Comments on: Goodie, my first fraudulent charge! http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/ Over Four Years of Personal Finance, Consumer Spending, Crazy Products and Boring Blog Posts. Good grief. Tue, 16 Mar 2010 00:35:29 -0700 http://wordpress.org/?v=2.8.4 hourly 1 By: Cari Davis http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/comment-page-1/#comment-143582 Cari Davis Fri, 10 Apr 2009 18:44:40 +0000 http://www.stopbuyingcrap.com/?p=82#comment-143582 For Bank of America, call directly to 877-366-1211. You get a person right away - this is the line to call for online fraud. I noticed a couple of suspicious activities on my account this morning - still pending activities - but the person on the phone was very friendly and extremely efficient. I always get the name of the person who answers and make it a point to use his/her name frequently when I am explaining my problem or concern. This always seems to help. I was able to cancel my card, will receive a new card and was able to obtain a temporary card at the bank this morning. My younger sister works as a fraudulent officer for BofA, so she has always advised me on the procedures and on protecting my card. I check my account online regularly - almost daily. For Bank of America, call directly to 877-366-1211. You get a person right away – this is the line to call for online fraud. I noticed a couple of suspicious activities on my account this morning – still pending activities – but the person on the phone was very friendly and extremely efficient. I always get the name of the person who answers and make it a point to use his/her name frequently when I am explaining my problem or concern. This always seems to help. I was able to cancel my card, will receive a new card and was able to obtain a temporary card at the bank this morning. My younger sister works as a fraudulent officer for BofA, so she has always advised me on the procedures and on protecting my card. I check my account online regularly – almost daily.

]]> By: StopBuyingCrap.com » Get Rid of Fees? Just ask! http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/comment-page-1/#comment-177 StopBuyingCrap.com » Get Rid of Fees? Just ask! Sat, 29 Oct 2005 11:31:56 +0000 http://www.stopbuyingcrap.com/?p=82#comment-177 [...] During the previously mentioned check card fraud fiasco, I went into a process of unlinking the compromised checking account to online bill pays. Unfortunately I missed changing one of the bill pay — or rather I thought I changed it but didn’t. So when you try to pay a $1,500 credit card bill with $0 balance checking account, you get a big fat red number: [...] [...] During the previously mentioned check card fraud fiasco, I went into a process of unlinking the compromised checking account to online bill pays. Unfortunately I missed changing one of the bill pay — or rather I thought I changed it but didn’t. So when you try to pay a $1,500 credit card bill with $0 balance checking account, you get a big fat red number: [...]

]]> By: Cap http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/comment-page-1/#comment-132 Cap Thu, 06 Oct 2005 07:56:38 +0000 http://www.stopbuyingcrap.com/?p=82#comment-132 Nev: That could very well be it.. they may have limited down the possible numbers and started generating 'em till whichever one works. *shrug* it seems like this may be the case too cuz the last 4 digit on my card is actually posted on the charge. That's a bit weird. Although so far this looks like people trying to hide small monthly charges in accounts. Depending on your card usage, it may be easy to miss the small charge. Rahul: Yeah just bothers me because I'm wondering how my check card number got leaked. It was stored on a few online accounts, but its been so long ago.. pfadvice: yeah ure right, I'm going to close/change the checking account. Better safe than sorry. mbhunter: well I duno, I would demand the right service too. the calls I had to made just to get the charge off was quite annoying. For whatever reason I kept getting transferred. "Oh since this is an online charge, I'll have to transfer you to the online fraud department." and when I finally got there, she transferred me again. Argh! Nev: That could very well be it.. they may have limited down the possible numbers and started generating ‘em till whichever one works. *shrug* it seems like this may be the case too cuz the last 4 digit on my card is actually posted on the charge. That’s a bit weird.

Although so far this looks like people trying to hide small monthly charges in accounts. Depending on your card usage, it may be easy to miss the small charge.

Rahul: Yeah just bothers me because I’m wondering how my check card number got leaked. It was stored on a few online accounts, but its been so long ago..

pfadvice: yeah ure right, I’m going to close/change the checking account. Better safe than sorry.

mbhunter: well I duno, I would demand the right service too. the calls I had to made just to get the charge off was quite annoying. For whatever reason I kept getting transferred. “Oh since this is an online charge, I’ll have to transfer you to the online fraud department.”

and when I finally got there, she transferred me again. Argh!

