View Full Version : Credit Card Fraud

08-24-2007, 12:42 PM
So, I'm trying to buy some new ink cartridges from epson using my class action lawsuit certificates. Epson rejected my credit card. So I call them, everything goes through, until I receive and email rejecting it again. Now I'm getting pi$$ed, figuring they are just making it difficult to cash in the certificates. Called them again, and patiently explained what has happened and give them another card #. He stays on the line long enough to ensure me the charge was accepted, and it was. Two days later, I use the ATM, and it spits my card back out saying something the effect, it's deleted. Off to the bank, where they have me talk to a loss prevention specialist. Apparently, they picked up two charges, where the first triggered the computer to watch status, and the 2nd froze the account. Bottom line, the bank lost very little money, and I didn't lose any. Impressed with how fast they locked the account down. they also mentioned another customer that had used the card ONCE, at a restaurant, and it suddenly started with fraudulent charges. I'm really careful with my card, as careful as I can be and still actually use it. Can't say I'm going to change any behavior with this incident.

08-24-2007, 01:19 PM
Good thing they caught it

08-24-2007, 01:53 PM
Banking systems usually can't catch the first transaction, but if two online purchases occur in a certain time period it will shut down the number until verification occurs. There are a number of things that cause this but online is the first step, then drop shipping to a address not associated with the card will flag the sale. It is different if you use a physical card at say Best Buy and then stop by Circuit City, as then the onus and loss is on the retailer to verify the card and your identity.

08-24-2007, 08:10 PM
Bank called back again today. The first transaction was done without an expiration date.