Got my credit card counterfeited
April 3rd, 2019, 07:59 AM
#1
Registered User
Thread Starter
Join Date: Oct 2004
Location: Forest Ranch Ca.
Posts: 7,717
Got my credit card counterfeited
Seems my credit card was stolen, not really stolen sense it never left my wallet but somehow the card was duplicated and sales started showing up in Texas. My bank called me up and was checking how I could be buying gas in California as well as Texas at the same time and was I on a trip?. No trip. Looks like the thief got into my account for about $1.000 so far, Bank has put a stop on that card and hopefully I will be reimbursed but what a pain. I'm now calling my accounts that have my credit card on file and letting them know not to try and use that number as it is shut off and I will be getting a different card and resetting up my account in the next two weeks when my new card gets here.
The gent at the bank had no advice on how this happened or what I could do to keep it from happening again. Kinda at everyone's mercy. For the want of convenience this is what you have to put up with. I think I want the days of green money back...... Tedd
The gent at the bank had no advice on how this happened or what I could do to keep it from happening again. Kinda at everyone's mercy. For the want of convenience this is what you have to put up with. I think I want the days of green money back...... Tedd
April 3rd, 2019, 11:12 AM
#3
Moderator
Join Date: Jul 2007
Location: Edmond, OK
Posts: 15,883
Tedd, that's good that your bank gave you a call. I experienced the same thing not too long ago. I got a call from my bank and they asked me if I bought White Castle hamburgers in Chicago, IL. Not only was I not on a trip to Chicago, but I think White Castle is DISGUSTING! 
In my case, I think my card number was swiped a few days before when I put diesel in my truck at a hi volume gas station that I don't usually shop at. Usually, I get gas and diesel at the Sam's Club in town. I think the only protection consumers have is to try to make purchases from reliable businesses and be on the lookout for skimmers. I hope you get reimbursed promptly.
In my case, I think my card number was swiped a few days before when I put diesel in my truck at a hi volume gas station that I don't usually shop at. Usually, I get gas and diesel at the Sam's Club in town. I think the only protection consumers have is to try to make purchases from reliable businesses and be on the lookout for skimmers. I hope you get reimbursed promptly.
April 3rd, 2019, 12:59 PM
#4
Beer Connoisseur
Join Date: Aug 2008
Location: Daly City, California
Posts: 2,090
That happened to me couple of times. It's weird cause my bank declined a charge from when I took my parents out to dinner, and embarrass the crap out of me, because it was out of town (an hour away). However scumbag in Thailand was able to charge $2,300 worth of shoes and purses on Chinese website, and that did not raise a flag. SMH.
April 3rd, 2019, 01:04 PM
#5
Administrator
Join Date: Oct 2009
Location: Poteau, Ok
Posts: 40,551
Thanks for the gas Tedd… Kidding. Was that $1.00 or $1,000? First off the bank needs to cover the purchase, secondly they need to issue you a new card and cancel your current one. There are ways to notify you via email on purchases over a certain amount and type.
April 3rd, 2019, 04:43 PM
#8
Gary
Join Date: Feb 2014
Location: Gillespie County Texas
Posts: 2,075
Tedd, there is a lot more credit card fraud happening in the last 10 years. I buy a lot on the internet and that is the source of the actual fraud on my account. This happens roughly once every other year, usually from a foreign purchase, sometimes by an intercepted number as you found. I have to wait for a new card in that case.
More frequently, my card number is one in a batch lost by a merchant. My bank changes my card number for that also--that happens at least once a year. In that case I get a new number but my old card still works until my new card arrives.
My bank has now become extremely proactive about suspected fraud. They stop my card about four times a year due to suspect purchases. Most of this is just my buying something unusual. If I get a refused charge I know to go to the bank website and verify that the charge is mine. Some banks will allow this to be confirmed by text message. Then my card is immediately released and I can make the purchase. As an alternate, I can call before the purchase and clear it with them so the charge goes through smoothly.
As Ishlsh2 suggested, you need to carry 2 cards, one of which is just a backup so it's not subject to frequent problems. It's the current reality.
More frequently, my card number is one in a batch lost by a merchant. My bank changes my card number for that also--that happens at least once a year. In that case I get a new number but my old card still works until my new card arrives.
My bank has now become extremely proactive about suspected fraud. They stop my card about four times a year due to suspect purchases. Most of this is just my buying something unusual. If I get a refused charge I know to go to the bank website and verify that the charge is mine. Some banks will allow this to be confirmed by text message. Then my card is immediately released and I can make the purchase. As an alternate, I can call before the purchase and clear it with them so the charge goes through smoothly.
As Ishlsh2 suggested, you need to carry 2 cards, one of which is just a backup so it's not subject to frequent problems. It's the current reality.
April 3rd, 2019, 09:27 PM
#9
Registered User
Join Date: Sep 2017
Location: St. Paul Minnesota
Posts: 4,012
They say........ "plastic makes a woman happy". I thought they meant credit cards, I guess that isn't the only thing. .....Just my two cents worth.
April 3rd, 2019, 10:22 PM
#10
Moderator
Join Date: Sep 2006
Location: Medford, Oregon
Posts: 13,690
A good friend of mine had this happen a couple weeks ago. The hackers ran up about $900 in Southern California and he lives here in Medford Oregon. I do a lot of stuff online and purchased a lifelock subscription. A few years ago I was opening a bank account and getting a credit card with it. In the middle of filling out the paperwork I get a phone call from lifelock asking if its me requesting a credit card. I see it as insurance that will save me some headaches if any credit cards or bank accounts are hacked. John
April 4th, 2019, 06:01 AM
#11
Registered User
Join Date: Mar 2012
Location: Merrill, WI
Posts: 787
Happened to me a year ago. I was driving from Atlanta to Tampa and stopped at a convenience store to fill up. Apparently someone had a reader on the pump. I wasn't 50 miles down the road when I got a call from my bank asking why I filled up twice at the same place and did I buy a bunch or products inside? They cancelled the card right away and it never cost me a cent.
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