I have worked for a major CC company for 28 years. I don't know how things work in the UK but I can tell you that we absolutely do prosecute fraudsters. We generally know that the account has been compromised before the customer and we have field investigators that follow up with law enforcement. One thing to remember, the CC companies have agreements with merchants that require them to verify the customer. The fraudulent charges are often charged back to the merchant who then file the police reports it just depends on the situation. On another note, any major CC company will overnight you a new card if you need it. I won't bore all of you with the details of loan losses, charge offs and loan loss reserves etc., but you better believe our company cares about losses.
Credit card ripoff again
- Thread starter gman51
- Start date
I discovered who the company is. I had made a one time donation to them probably over a year ago. Their computer evidently charged me a renewal using my credit card info on file. I made a one time contribution but they ran with it without so much as sending me an email they were about to take a renewal charge from my card. I would have told them forget that which could be why no email from them about a renewal about to happen.
I once had a dental discount company that I had cancelled and bought a plan from another company. About a year later the first company started charging me again. Unreal what can happen once computers have your information filed away.
I once had a dental discount company that I had cancelled and bought a plan from another company. About a year later the first company started charging me again. Unreal what can happen once computers have your information filed away.
Before getting my current credit card I researched the net to find out which was best and several different sources said that a Chase Visa Blue Saphire card was the best one out there. I got one and have a had a few fraudulent charges and all I have to do is pull up my account on my computer or phone and click on a charge and hit the "dispute" button. I usually get a call quickly and they tell me they will inform the merchant and he has 10 days to fight it and then the charge is permanently dropped. Recently I got a charge from an "Uber" and I don't use Uber or have an account and I disputed the charge and they emailed a day later and told me that they deleted the charge from my account. What I found out later was my wife had used an Uber to go to the airport in OKC and somehow she used my card number. I was embarrassed and called Chase Visa and told them I had made a mistake and to recharge my credit card and give that poor Uber driver his money back.
On another note, any major CC company will overnight you a new card if you need it
That is a joke! New Cabelas card, called, supposedly mailed a new card, never received, multiple calls, told me they couldn't overnight a card, finally got a new card. Total time 2 WEEKS!
In the meantime I had to change 3 autopays to another card.
The total time I wasted on it was probably 6 hours.
That is a joke! New Cabelas card, called, supposedly mailed a new card, never received, multiple calls, told me they couldn't overnight a card, finally got a new card. Total time 2 WEEKS!
In the meantime I had to change 3 autopays to another card.
The total time I wasted on it was probably 6 hours.
oneounceload
Member
BoA did that to me as well when the wife and I made a trip out West. Since my financial guy is with Merrill Lynch, I just tell him when we do things like that and he alerts them to that fact.
s1mp13m4n
Member
I'm confused. Nowhere in the rules here do I see anything saying that we can't use the words "Waffle House."
Good reason to have at least two cc cards.
I don't like having more than one, and tend to concentrate payments on one card, but there have been several times over the years where it has been handy to have a back up.
On the other hand, recently, with all these upfront point giveaways, I've been considering acquiring a couple of additionals just to grab the sign up points. (Did that a coupla years ago with an AMEX card. Canceled it after a year.)
It depends on the volume you use it. Cabelas delivered a replacement card from theft to a friend who has a black Cabelas card. At the time that meant $25,000 + annual usage. His was delivered on a Sunday afternoon.
FWIW - My credit cards automatically text me after a purchase - period! When I pay for something using a credit card - I immediately get a text message saying the amount and store. Most credit card companies now offer this service. It doesn't prevent your card from being stolen but at least you know the minute it was hit and time enough to call your credit card company.
The fine print....."you may unsubscribe at any time..."
But if you don't unsubscribe, that is, you can't find their current website, or you have no idea where to look, it's a real hassle. And it's very common, the " subscription" scam.
Interestingly enough, this happened to me the other day. Fraud Department called from an automated system about my business debit, and gave the correct last four numbers. I was driving, and I hung up. They called back in two minutes. I answered, but pulled over to check the back of my business card. The calling number didn't match that number. I hung up again, and called the number on the back of the card. Some miscreant used my card number to to try to buy $8.30 of assorted junk in South Dakota. The charge was blocked, so no money changed hands and nothing to refund, which they assured me they would have done immediately. Card cancelled, dropped by bank branch, new temp card in hand and new permanent card on the way, all in an hour or so from the first call. One of the reasons I've been with my bank for many, many years . . .
I have a setup with my primary credit card issuer that any time a purchase is made without the credit card being physically present I get a text message with directions as to how to stop the purchase. I got that setup after I called customer service about a couple charges that I spotted on the issuer's web site. Luckily I have a habit of checking my account about every day, and I spotted how somebody bought two sets of airline tickets on my account, in CHILE, SOUTH AMERICA. I've never been outside of North America in my life, and I told the customer service person that I was a little distressed that these charges slid through and nothing or nobody raised a question about them. So now I feel a lot better when I make a purchase online and within seconds I have a text message asking about it.
venomballistics
Member
another solution .... ditch your CC in favor of a prepaid visa to make your purchases with. Keep it's balance low till you intend to make a purchase.
