Chase visa "WDW Dine tickets" charge...RESOLVED

[sluggozmom]

I just spotted a charge for $864.60 to my card made last Sunday.. However it wasn't made by me! I've used gift cards to pay off everything but my initial $200 deposit.
Chase has already closed my account and sent this to fraud. I won't be responsible.... But I'm pissed!!

Does anyone know what this would be for?
If you bought CRT lately would you mind looking at your statement for me?
WDW dine tickets is what is see on my statement.

Direct Marketing in Lake Buena Vista is what Chase sees..
Thank you

 

[BCV2003]

If you made reservations for dining at CRT that could be it. My husband made us reservations for the Luau at the Poly and that was pre-paid and that was who the vendor was on our CC.

 

[Alesia]

That's what shows up if you book a prepaid reservation such as CRT or Spirit of Aloha. If you booked something like that, they would have charged your credit card.

 

[BCV2003]

Also to add, if that is what you determine the charge is for, you will probably want to cancel the fraud investigation with Chase because Disney will cancel your dining reservation.

 

[HarleenQ]

Above ladies have already covered it, but now that you've closed the account and I imagine been refunded I don't know if your reservation will be cancelled.

 

[ellie05]

Any type of prepaid event such as dessert parties, etc. I hope you don't loose your reservations. Did you not know you will be charge in advance for this reservations ? I am sure that as soon as they open that dispute Disney will go ahead and cancel the ADR
If you were there recently you might want to go ahead and call the billing number and make sure it wasn't a charge for room damages. If it is and you dispute it you might be ban from making reservations on Disney hotels.

 

[sluggozmom]

We are only a party of two with no prepaid events or dinners.
And the credit card guarantee was a different card, so I should be allset there.
Gonna call WDW next

 

[HarleenQ]

We are only a party of two with no prepaid events or dinners.

Call Disney's billing department and ask then.

 

[sluggozmom]

WDW transposed the numbers.. They're refunding my account and chase is sending my new cards next day service!
Resolved

 

[Party.Of.4-NY>>>FL]

WDW transposed the numbers.. They're refunding my account and chase is sending my new cards next day service!
Resolved

That's awesome! Good to hear it wasn't fraud.

 

[Kaytie]

WDW transposed the numbers.. They're refunding my account and chase is sending my new cards next day service!
Resolved

That doesn't sound right. There are over a trillion possible card numbers each for Visa, MasterCard, and American Express; and I've a billion possible Discover numbers. This is, in part, to minimize the possibility of transposition - numbers aren't consecutive. According to this site http://www.cardhub.com/edu/number-of-credit-cards/ there are "only" somewhat over a billion active cards including stores and gas stations.

1,234,567,890,123 trillion = Discover cards have 13 digits = a trillion combinations
1,234,567,890,123,456 quadrillion = Visa, MC, AmEx have 16 shouts each = a quadrillion possible combinations each

eta information in red, aka showing my work

 

[sluggozmom]

That doesn't sound right. There are over a trillion possible card numbers each for Visa, MasterCard, and American Express; and I've a billion possible Discover numbers. This is, in part, to minimize the possibility of transposition - numbers aren't consecutive. According to this site http://www.cardhub.com/edu/number-of-credit-cards/ there are "only" somewhat over a billion active cards including stores and gas stations.

1,234,567,890,123 trillion = Discover cards have 13 digits = a trillion combinations
1,234,567,890,123,456 quadrillion = Visa, MC, AmEx have 16 shouts each = a quadrillion possible combinations each

eta information in red, aka showing my work

That's what the gentleman claimed after he looked into it. Said he was forwarding to upper management to make sure it never happened again. Maybe they need to use the security number off the back as well for these phone transactions.

While I totally understand nothing is for free, I suggested maybe he might be able to sprinkle a little pixie dust my way considering the headache this has/will caused between time and a couple hours of phone calls, the card cancellation, being without a card (I have plenty, but still) having to remove and add the closed/new card to my auto pays.. That's when he turned not so nice and suggested that was all my fault for cancelling the card and not calling WDW first. HELLO, there was a charge on my card that I did not authorize.... for $864.60!! Of course I called the card first, they're giving away my money!
Anyways now I got upset and told him sorry I went about this the wrong way, sorry to have bothered you at all, and wished him a nice day.
A mickey bar or a fast pass would have been a nice gesture.

I should have just let the Chase Fraud squad handle it, but I really wanted to know what happened. Once again I should have kept my mouth shut

 

[afan]

I don't understand how he would know they transposed the numbers. If it was done over the phone, that would imply that the number is entered more than once. It still seems like an odd excuse and even though you have an answer I would still want Chase to look into it. It doesn't pass the smell test to me.

ETA - I understand the hassle of it all, I had to do the same with one of my cards Thursday because of 3 separate $25 starbucks gc charges. I don't use my card for that and I've no idea where someone got the number from, though I suspect groupon because I've read about others having trouble with their cards because it gets saved to your account for faster check out.

