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My Capital One "Urgent fraud prevention alert"
Old 07-08-2015, 06:16 PM   #1
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My Capital One "Urgent fraud prevention alert"

I awoke this morning to an email with the subject "Urgent fraud prevention alert." They questioned this charge to my credit card:

/08/201
IM ORANGE MOLDOVA SA
Phone/Cable
...5867
$26.39

Of course, I did too. It seems this is an Online service in the Country of Moldova. After calling the number on the back of my card, they stopped the charge and are sending a new card.

Unfortunately, I am in (or was, this morning) Kalispell MT and won't be back in Denver for a couple of weeks. Fortunately, earlier this year, Capital One instituted a policy whereby DW and I have different card numbers. Therefore, We can use her card without issue. (Of course, we have several credit cards but you know what I mean.)
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Old 07-08-2015, 06:57 PM   #2
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Before handing your card to the teen at the restaurant, had you scratched off the CVC on the card's back?
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Old 07-08-2015, 07:20 PM   #3
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Who knows with this stuff....I had a regular chase card that I have used almost daily for 5 years plus, all without incident anywhere. Then Chase sends me a new "chip" card claiming increase security. I used that card twice within 3 days (walmart and an online air flight ticket) and had 2 fraudulent charges already charged to that new card. Chase caught it first by sending me a fraud alert text. Crazy.
You know I wonder why we even get worried about it. They always take them off quickly. In fact they also took $300 worth of legitimate charges to. I had to call them back to get the charges reinstated.


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Old 07-08-2015, 08:07 PM   #4
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Fraud charges are so common that it is no longer a big deal.

In the past I received a Chase corporate card that already had about $2500 of charges on it before I got it. Then the replacement card had fraudulent charges, too.

One must have two or three credit cards in case one is shutdown.
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Old 07-08-2015, 10:21 PM   #5
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Originally Posted by LOL! View Post
Fraud charges are so common that it is no longer a big deal.

In the past I received a Chase corporate card that already had about $2500 of charges on it before I got it. Then the replacement card had fraudulent charges, too.

One must have two or three credit cards in case one is shutdown.
That's amazing to have fraudulent charges before you even receive the card!!! Doesn't the card need to be activated?
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Old 07-08-2015, 10:27 PM   #6
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I set up text alerts for ALL charges to my credit cards and all debits to my bank accounts. Too much fraud these days. I was able to cancel a fraudulent credit card item while it was still in "pending" status thanks to the text alert. It's scary how common fraudulent charges are these days. Crossing off the CVC is a great idea ! I just did that.
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Old 07-08-2015, 11:23 PM   #7
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Problem with crossing off the CVC is I'll never remember it. I carry 3-4 cards and have a few more at home.
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Old 07-08-2015, 11:35 PM   #8
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Problem with crossing off the CVC is I'll never remember it. I carry 3-4 cards and have a few more at home.
I write the CVC number on a piece of paper taped onto another card I keep in my wallet. When I need it I pull out that card and look at it. It means I can hand over my CC with no CVC number on it but I don't have to memorize it for the few times I need it. (I also have the CVC number written down at home).
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Old 07-09-2015, 08:50 AM   #9
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It means I can hand over my CC with no CVC number on it but I don't have to memorize it for the few times I need it. (I also have the CVC number written down at home).
Doesn't his cause problems at some merchants? Sometimes they look at that number to enter it into their terminal for card present verification.
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Old 07-09-2015, 08:57 AM   #10
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Credit card fraud is more sophisticated than teens nabbing your CVC #.

The fraud is the credit card company's problem,not mine. If they wanted to get rid of it, they could start using chip & pin now. But, it just doesn't seem to be a big deal for them, so why should I worry about it.

