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Our Chase Credit Card was Compromised
Posted by: pinkoos
Date: December 10, 2010 09:03AM
My wife got a text from Chase fraud yesterday evening asking if we had a $200 charge at a grocery store yesterday. We did not, so she replied NO to the text and then we got a response from Chase to call them.

So, we called and it turns out that even though we're in Houston, there was a charge at a Walmart in Indiana or Illinois (I can't remember which state) for $200 (it was an actual card swipe according to the fraud specialist) yesterday.

Since we didn't charge this, they took that off our account and closed that account down immediately. I shredded those cards last night and they are supposed to rush new cards (with a new account number) to us by either Saturday or Monday.

Sucks. I'm kinda wondering how this happened. Sounds like our account number was somehow cloned off the stripe and then loaded onto a dummy card or something.

We have a lot of services tied to that account number, so we'll have to change all that once we get the new cards with the new account number.



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Re: Our Chase Credit Card was Compromised
Posted by: Jimmypoo
Date: December 10, 2010 09:09AM
That's the one thing that bites about electronic banking.

I use the cards for such - but I keep PayPal in between or go online to pay various things that
are done through the checking account, so that if the Debit card has to be whacked, it still doesn't
have terminal damage to the accounts set up to be paid by checking.

There are a few items I have on regular "credit card billing" such as items in storage (don't EVER want
to be late for that, and learn some idiot put the stuff up for auction - so the credit card is a level of
protection/proof of payment).

Otherwise - I just steal everything else.
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Re: Our Chase Credit Card was Compromised
Posted by: JoeH
Date: December 10, 2010 09:18AM
"Sucks. I'm kinda wondering how this happened. Sounds like our account number was somehow cloned off the stripe and then loaded onto a dummy card or something."

Easy enough to have happened any time the card was not completely in your view. For instance, there are card "skimmers" small enough to tuck in a waistband of clothing or even be palmed by a good operator. These are frequently used for instance by wait staff or sales staff to pick up valid card numbers. If they can also take a quick peek at the security code on the card and write it down somewhere, a duplicate of your card can be made.
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Re: Our Chase Credit Card was Compromised
Posted by: Jimmypoo
Date: December 10, 2010 09:21AM
Joe -- where can I get a few of these fine and handy technology tools?
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Re: Our Chase Credit Card was Compromised
Posted by: Ammo
Date: December 10, 2010 09:23AM
I don't know if this has changed or not, but many years ago someone applied for a credit card in our name and charged about $500 worth of clothes on it. The charges and card were canceled, but the guy who investigated it said they wouldn't even try to catch the woman who did it because doing so would cost more than it was worth. I guess I see the logic in this, but it was kind of discouraging to me.
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Re: Our Chase Credit Card was Compromised
Posted by: haikuman
Date: December 10, 2010 09:26AM
Sorry to hear about this pinkoos our society is sadly rife with scumbags sad smiley



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Re: Our Chase Credit Card was Compromised
Posted by: OWC Jamie
Date: December 10, 2010 09:28AM
Be happy. My # has been compromised 3x with GM Card and each time it's taken a week+ for new cards.

eToys.com = bunch of stolen numbers (9ish years ago)
Another etailer I cannot name (no mud slinging from me)
.....wife doing something silly (don't buy food in Mexico before a flight using your CC senorita....) smiling smiley



Good Luck!
Jamie Dresser
Other World Computing
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Re: Our Chase Credit Card was Compromised
Posted by: mattkime
Date: December 10, 2010 09:58AM
its common. don't worry about it.





VTPKL it!
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Re: Our Chase Credit Card was Compromised
Posted by: Shakes
Date: December 10, 2010 10:12AM
Same thing here about 2 weeks ago with my Chase debt card. $3000 in charges. I have to say though Chase sent me a new card within a week and the money was replaced within a couple days.
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Re: Our Chase Credit Card was Compromised
Posted by: datbeme
Date: December 10, 2010 11:10AM
A few years ago in the holiday rush, my wife accidentally put her Capital One card into the machine in the ATM lane at the Chase bank drive up. After a couple of attempts at entering her Chase pin, the machine confiscated the card. She got out and walked up to the window where they informed her that when this happens, the card is automatically shredded. This was an inconvenience but nothing to get worked up about.

