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credit card number drama take II

My credit card number got stolen AGAIN, am I just cursed or is something up? It happened in July... it was minor, I was looking over a statement and saw an $80 charge for American Eagle. This is basically a card I use for gas and the occasional restaurant, I don't buy many clothes and definitely haven't bought them from a little shop at the mall in years. I called AE, they said that it was some boots bought online and shipped to an address that was definitely not in Wichita Kansas.

The was the only weird charge I saw, so I called my credit card company and got new cards and they took the charge off.

Then I'm hanging out at home Saturday night and I got a call from some 1-800 number that I didn't recognize, so I didn't answer, but the call 30 minutes later from the same number I did answer because they apparently really wanted to get hold of me. It was a Chase automated line, asking me to "verify activity". I hung up, went online and logged in, and there was $100 to an insurance company, $200 to not-my-cable-company, $80 to walgreens, and a warning message asking me to call them.

At least they caught it early, they said the number was used at the walgreens website something like 12 times and only one of the charges went through, so that was nice.

I'm still questioning though... I thought "billing" and "shipping" addresses were kinda supposed to match when you buy something online? Can anyone just use any credit card for anything? Because that's what it feels like.

And how the hell is my number getting out twice in a few months? Just a coincidence? I don't use this card for anything automatic... I have another card for that, and it's managed to not get stolen in years. In both these cases, my cards were still in my possession.

thank goodness credit card companies are cool about this and just remove whatever you tell them.

Comments

( 11 comments — Leave a comment )
okoshun
Nov. 19th, 2013 03:48 pm (UTC)
One of my credit card companies just kept cancelling my card every time I shopped at a location that was known to have had fraudulent activities. Not that there were actual fraudulent activities, but that there *had* been fraudulent activities there.

After the 5th or 6th time, I dropped the credit card. It looks like anytime I used a particular gas station, that's when it triggered the system to cancel my card. A major brand gas station, near my house that I used from time to time.

Apparently gas stations are a hotbed of activity of this type.

The card we switched back to (I'd cancelled due to high yearly fees) sends me an email and calls me to ask about charges as soon as they happen. I like the way they do things better.

That sucks that it's happened twice.
ms_geekette
Nov. 20th, 2013 05:30 am (UTC)
Yeah, a coworker of mine got his debit card number stolen at a gas station, and luckily closed out his account before it was wiped out by some large charges coming out of Mexico or something.

You might want to look a bit closer at the gas stations you are going to, especially if that's the main place you are using this card. Although, it's probably not hard to steal a CC# and expiration date at a restaurant, either, if it's a motivated employee who isn't swiping the card in front of you. They could just take a quick picture or something.
tweekers
Nov. 19th, 2013 03:53 pm (UTC)
Shipping and billing addresses can certainly differ on Amazon.co.uk; only yesterday I got a package delivered at my home but paid for by my brother who lives no where near me.
astrogeek01
Nov. 19th, 2013 04:17 pm (UTC)
If billing and shipping addresses had to match my Christmas shopping would suck a lot.
sailorgarnet
Nov. 19th, 2013 04:23 pm (UTC)
If billing and shipping had to match I'd be screwed since I use UPS and Fedex quite often and they don't deliver to my PO Box.
(Deleted comment)
aryanhwy
Nov. 19th, 2013 08:48 pm (UTC)
How aggravating! But yes, thank goodness for credit card companies who are on the ball to catch these things. We not infrequently get requests to verify activity on our cards, simply because we travel so much and our actual activity does tend to look like our cards have been stolen. (The week that we had charges in the Netherlands, France, Portugal, the US, and Christmas Island certainly threw up alarm bells! I was in Amsterdam, he was in Paris, we met up in Estoril for vacation, while there, renewed our domain name and purchased some things online).

Companies that require the billing and shipping addresses to match, though, are a HUGE pain. We routinely order things and have them mailed to places where we don't live: Quite often there are things that we want to buy and pick up when we're visiting in the US, to save on shipping, so we'll have them shipped to my parents, Joel's business partner, friends, whomever we're planning to see. Having to call our bank to authorize the addition of a new shipping address before we can make the purchase is such a hassle, esp. since you rarely know before you're at the point where you want to click "purchase" that you're dealing with a company where you have to do this. It takes enough time to get the new address added (sometimes days, if they don't do it properly the first time), that we have more than once almost missed the window of opportunity to purchase the thing we need to have before we can no longer pick it up from the place we want to pick it up (a new laptop for my husband was the most recent).

I also love the flexibility of being able to shop online for my nieces and nephews and have the packages mailed directly to them.
jume
Nov. 20th, 2013 03:59 am (UTC)
One important thing I learned when doing customer service is that our system (and many many others) only do zip code verification, and only against the billing address.
sharya
Nov. 20th, 2013 04:49 am (UTC)
Nice that they dropped the charges.

So I saw this come up on my facebook,and I thought of you immediately.
http://www.upworthy.com/if-3-little-girls-did-this-to-my-house-id-do-everything-i-could-to-get-them-full-rides-to-stanford
daidy
Nov. 23rd, 2013 07:33 pm (UTC)
When I worked online retail (7 years ago, things may be different now), we only verified the billing address and not shipping addresses most of the time.
meemo506
Nov. 25th, 2013 02:58 pm (UTC)
When my credit card number got stolen, the bank called me immediately because a) pretty sure the person bought some penis enlargement pills and b) they had only used the correct number, not the correct name and address.

The lady on the phone told me that they have a program that just generates numbers until something works out, but that it's usually obviously a fraud because they don't use the right name or address. The card might process but the bank knows immediately that something is up. I'm surprised they didn't catch yours sooner. I mean, my card was through Bank of America and they're pretty incompetent.
( 11 comments — Leave a comment )

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