Tags: fraud

12/06/12

  08:59:00 am, by The Dreamer   , 616 words  
Categories: General, Wireless/iPhone, Travel

Bank of America strikes again

Every now and then, Bank of America would call me to verify charges, which seemed annoying....they most often would do it every time I placed an order with NewEgg.com. Of course, NewEgg.com doesn't charge the card at the time of checkout, so you don't know what's going on when they do process the charge, and telling them to try again doesn't work.

But, recently I found my card wasn't working. I don't use the card as much at the moment (with the current Cash Back promotion on Discover), but still there are occasions...like during Black Friday/Cyber Monday...

I call to find out what's up, and keep getting disconnected from one number that's supposed to be available 24/7. I then call another number, and they tell me that there's a fraud lock on my account and that I need to call the fraud security number. The 24/7 number I had been calling. But, then the customer service rep adds, that they're closed right now and to call back tomorrow after 8am. Huh?

After this I check my caller ID log to see if any Bank of America calls had been received. There hadn't been, but I recognize one of the unlisted 866 numbers. It called at 11:34am on November 29th, and left no message. That hardly counts as a contact attempt, since in the past they do leave messages and they used to be identified as from Bank of America. Though recently Discover did the same thing, where in the past the calls came from an identified number (which I had saved, so it would be recognized when it showed up on my cell...and I changed my phone setup to only pass a specific group of numbers to my cell....at first to limit work calls going to my cell....but later to limit the calls since I'm on a prepaid plan now.

Well, I call this morning to find out what's up. And, they tell me that a number not associated with my account called my card (but associated with fraud), when prompted for identity verification information....like last 4 of social or my zip code, and eventually confirmed by zip code. The number is associated with attempting to access the points balance on cards that have points. (Mine does.) Back on November 27th.

This was after they had me verify with additional questions from my account usage to verify identity.

They check my points balance, and there doesn't seem to be any redemptions and the balance appears right.

Because they had called, once on November 29th and left no message. That constituted a failure to reach me regarding suspicious activity on my account, so they suspended my account on the 29th. My last transaction was on the 28th, and that worked fine. With a upcoming direct charge around December 2nd....which hasn't shown up yet. Though they took my card payment on the 30th.

But, now they are going to go and cancel my account and issue a new card...which takes about 7 days. Unless I'm in a rush, then they can FedEx a new card to me tomorrow. Well, I'm about to go on a business trip...so yeah, I'm in a bit of a rush. Though when I travel, Amex is my primary card. "Don't Leave Home Without It" &#59;D So, they will FedEx me a new card...and add a note on my account of my immediate travel plans.

Darn, and I just setup an automatic bill to my card recently...which I'm going to have to update, or will I? I setup Amnesty International again, which was also right around the last time I with through the card replacement due to fraudulent activity.... just a coincidence?

:hmm:

Wonder how to update those charges?

04/16/09

  07:26:58 pm, by The Dreamer   , 425 words  
Categories: General

Chase Fraud Update

Today I got the letter from Chase telling me that they had been informed of the unauthorized charges, ummm. But, it was Chase that informed me of the unauthorized activity on my card and closed it. And, they wanted me to confirm the charges on or after April 2nd that were authorized or unauthorized.

Except that they included the authorized charges I had made on April 2nd and April 3rd (charges which I had indicated during the call with the Chase Fraud Department as authorized ones, just local fast food charges), but omitted the unauthorized (online) charges that had occurred on April 3rd and had triggered them calling me in the first place. They only listed a couple of the unauthorized charges, missing two before it and one after it.

So far no new charges have appeared on line. And, there shouldn't be...because I haven't used my new card yet. I plan to, but it probably won't be until sometime into the next billing cycle.

Full story »

04/14/09

  08:30:30 am, by The Dreamer   , 147 words  
Categories: General

Fraud & Chase is starting to really bug me.

Today, yet another charge that was clearly fraud...showed up for my new account. "PURECOLONACAI" The transaction occurred on April 9th, which is between the time that Chase Fraud closed my account on April 3rd and before I received my new card (and called in receipt of) on April 10th.

I'm starting to think that maybe I shouldn't have, since I'm not feeling the urge to ever use Chase again.

I called Chase Fraud Department again....and they said I should see credits within 48 hours. I asked if this would put an end to new ones appearing....but didn't get the warm sensation that it would end things.

Of course, the call yesterday (with Voicemail) from Chase saying that they want me to submit receipts proving that the fraudulent charges weren't mine before they will take action on the charges doesn't make me feel any better about their operation.

Hmmm.... :**:

04/09/09

  07:42:04 am, by The Dreamer   , 112 words  
Categories: General

Chase Fraud Fail

The Chase Fraud Department has failed. They closed and canceled my card on Friday saying there was suspicious activity that they blocked, and wanted me to confirm (which I didn't.)

Except that my new account is showing those suspicious charges made on Friday and Saturday....a new account that I haven't yet gotten the new card for, or activated, yet.

Last time this happened, when they said they would take care of the unauthorized charges....I never saw those unauthorized charges.... But, this time they went and posted the charges yesterday to my new account? >:-(

Full story »

04/03/09

  04:09:33 pm, by The Dreamer   , 167 words  
Categories: General

Call from Chase Fraud Department today

For the 3rd time since I've had a Chase Perfectcard, I've had my card closed by Chase due to fraudulent online charges.

First time was in April 2005. The second time was in January 2008. And, now a third time....April 2009. This and the first time, are both before I plan to go on trips....so some added inconvenience.

Not sure I sense a trend.... :hmm:

I don't understand why there's so much trouble with this card, and not my other ones....Visa, Discover, American Express. With the exception of American Express, the cards get pretty much the same kind of usage...most of the same places in brick and mortar use (except places that don't accept Discover)...and generally the same kind of online activities.

The last time this happened, I talked about whether or not I should be looking for a different company to provide me a Mastercard. Perhaps it is time to revisit that idea again.

If only it wasn't such as hassle, etc. Plus the timing sucks this time again....

Now instead of subjecting some poor random forum to a long rambling thought, I will try to consolidate those things into this blog where they can be more easily ignored profess to be collected thoughts from my mind.

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