Bank stopped me from booking ADRs because no $ with multiple authorizations!!

[AnnaKat]

Thanx for all the help. I was truly unaware how common freezes are.
Sorry that I did not know.

I agree that they should monitor, & make you prove that you are you!
Identity theft--also did not think about that one.

If I had just thought about identity theft alone.

I didn't know they watch small--even $0 charges.
Then I would have called them in advance, as suggested.

 

[DisBuckMan]

I didn't know they watch small--even $0 charges.

Those get the banks' attention more than others. As others have said, thieves will "test" a card with a small charge or two to check the card's validity....then hammer it with big charges.

 

[SA mom]

One thing that helped me resolve a similar situation was calling the credit card company on the phone number on record with the card. We have our home number (yes, we still have a land line) linked to all accounts. When I called from my cell phone, I had to answer a million questions but on my home number, it was much easier. I've had this happen more than once.

 

[MrsJamesPSullivan]

A simple way to keep something like that from happening is to give your credit card company a call before you do something out of the ordinary. If you're all of a sudden going to be making multiple charges in a day if yo don't normally do that or you're going to be traveling and will have a bunch of charges out of your state. That kind of thing. They know what your normal is and anything out of the ordinary tells them it may not be you using your card unless you've given them a heads up.

 

[michellelovesthemous]

Just a thought about closing the account....if it is your oldest trade line and you close it it makes your next oldest account be the length of your active credit history.... Example: say you opened the account in 1996 and the next one you opened is 2004 you just took 8 years off your active credit history this process can SOMETIMES adversely effect your credit score. Just something to look into with a local loan officer at a bank you trust first to see if this is the same in your state.

 

[disnut8]

A simple way to keep something like that from happening is to give your credit card company a call before you do something out of the ordinary. If you're all of a sudden going to be making multiple charges in a day if yo don't normally do that or you're going to be traveling and will have a bunch of charges out of your state. That kind of thing. They know what your normal is and anything out of the ordinary tells them it may not be you using your card unless you've given them a heads up.

Totally agree. Fifteen years ago, we moved from Nebraska to Georgia. My husband had moved first and I followed four months later. We had purchased a house, had set up utilities, had bought furniture, had addresses changed, all that. We never thought anything of it. But when we had to go back to Nebraska and hitch up a U-Haul triuck to move our stuff and gassed up in a state that was not Nebraska or Georgia, that credit card was flagged and our son phoned us to let us know of what was going on. Once I verified the card was still in our hands, all was good.

Now, to the OP - that the bank cancelled your card without you knowing about it and you are upset with that, that's the question I would have with the bank.

 

[bumbershoot]

Unlike most Disers, I do NOT save our credit card info to our MDE dining.
I have memorized our info, & re-entered it for each & every ADR reserved. He said that our account was flagged for making our ADRs.


But we had to tell the Security rep. EXACTLY what EVERY WDW transaction was( & we had NO other charges for months & months, prior!!).

SO NOW we will ONLY use our Chse Disney Visa to book ANYthing Disney, period.

Why do you assume people here have info saved?

Why do you mention entering the number. Do you feel it has something so with it? Or that it should have meant it was better ?

I doubt their systems know at all how the number was entered.

It's flagged for multiple zero or $1-$2 charges. That is a huge red alert for fraud.

And then yes you had to verify each charge, to make sure none had slipped through that weren't made by you. If there were any fraudulent charges hiding, them the person that stole your info could make a huge purchase, and ultimately that cost goes to the cc company. So yes, they have to verify it.

Chase is THE most stringent in fraud alerts, in our experience. They are diligent.

Chase has had the most issues, too, of their info being stolen. They seem to be a seive, with info slipping through all their security holes.

They would REALly
NOT answer ANY questions.

He ONLY told us AFTERwards THAT he re-opened it.
HENCE, being treated like a " criminal ".

IF I had NOT said WHAT exactly was charged FOR Disney Room & Disney Parties,
AND WHEN,
he would NOT have EVER re-opened our excellent Credit Account. E-V-E-R!!!!!!!!!!!!!!!!!!!!!!!!

Why should they?

No.

Unlikely.

The type of activity you were doing on a card with no activity was suspicious and is exactly the type of transactions criminals do to "test" cards before they slam them with thousands of dollars in charges.


If you were unable to verify a transaction, they would have cancelled that card and issued a new one with a different number.

Yep. Quintessential.

Probably yep. Probably when they said account" they meant account number. Bank of America uses that wording. It's a little scary the first time you see it.

I did 50 some ADRs last year with the same credit card, after not charging for months.
They didn't block it! So WHY NOW?! And they refused to answer.
AND we had NO show charges go thru last Nov./Dec.

The resort Reservation should SHOW as resort reservation WITH the dates, SO NO one stole my card IN FL!!
The Party charges are ADVANCE purchases--not from someone IN FL.

