Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Several small fraudulent cc charges
Old 11-24-2018, 08:02 AM   #1
Thinks s/he gets paid by the post
 
Join Date: Jan 2014
Posts: 1,543
Several small fraudulent cc charges

Never had this happen before, had 3 charges on my AMEX card all under $2 for company's that I've never used. Uber was one of the charges. I check my credit cards every week because you can only set alerts for as low as $10 on this cc. The charges happened a couple of days ago so I'm surprised there weren't larger charges in the days that followed. What's the point of numerous small charges?
I was surprised that I could get this resolved (and fast) using the "chat" feature on their web site.
__________________

splitwdw is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-24-2018, 08:04 AM   #2
Thinks s/he gets paid by the post
Ready's Avatar
 
Join Date: Mar 2013
Location: Southern California
Posts: 2,370
I had the same problem. Someone is testing your card to see if it's valid with small purchases before using it to run some much larger purchases. You need to cancel the card and get it replaced.
__________________

Ready is offline   Reply With Quote
Old 11-24-2018, 08:16 AM   #3
Thinks s/he gets paid by the post
Rianne's Avatar
 
Join Date: Aug 2017
Location: Champaign
Posts: 2,139
We also had that happen, several times. Years ago, a couple of small charges then "bam" international plane tickets for two. CC companies are onto this scheme, but contact them quickly.You are not responsible for those charges. We've had to cancel three credit cards. That's why I prefer CC to debit cards.
__________________
"If you want to go fast, go alone. If you want to go far, go together.
Rianne is offline   Reply With Quote
Old 11-24-2018, 08:18 AM   #4
Recycles dryer sheets
Choices's Avatar
 
Join Date: Jan 2015
Location: Rural VT
Posts: 299
Your cc company should have explained that this is a test by fraudsters in preparation for a really big charge. Cancel the card and ask for replacement.
Choices is offline   Reply With Quote
Old 11-24-2018, 08:18 AM   #5
Thinks s/he gets paid by the post
JoeWras's Avatar
 
Join Date: Sep 2012
Posts: 4,777
Wow, sounds clever that they are under the notification limit. You really need to call AMEX immediately.

My cards allow notifications for any amount > than $0.01, and I use it.
JoeWras is offline   Reply With Quote
Old 11-24-2018, 08:26 AM   #6
Recycles dryer sheets
Qs Laptop's Avatar
 
Join Date: Mar 2018
Posts: 324
Yep, they're doing some test runs on your credit card using smaller amounts. The fraudsters probably got your card number and information months ago and wait till Christmas time to use it, figuring their fake transactions will get lost among all the other purchases made during the holidays.
__________________
"If James Bond was an Amish spy, he would drink buttermilk. Shaken, not churned."
Qs Laptop is offline   Reply With Quote
Old 11-24-2018, 11:57 AM   #7
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Chuckanut's Avatar
 
Join Date: Aug 2011
Location: West of the Mississippi
Posts: 9,434
Quote:
Originally Posted by Ready View Post
I had the same problem. Someone is testing your card to see if it's valid with small purchases before using it to run some much larger purchases. You need to cancel the card and get it replaced.
+1

If you fail the test, the big charges won't be far behind.

Or, sometimes they will put a small recurring charge on the card month after month after month after month....... It is paid to a fake business the crooks own. 10,000 people paying $4 a month to a fake business is not a bad income.
__________________
The worst decisions are usually made in times of anger and impatience.
Chuckanut is offline   Reply With Quote
Old 11-24-2018, 12:04 PM   #8
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
MRG's Avatar
 
Join Date: Apr 2013
Posts: 8,246
Quote:
Originally Posted by Ready View Post
I had the same problem. Someone is testing your card to see if it's valid with small purchases before using it to run some much larger purchases. You need to cancel the card and get it replaced.
+1

Last time that happened the CC fraud department noticed me, cancelled my card a sent out a new one.
MRG is online now   Reply With Quote
Old 11-24-2018, 12:06 PM   #9
Thinks s/he gets paid by the post
gauss's Avatar
 
Join Date: Aug 2011
Posts: 2,581
Open a ticket with the "disputes" department for this "billing error".

In all likelihood, they will close and reissue new cards as part of their response (as well as credit your account back).

-gauss
gauss is offline   Reply With Quote
Old 11-24-2018, 01:19 PM   #10
Thinks s/he gets paid by the post
 
Join Date: Jan 2014
Posts: 1,543
Quote:
Originally Posted by Ready View Post
I had the same problem. Someone is testing your card to see if it's valid with small purchases before using it to run some much larger purchases. You need to cancel the card and get it replaced.
Was surprised that larger charges hadn't hit my account because it happened several days before I found it.

