have you ever got your VISA frauden?

[VanillaPep]

Hi,

I just found out that my VISA got used by an unknown person, 1 month ago. Did this ever happened to you and how did you handle this? VISA told me to go to the police to get a report..

Thanks,

[Jin-n-Juice]

Hi,

I just found out that my VISA got used by an unknown person, 1 month ago. Did this ever happened to you and how did you handle this? VISA told me to go to the police to get a report..

Thanks,

Yes, someone stole my unactivated Visa card and activated it... They took out $3200 cash advance. Visa's fraud department called me to let me know. They sent me out an affidavit for me to sign (to swear that it was not me who did the transaction). I also put a fraud alert on my Equifax and Transunion, just in case.

I also got a suspicious call before I found out my visa was stolen, and I went to the police station to file a police report for it. They told me that I didn't need to file a police report for the fraudulent Visa use because Visa handles it, but I told them that I got the suspicious call and that I wanted to file a police report just in case. I got a report/file number and I gave Visa the report number and never heard from either party again.

[VanillaPep]

I contacted VISA and they "required" me to get a police report before they start investigating. How come in your case, you are not obligated to..

The same happened to me, I never received the card that was mailed, and someone got it and activate it and used it. Shouldn't VISA take responsibility for it? However, i only found out more than one month later...

[Prospero]

I contacted VISA and they "required" me to get a police report before they start investigating. How come in your case, you are not obligated to.

Might be a different bank issuing your Visa than his. Remember that "Visa" is essentially just a payment network your bank uses. It is actually the bank issuing the card that has responsibility for the account, and they may have different requirements.

That said, I've had my card ripped off several times (always when I'm overseas in Asia) and TD Visa has never needed more than the signed affidavit. But, they have always been the ones to catch it first, not me. Every single time it has been them calling me to advise me that my card had been compromised.

[Jin-n-Juice]

I contacted VISA and they "required" me to get a police report before they start investigating. How come in your case, you are not obligated to..

The same happened to me, I never received the card that was mailed, and someone got it and activate it and used it. Shouldn't VISA take responsibility for it? However, i only found out more than one month later...

Maybe different bank? I'm with RBC.
Maybe it's because the fraud department caught it first before I did?
Maybe because I've been a RBC Visa client for 5+ years, and RBC client for 10+ years? who knows...

But just goto your local police department front desk, and tell them you want to file a police report due to a stolen credit card. They'll give you a report number and just give that number to your bank.

[Just Confused]

Might be a different bank issuing your Visa than his. Remember that "Visa" is essentially just a payment network your bank uses. It is actually the bank issuing the card that has responsibility for the account, and they may have different requirements.

This is true. In just the last few months I've had two cards from two different issuers used in fraudulent transactions. The outcome was favourable in both but slightly different process. Neither asked me to report a lost/stolen card to the police.

Capital One Mastercard (July 2007). My statement arrived with a $2300 United Airlines flight billed to it. I called them and the fraud department immediately reversed the fraudulent charges, but I had to pay off the remainder of the balance including charges I had just incurred. They cancelled the card on the spot and mailed me an affidavit to sign. Once all my balance was paid and I had mailed back the affidavit they sent me a new card and a new number. The whole process took about a month.

TD Visa (August 2007) Same thing.. the statement arrives with two small charges at a local restaurant and a mall store (to neither of which I had ever been) for $160 and $50 respectively. Called them up. Their fraud department did not cancel the card. I believe I may have requested that because I had a bunch of pre-authorized payment activity on that card and a supplementary cardholder away on a trip at the time. They may have agreed because it was such a small amount and I hadn't lost the card. Their response was to send a message to these vendors to provide the paper backup of the charge slips to TD Visa. I still had to pay the several hundred in fraudulent charges that month to avoid interest penalty! (gotta love banks!). The fraud department warned me that it could take several months to get the paper slips and confirm signatures etc. Of course, I started closely watching my card activity online... nothing else happened. In mid October my statement arrived with full credit for both charges, but not a word from TD Visa. So I am presuming the vendors could not, would not or didn't bother sending in the paper backups for signatuure comparison?

For the benefit I get from credit cards I can't really complain about either of those processes. I hope you're as lucky with your situation

[gerbil]

there was this one time @ the gas station ...
I swiped it and it didn't go through .. so I swiped again. This time I was denied.
I went inside to have it swiped and it didn't go thru.

We immediately called our CC company and ask what was going on.

The said that it got swiped 2x with no transaction.
So, they cancelled it and reported stolen.

I told them that it was gas for $15.

[Just Confused]

The card issuers (banks) all use predictive software to limit their risk becuase it's costing them billions every year.

Depending on the issuer, when their software identifies a suspicious trend they usually do one of these things:
i) phone you to confirm
ii) temporarily lock the card until you call them
iii) ask the vendor processing the transaction to call in immediately so they can speak with you on the spot

I've had cards with most major issuers at one time or another and I've personally had all of those things done to me. Probably on average once a year.

The predictive software is different with each issuer. In one case I went to a gas station, a liquor store and a hardware store in that specific order on a Saturday morning. I was asked to speak to the bank while at the checkout clerk in the hardware store. Apparently, the software predicted my car had been stolen and that was a typical sequence of car thieves.

Overall, these inconveniences protect me so I don't mind

[prying eyes]

So when the bank called you were you "Just confused"?? :lol: :lol: The card issuers (banks) all use predictive software to limit their risk becuase it's costing them billions every year.

