I tend to check all my accounts online at least a couple of times a month, but I rarely get a surprise. Had one this morning though.
While looking at my checking account, I saw a transaction for an auto-pay of a credit card from Chase last week. Only the last four digits were shown, and I didn't recognize them. I have a couple of credit cards through Chase, but that wasn't one of them. The payment was for a little over $1,000 so hardly insignificant.
I called the bank and the "helper" was utterly unable to assist. He said he had no access to my data so he couldn't even tell my the full number of the credit card. After about 15 minutes with this clown he finally admitted that he was just looking things up in his own help system. I gave up and terminated the call.
Then I went back online to the checking account and entered a dispute for the charge, noting that I didn't have such a credit card number and it was obviously fraudulent. They got back to me within an hour telling me they agreed and had reversed it.
All well and good, but two questions:
1. How did someone open a credit card in my name when my credit has been frozen at all agencies for a long time (at least a year)?
2. How did they get an autopay authorized at my bank without any notification to me?
I swear, you really have to stay on your toes these days!
While looking at my checking account, I saw a transaction for an auto-pay of a credit card from Chase last week. Only the last four digits were shown, and I didn't recognize them. I have a couple of credit cards through Chase, but that wasn't one of them. The payment was for a little over $1,000 so hardly insignificant.
I called the bank and the "helper" was utterly unable to assist. He said he had no access to my data so he couldn't even tell my the full number of the credit card. After about 15 minutes with this clown he finally admitted that he was just looking things up in his own help system. I gave up and terminated the call.
Then I went back online to the checking account and entered a dispute for the charge, noting that I didn't have such a credit card number and it was obviously fraudulent. They got back to me within an hour telling me they agreed and had reversed it.
All well and good, but two questions:
1. How did someone open a credit card in my name when my credit has been frozen at all agencies for a long time (at least a year)?
2. How did they get an autopay authorized at my bank without any notification to me?
I swear, you really have to stay on your toes these days!