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NFT: Credit card Fraudulent charges question

bigblue1124 : 3/30/2017 8:28 am
My wife and I have a AMEX platinum account that we both use with each of us having cards the card numbers are different on each card but drawn through the same account. This morning my wife received and alert from AMEX for a purchase without card present as well a call from an office depot in Atlanta in regards to purchases made online set for pickup at the store. Being we live in NC the store called her to confirm the purchase? It was not us some thief so the purchase was canceled and the card has been turned off and set for replacement with a new number I would assume from AMEX.

This is the 3rd time this has happened to my wife’s card in the last year and a half never any issues with my card. I am trying to figure out how the F??? This keeps happening to her card? Whenever we are out for dinner or anything we use my card so one would think if we were to have issues with stolen credit card info it would be me being at restaurants and such the card leaves my person for the waiter to run the bill?

She does a lot of shopping online some on her work laptop but she also uses her kindle fire often when lounging around the house or in bed. How secure are these kindle things for shopping? I really want to figure out how the heck this continues to happen one time ok but now three times is just messed up IMO.

Any feedback would be greatly appreciated
Look for unidentified cars parking on your street  
I Love Clams Casino : 3/30/2017 8:30 am : link
make sure your WiFi has the highest available encryption and a really annoying password
Be careful of the sites you use the card on.  
superspynyg : 3/30/2017 8:33 am : link
Or if you use free wifi at coffee shops etc,
We had two...  
FatMan in Charlotte : 3/30/2017 8:34 am : link
"emergency" card numbers stolen in the past two years, and we never used them to make any transactions. A lot of thieves will run numbers and try to make a micro-purchase. That's how both fraud was detected. We had a charge for .90 pop up and one for 1.30.

The way card numbers are obtained, it isn't necessarily something the card holder did - it is increasingly because of underground deals where card numbers are sold, hacks, or just phishing.
RE: Look for unidentified cars parking on your street  
Tesla : 3/30/2017 8:38 am : link
In comment 13411520 I Love Clams Casino said:
Quote:
make sure your WiFi has the highest available encryption and a really annoying password


LOL...no, this is not how it happens.

There have been so many data breaches at so many retailers that chances are your card was involved at one. Ever buy anything at Target, Home Depot, etc. etc. etc.? There's really not much you can do to stop ID theft, just be glad it got caught early and that Amex agreed to remove the charges right away.
Apparently the purchase done today was for 2 laptops  
bigblue1124 : 3/30/2017 8:43 am : link

So it was not a phishing purchase it was a large amount. The past 2 other tries were also for larger amounts.

I will update our wifi password I am not sure how one would go about updating the encryption for the wifi any insight?
Online purchasing and credit card readers  
Tuckrule : 3/30/2017 8:43 am : link
That's it. Can't help it and cannot prevent it. Luckily your card company protects you fully. Don't think about it much and move on with your day
So no one thinks the kindle is the issue?  
bigblue1124 : 3/30/2017 8:47 am : link
I would not be upset if it was it would certainly cut down the available shopping hours on shoes and purses.
RE: RE: Look for unidentified cars parking on your street  
I Love Clams Casino : 3/30/2017 8:51 am : link
In comment 13411526 Tesla said:
Quote:
In comment 13411520 I Love Clams Casino said:


Quote:


make sure your WiFi has the highest available encryption and a really annoying password



LOL...no, this is not how it happens.

There have been so many data breaches at so many retailers that chances are your card was involved at one. Ever buy anything at Target, Home Depot, etc. etc. etc.? There's really not much you can do to stop ID theft, just be glad it got caught early and that Amex agreed to remove the charges right away.


It was kind of an "inside joke"....haha....
Doe she use the card for gas purchases?  
tony stg : 3/30/2017 9:15 am : link
We had many instances of unauthorized charges over the last several years (none of which cost me a dime, but it was a pain having to get new cards all the time). We stopped frequenting a nearby gas station that we had heard had a high instance of being a source of card fraud and we haven't had any problems in over a year (knock on wood... used to have two to three issues a year). We also got a second card that we use just at gas stations.

Good luck.

consider using a VPN  
Alan in Toledo : 3/30/2017 9:34 am : link
I enable VPN Unlimited (keepsolid.com) from my desktop PC whenever connecting to any of my financial or purchase sites.

I got a lifetime subscription for, I think, $70.

I disable it otherwise as it adds overhead.
3x in 1 year?  
mrvax : 3/30/2017 10:12 am : link
Sorry to hear this. Got to take all precautions and try to eliminate a few suspects.

See if you can Google hacked retailers and match to your wife's purchases. Some retailers are more security minded than others- after they get hacked.

I've been forced to use a debit card for the last few years and have just been plain lucky.
--------------------------------------------
It wouldn't hurt to suspect a neighbor with that 3x/1 year fact. If it is a neighbor, you really need to ask around locally (a few homes in all directions) to see if they have had recent issues. Good luck.
Tell her to stop using it  
Beer Man : 3/30/2017 10:55 am : link
on those porn site.
This  
mitch300 : 3/30/2017 11:01 am : link
might sound outlandish, have the authorities( local police,FBI) to have home depot identify the person when they come to pick up the item they ordered. Isn't internet fraud a federal offense.
RE: So no one thinks the kindle is the issue?  
Watson : 3/30/2017 1:58 pm : link
In comment 13411541 bigblue1124 said:
Quote:
I would not be upset if it was it would certainly cut down the available shopping hours on shoes and purses.


I have had Kindle fire for several years. I've never had a problem. I've only purchased books through it directly from Amazon. Not sure if buying from another retailer would make a difference.
RE: So no one thinks the kindle is the issue?  
Jim in Fairfax : 3/30/2017 2:26 pm : link
In comment 13411541 bigblue1124 said:
Quote:
I would not be upset if it was it would certainly cut down the available shopping hours on shoes and purses.

Shopping on a Kindle is no more risky than shopping on a laptop or any other device. The danger is the sites you visit or the security of your passwords. While it could be some sketchy sites she's shopping at, it seems unlikely given the number of times it's happened.

Much more likely is her passwords have been compromised. If she's like most people, she uses her email and the same password on every shopping site. And she has her credit card number saved in her account. Once that password has been compromised, the thief can just log in and steal the new credit card number over and over.

She should change her passwords on all her online accounts. Use strong passwords, and optimally different ones on every site. A password manager like Lastpass would help manage this.
Hey, stuff like this is always going to happen  
Stan in LA : 3/30/2017 7:33 pm : link
I set up an account alert with each credit card to e-mail me whenever a charge is over a certain amount(you choose).

Also, get a low limit credit card strictly for internet purchases.

And, don't use your debit card for anything except ATM's(especially if you carry a large balance). I learned the hard way on that when my bank froze my account because of suspicious charges(which were thankfully refunded).

Finally, if you need a debit card, set up one with a low balance, to keep any fraud small.

Virtual credit card  
Jim in Fairfax : 3/30/2017 9:58 pm : link
Some card issuers have a virtual credit card service. I know BoA and Citibank are among them. What this does is it gives you a second credit card card number tied to your account which you can set a charge limit and expiration date on. Good for using on sites you want to buy something from but maybe don't fully trust.

Example: you have a $100 purchase to make. You could generate a new Card # with a $100 limit to use just on that transaction.
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