My credit card was compromised...

Capt Steve

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Last Thursday I got an email from a Juice Bar in California {I live in Tucson} requesting I complete my Door Dash order of $49.54. The order was for several herbal and vegetable products {boy these idiots really don't know me}. Fortunately within ten minutes of their email being received I had seen it and was on the phone to Capitol One.

They immediately froze/closed my card and denied the charge and sent me a new card which I just received. The real PITA was having to contact half a dozen places that were getting auto pays from the card account and wading through their robocalls switchboards and fouled up beyond all recognition websites. After an hour and half on the phone every merchant was notified and provided a new card number {my old back up} so none of the services were interrupted.

These thieves had my complete card number including the 3 digit security code off of the back. The only time that card was ever out of my sight was at a couple of restaurants where often dine and that will NEVER happen again. I'm guessing a crooked employee copied my card info and then just sold it to the highest bidding scum bucket on the dark web...GRRRR! Had I not caught that incoming email right away this might not have ended this well.

Obviously I was to cavalier with my card security and as noted it will never leave my sight again for any reason, no more just adding it to the check and waiting for the waiter to process my bill and return it {Duh!}.

To add insult to injury the next day these bozos then sent another email stating that my old card was declined and asking for my new car number! I have had nothing but good luck over the last few years with the security department at Capitol One. They always text or email me on anything that looks remotely suspicious and wrapped this up in one brief phone call.

Keep tabs on your emails and texts and watch your credit card billings carefully.
 
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All I can add is to also check your account statement every single month. On a few occasions I have found unauthorized charges on my monthly statements, and a quick follow-up with the card service has taken care of the problems.

As careful as we might try to be there will always be another scammer trying to reach in our pockets.
 
My card services have been excellent in
taking care of problems and clearing
charges. Also, periodically I'm called or
notified about a "suspicious" purchase.
 
Captain Steve,

It appears that your CC number may have been fraudulently obtained using a credit card "skimmer". In my opinion, this is a real problem. From your post, you've already reached that conclusion.

This is a royal PITA since some of these devices can be very difficult to detect. They can be anywhere that a CC or debit card is accepted, including ATM machines, self-service gasoline pumps, etc. We've seen these problems, and the resulting fraud in both the Atlanta and Austin areas. The devices themselves are often very difficult to detect.

In the case of restaurants, the perp takes the card somewhere out of sight, scans it in to the restaurant device for an expected charge, and also scans the card in to his/her "skimmer". The "skimmer" stores the data in to a memory device which the perp later retrieves. The perps later use the data themselves, or they sell the data to a third-party.

As you described, the best defensive tactics that we can utilize are to work with our credit card companies to quickly identify all fraudulent activities or unauthorized charges.

In the past I have contacted my credit card companies before I travel (especially internationally), or plan to make a large purchase. During the conversations the representatives have disclosed to me that most credit card companies today have "Fraud Alert" or "Fraud Detection" departments. They continuously run system analysis programs using standards, algorithms, etc. and transaction reviews to immediately detect fraud.

Other than the time spent for the notifications (which could have been better spent at a LGS or on the road), I was pleased to read that you, once again, defeated the "bad guys"!!

Bill
 
Mine has been compromised several times but BofA is pretty good about it.
 
Very common to grab card and account info from your mail. You might also be shocked how little info is required by your card company to reset a pin number.

Sent from my Moto G (5) Plus using Tapatalk
 
I don't think that the skimmers will read the 3 digit security code.
Vendors require that code to ensure that the customer actually has the card in hand for a phone or online order.
When I get a card the first thing that I do is copy the security code in a remote location, then scratch the code off of the actual card.
I believe that this has thwarted would be scammers more than once.
 
You also can suspect the Equafax breach. I have cards that never were used get hacked. So many hacks these days you don't know who to blame anymore. Fortunately everytime one of mine was hacked the card company was right on top of it.
 
Yep it's happened to me twice in the last two months and both times it was a gas pump skimmer, fortunately my card company stopped payment and contacted me.
 
Had a weird email from Paypal this am.
Stated several attempts were made regarding my
account which they deemed as out of the norm.

The email wanted me to click on a link and update my info.
Sounded shady.
I passed.. went on the paypal website just changed my password.
 
Last edited:
Same exact thing as happened to OP Capt Steve happened to me last summer - and I hadn't used that particular card in a while, so I am certain that the card was photographed the day prior when I used it for payment (it went out of my sight) at a restaurant. $300-odd of groceries charged in CA and my card company wrote me and said, "Was this you?" I clicked "No," and they had a new card overnighted to me. As happened with OP, they made another run at my card later that day (it was declined).



Here's what happened: the busy (but trustworthy) career waiter left the card for a minute in the restaurant, and some dirtbag druggie photographed it with his cell phone and sold the image to different dirtbags in CA. The credit card company knows about this type of crime and when they get serious about it (as they are in Europe) we'll have those little point-of-purchase terminals brought to our tables by our waiters. Until then, it's "cost of doing business," which means it's loaded into the purchase price of everything since the sellers have to pay the credit card fees the companies charge (which includes recouping these criminal events).



What a hassle - so sorry it happened to you, Capt Steve!
 
They may have a computer program that generates random 16 digit
numbers until it hits one that works, usually on a small purchase, then
load it up to the max limit.
 
I got into the habit of checking my credit card activity online about every day. Good thing, because I caught a couple of purchases of airline tickets down in Chile. I make chili, I don't visit there. Even though the card was securely in my wallet, somehow the sale went through. I immediately called the card issuer and told them I was a little displeased that even though no card was present at the transaction and I have never been outside North America in my life, no red flags went off and nobody checked with me to see if the charges were legitimate. So now I have them send me a text message for every transaction where the credit card is not physically present.
 
I had a call on a Sunday afternoon from BB&T asking if I was in Hamburg Germany trying to buy train tickets. I said nope, cancel it and send me another card.

Another time I had three fraudulent charges on my card $7.77, $77.77, and $777.77. Each from a different location in the US.
 
Check your statements! I have had my numbers jacked a couple times, but my bank had the card cancelled and a new one in the mail to me the same day. Minor inconvenience with a bank with good service. Still though, thieves suck and deserve what is coming to them.
 
I get a email and a text
You have to be very careful out there
Sorry for all the hassle
God Bless,John

Sent from my SM-S727VL using Tapatalk
 
Last Thursday I got an email from a Juice Bar in California {I live in Tucson} requesting I complete my Door Dash order of $49.54. The order was for several herbal and vegetable products {boy these idiots really don't know me}. Fortunately within ten minutes of their email being received I had seen it and was on the phone to Capitol One.
<snip>
To add insult to injury the next day these bozos then sent another email stating that my old card was declined and asking for my new car number!

How did they get your email address too?
 

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