(Closed) yay, the fraud department called me! someone screwed me over!

posted 7 years ago in Emotional
Post # 3
Member
3281 posts
Sugar bee
  • Wedding: March 2012

Thats so awful! This happened to me a couple of years ago and luckily I got all my money back.

Im sure it will all work out

Post # 4
Member
436 posts
Helper bee
  • Wedding: November 2011

I work for a website company and every order that comes in goes through the fraud dept. before we even charge the cards….the process is longer but we get so many fraud orders a day that to cover our butts we keep doing it!

Post # 5
Member
3638 posts
Sugar bee
  • Wedding: September 2015

At least they caught it! But the hassle sucks. 🙁 

Post # 6
Member
1276 posts
Bumble bee
  • Wedding: August 2011

I got a call like that but I was still charged for the costs. Double check to make sure that doesn’t happen to you! I’m still fighting it and it’s almost been a year. 

Post # 7
Member
159 posts
Blushing bee
  • Wedding: April 2011

yay for the fraud department, and them calling you to make sure you made that purchase! however, it’s really annoying when they shut down your card BEFORE they call you to make sure it’s really you. It happened to SO and I while we were on vacation =/

Post # 8
Member
1810 posts
Buzzing bee
  • Wedding: April 2011

I could be wrong but I thought it was a law that you can’t be held liable for fraud (in the US at least). Although that means that it has to be proven that it’s fraud.

Post # 10
Member
14494 posts
Honey Beekeeper
  • Wedding: June 2011

You might check your computer and your router, I had a virus that scanned my information and it was months before I even knew it was there (and it was in the router also, had to get a new one).  I actually got the original one from FB and it led to a secondary that corrupted the whole system.

Post # 11
Member
939 posts
Busy bee
  • Wedding: October 2012

@Almy_al: my bank shut down my card once and didn’t tell me…for over a week!  And the only reason I found out about it was because I kept tyring to use it and It kept getting declined.  Finally, I got to the bank and they told me that someone in Spain tried to use my account… well, gee…thanks for telling me…

 

 

Post # 12
Member
762 posts
Busy bee
  • Wedding: August 2011

Oh no! Can I ask which site? Don’t wanna be buying something and get charged! That’s terrible but at least they caught it soon!

Post # 13
Member
1398 posts
Bumble bee
  • Wedding: May 2012

I worked for an internet retailer for several years and we never had a case of someones card getting stolen on or from our site. Although people can access your computer remotely without your knowledge, so make sure that you do not have your credit card anywhere on your computer, not in a file or an email or anything like that. Also make sure it is a secure site. You can tell that it is a secure site when you get to the page where you enter any personal info, the http should change to https. I know my old company encrypted the numbers so that even employees could not view anything but the last 4 digits of a credit card. I would not have been able to steal a card number if I had wanted to. Also NEVER give your credit card over the phone to anyone who calls you. Even if you feel it is a legitimate bill.

Post # 14
Member
1941 posts
Buzzing bee
  • Wedding: June 2012

This happened to both Fiance and myself a few years ago, about six months apart, and we had different banks at the time. We both got our money back since it was obvious fraud. We were living in SoCal, his card had been duplicated in New York, mine was being used in Stockton, CA (which I find funny b/c we live in the Bay Area now). It took a few days for each of us to get our money back, but we both got back every penny. My bank called and notified me (Navy Fed Cred Union) he had to call his bank (eTrade). 

Good Luck!

ETA: We moved into a joint account with CitiBank a few weeks after it happened to him (happened to me first) and we’ve been with them for a few years with no problems at all whatsoever)

Post # 15
Hostess
11105 posts
Sugar Beekeeper
  • Wedding: June 2011

@agirlwithdreams7: Sorry this has happened. It’s awful, you feel so vulnerable. Glad you’ve got the money back.

Post # 16
Member
2889 posts
Sugar bee

This has happened to me about 3 times now with my credit card. The first time is scary and then you learn the process and are mostly just thankful they found it before it became a bigger problem. Recently, I got a call fromt eh fraud department to find out that my purchase on a small EU airline triggered the suspicion. Since the first time it happened, I don’t use my bank card for online purchases, credit card fraud, IMO is easier to handle becaus no actual $$ are lost. Maybe something you want to consider for future.

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