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Old 12-18-2014, 08:21 AM   #31
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Originally Posted by Herk7769 View Post
So:
Noticed the money gone from my checking account on Saturday at 8AM.
Money BACK in my checking account by 3 PM Monday.
Credit card company credited my account for the fraud today.
Situation solved.
Lesson to me was not to use auto bill pay no matter how convenient for credit cards.
I love a happy ending!
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Old 12-18-2014, 08:33 AM   #32
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I had my home delivery newspaper on auto pay from my credit card.
Newspaper raised my rate to nearly double without notice. When I saw
the amount on my credit card statement I immediately started trying to
reach someone at the newspaper office. Problem is our paper has been
swallowed up by Gannet news and they "centralized customer care".
Translation -- they REALLY don't want to talk to you!! Finally in disgust I
called Capital One and at first they said I needed to get the newspaper to
stop charging. I said what??? This is my credit card and my money and
I don't want the product any more!!

Long story but bottom line is auto pay can be a lot easier to start than to stop!
My saga ended when Capital One issued new cards due to the Home
Depot and Target data breach so suddenly the newspaper was trying to
charge a dead card number and THEY called me! I negotiated a lower rate
and now I pay thru my bank but NOT autopay! I manually log in each month
and send them an electronic check.
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Old 12-18-2014, 11:54 PM   #33
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Glad to hear it got worked out. I have auto pay set up on credit cards but for the minimum payment, only so I don't get hit with a late fee if I forget for some reason


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Old 12-19-2014, 07:09 AM   #34
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Glad to hear it got worked out. I have auto pay set up on credit cards but for the minimum payment, only so I don't get hit with a late fee if I forget for some reason


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Once I get the card straightened out I will do that as well.

The downside of course is the interest payment if you forget (or are unable due to no internet) to pay it in full prior to the billing date.

I guess that is a small price to pay for peace of mind and some level of security.
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Old 12-19-2014, 11:18 AM   #35
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Once I get the card straightened out I will do that as well.

The downside of course is the interest payment if you forget (or are unable due to no internet) to pay it in full prior to the billing date.

I guess that is a small price to pay for peace of mind and some level of security.

Thats how I look at it. Its set up only as a backup. Id rather pay a little interest than a late fee, or even worse have a late payment on my credit report if I completely bone head it


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Old 12-19-2014, 12:19 PM   #36
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If you haven't already (as previously suggested) call the major credit reporting companies and put a fraud alert on your accounts. A car salesman (when I walked on a deal) took my credit info and opened several new accounts and spent $33000 in two weeks. $20,000 at Home Depot in one weekend. I kept getting new accounts until I put a fraud alert on my account.
Glad everything worked out for you but it still sucks feeling so "violated".
Have a Merry Christmas, now that the problem appears to be solved.
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Old 01-06-2015, 12:12 PM   #37
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Final update:

Seems all is good; so far. I had to file a police report (which was a hassle because since "I got my money back" I was not the victim). I finally found a detective willing to do the paperwork to satisfy the bank; who actually WAS the victim.

After discussing this with the Fraud folks, they told me how this scam works.

1) I used the compromised card at a local grocery store (could just as easily been a restaurant or gas station) where the cashier had the card reader below the level of the counter (or is out of your sight); She swiped my card twice (it appeared) and when I asked about the second swipe, she said it did not "take" the first time because the reader or card may have been dirty.

2) She flips the card over and glances at the 3 digit code on the back and hands me the card. She then writes the code down after I leave. A week or two goes by with no fraudulent charges and I forget the event happened.

3) The hidden card scanner under the store's scanner has all my magnetic strip data recorded. The slip with the security numbers "in order" contains the "take" for the day.

4) The scanner and the list of security codes is sold to a third party (or ring) who then makes up blank white plastic credit card clones.

5) The third party goes to a large volume store (like Target or Wal-Mart) that sells 100 dollar cash cards and has a ring member (or accomplice) who works there as a cashier.

6) He "buys" 40 or 50 100 dollar cash cards using the cloned credit card and continues in batches until that card is declined. Then goes on to the next card. This is why Platinum cards are most often hit as they most likely have large available credit limits.

7) Several hundred thousand can be made in one night. The cashiers have a high turn over due to "family reasons" and they move on to the next area.

Lesson Learned:

NEVER let your card leave your hand.
NEVER give your card to your server at a restaurant.
NEVER leave your card with the gas station attendant.
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Old 01-08-2015, 08:41 PM   #38
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I hate endorsing any card but I use American Express for all restaurants and on line purchase. They are on top of fraud and have reversed several charges that were suspected. Even reissued my card in two days. If I have a disputed purchase they will fight the seller for me to make it right.
Lou glad this worked out for you and thanks for the good advice.
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Old 01-08-2015, 08:58 PM   #39
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To be fair; it was 5Star Bank of Colorado's Visa card.

My USAA MasterCard has been super.
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Old 01-08-2015, 09:09 PM   #40
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Someone gave some tips for avoiding cc fraud here - all good advice.

One tip said don't give your cc to a waiter or cashier when you can't see the transaction take place.

A good practice,but in the resturants we patronize we never see the transaction take place - Fortunaly we have never been bit,but how do you keep your cc in sight after the waiter takes it?
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