I was told that making the ADRs were NOT OK.
The issue is NOT resolved.

They will block me AGAIN for the multiple $0 ADR charges.
That is NOT resolution!!

So something changed. Ok.

I don't know what "we had NO show charges go through last Nov/Dec" means.

Things being charged in FL could mean the person is in FL or not in FL. Can go either way. No matter, it was out of your normal charging type so it got flagged.

They said that making dining reservations wasn't ok? I feel like you misunderstood where they were coming from.

If in the future you get fraud in your account and they catch it because of these procedures you will be happy. You don't want them to relax their procedures.

Her card was the Disney chase visa

No, she's now going to use that one. She doesn't know how diligent Chase is.

Chase does the southwest card. At least twice now my brother's card through them has had charges made on it before they even received it. It's ridiculous. Chase is diligent because they have to be diligent.

 

[Hopefully]

This was NOT a normal control. Their Computer CLOSED our account. Period.

They would REALly
NOT answer ANY questions.

They computer-generated a letter telling us that they closed our account, which may already be mailed TODAY.. Period.

They called ONLY AFTER closing our accountAnD generating a letter.

The voicemail said NOTHiNG about suspicious charges; NoTHING ABOUt that they had flagged our account;
NOTHiNG ABOUT that they had ALREADY CLOSED our account!!

We had to answer every question perfectly to get our account re-opened.

He ONLY told us AFTERwards THAT he re-opened it.
HENCE, being treated like a " criminal ".

There was NO apology. Period.
There was NO " we appreciate your business for the last 10 years; you are a valued customer!!"

IF I had NOT said WHAT exactly was charged FOR Disney Room & Disney Parties,
AND WHEN,
he would NOT have EVER re-opened our excellent Credit Account. E-V-E-R!!!!!!!!!!!!!!!!!!!!!!!!

I believe they did the correct thing for all the reasons stated above.
And yes , please stop Yelling at everyone you disagree with who is trying to help you.

 

[Dean Marino]

All personal opinion - I'm not right, no one else is wrong....

We have a Disney CHASE Visa. One thing we do, before EVERY WDW vacation? File a Travel Notification, on line, with them.
This tells them that we are going to be at WDW, over certain dates - and WDW charges are to be expected.
We've always gotten a reply to these notifications.... and NEVER had an issue.

Chase also has our Cell Phone Data - so they have a mechanism to contact us on the road. They have what can best be described as a "Call PIN".
Now, they have that PIN - but rather than GIVE it to them over the phone? If it ever got used, I would ask for an Agent Name, then call THEM back, at their published number .

Really - trouble of this ilk CAN happen with any CC Company. Our practice is to take THREE payment Cards - two CC's, different companies, split between my wife and I, and a Debit Card that never gets carried.... it stays in the Hotel room safe. We also keep our card numbers and CC contact info on our cell phones - encrypted.

This was a nasty experience for the OP.... but EVERYONE can gain knowledge from it. What went wrong, and HOW, miles from Home, could one come out doing OK?

Again - All personal opinion - I'm not right, no one else is wrong....

 

[Jadyreen1282]

THERE is No ReasON to get ANGRY over a GOOD thing the BANK did OP.

 

[bluefunnel]

I've never had a problem with the dining authorizations, with either my bank or credit card, I haven't used my Disney card yet though.. When I do have issues, which is every time I have a Universal day out there, I usually get a call or a chance to call them before any real damage is done to the account.

It's a bit odd that they wouldn't try to contact you over this first.

Just in case though, always keep your number current. Even though you probably don't want to discuss banking matters with someone who calls, you can always tell them that you will call them to keep things safe.

 

[MichiganKris]

My Chase Disney Visa was frozen when I was making my ADR's after booking my trip using the same card. However, I don't use that card very often. While it is annoying I would rather that, then have to fight a bunch of charges that were not mine.

 

[DJFan88]

I make ADRs, I cancel ADRs, I make new ADRs, etc., etc.,. I never notify my Chase Visa ahead of time and I enter my account number every time. I have it memorized too.
Never have they closed or contacted me or my account.

 

[RayO]

My account was frozen when I made my ADRs this year. It is a new policy from my understanding. In order to make such transactions in the future the security team informed me that I needed to contact them first, and inform them of my intensions to go on a vacation. How dare I? As a PP mentioned it is due to the skimming that has been occurring quite frequently, lately. You should have heard me saying, you don't find it odd that someone that put a down payment to go to Disney World is getting card checks from Disney World 2 weeks later? After all, it is obvious that such a person will be going there, are they not suppose to eat? Trust me, that was a paraphrase of the conversation. The real thing was much more colorful. They were mostly concerned with the $0 transactions. To me it is just disheartening that you need to get permission to use your personal finances in this day and age. It all comes down to safety though, so I do see their point. I personally don't like it however. Now, I call them before I make any new reservations, and they put a note attached to my account that I am going to Disney World, and that charges to WDW, Disney World, and Lake Buena Vista are expected.

