AZ. After that I couldn't use it to make reservation deposits. I was consistently told that the card number or expiration date that I had entered was incorrect. It was late so I figured I'd call the company in the AM.They called me instead.

I was told the account was frozen due to "unusual activity." Reservations at KOAs in IL, KS, CO, UT, etc. I verified that they were correct charges and there were no further issues.

Here's the important safety tip. My account was frozen because they observed multiple charges all over the country. They can freeze the account of someone who is traveling cross-country until the expenses are verified by the card owner. However, you may call your company and inform them that you will be travelling and they will therefore see multiple charges from different locations. This will prevent them from freezing your account just as you're paying for a terrific meal at a nice restaurant. (That happened to my wife and me in Washington State several years ago.) Just an FYI for you long distance riders.

All previous posts have some great suggestions. We are now using something similar to PadG's post.

"Let's be careful out there." Sgt. Phil Esterhaus, Hill Street

Take care,
Chris

"Peculiar travel suggestions are dancing lessons from God" Kurt Vonnegut

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