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down home

south

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Posted: 01/14/21 10:46am Link  |  Quote  |  Print  |  Notify Moderator

We had a charge on Chase Mastercard to Hertz.
We hadn't used Hertz this year.
Hertz had no record of the charge.
Of course Chase removed it but if the wife hadn't reviewed all finances every day. they might have charged a lot.
how they got money with Hertz showing as the recipient is beyond me.
You can't rent a car for the amount they charged.

way2roll

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Posted: 01/14/21 11:05am Link  |  Quote  |  Print  |  Notify Moderator

It's very possible that despite the charge saying Hertz, it was a phony card processor and they labeled the transaction that way. Similar to how phone numbers are spoofed. Sounds fairly sophisticated. Chase - like most large banks - have fairly complex fraud prevention tools that use an algorithm based on your spending habits and locations. Enough transactions out of character for you and they will trip a fraud alert so I doubt they would get very far before they either asked you or shut it down. This is actually an issue for RVer's, especially full timers who don't have consistent habits so it's good you are diligent in monitoring it. Not only are your specific behaviors more difficult to track fraud, since RVer's get gas and card swipes at so many locations, you are more prone to the magnetic strip collection tools crooks use that are slapped over gas station pump card readers. I always tug on the card reader at a gas station to see if one is on there. I actually found one once, removed it and took it into the store.


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down home

south

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Posted: 01/14/21 11:27am Link  |  Quote  |  Print  |  Notify Moderator

Since we pay our bills on the net I have wondered if someone has our number so to speak. Small trail charges, by Fraudsters, and we get the cards cancelled and get new ones issued but...
While in Az someone charged ninety something dollars for facial cream, in Washington state, on the net. credit Union refunded the money and changed our cards butt handicapped us. We had to call them to tell it was us numerous times even for fuel. Credit Union didn't believe us, it seemed, that we didn't order the cream. We try to always use the card as credit not debit but some charge machines insist it to be debit.
I scarcely use any of the cards.They will all be paid off in a few months.
Hadn't been for emergencies on the way out to and while in Az wouldn't be be any charges now.

p220sigman

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Posted: 01/14/21 11:55am Link  |  Quote  |  Print  |  Notify Moderator

We have one card that we only use when traveling so any incorrect charges are very easy to ID. We've had it compromised twice so far and both times caught it immediately because we have the card set to where we get an email and text notification of any charges.

rk911

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Posted: 01/14/21 12:45pm Link  |  Quote  |  Print  |  Notify Moderator

down home wrote:

We had a charge on Chase Mastercard to Hertz.
We hadn't used Hertz this year.
Hertz had no record of the charge.
Of course Chase removed it but if the wife hadn't reviewed all finances every day. they might have charged a lot.
how they got money with Hertz showing as the recipient is beyond me.
You can't rent a car for the amount they charged.


i'll bet you can set up transaction alerts on that CC to instantly notify you of ANY activity on that card/account. we have ours set to notify us via text and e-mail for any activity >$1.


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monkey44

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Posted: 01/14/21 01:03pm Link  |  Quote  |  Print  |  Notify Moderator

Yup. Set up your alerts.

We get an alert every time our card gets charged, no matter how small. Only once in at least ten years, have we been charged by a vendor we did not recognize - this one in Canada. We had no clue, but we were in Texas at the time. VISA reversed it, never heard another word.


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wa8yxm

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Posted: 01/14/21 04:42pm Link  |  Quote  |  Print  |  Notify Moderator

I had a Capitol one charge card hit with a pair of small transactions at a restaurant I wanted to visit but never got around to... and which is like 800 miles from where I'm now living and I have no plan to return to there.

Cancelled. and new card issued


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Old-Biscuit

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Posted: 01/14/21 10:16pm Link  |  Quote  |  Print  |  Notify Moderator

I have alerts set up on all CC & Debit

I KNOW within 10 minutes when they are used, where they are used, amount etc

By the time SHE gets home....I already know LOL


Chase is pretty good about fraudulent use
They have contacted me couple of times to inquire IF I had made such & such purchase as it was outside my 'normal' usage


Is it time for your medication or mine?


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MEXICOWANDERER

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Posted: 01/15/21 02:56am Link  |  Quote  |  Print  |  Notify Moderator

I stopped purchasing Net 10 Prox. Because large companies were padding small invoices onto the bill. I went to purchase order format.

Wells Fargo about 30 years ago...
We didn't think you were purchasing 3 tickets to Medellin, Columbia.

down home

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Posted: 01/15/21 04:03pm Link  |  Quote  |  Print  |  Notify Moderator

I don't use a credit card often enough to dive into Credit Card Security issues. Filling the tank is about it. Stores well if it isn't sporting goods, tractors ,farm supply, well I don't do them, ahem I mean except trailing the wife at the Supermarket filing a cart with the good stuff and putting it ahead of hers at the check out or putting it in her basket then going to the car.

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