 

[McKelly]

So, if I am understanding this correctly, this is happening when you put the credit card number in for EACH ADR you make? If you have a credit card saved in your MDE, it doesn't happen? I make my ADR'S soon and was planning on using Chase - just want to be prepared.

 

[lntx]

OP- I feel your pain and your frustration. I had a similar experience happen to me in June when trying to make ADR’s in MDE. I had my normal credit union debit card saved to my file and when I tried to make an ADR on a Saturday afternoon for dinner that night, it declined the “charge” and gave me an error message. I called my credit union (in Texas) and they told me that they had not flagged my account for fraud. Still needed to make the ADR so I plugged in my Chase Disney Debit card number. Declined again. So frustrating, as the ADR I was trying to make was for only a few hours away and as we all know, if you don’t make the reservation immediately, you may or may not get the time you want again. Finally….after plugging in my Capital One credit card number, I was able to make the ADR. This all took place standing in front of the Little Mermaid ride at Magic Kingdom as my family waited. I understand fraud and all, but when it keeps you from making a NO CHARGE ADR (where they simply want a cc number on file) it has crossed the line into unacceptable.

 

[LilyWDW]

I understand fraud and all, but when it keeps you from making a NO CHARGE ADR (where they simply want a cc number on file) it has crossed the line into unacceptable.

Except Disney will verify that the card if valid by "dinging" it. Which is something that those who commit fraud are also known to do to verify that a card will work. So that is the one thing that card companies ARE looking for.

 

[MakiraMarlena]

It's relatively normal to have a credit card account flagged for fraud with that sort of activity after a period of inactivity. I don't think it's normal to close the account, unless they tried to contact the cardholder and had no response. It's normal to get a new card and new account number issued if they don't find out relatively soon that the charges were legit.

I have had a transaction cancelled because it was to a foreign company and was flagged as possibly fraudulent. It does happen, and it's for a reason. I now have to notify the bank whenever I want to purchase something from a foreign source. .

awhile back, the website had a glitch and was rejecting ALL credit cards. I tried three with the same result and Chase usually does a notification. So that was not the card, it was the Disney website.

 

[AnnaKat]

Why do you assume people here have info saved?

Why do you mention entering the number. Do you feel it has something so with it? Or that it should have meant it was better ?

I doubt their systems know at all how the number was entered.

It's flagged for multiple zero or $1-$2 charges. That is a huge red alert for fraud.

And then yes you had to verify each charge, to make sure none had slipped through that weren't made by you. If there were any fraudulent charges hiding, them the person that stole your info could make a huge purchase, and ultimately that cost goes to the cc company. So yes, they have to verify it.

Chase is THE most stringent in fraud alerts, in our experience. They are diligent.

Chase has had the most issues, too, of their info being stolen. They seem to be a seive, with info slipping through all their security holes.



Why should they?

No.

Unlikely.



Yep. Quintessential.

Probably yep. Probably when they said account" they meant account number. Bank of America uses that wording. It's a little scary the first time you see it.




So something changed. Ok.

I don't know what "we had NO show charges go through last Nov/Dec" means.

Things being charged in FL could mean the person is in FL or not in FL. Can go either way. No matter, it was out of your normal charging type so it got flagged.

They said that making dining reservations wasn't ok? I feel like you misunderstood where they were coming from.

If in the future you get fraud in your account and they catch it because of these procedures you will be happy. You don't want them to relax their procedures.



No, she's now going to use that one. She doesn't know how diligent Chase is.

Chase does the southwest card. At least twice now my brother's card through them has had charges made on it before they even received it. It's ridiculous. Chase is diligent because they have to be diligent.

1) The Bank told me I had manual entries(which criminals do)
& I was flagged,
then blocked due to manually entering my credit card info every time
for every ADR.

I was specifically told that they knew this was done on each & every transaction,
and that's what the criminals do.


I was now told to save the credit card info to my MDE,
to not cause the Bank's Computer to flag my ADRs.


2) it is not a Chase account.

 

[AnnaKat]

So, if I am understanding this correctly, this is happening when you put the credit card number in for EACH ADR you make? If you have a credit card saved in your MDE, it doesn't happen? I make my ADR'S soon and was planning on using Chase - just want to be prepared.

It is not a Chase credit card.

This --non-Chase --Bank specifically told me--both the Security person, and a Security Supervisor,
that me manually entering my credit card info
for 20 ADRs in one day,
was akin to the Velocity criminal scheme.

The 20 " manual " ADRs got us flagged;

they blocked OR outright closed our account

& snail -mailed a letter that we have yet to receive.

AND ALL without ever talking to us!!