But in the next 24 hours, about $1300 in unauthorized charges appeared on the card. There were several small (under $50) grocery and gas station purchases and a nice, round $1000 charge at Best Buy. Capital One was very efficient in reversing all of them. It involved some paperwork and follow up on our part, but they were quick to take care of everything and no repercussions came of it.

But Chase didn't have much to say about it other than stand behind their claim that it would have been shredded. Unless the machine spit it out again (which must have been what happened) the impropriety falls within their organization. I almost regret not filing a police report because it seems that some kind of evidence of the theft would be easy to find, but I had been inconvenienced enough by this and that should have been Capital One's concern at that point.
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Re: Our Chase Credit Card was Compromised
Posted by: hal
Date: December 10, 2010 11:21AM
Quote
Ammo
I don't know if this has changed or not, but many years ago someone applied for a credit card in our name and charged about $500 worth of clothes on it. The charges and card were canceled, but the guy who investigated it said they wouldn't even try to catch the woman who did it because doing so would cost more than it was worth. I guess I see the logic in this, but it was kind of discouraging to me.

when my credit identity was stolen in the early nineties, I was told by local police that they get call for these crimes 80-90 times a day and take 3-4 cases a day. THey only follow up on crimes that caused $30000 or more in damage.
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Re: Our Chase Credit Card was Compromised
Posted by: billb
Date: December 10, 2010 11:49AM
the maker of a fake card doesn't have to get anywhere near you nor your card.

They could have, but it's not necessary.

wouldn't surprise me if there is a LUHN CC # generator app for the iphone :-)
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Re: Our Chase Credit Card was Compromised
Posted by: LyleH
Date: December 10, 2010 12:04PM
Here's a link from Nov. 28 about a similar problem with CC's.

[forums.macresource.com]

LyleH
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Re: Our Chase Credit Card was Compromised
Posted by: JoeH
Date: December 10, 2010 12:35PM
Quote
Jimmypoo
Joe -- where can I get a few of these fine and handy technology tools?

Well, one place would be the evidence room at the local police if they have not gotten rid of some they confiscated a few years ago. Some wait staff brought in from NYC by a local Chinese restaurant during a shortage of workers apparently were recruited by gangs there to skim numbers for their card forgers. Were caught after a sudden increase in fraudulent charges that the common factor was dining out at this joint. The local owners were not happy, they no longer recruit out of area anymore.
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Re: Our Chase Credit Card was Compromised
Posted by: Lew Zealand
Date: December 10, 2010 12:58PM
Swiped my 2ndary CC (BofA - bought out the previous provider) at an automated parking structure with no cash option and got a fake charge to my card the next day for my trouble. BofA flagged it, called, confirmed with me, cancelled it, and get me a card in 2 days. I use this secondary card for all questionable CC uses (the damn parking, online with places like Meritline, etc.), and it paid off as my primary CC has so far avoided any major problems.

I will not be using the aforementioned parking CC theft scam garage anymore. If you ever make it to "Old Town" Pasadena don't park in the Union St. garage, just park on the 210 as it ain't moving anyway.
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Re: Our Chase Credit Card was Compromised
Posted by: josntme
Date: December 10, 2010 01:08PM
My chase card has been compromised three times but my BofA card or my USAA card has never been compromised. I wonder why?
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Re: Our Chase Credit Card was Compromised
Posted by: billb
Date: December 10, 2010 01:09PM
Fear of fees ?
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Re: Our Chase Credit Card was Compromised
Posted by: pinkoos
Date: December 12, 2010 11:23PM
New cards didn't make it to us on Saturday, so we're hoping to get them on Monday so we can spend some time redoing all of our automatic payments that have been set up via the old credit card number.

