Posted on 06/23/2017 1:54:44 PM PDT by johniegrad
Only time it happened to me was when the bank sent a debit card (that hadn’t been requested) and it got stolen from the mail. The bank froze the card, but didn’t bother to tell me until I called and notified them of the fraud. They reversed the charges based on my phone call, but required a written declaration before they reversed the ‘out of network’ charges (the card was used at a series of ATMS.).
So it sounds like you got better bank service than I did.
Where did you purchase gas?
I check the readers closely to see if they have been tampered with.
Have only had it happen once
I guess that is one advantage of having Oregon’s law against pumping your own gas. Lot harder to slip a scanner on the pump if at all.
Since it appears to have happened to you before, perhaps you should review those times a consistent card use with who you used to track the thief.
You didn’t mention what the other purchases were for, so I’m assuming they were things a card thief would go after like jewelry or clothing. Also, were any of the purchases dome on line or by phone.
We recently got into one with B of A when a business that subscribes to them screwed up and released some info in Washington state and had to cancel all the cards used that day which included my personal card. My wife has her own and we share a joint, but they weren’t touched.
rwood
Similar things have happened to both me and my wife. I don’t think you did anything to be criticized for. Sadly, it’s increasingly common no matter what you use your card for. We have been very impressed with our credit card companies’ efforts to protect us from fraud. It’s sometimes inconvenient, but nothing to get too worked up about!
The banks are getting pretty good at catching this before there’s a big problem.
My credit union is rmilitant. Once last year I used a card at a gas station and they were on the phone with me before I left the station to verify the charge. They’ll stop a payment quicker than quick if it’s an unusual out of town charge or a place I don’t normally buy stuff from online.
I haven’t had a fraudulent charge. I guess word gets around.
This has happened to me twice with my debit card, both times after gas stations. I now use only cash at the gas station.
I’ve lost physical cards four times, reported them quickly, and not paid a dime. Two cards not returned by crooked cashiers, one card stolen out of my wallet (and nothing else), and one I laid down on the counter and another crooked customer grabbed it. In two cases, the card company identified the fraud and called me before I knew the card was gone.
Had one case of a hacked server where the bad guys got a couple thousand card numbers (my first-ever e-commerce transaction in early 90s!). Here I am at the Atlanta Hyatt and a revoked card. They shipped a new one in time to check out.
I told one card company in advance that I was going to be traveling in Brazil so don’t cut off my card. You know what happened, of course.
We’ve had quite a few cases where the company called to confirm legit transactions.
It must be a lot harder for them today with e-commerce transactions all over the country.
I ate at a Tampa restaurant and got a call from the Credit Card company a couple of days later, "did you purchase $900 dollars worth of stereo equipment in New York yesterday?" No. "We didn't think so." And sent me a new card.
I’ve had it happen twice, once in the Atlanta airport. It was either the vendor or someone standing in the crowd that took a pic of my CC. Charges to the CC were made within an hour. The other time was at a gas station. Liberal thieves are everywhere.
They sell the CC information. There are networks of liberal thieves.
The only real hassle is having to setup all these accounts with the new credit card number when that happens. Such as my monthly Free Republic donation! I have a special card I used for things like that and never really check my statements so sometimes a few months go by before I realize that particular card is no longer active.
How does someone other than the owner put a card skimmer on a gas pump?
Kim Komando has some good info:
http://www.komando.com/tips/278304/how-to-spot-and-avoid-credit-card-skimmers/all
And gas pumps come from only a few manufacturers, with keys being available for putting paper in the receipt printer. Small devices can be wired and placed INSIDE the pump.
Prepay inside the c-store. It’s safer. For fill ups, the excess can be refunded. At the pump, look for security tape on the door that holds the pump card reader. It should be firmly attached and look new.
Two come to mind. First, your credit card company is doing the right things in monitoring your account. Something gets flagged they contact you. So, good job for them. Second, without knowing all the facts sounds like some type of reader was installed on the gas pump. If so, you should notify the police/station owners.
Don’t know, but it reportedly happens fairly often, so it must be relatively easy to do. Probably depends on the make and age of the pump, and whether the pumps are operating 24x7 but the station/store is closed at night.
I used my major credit card today to buy gasoline at Costco and at Popeyes at about 10 am this morning and at noon.
I just got a call from my major credit card.
Since noon today, there were 4 hacks on the card shown below:
iMarketsLive $250.61 Declined April 9
iMarketsLive $217.19 Declined April 9
SC ASSOCIATION OF INDEPE $11.00 Declined April 9
TADNSW $2.18 Declined April 9
As usual the hackers started with the low dollar charges to charities.
The card was a Chase Visa, and they handled the problem quickly and without any charges or problems for us.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.