It's not entirely immune, but it can drastically curtail loss while it serves as an expendable account, easy to replace.
It's not entirely immune, but it can drastically curtail loss while it serves as an expendable account, easy to replace.
There are always ways to steal a CC number. One of the simplest is when you pay by CC at a restaurant, the server just snaps a picture when she goes out back to process it.
There are to many to list.
The last time my CC was compromised, I received a text, email, and phone call from the company. I called them back immediately and confirmed that the $500.00 worth of tickets for some concert were not paid for by me.
The card was immediately cancelled and replacements overnighted to me. At first the customer service rep said it would be 7-10 days before I got the replacements. I mentioned that I was going on vacation in two days and if they couldn't get the cards to me in time, I'd just have to use their competitor's card.
The worst experience I had was with Discover, which is why I won't use them any more. My card was compromised in late June. THEY didn't figure it out, I did because I got a call from Walmart.com asking me to verify some purchases. Nope, not me.
I called Discover right away and reported the compromise. They said that they'd get the cards out to me in a week or so. I said I'd prefer if they got them to me sooner since we were going to New York for a friend's wedding. Sure, not problem, they said No problem, and no card either.
I called them back and asked what happened. This time I was told they couldn't send them out overnight because of "company policy." An escalation to the supervisor and I was told that they could get them out in three days and they'd be in my mall box on July 4. I explained that in America, that's kind of a big holiday. Used my back up CC on the trip and applied for a Visa.
The day the Visa came in the mail, I called Discover and told them to close the account. A week later I got a call from "customer retention" asking why I did that. I told him the story and he apologized for the screw up.
"What can we do to fix this?"
"Send me a check for $1,000.00."
"Uh, we can't do that."
"Goodbye."
Just so you don't think that I flew off the handle, this was the third time in less than a year that my Discover Card was compromised. It's a real PITA to change the autopay accounts I have set up every time.
There are to many to list.
The last time my CC was compromised, I received a text, email, and phone call from the company. I called them back immediately and confirmed that the $500.00 worth of tickets for some concert were not paid for by me.
The card was immediately cancelled and replacements overnighted to me. At first the customer service rep said it would be 7-10 days before I got the replacements. I mentioned that I was going on vacation in two days and if they couldn't get the cards to me in time, I'd just have to use their competitor's card.
The worst experience I had was with Discover, which is why I won't use them any more. My card was compromised in late June. THEY didn't figure it out, I did because I got a call from Walmart.com asking me to verify some purchases. Nope, not me.
I called Discover right away and reported the compromise. They said that they'd get the cards out to me in a week or so. I said I'd prefer if they got them to me sooner since we were going to New York for a friend's wedding. Sure, not problem, they said No problem, and no card either.
I called them back and asked what happened. This time I was told they couldn't send them out overnight because of "company policy." An escalation to the supervisor and I was told that they could get them out in three days and they'd be in my mall box on July 4. I explained that in America, that's kind of a big holiday. Used my back up CC on the trip and applied for a Visa.
The day the Visa came in the mail, I called Discover and told them to close the account. A week later I got a call from "customer retention" asking why I did that. I told him the story and he apologized for the screw up.
"What can we do to fix this?"
"Send me a check for $1,000.00."
"Uh, we can't do that."
"Goodbye."
Just so you don't think that I flew off the handle, this was the third time in less than a year that my Discover Card was compromised. It's a real PITA to change the autopay accounts I have set up every time.
GypsmJim
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I'm confused. Nowhere in the rules here do I see anything saying that we can't use the words "Waffle House."
IMHO, the Waffle House is the worst excuse for a restaurant anywhere.
In any event, some years ago there was a Dolly Parton and Burt Reynolds movie about Nevada and I think they called it a "Chicken Ranch".
Does that clarify my meaning? LOL
THE PILGRIM
Member
The Chicken Ranch was outside of La Grange, TX.
Does that clarify my meaning?
You don't have to take my word on it.
Maybe these Boys can explain it better.
[ame]https://www.youtube.com/watch?v=Vppbdf-qtGU&feature=share[/ame]
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cballman
Member
Just a funny story about the credit card checks. I was at Boy Scout camp and purchased $150.00 worth of ice cream for my Troop. About the same time two hours away my wife paid for her supper with the same card. She got a fraud alert on either her text or email. She emailed or texted me to ask if I did actually make the purchase or if I lost my card and some kid had a ball with it. Since I had no cell phone service I couldn't respond till the next day. Talk about a Butt chewing for the next week or so until she calmed down. To look back it was funny but the credit card company had her back. NOT MINE. And yes I did buy 50 Big Booper ice cream sandwiches for everyone in my Troop. Got one free with that purchase.