Like someone else said, keep a few cards.
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Old 07-09-2015, 10:01 AM   #11
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Doesn't his cause problems at some merchants? Sometimes they look at that number to enter it into their terminal for card present verification.
Rarely happens but when it does they simply ask me and I tell them. The CCV number is there primarily for "Card not there" transactions, to prove to an on-line or phone vendor that you have the card physically in your hand.
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Old 07-09-2015, 10:14 AM   #12
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I write the CVC number on a piece of paper taped onto another card I keep in my wallet. When I need it I pull out that card and look at it. It means I can hand over my CC with no CVC number on it but I don't have to memorize it for the few times I need it. (I also have the CVC number written down at home).
I've kept some of these numbers on a fake phone list, and you can do that on paper and/or your phone directory. For a 4 # PIN or CVC for a Fidelity AMEX card for example, something like:

Uncle Fred - 312-456-1234 where the 1234 is the pin/CVC

or the 3 digit for the Visa

Aunt Vicky - 312-456-0123

It's obvious to me, as I don't have an Uncle Fred or Aunt Vicky, and the F and V are good enough reminders for me. And still pretty secure.

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Old 07-09-2015, 06:56 PM   #13
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I've kept some of these numbers on a fake phone list, and you can do that on paper and/or your phone directory. For a 4 # PIN or CVC for a Fidelity AMEX card for example, something like:

Uncle Fred - 312-456-1234 where the 1234 is the pin/CVC

or the 3 digit for the Visa

Aunt Vicky - 312-456-0123

It's obvious to me, as I don't have an Uncle Fred or Aunt Vicky, and the F and V are good enough reminders for me. And still pretty secure.

-ERD50
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Old 07-09-2015, 08:46 PM   #14
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I've memorized both the CC number and the CVC number. No one has chip and pin here yet, but my card has a chip. And both the CC number and the CVC number are on the back now, and aren't raised.
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Old 07-09-2015, 09:51 PM   #15
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I find the scenario interesting to receive a new credit card and have fraudulent charges on it already. This tells me that either someone got information at the issuing bank before sending out the card, or it was intercepted in the mail and then passed on? In both cases the card would have had to be activated which usually requires a call from the billing address number on file. So it's pretty wild. And why pass along a card you have stolen if you are able to use it? Doesn't make sense.
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Old 07-09-2015, 10:33 PM   #16
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I had issues with an FIA cardholder services card that went on for three months, hopefully fixed now. They allowed fraudulent charges through my old CC number that was issued a new card and CC number. After 4 calls escalated over 3 months I talked with a gal that explained how the activation and closure process works. From what she explained neither means the card number cannot be used. In my case she explained my old CC number was still available for some type of charges. She claimed it wasn't until I filled a formal fraud complaint that number was permanently closed. I can only guess it's that way for other new cards. Oh yeah she did say it was done that way for my convenience.
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Old 07-10-2015, 12:14 AM   #17
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I pretty much use one card exclusively and regularly charge $2500-$3k monthly to it. I can't remember ever having fraudulent charges on that card or any of my cards (knock on wood). I have gotten new cards in the mail due to some possible hack at a merchant where a card was used (Target) but have never found any charges on my account that I or my wife hadn't put there. Maybe I am not looking close enough or I'm not challenging my DW's charges enough?!?

I guess I/We have been lucky

I guess I shouldn't admit to just finding a $2.50 recurring charge on my comcast bill for some equipment that I had returned last October
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Old 07-10-2015, 08:14 AM   #18
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I pretty much use one card exclusively and regularly charge $2500-$3k monthly to it. I can't remember ever having fraudulent charges on that card or any of my cards (knock on wood).
Yeah, well. We charge over $3,000 per month on the subject card and have for about ten years without incidence. Lightening strike?
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Old 07-10-2015, 09:14 AM   #19
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Originally Posted by ERD50 View Post
I've kept some of these numbers on a fake phone list, and you can do that on paper and/or your phone directory. For a 4 # PIN or CVC for a Fidelity AMEX card for example, something like:

Uncle Fred - 312-456-1234 where the 1234 is the pin/CVC

or the 3 digit for the Visa

Aunt Vicky - 312-456-0123

It's obvious to me, as I don't have an Uncle Fred or Aunt Vicky, and the F and V are good enough reminders for me. And still pretty secure.

-ERD50
same thing here. Lots of fake numbers on my phone for all types of various info I need to keep.
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Old 07-10-2015, 09:25 AM   #20
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I never had an issue until a few months ago when the bank called to ask if I had just bought 1000 gallons of gas in Australia. I had not of course, just exactly where do you put 1000 gallons of gas? First and so far only fraudulent charge.
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