Chase CC Account Compromised

[Candlelady]

Just an FYI.
You may want to check your Chase accounts to be safe. I don't use this card that often, mostly Disney purchases.

When checking my Disney Visa account for an expected refund, there was a new Amazon CC with a pending $1 charge. It wasn't there yesterday and I don't know if this is from an Amazon hack or a Chase hack. Contacted their fraud dept and it's been deleted from my account.

 

[dclpluto]

Sorry but thanks for reminding me. I only use the Disney cc. Need to keep a closer eye on it.

 

[Ngwira]

Chase cc's are frequent targets of faudsters.

 

[LadyD]

We have text alerts set up for fraudulent activity on that card because it does happen a lot. 5 days before our wedding someone used the card to buy over $300 worth of sunglasses from an online retailer. They ended up having to overnight us a new card so we'd have it for our wedding trip.

 

[ConnecticutFlea]

I've had my Disney Chase Credit card compromised twice.....both times it was during a trip to Orlando.

 

[MomToOne]

This is just a part of the new reality of credit.

You really can't tell who, when or how your information was compromised. Information that is stolen is often sold, then sat on for awhile - even years - before the thieves try and use it. They could have actually stolen the information years ago. Or yesterday. Or sometime in between. You don't know. And you don't know where it was stolen from, since there have been so many incidents over the years. The thieves probably gained the info they needed to open the account from someplace other than Amazon or Chase, so I wouldn't label them as "hacked". Hacks of other stores or health insurance companies, spy software on your computer and phishing schemes all could have resulted in someone getting the info they needed to open the account.

All that means just because you were hacked, doesn't mean others will be as part of the same problem. Everyone just needs to monitor their cards, accounts and credit reports constantly.

If you can't track this new card back to someone in your household, then place a fraud alert or freeze with the credit agencies to prevent other accounts from being opened without your knowledge. And change your Chase and Amazon passwords, especially if you use the same password with them that you use on other sites - thieves will get the id and password for you from the hack of one site, then just try that same id/password at all sorts of other sites to find one where you used the same things. I admit I'm guilty of reusing ids and passwords to keep things simple but I make sure to use different passwords on all my most critical accounts such as banks.

 

[gottalovepluto]

Just an FYI.
You may want to check your Chase accounts to be safe. I don't use this card that often, mostly Disney purchases.

When checking my Disney Visa account for an expected refund, there was a new Amazon CC with a pending $1 charge. It wasn't there yesterday and I don't know if this is from an Amazon hack or a Chase hack. Contacted their fraud dept and it's been deleted from my account.

Wait, so it wasn't just a charge from Amazon on your Disney Credit Card? It was a whole new Amazon Credit Card? IF that's the case, you could have a lot more problems than a new credit card showing up in your account. This would mean somebody opened up a credit card in your name & that can't be done simply with your Chase account info or Amazon account info.

 

[Albort]

Its not just Disney cards, any Chase cards... people were reporting fraud transactions despite their new card still being mailed to them... i think it something within chase.

 

[Candlelady]

Wait, so it wasn't just a charge from Amazon on your Disney Credit Card? It was a whole new Amazon Credit Card? IF that's the case, you could have a lot more problems than a new credit card showing up in your account. This would mean somebody opened up a credit card in your name & that can't be done simply with your Chase account info or Amazon account info.

Yes, it was a whole new card.
Not much I can do about it other than what I've already done. Contacted Chase, changed my passwords for both Chase and Amazon, and will contact credit reporting agency on Tuesday for credit report and to put a stop or hold on any new lines of credit that are opened. Not sure how that works, but will find out.
Not happy, but will not stress out about it either.

 

[MomToOne]

Yes, it was a whole new card.
Not much I can do about it other than what I've already done. Contacted Chase, changed my passwords for both Chase and Amazon, and will contact credit reporting agency on Tuesday for credit report and to put a stop or hold on any new lines of credit that are opened. Not sure how that works, but will find out.
Not happy, but will not stress out about it either.

You can place fraud alerts with the credit reporting companies online - you don't need to (and shouldn't) wait until Tuesday to do so. Technically you only need to contact one, and they are supposed to share the info with the others within 24 hours. But I'm a fan of just going ahead and notifying them all yourself, just to be sure they get it.

Here are the links to enter the alert:
Experian: https://www.experian.com/fraud/center.html
Transunion: https://www.transunion.com/fraud-victim-resource/place-fraud-alert
Equifax: https://www.alerts.equifax.com/AutoFraud_Online/jsp/fraudAlert.jsp

You can also get a credit report immediately for free through Credit Karma - I'd go ahead and sign up there if you aren't already. You can have them send you alerts if new accounts show up, and they are always free (no need to even enter a credti card). The only issue is I think they only give you a report from one agency, not all three, and you really need to check all three. But you can get 1 free copy annually from each through this link: https://www.annualcreditreport.com/index.action. Again, can be done completely online, no phone calls or waiting for office hours needed.

 

[laceltris3]

I had my identity stolen last year when I opened a new card with BofA, and the new account was the only one compromised. You can put a fraud alert online with each of the three credit bureaus, and I personally would do a freeze (which you can do online) when it comes to a new card. You can also file online with the FTC and I would file an identity theft affidavit with the IRS to put a PIN in place so no one can file a tax return in your name.

 

[MomToOne]

I had my identity stolen last year when I opened a new card with BofA, and the new account was the only one compromised. You can put a fraud alert online with each of the three credit bureaus, and I personally would do a freeze (which you can do online) when it comes to a new card. You can also file online with the FTC and I would file an identity theft affidavit with the IRS to put a PIN in place so no one can file a tax return in your name.

