CC fraud stinks, but my bank comes through

**Pianolady** · 12-09-2010, 01:21 PM

Someone has been trying to use my credit card in the UK in hopes no one would notice I guess. Now I wonder what online retailer sold my information? This happened last year too, but the charges were denied and I kept the same number. Same country, same charge attempts this year as last year. Weird. (Attempted charges were for AOL, Skype, stuff like that, but from the UK, some charges were as small as $.02)

No harm, all the charges were denied by the bank from the get-go, but now I demanded to get a new number & am changing all my passwords (again, I do so often) everywhere as a precaution. I'll have to change all my auto-payments too. Small price to pay though to start over with a new #.

This is why you NEVER use your checking account debit card online.....ever. Use a credit card with a good fraud prevention department (US Bank has been great and catches all unauthorized charges). Perhaps they are more diligent since my card is set up through my business, and I keep a constant fraud alert on my credit reports.

....and yes I pay it off in full every month.

**Palooka** · 12-09-2010, 01:26 PM

Well that stinks but I'm glad they caught it!

**mschrief** · 12-09-2010, 01:47 PM

That is one reason I love PayPal. I feel pretty safe using their service.

**HappyMama** · 12-09-2010, 01:48 PM

I am glad the fraudulent charges and use were caught.

**Darlene** · 12-09-2010, 01:49 PM

Can't believe they didn't insist on changing the number the first time.
Glad things worked out ok for you.

**xtena** · 12-09-2010, 07:09 PM

Originally Posted by mschrief

That is one reason I love PayPal. I feel pretty safe using their service.

A friend of mine had her paypal hacked somehow,even with a secure password. She had a heck of a time dealing with Paypal to get the fraudulent purchase (a laptop) reversed.

**frugalfranny** · 12-10-2010, 02:34 AM

Whew.......glad you caught it and got it worked out.

**nodmicks** · 12-11-2010, 07:47 PM

Very glad they caught it!

**Englishlady** · 12-12-2010, 01:59 PM

CC Fraud is truely international now.

I had my UK card used in the USA, they bought slimming products and magazine subsriptions!!!!!!!!

I think the fruad police should be looking for an overweight magazine addict LOL!

In one year we had four, yes 4 cards defrauded, it was a bad year.

In each case the bank changed the number as sometimes the fraudsters "hang on to" the card and try to use it again in 6,9, or 12 months time.

Glad to hear you bank was good about sorting it out though

**dianne9106** · 12-12-2010, 04:48 PM

Originally Posted by xtena

A friend of mine had her paypal hacked somehow,even with a secure password. She had a heck of a time dealing with Paypal to get the fraudulent purchase (a laptop) reversed.

I had my paypal account hacked once - something was purchased through Wal-Mart. Not only did they hack my account, but they hacked my email to put the Paypal emails into my junk filter so I never even received them! My paypal account was linked to my spending account through USAA and my spending account had our main checking account as overdraft protection linked to it. So, we were out $645 for about a week - but paypal was very quick to follow through everything as fast as they could regarding the investigation and even paid me back the fee for having to use our account as overdraft. I still use paypal and I even have a debit card with it now, but if it overdrafts due to fraud, it does not go past my personal spending account. However, I make sure to change my passwords to all accounts often.

As to the op - glad your bank followed through quickly!