Depending on the issuer, when their software identifies a suspicious trend they usually do one of these things:
i) phone you to confirm
ii) temporarily lock the card until you call them
iii) ask the vendor processing the transaction to call in immediately so they can speak with you on the spot

I've had cards with most major issuers at one time or another and I've personally had all of those things done to me. Probably on average once a year.

The predictive software is different with each issuer. In one case I went to a gas station, a liquor store and a hardware store in that specific order on a Saturday morning. I was asked to speak to the bank while at the checkout clerk in the hardware store. Apparently, the software predicted my car had been stolen and that was a typical sequence of car thieves.
Overall, these inconveniences protect me so I don't mind

[Drew_W]

What on earth is "frauden" ?

[TheDude79]

What on earth is "frauden" ?

German fraud. As in "Meine Fräulein liebt kreditkarte frauden!!!" :lol:

[slim_shady]

What on earth is "frauden" ?

"frauden" = Proof our schools are under funded.

[UrbanPoet]

They really gotta re-think the system...
All they need to reactivate a visa card is
full name, address, birthday, phone number... Those are all very easy to obtain.

[sunnybono]

Hi,

I just found out that my VISA got used by an unknown person, 1 month ago. Did this ever happened to you and how did you handle this? VISA told me to go to the police to get a report..

Thanks,

I didn't have to handle anything. It was Visa Security dept who notified me after a certain ethnic gang took me for $9k and was kind enough to leave me with $1 during 1997 Xmas!!!! They were caught, Sunoco Gas Station in North York, but the fact that this happened made me feel violated!!!! Got my money back within 24 ours though. Almost happened a second time where PC was just about to issue a $30k unsecurred loc but I caught it in time by just koing a random check on my Credit bureau!!!

sk

[batman321123]

"frauden" = Proof our schools are under funded.

"under funded" = Proof our schools are underfunded.

[slim_shady]

"under funded" = Proof our schools are underfunded.

Irony is obviously lost on you.

[batman321123]

Irony is obviously lost on you.

Way to save face.

[slim_shady]

Way to save face.

Thank you.

[RLP06]

Back to the original topic....

Yes, someone stole my credit card one time, I called in and told them it was lost/stolen they said someone had already used it spent over $1000, then a clerk asked the person to show ID and the person ran away, visa issued me a new card, and that was the end of it, didn't have to do anything on my end

It was however very frustrating, because I'm 80% certain who did it (I think the cashier in a local pizza place was doing it, the guy previously tried to keep my friend's credit card after he used it, but then he asked for it back, it meant nothing at the time, seemed like a common mistake. But I remmeber that was the last place I had it, and maybe he just took it and sold it. Visa's description seemed to match people of his race [not to be racist])
So yeah, I wasn't able to confirm it was him, so I couldn't do anything about it.

[Kommander_KornFlakes]

I never received the card that was mailed, and someone got it and activate it and used it. Shouldn't VISA take responsibility for it? However, i only found out more than one month later...

Okay the question is HOW in hell did that person activated your VISA when you need to call from your home phone (address appears on VISA's call centre phone ID display), you have to give your date of birth, say where you applied for it, give your telephone number and even the maiden name of your mother. I was put through all of this to activate my VISA.
-

[dolphie]

you need to call from your home phone (address appears on VISA's call centre phone ID display), you have to give your date of birth, say where you applied for it, give your telephone number and even the maiden name of your mother.

not even Close to being true.

i called from a pay phone in the mall to activate mine-i didn't realize i hadn't done it 'til i tried to make a purchase.

i had to enter my DOB or my sin number, i can't remember which, but i didn't even talk to a live operator.

[RLP06]

not even Close to being true.

i called from a pay phone in the mall to activate mine-i didn't realize i hadn't done it 'til i tried to make a purchase.

i had to enter my DOB or my sin number, i can't remember which, but i didn't even talk to a live operator.

it really depends, sometimes i had to jump through hoops, sometimes i didnt'

[fly]

Never call a credit card issuer and say you believe someone is conducting fraudulent activities on your card. Just call them to contest a charge. That will make them conduct an investigation and contact the merchant and they'll determine that it's fraudulent. That way, they do everything and you don't have to contact the police.

[hagbard]

I have written on the back of my credit cards "ask for photo id". At one time, almost no one did, now, they almost always do. Still throws me off when they ask though :lol: . This way, if the physical card is actually stolen or lost, and someone tries to use it, they are required to produce photo id, or if the person doesn't ask for it, its their fault. And I also monitor my credit card transactions at least one a week.

[brunes]

I have written on the back of my credit cards "ask for photo id". At one time, almost no one did, now, they almost always do. Still throws me off when they ask though :lol: . This way, if the physical card is actually stolen or lost, and someone tries to use it, they are required to produce photo id, or if the person doesn't ask for it, its their fault. And I also monitor my credit card transactions at least one a week.

Just FYI, this is not allowed under Visa / MC TOC, a retailer can actually refuse your card until you sign it if you do this.

http://www.mastercard.com/ca/wce/PDF/17108_Unsigned_Cards.pdf

What if the card says “Ask for Photo I.D.”
in the signature space?
• The transaction cannot be processed unless
the cardholder’s signature appears in the
signature space.
• As noted on the cards, they are “not valid
unless signed.”


http://usa.visa.com/merchants/risk_management/card_present.html

If the card has a “See ID” in place of a signature…

1. Request a signature. Ask the cardholder to sign the card and provide current government identification, such as a driver's license or passport (if local law permits).
2. Check the signature. Be sure that the signature on the card matches the one on the transaction receipt and the additional identification.

If the signatures appear reasonably the same and the authorization request is approved, go ahead and complete the transaction.