I'm glad they did. I'm just curious about how they detected it. The details:
I've had a credit card for over 20 years. Never had a fraudulent charge before. On Monday, I got an email from by credit card company (Chase) alerting me to a suspicious charge. I phoned in, confirmed it was fraudulent, and they immediately canceled my card and issued a new one. (Which sucks because this was the card I have all my online payments tied to and I'll have to update them all.)
I'm interested in how they detected the charge. It was ~$40 charge at an El Torito restaurant in the city in which I work. Although I hadn't eaten at the particular location before, it doesn't seem implausible that I might have. The fraudsters charged the card three times. The first two failed and the third one succeeded.
I asked the agent I spoke with how they detected it and he said maybe the fraudsters were asked for zip code and got it wrong. I've never been asked for my zip code at a restaurant before. The agent also noted that it was a physical card they used.
My card is a chip card so it occurred to me that perhaps the failures were a result of the fraudulent card not having a chip and being processed as a chipless card through some kind of override after the initial 2 attempts failed. I have no idea but I am curious. Anybody have any insight into how the fraud was perpetrated and detected?
Submitted May 17, 2017 at 01:16PM by klenwell http://ift.tt/2qt8nJ9