Stolen Credit Card Charges

[John105]

Name on that valid ID needs to match, right?

I suspect that folks living in certain metro areas where they know there will be no prosecution do this because… why not? The money that got the DA in their job is also pushing the “stick it to the haves” philosophy… despite coming from $Billionaires.

Wacky times.

Think about Philly where I live. No Reggie, no inspection, no license, illegal tints. The vehicle code states no one is to be pulled over for the above. A trooper who disregarded the above and stopped someone, was investigated and pulled off the road. Surreal. It’s like living in a sci fi 80’s movie.

 

[Hall]

I learned that by law the bank doesn’t have to reverse the charges for fraudulent activity on a debit card.

That's a bank you should consider not doing business with. What the law says and what they choose to do are different things. My credit union offers 100% identical protection on debit cards as they do for credit cards. Why ? Because they choose to.

 

[Hall]

The service rep said the card info was used in an Apple digital wallet too. Isn’t that also able to be traced?

Fake Apple ID account with made-up personal details

 

[Hall]

I've been hacked three times. Once at a gun store. I had a credit card that I never used and decided to try it out at a gun store. It took a few tries to for the payment to go through and within 30 minutes after leaving the store, I was receiving a call from the fraud department. I called the gun store to let them know and they got very defensive.

You weren't hacked. Your credit card company has all sorts of flags or rules they factor when a charge is made. It's why years ago they advised you to call them to tell them you're going to be traveling somewhere and they'd ask where and when. If 99% of your history are purchases within a 30-miles range of "home", sudden charges elsewhere or in another country would definitely be red flags.

Not sure why you called the gun store.... When the fraud people called, you told them it was a valid charge, right ? If so, it's a non-issue to the gun shop.

 

[Leo99]

You weren't hacked. Your credit card company has all sorts of flags or rules they factor when a charge is made. It's why years ago they advised you to call them to tell them you're going to be traveling somewhere and they'd ask where and when. If 99% of your history are purchases within a 30-miles range of "home", sudden charges elsewhere or in another country would definitely be red flags.

Not sure why you called the gun store.... When the fraud people called, you told them it was a valid charge, right ? If so, it's a non-issue to the gun shop.

I wasn't clear enough. My card's fraud department called me 20 minutes after my purchase at the gun store to ask if I purchased several Apple computers. It wasn't the purchase at the gun store that triggered the fraud, it was the fraudulent Apple computer purchases.