Thanks for the interesting discussion.
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Re: Our Chase Credit Card was Compromised
Posted by: ADent
Date: December 13, 2010 12:51AM
Hmm. My Chase card was compromised last summer - even though I only use that card a couple of times a year and had not used it for months and months before that.
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Re: Our Chase Credit Card was Compromised
Posted by: gumbolover
Date: December 22, 2010 04:28AM
You guys may be on to something with compromised Chase accounts.

My Chase card was compromised last spring for about ten fraudulent charges amounting to $3 grand. Charges I'd made during that period include Walmart online store, Pizza Hut, and a PayPal payment.

At no time did Chase notify me of any of these fraudulent charges. I received a few voice mails from out of state merchants seeking additional information to the merchandise someone with a similar name recently "purchased." I figured those were wrong numbers. But when a Discover card rep called to verify a purchase being made at that exact time for $2000 at a boutique, chills erupted over my body as I realized my credit accounts had been compromised.

I logged onto my online Chase account, which I never do. Bogus purchases were made at online electronic stores and, get this, resume companies pretending to be an employer paying for help wanted ads, seeking resumes from interested applicants. I can only guess my compromised card # was sold to several thieves. I'm not sure if the Chase and Discover Card comprised accounts are related.

I only had one call from Discover and no other interaction as the matter was resolved. Good job Discover.

Dealing with the Chase reps has been as difficult as I'd imagine herding cats would be. Each call requires me to recite the entire issue. I ask if they've received my correspondences. Then, the new monthly invoice statement arrives and it still shows erroneous balances, interest charges, and late payment fees.

Things to do if your credit card is compromised:

- call your credit card company and follow up with written correspondence. After each subsequent monthly invoice where a balance is comprised of false charges, call the credit card company again and follow up with written notice of the call and the problem.
- immediately notify all your credit card companies that your ID was compromised and to issue new account numbers.
- Immediately place a fraud alert or freeze with all credit agencies (Transunion, Experian, Equifax). Notifying one results in the other two being notified as well. You'll have to update the fraud alert every 90 days. Thieves may be sitting on your ID information. (how did those out of state merchants get my telephone number even if they didn't know my complete name?)
- take notes of each phone call (name, rep #, time) and dates of letters, and time spent dealing with each occurrence.
- after your compromised card account is changed, do not make any new purchases with that card until you are satisfied with the results of the investigation. New charges will only confuse them and result in your payments being applied to charges that you are protesting. Your leverage is not using the card, thus, the credit card company is not making any money off your purchases until they resolve the issue.
- consider filling out a police report in the event your credit report is damaged by late payments. You may need this report to correct any late payment notices sent to the credit reporting agencies.
-Notify your insurance companies what is happening and to place a note on your account to not make any changes until they speak with you.

Be prepared for a long arduous ordeal. My Chase account still shows late payment fees and interest charges. I get late payment warning letters from Chase each month since August. Chase even notified the credit agencies that I've missed payments. My credit score has taken a small hit due to Chase throwing me under the bus during an investigation period validated by my written notices and telephone calls.

I called Chase again yesterday. Again, I spoke to someone entirely different and had to go through the whole rigmarole with them before being transferred to a supervisor. The snarky supervisor made the mistake of talking down to me and patronizing me. I asked her if we're being recorded because I will ask for this conversation to be replayed in small claims court. I reminded her that my account number was compromised, however, my card was not stolen nor was my wallet lost or stolen.

The rep indicated that she would remove the late charges and interest fees. It took almost an hour to get to that point. What part of "paid in full" do they not understand.

We'll see. I'm prepared to go to small claims court against Chase. My records are impeccable and I paid all valid charges within the allotted payment cycle.

Getting back to the main point, Chase potentially has a problem with compromised accounts. Be warned.
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