Quote:
Originally Posted by Choices View Post
Your cc company should have explained that this is a test by fraudsters in preparation for a really big charge. Cancel the card and ask for replacement.
I used the chat feature and they and I didn't "chat" much just the basics. I went from chatting with a customer service rep, then to a supervisor who moved the "chat" to the Fraud Dept. In just a couple of sentences, my new card is being sent out.

Quote:
Originally Posted by JoeWras View Post
Wow, sounds clever that they are under the notification limit. You really need to call AMEX immediately.

My cards allow notifications for any amount > than $0.01, and I use it.
My other cards allow for an alert text to be sent for any purchase.

Quote:
Originally Posted by Qs Laptop View Post
Yep, they're doing some test runs on your credit card using smaller amounts. The fraudsters probably got your card number and information months ago and wait till Christmas time to use it, figuring their fake transactions will get lost among all the other purchases made during the holidays.
I use this card mainly for my recurring gym charge. Rarely use it for purchases, so wondering how they got it. You are right that it could have happened months ago and just using now for the busy season.

Quote:
Originally Posted by Chuckanut View Post
+1

If you fail the test, the big charges won't be far behind.

Or, sometimes they will put a small recurring charge on the card month after month after month after month....... It is paid to a fake front business they crooks own. 10,000 people paying $4 a month to a fake business is not a bad income.
Never heard about the recurring charge. Thanks for posting this, I'll pass it to my friends.

Quote:
Originally Posted by gauss View Post
Open a ticket with the "disputes" department for this "billing error".

In all likelihood, they will close and reissue new cards as part of their response (as well as credit your account back).

-gauss
You are right, I'm getting a new card. I still can't get over the fact that I could do it using the "chat" feature. Love that you don't have to hang on the phone punching numbers and being transferred.

Thanks for all the ideas and replies.
splitwdw is offline   Reply With Quote
Old 11-24-2018, 02:17 PM   #11
Recycles dryer sheets
 
Join Date: Sep 2018
Posts: 147
One of my CC (my primary VISA) emails me for ANY transaction where card is not present. AMEX has called me when an unusual charge (Gaming) appeared. I set my limits tight bec. I would rather read and delete than be surprised.
Octogirl is offline   Reply With Quote
Old 11-24-2018, 02:52 PM   #12
Thinks s/he gets paid by the post
 
Join Date: Jan 2014
Posts: 1,543
Octogirl, To me the 3 small charges (below $2) all on the same day should have been an alert to AMEX. I have my alerts set to AMEX bottom limit which is $10 unfortunately this didn't set off any alerts. I'm just glad that I caught it. I think it was someone on this forum, ERD50 or Audrey maybe, that had said you should check your credit cards once a week. So I made it part of my weekly routine.
I had a pending Amazon charge along with the 3 fraud charges and AMEX said the Amazon charge would go through. I also told them that there would be another charge coming through from Amazon and AMEX said that wouldn't be a problem either. Got a text about a half hour ago from Amazon "payment declined". So glad I have more than one card registered with Amazon so it was easy to switch. Now I have to go back and "chat" with AMEX again because the Amazon charge is still showing pending. Don't want to pay Amazon twice with two different cards. Isn't holiday shopping fun!!
splitwdw is offline   Reply With Quote
Old 11-24-2018, 03:25 PM   #13
Thinks s/he gets paid by the post
JoeWras's Avatar
 
Join Date: Sep 2012
Posts: 4,777
Why did this happen? Who knows. There are so many leaky databases out there. Don't blame yourself.

I've been hit 3 times. 2 of the three were caught by the fraud department. The last one was weird. A $20-odd charge to a parking lot near an airport. I saw it on my next bill, about 25 days later. Really surprised I wasn't hit harder.


I foolishly ignored the email notification for the charge because I thought it was for something else and got confused.
JoeWras is offline   Reply With Quote
Old 11-24-2018, 03:43 PM   #14
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 22,941
We get emails or texts for any no card present charges.
__________________
Retired since summer 1999.
audreyh1 is offline   Reply With Quote
Old 11-24-2018, 05:18 PM   #15
Thinks s/he gets paid by the post
 
Join Date: Jan 2014
Posts: 1,543
Quote:
Originally Posted by audreyh1 View Post
We get emails or texts for any no card present charges.
I just realized that I had not received a text for card not present. I checked my account and I have that checked off in my alerts so I don't know why I didn't receive a text.
splitwdw is offline   Reply With Quote
Old 11-24-2018, 05:56 PM   #16
Dryer sheet wannabe
 
Join Date: Oct 2018
Posts: 21
I had this happen once. I noticed on my account that I had three very small charges to places I'd never heard of and then bang $250 here $500 there. I called the credit card company and told them what I had observed and asked if I needed to cancel the card and get a new one. They told me it had already been canceled.

