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CREDIT CARD FRAUD something i bet most of us never knew

powerboatr

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long story but its funny, not funny, funny, angering then ....

last month about the 2nd my wifes debit/credit card was used fraudulently at AT&T and Hello Mobile
we did the normal thing, cancelled card, got a new one issued and bank gave us our 500 or so dollars back
we set harder restrictions on our cards , texts notice of use, no RECURRING or AUTO pay. no new accounts with a code from our phones etc. we never had auto pay on any accounts we pay online. NEVER

so when her card was violated the jack wagon set up an account with AT&T with AUTO PAY (which we found out later)
so 12 days later we get another AT&T charge on her NEW debit card, it has a completely new number and had just been activated the day before, she had not even used it yet.

so again i cancel her card and called the bank and subsequently cancelled mine to be safe, request new cards with new numbers etc.

while waiting for them to arrive, i called AT&T and played dumb and got the persons first name and last 4 of his phone number, before the ATT&T figured out i didnt know the test questions to this account. Mind you at the time i did not have an ATT account other than the modem in the truck and it was still on the free part and no credit cards were on file. they had my cell as a secondary number..??? AT&T fraud department is a freaking joke from the get go.

MY bank investigator called me and asked what controls we had on our cards and mentioned a program VIA visa that VISA automatically transmits NEW CARD numbers to merchants you have auto pay with so you the end user does not have interruptions from cards expiring etc.. and we need to OPT out of this service.
OF COURSE I SAID WTF??? who is the smart one that even had that turned on? he said he has found that no one knows of this as its a program between visa and approved merchants.

he removed the permission that i had no idea were there and i still have not found them on my user agreement.

but here is the link to the program offered to approved merchants by VISA, and i suspect all major credit card companies
of course AT&T is an approved merchant...sooooooo you get flucked without even knowing it or a kiss.
so when the dickhead opened an AT&T account using my wifes credit card info, he selected auto pay and since AT&T is an approved merchant, VISA did me a solid and transmitted new card info to the fraudulent account . WTF WHOLLY SANDCASTELS OF HELL is going on? VISA touts security and protect your info, meanwhile they give it out and you may never know.
so you might want to call your visa or other credit / debit card company and make sure you are OPTED out of the service.

https://developer.visa.com/capabilities/vau
" Secure Exchange of Account Updates
Visa Account Updater (VAU) enables a secure electronic exchange of account information updates between participating Visa card issuers and acquirers for credential-on-file merchants, which enables a more seamless payment process.
When participating issuers re-issue cards, they submit the new account number and expiration date to VAU. Participating merchants send inquiries on their credentials-on-file to VAU and are provided with updated card information, if available. This helps participating issuers retain cardholders by maintaining continuity of their payment relationships with participating merchants."

 
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powerboatr

powerboatr

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we are still pretty hot about it
you do all the stuff the stop thieves from getting your data and visa gives it away.
 

FrankThompson

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I don't get why when. You said "x charge is fraudulent" why they didn't block that vendor from getting updates. Seems like a complete miss on their part.

I've used the feature/service you mention and I actually like it when a card expires. Discover will send me emails saying "you had a charge on your old number, don't forget to change it to your new number". Lets me get those charges that I know about but may have missed.

I also use auto pay on all our CCs but Im also reconciling those accounts at least once a week. A fraudulent charge would never make it to the point I would have paid the cc company for that charge.

Sucks it happened and I'm glad you shared because if we did have a lost cc or fraudulent charges I now know to tell them to opt out of that service for that card number change. I never would have thought about that until I read this.
 
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powerboatr

powerboatr

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I don't get why when. You said "x charge is fraudulent" why they didn't block that vendor from getting updates. Seems like a complete miss on their part.

I've used the feature/service you mention and I actually like it when a card expires. Discover will send me emails saying "you had a charge on your old number, don't forget to change it to your new number". Lets me get those charges that I know about but may have missed.

I also use auto pay on all our CCs but Im also reconciling those accounts at least once a week. A fraudulent charge would never make it to the point I would have paid the cc company for that charge.

Sucks it happened and I'm glad you shared because if we did have a lost cc or fraudulent charges I now know to tell them to opt out of that service for that card number change. I never would have thought about that until I read this.
EXACTLY, i asked same question as to why visa didnt block AT&T they knew it was a fraudulent account. made zero sense to me. I guess thats why they refunded the money almost immediately after i spoke to a human.

if i had received a call or email telling me account XXX had an expired card on it, i would have been cool and then had the AT&T account number of the criminal.

we have zero auto pay, i use bill pay through my bank, i set the amount and to who and when and the do it all with out my numbers. works very well.

even my at&T modem in truck is not being held hostage with a credit card, i paid a year in advance then removed the card after it went through and they don't have my new number now either .

we check our banks religiously every morning. and added a few more text alert options and put more security on our credit.

visa or any card company should have the notice of how they auto update in the 1st line of your user agreement . i sure bet the criminals knew it and thats how they exploited it 2x.

hello mobile tried to argue saying my wife did the charge online and they could prove it.
hmm fail. my wife has a very different way of spelling her name (its a common name as well) and the documents they provided the bank were not correct,

i just wish visa would bbq the thieves in hot molasses

 

 
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