Was your identity really stolen, or just one card compromised? A card can be compromised with just getting the card info. Identify theft implies more significant personal data has been obtained such as SSN, birth date, etc.

I personally wouldn't go to the extreme of putting a PIN in place with the IRS for just a credit card compromise. I generally don't even bother with fraud alerts with the credit agencies if it's just a card compromise - I just get a new card and keep on trucking unless there are signs that the thieves might have more important info.

 

[laceltris3]

Was your identity really stolen, or just one card compromised? A card can be compromised with just getting the card info. Identify theft implies more significant personal data has been obtained such as SSN, birth date, etc.

I personally wouldn't go to the extreme of putting a PIN in place with the IRS for just a credit card compromise. I generally don't even bother with fraud alerts with the credit agencies if it's just a card compromise - I just get a new card and keep on trucking unless there are signs that the thieves might have more important info.

My identity was really stolen, in that the person had my full SSN and mothers maiden name and repeatedly changed the contact info on the card, due to BofA's incompetence in putting on a secure verbal password on the account. The person also tried to order my credit report from the Credit reporting agencies, and had my full SSN for that, but was unsuccessful because they couldn't get past the security questions about my prior mortgage lender, etc. Since someone had my social, it was not just a compromised account, and they could have caused problems with tax returns etc. A new cc account is much different than someone making fraudulent charges on an existing account, which I agree is not that big a deal.

I could just have gone online and filed fraud reports every 90 days, but it's easier to have the freeze.

 

[gottalovepluto]

Was your identity really stolen, or just one card compromised? A card can be compromised with just getting the card info. Identify theft implies more significant personal data has been obtained such as SSN, birth date, etc.

I personally wouldn't go to the extreme of putting a PIN in place with the IRS for just a credit card compromise. I generally don't even bother with fraud alerts with the credit agencies if it's just a card compromise - I just get a new card and keep on trucking unless there are signs that the thieves might have more important info.

If they opened a credit card in your name your identity has been stolen. If they charge on a card you have it's a simple matter of replacing that card.

 

[mrsp1030]

Chase has been the worse and we have 4 cards through them: United, Marriott, Disney and Hyatt and everyone has been compromised multiple times. Unlike Amex or Bank of America, there fraud department is horrible and one reason why we stopped using them as often for our purchases.

 

[lost*in*cyberspace]

Chase has been the worse and we have 4 cards through them: United, Marriott, Disney and Hyatt and everyone has been compromised multiple times. Unlike Amex or Bank of America, there fraud department is horrible and one reason why we stopped using them as often for our purchases.

I completely disagree. I have several Chase cards and have found them to be extremely proactive in detecting what appear to be fraudulent charges, especially overseas charges. I have purchased foreign carrier airline tickets, overseas tours, and made hotel reservations in other countries and Chase blocks the charges and immediately notifies me every time. It's actually kind of annoying. I have to remember to call them first and let them know I plan on making the charges.

 

[MomToOne]

Chase has been the worse and we have 4 cards through them: United, Marriott, Disney and Hyatt and everyone has been compromised multiple times. Unlike Amex or Bank of America, there fraud department is horrible and one reason why we stopped using them as often for our purchases.

I've found Chase's fraud protection to be excellent. Every time my card has been compromised, they've caught the issue and denied approval of the charge and blocked the card pending me calling them back. I've actually been amazed sometimes at how they've figure out it wasn't me making the charge.

Of course, like another PP, they've been a bit too proactive at times and denied charges originating from overseas at times when they really were from me. It's usually me pre-booking a tour or something before I travel. But a quick call to them resolves the issue and let's the charge through.

But everyone has their own experience. Any automated system like this can't be perfect 100% of the time.

 

[mrsp1030]

I've found Chase's fraud protection to be excellent. Every time my card has been compromised, they've caught the issue and denied approval of the charge and blocked the card pending me calling them back. I've actually been amazed sometimes at how they've figure out it wasn't me making the charge.

Of course, like another PP, they've been a bit too proactive at times and denied charges originating from overseas at times when they really were from me. It's usually me pre-booking a tour or something before I travel. But a quick call to them resolves the issue and let's the charge through.

But everyone has their own experience. Any automated system like this can't be perfect 100% of the time.

Glad you have had a positive experience. I guess in comparison to how we immediately get texts messages from both Amex and Bank of America and they don't automatically shut your card down like Chase has done to us in the past. Chase has never notified us of any fraudulent charges via a phone call or text or email. We only have found out our card has been compromised by a charge being denied and us calling them. The last time this happened we were checking into a Marriott and we had to call and speak to a manager to get it resolved and once again gave them all our information for text, emails. Hoping it improves.

 

[KarenAylwood]

My main two cards are Chase (Marriott) and Capital One Quicksilver. Both have been great with fraud protection- I have my Capital One set up to send me text messages for every charge, and Chase to send me emails. I always know when anything is charged on my card, and both Chase and Capital One have contacted me immediately upon something happening. I had my Chase number stolen twice in one month about 2 years ago but haven't had an issue since.

 

[jenniy122]

I had my info compromised when I was in Orlando earlier this year. Maxed out my card before I even got to Disney (I was at Universal first for a few days), found out when my card was declined at check in. Other than being screwed being 2000 miles from home and not able to get a new card with the perks, Chase resolved the issue immediately, and Disney was pretty awesome about resetting all my info.