]]> By: mbhunter http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/comment-page-1/#comment-129 mbhunter Wed, 05 Oct 2005 21:57:23 +0000 http://www.stopbuyingcrap.com/?p=82#comment-129 I had my Chase CC number compromised with a fraudulent charge. I got a new card, but had to reset all of the services that used the old card. Plus, a few times I couldn't use my card because some algorithm suspected fraudulent activity, locked my account without notifying me, and I had to call the next day to get it unlocked. Discover used to call up my mom to ask about such activities, but they never put a lock on her account before they called her. I'm a BZ for them because I pay off my balance every month, so I can't really blame them for inconveniencing me with the hair-trigger lock and the effort on my part to get may account reinstated when I didn't do anything wrong. Guess it saved them paying out 3% on that one gas purchase I would have made. But then again, I usually demand a lot more than what I pay for. I'm rarely cheap with my friends and family, but I'll gladly whittle down businesses for everything I can get out of them. I had my Chase CC number compromised with a fraudulent charge. I got a new card, but had to reset all of the services that used the old card. Plus, a few times I couldn’t use my card because some algorithm suspected fraudulent activity, locked my account without notifying me, and I had to call the next day to get it unlocked. Discover used to call up my mom to ask about such activities, but they never put a lock on her account before they called her.

I’m a BZ for them because I pay off my balance every month, so I can’t really blame them for inconveniencing me with the hair-trigger lock and the effort on my part to get may account reinstated when I didn’t do anything wrong. Guess it saved them paying out 3% on that one gas purchase I would have made.

But then again, I usually demand a lot more than what I pay for. I’m rarely cheap with my friends and family, but I’ll gladly whittle down businesses for everything I can get out of them.

]]> By: pfadvice http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/comment-page-1/#comment-128 pfadvice Wed, 05 Oct 2005 01:42:37 +0000 http://www.stopbuyingcrap.com/?p=82#comment-128 Even if you only suspect (which doesn't seem to be the case here) it's worth changing everything. Yes, a short term pain, but nothing compared to if your credit history is compromised. Take care of it asap. Even if you only suspect (which doesn’t seem to be the case here) it’s worth changing everything. Yes, a short term pain, but nothing compared to if your credit history is compromised. Take care of it asap.

]]> By: Rahul http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/comment-page-1/#comment-126 Rahul Tue, 04 Oct 2005 00:27:11 +0000 http://www.stopbuyingcrap.com/?p=82#comment-126 I had similar experience with BofA, but for a significantly larger amount. What surprises me is that it never happened with any other check card account that I hold. Rahul I had similar experience with BofA, but for a significantly larger amount.

What surprises me is that it never happened with any other check card account that I hold.

Rahul

]]> By: Neville http://www.stopbuyingcrap.com/personal-finance/goodie-my-first-fraudulent-charge/comment-page-1/#comment-125 Neville Mon, 03 Oct 2005 06:16:26 +0000 http://www.stopbuyingcrap.com/?p=82#comment-125 I've been doing online sales for 5+ years now, and I've learned quite a bit about CC fraud. I had a similar charge on one of my checking accounts a while ago. I immediately called BoA and had the check card banned and renewed. It only took a few days to get a new one. From what it looks like, the charge was fraudster who got lucky. When people STEAL your CC information, they generally go on a fast shopping spree. This sounds weird but it's true: Some people errantly type in credit card numbers for digital download services (They usually require no address info) and get lucky. MANY BoA check cards begin with "4356 0300 XXXX XXXX," so fraudsters can sometimes "test out" different combinations of numbers until one works. When it DOES work, they will sometimes go on a buying spree. That is why once your account number in compromised, you must dispense of it immediately. Good luck! -Nev I’ve been doing online sales for 5+ years now, and I’ve learned quite a bit about CC fraud.

I had a similar charge on one of my checking accounts a while ago. I immediately called BoA and had the check card banned and renewed. It only took a few days to get a new one.

From what it looks like, the charge was fraudster who got lucky. When people STEAL your CC information, they generally go on a fast shopping spree.

This sounds weird but it’s true: Some people errantly type in credit card numbers for digital download services (They usually require no address info) and get lucky. MANY BoA check cards begin with “4356 0300 XXXX XXXX,” so fraudsters can sometimes “test out” different combinations of numbers until one works.

When it DOES work, they will sometimes go on a buying spree. That is why once your account number in compromised, you must dispense of it immediately.

Good luck!
-Nev

]]>