4 ms·

I once had some fraudulent charges made on a credit card I own. I was initially tipped off because a limo company sent a confirmation text to let me know they w

I once had some fraudulent charges made on a credit card I own. I was initially tipped off because a limo company sent a confirmation text to let me know they would be picking me up in Texas (I was in California). Interestingly, the text included an order number. I was able to use the order number to access the reservation holders personal info through their website. The personal info included a full name and the flight number of the flight they were taking, pick up address etc. I was able to find the person, their place of work online based on the pick up location, which was their office. I then realized that my credit card was also charged for a flight to SF. I used that info to call the airline and cancel the flight and cancel the limo after they had already checked-in. I was proud of myself, thinking that I taught this person a lesson. Now in hindsight, this person probably had no idea and that someone middle man was probably profiting off of the sale.

walshemj 8y ago
I suspect that the person concerned knew that this was sketchy - and possibly was going to try and claim the full amount whilst buying cheaper ticket on the grey/black market.
- astura 8y ago
  I think you're underestimating the amount of naïve people there are. I can see pretty much all of my family falling for a fake travel agent.
  - walshemj 8y ago
    I'me not underestimating the no of people who can justify fiddling expenses tho.
e40 8y ago
I don't understand why everyone doesn't have alerts for cc transactions greater than $0.01. You find out immediately when fraudulent transactions occur.
- supertrope 8y ago
  Excessive false positives. If your phone chimes after every store visit you will learn to ignore banking notification SMS/email, including actually suspicious transactions.
  - deleted 8y ago
    [deleted]
  - e40 8y ago
    Excessive false positives I think that is a misuse of the phrase. First, you can have gmail (or whatever mail you use) setup a filter and not notify you. Second, when I'm shopping and get the ding, that's a reassuring sound, not an irritating one. I was able to get a transaction for airline tickets canceled seconds after it was completed, because of the notifications I get. And this was a $2,500+ transaction, too. Not that I would have been on the hook, but my CC company made me jump through many fewer hoops because of how quickly I told them "hey, I'm not in Paris right now, that is fraud"...
  - tgsovlerkhgsel 8y ago
    When done right (with chip&pin cards and notifying when the hold is placed not on final settlement), the notification is instant (as in, usually before the terminal even shows the transaction as approved, but sometimes a few seconds later). If the phone chimes when you're paying, you'll rightfully ignore it. If the phone chimes at any other time, you'll check.
- astura 8y ago
  Because it's really, really annoying, I have three Amex accounts and I can only sync my phone with one (and I don't want to put all my cards on one account due to AMEX offers), and I check my transactions at least weekly.
  - stevehawk 8y ago
    what? I have an AMEX Plat, AMEX Blue and AMEX Gold (mix of personal and business cards) all sending transaction notifications and balance updates to the same mobile number.

walshemj 8y ago

I suspect that the person concerned knew that this was sketchy - and possibly was going to try and claim the full amount whilst buying cheaper ticket on the grey/black market.

astura 8y ago
I think you're underestimating the amount of naïve people there are. I can see pretty much all of my family falling for a fake travel agent.
- walshemj 8y ago
  I'me not underestimating the no of people who can justify fiddling expenses tho.

e40 8y ago

I don't understand why everyone doesn't have alerts for cc transactions greater than $0.01. You find out immediately when fraudulent transactions occur.

supertrope 8y ago
Excessive false positives. If your phone chimes after every store visit you will learn to ignore banking notification SMS/email, including actually suspicious transactions.
- deleted 8y ago
  [deleted]
- e40 8y ago
  Excessive false positives I think that is a misuse of the phrase. First, you can have gmail (or whatever mail you use) setup a filter and not notify you. Second, when I'm shopping and get the ding, that's a reassuring sound, not an irritating one. I was able to get a transaction for airline tickets canceled seconds after it was completed, because of the notifications I get. And this was a $2,500+ transaction, too. Not that I would have been on the hook, but my CC company made me jump through many fewer hoops because of how quickly I told them "hey, I'm not in Paris right now, that is fraud"...
- tgsovlerkhgsel 8y ago
  When done right (with chip&pin cards and notifying when the hold is placed not on final settlement), the notification is instant (as in, usually before the terminal even shows the transaction as approved, but sometimes a few seconds later). If the phone chimes when you're paying, you'll rightfully ignore it. If the phone chimes at any other time, you'll check.
astura 8y ago
Because it's really, really annoying, I have three Amex accounts and I can only sync my phone with one (and I don't want to put all my cards on one account due to AMEX offers), and I check my transactions at least weekly.
- stevehawk 8y ago
  what? I have an AMEX Plat, AMEX Blue and AMEX Gold (mix of personal and business cards) all sending transaction notifications and balance updates to the same mobile number.