Posted: 12/2/2012 2:51:52 PM EDT
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If you take a charge over the phone and ask for the 3 digit security code on the back of the card do you write that down or somehow enter it into the charge...or is it even necessary to make the charge go through?
Just found a gift card charge on my statement and it's no business I even recognize (nor does the wife, nor does she use my card). Curious how this works. I've disputed the charge and fully expect everything to work out. |
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Call them back... it's not just a dispute. A dispute is an argument over a valid transaction you have made. This is a transaction you haven't made so your number has been jacked. Call them back and make sure that is clear.
Then run a virus scan and malwarebytes scan on your PCs. If you find a virus or trojan change all your online passwords. |
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Quoted:
Call them back... it's not just a dispute. A dispute is an argument over a valid transaction you have made. This is a transaction you haven't made so your number has been jacked. Call them back and make sure that is clear. Then run a virus scan and malwarebytes scan on your PCs. If you find a virus or trojan change all your online passwords. The Credit Union has blocked the card already. I filed a dispute saying I did not make the charge online within my VISA carrier website. I also called the company in question and although I did not get through to anyone in the correct department (it is Sunday) I did find out that it was for a Gift Card. This company also shows up on scam searches where people have $99 charges for something they don't remember, so it is an ongoing sort of scam. On a Mac so I'm not thinking it's a virus or malware but I will change those passwords. I think it's probably pretty smart to just claim cards are lost and get new cards every 6 mo to a year/ Thanks. Seems that searching around a charge over the phone can be made without the 3 digit # and that it was pretty strictly meant for non-human ordering systems. They generally don't want the 3 digit to pass from holder to someone on the phone which makes sense. |
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Quoted:
Quoted:
Call them back... it's not just a dispute. A dispute is an argument over a valid transaction you have made. This is a transaction you haven't made so your number has been jacked. Call them back and make sure that is clear. Then run a virus scan and malwarebytes scan on your PCs. If you find a virus or trojan change all your online passwords. The Credit Union has blocked the card already. I filed a dispute saying I did not make the charge online within my VISA carrier website. I also called the company in question and although I did not get through to anyone in the correct department (it is Sunday) I did find out that it was for a Gift Card. This company also shows up on scam searches where people have $99 charges for something they don't remember, so it is an ongoing sort of scam. On a Mac so I'm not thinking it's a virus or malware but I will change those passwords. I think it's probably pretty smart to just claim cards are lost and get new cards every 6 mo to a year/ Thanks. Seems that searching around a charge over the phone can be made without the 3 digit # and that it was pretty strictly meant for non-human ordering systems. They generally don't want the 3 digit to pass from holder to someone on the phone which makes sense. If they have an account online access thingy you may be able to set up alerts so you can be sent an email or txt alert if your card is used. This time of year there is mega fraud, I'll check my stuff at least once a week in addition to having alerts for any charges or withdrawls. |