That was a few years ago and now I use 2 party authentication (or 2nd party) which sends me a text message anytime my account is used on an unknown computer. Makes me feel better and is painless.
Donno is offline   Reply With Quote
Old 11-24-2018, 07:23 PM   #17
Moderator
Jerry1's Avatar
 
Join Date: Nov 2014
Posts: 2,986
Quote:
Originally Posted by splitwdw View Post
I just realized that I had not received a text for card not present. I checked my account and I have that checked off in my alerts so I don't know why I didn't receive a text.
I think they make a fake card or somehow get around that. I had a fraudulent charge in a city that I clearly wasn’t and it said the card was present.
__________________
Every day when I open my eyes now it feels like a Saturday - David Gray
Jerry1 is online now   Reply With Quote
Old 11-24-2018, 08:22 PM   #18
Thinks s/he gets paid by the post
 
Join Date: Dec 2014
Location: Huntsville, AL/Helen, GA
Posts: 3,747
We have a daughter that is somewhat "wayward" and has chosen not to live a traditional life. A number of times, she's got hold of my wife's credit card and/or ATM card numbers and made some unauthorized charges--mostly minor items.

But this past Summer, two months we received charges that were for penal system charges--putting money on inmates' accounts at our local jail for use in the commissary and their phone accounts. Needless to say we had them charged back and cancelled my wife's cards.

Today, two policemen knocked on our door looking for my daughter with a warrant for credit card fraud. I assume Wells Fargo got tired of her illegal activities and they took legal action. My wife and I refuse to bail her out, and she better learn to like the awful food in lockup. We're enablers no more.
Bamaman is offline   Reply With Quote
Old 11-24-2018, 09:57 PM   #19
Thinks s/he gets paid by the post
Ready's Avatar
 
Join Date: Mar 2013
Location: Southern California
Posts: 2,370
Quote:
Originally Posted by Bamaman View Post
We have a daughter that is somewhat "wayward" and has chosen not to live a traditional life. A number of times, she's got hold of my wife's credit card and/or ATM card numbers and made some unauthorized charges--mostly minor items.

But this past Summer, two months we received charges that were for penal system charges--putting money on inmates' accounts at our local jail for use in the commissary and their phone accounts. Needless to say we had them charged back and cancelled my wife's cards.

Today, two policemen knocked on our door looking for my daughter with a warrant for credit card fraud. I assume Wells Fargo got tired of her illegal activities and they took legal action. My wife and I refuse to bail her out, and she better learn to like the awful food in lockup. We're enablers no more.
Wow. Sorry to hear about that. I hope she gets herself together before things get worse.
Ready is offline   Reply With Quote
Old 11-25-2018, 02:56 AM   #20
Administrator
Alan's Avatar
 
Join Date: Jul 2005
Location: Eee ba gum
Posts: 24,939
In 2012 while traveling I noticed 3 charges under $10 from Amazon and after checking our Amazon account called the CC company to dispute them. They told me that since I had an Amazon account I needed to call them even though I could not see any charges. Once through to the Amazon fraud person they confirmed that a new account had been created with my card and I was asked if I knew anyone called “Jane”. I was told that it was fairly common for folks to give their CC details to friends and relatives to create accounts and charge to the card. I was shocked that Amazon allow this without even notifying the card holder that a new account had been created.

Amazon send me an email confirming what had happened which I passed onto my CC company as I canceled the card without paying those 3 charges.
__________________

__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
Alan is online now   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Fraudulent charges on credit card. What to do? Amethyst Other topics 19 07-25-2013 10:42 AM
Prepaying real estate taxes for SEVERAL future years? MooreBonds FIRE and Money 16 01-25-2007 06:40 PM
Fraudulent credit card usage after phonedog, Pioneer Telephone free4now FIRE and Money 1 05-02-2006 06:50 PM
Bill Gross calls CPI fraudulent haha FIRE and Money 1 10-13-2004 01:12 PM

» Quick Links

 
All times are GMT -6. The time now is 12:25 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
×