 

[sluggozmom]

I must say I got really fabulous customer service when I call Chase back to let them know it was indeed WDW, and they were refunding the money. I asked when I'd be getting my card, as I'd really like to be using it instead of anything else with a trip coming up. I was worried about pending charges that had not posted as well. They assured me all the pending a would be honored, and that any auto pays would as well... Even though the account was technically closed. She put me on hold for less than a minute and told me they sent it snail mail.... Would I like it expedited,and she would get it to me tomorrow (today/Saturday) at no cost to me. Ummm SURE!
I had the card by 9:30 this morning.
I do have to say that chase Disney visa was outstanding to deal with. The initial call was probably 20 minutes.. My Disney calls were close to an hour and a half before I was done with the first, and another 20 minutes the second call.
In the end it's all square...

 

[Kaytie]

That's what the gentleman claimed after he looked into it.

Sure, but his explanation is suspect.

suggested that was all my fault for cancelling the card and not calling WDW first. HELLO, there was a charge on my card that I did not authorize.... for $864.60!! Of course I called the card first, they're giving away my money!

Not positive, but I think if you check the Chase terms and conditions, your really are supposed to start all disputes with the merchant.

 

[sluggozmom]

Sure, but his explanation is suspect.

Not positive, but I think if you check the Chase terms and conditions, your really are supposed to start all disputes with the merchant.

The charge said WDW dine tickets. I called chase and they told me it was direct marketing in lake buena vista, couldn't give me any contact info. The direct marketing is what put the scare into me. Chase recommended closing the card and initiating a fraud investigation. Never even suggested calling wdw

 

[Marionnette]

That doesn't sound right. There are over a trillion possible card numbers each for Visa, MasterCard, and American Express; and I've a billion possible Discover numbers. This is, in part, to minimize the possibility of transposition - numbers aren't consecutive. According to this site http://www.cardhub.com/edu/number-of-credit-cards/ there are "only" somewhat over a billion active cards including stores and gas stations.

1,234,567,890,123 trillion = Discover cards have 13 digits = a trillion combinations
1,234,567,890,123,456 quadrillion = Visa, MC, AmEx have 16 shouts each = a quadrillion possible combinations each

eta information in red, aka showing my work

Your math makes the assumption that credit card numbers are a series of randomly generated numbers. They aren't. There are a lot fewer number possibilities than you predicted.

All Visa cards begin with the number 4. Mastercards begin with 51, 52, 53, 54 or 55. AmEx begin with 34 or 37.

On top of that, the issuing ID # is incorporated in the first 6 digits, so a Disney Visa would start with the number 4 and would be followed by the same 5 digits that all Disney Visas share.

That leaves 10 digits remaining on most Visa cards. The 7th-11th number of a Visa card are the account number and the 12th digit is a check sum number that is derived by applying an algorithm to the previous numbers.

Throw in the rule that no two numbers can be consecutive, and you eliminate even more possible CC #s.

So, even though there are actually trillions of possible Visa card combinations, there are not the quadrillion that you have asserted due to the rules that are built into coding the cards.

 

[Kaytie]

6666661,234,567,890

On top of that, the issuing ID # is incorporated in the first 6 digits, so a Disney Visa would start with the number 4 and would be followed by the same 5 digits that all Disney Visas share.

I did say possible not absolute.
The most recent data from the site I linked is from 2014 and indicates a downward trend. Just for ease of determination, let's say there are a billion total credit cards in circulation, evenly divided. This, again, includes store and oil (gas) cards.
Six types of cards: VISA, MC, AmEx, Discover, all stores, all oil.
Six into a billion = 166,666,667 of each.
There aren't a hundred thousand banks issuing, say, VISA cards - so the 4 plus the additional five bank-identifying digits can reasonably be expected to not have any likelihood of being close to any other bank.
It's still a pool of a quadrillion potential card numbers to be assigned to fewer than two hundred million customers. Even if each company issued two hundred billion cards, they still wouldn't come close to coming close to risking the possibility of transportation.

The charge said WDW dine tickets. I called chase and they told me it was direct marketing in lake buena vista, couldn't give me any contact info. The direct marketing is what put the scare into me. Chase recommended closing the card and initiating a fraud investigation. Never even suggested calling wdw

But you realize that isn't Disney, right? They don't do any direct marketing. It sounds like it's definitely fraud, your card was compromised, but not by Disney.

 

[sluggozmom]

6666661,234,567,890


I did say possible not absolute.
The most recent data from the site I linked is from 2014 and indicates a downward trend. Just for ease of determination, let's say there are a billion total credit cards in circulation, evenly divided. This, again, includes store and oil (gas) cards.
Six types of cards: VISA, MC, AmEx, Discover, all stores, all oil.
Six into a billion = 166,666,667 of each.
There aren't a hundred thousand banks issuing, say, VISA cards - so the 4 plus the additional five bank-identifying digits can reasonably be expected to not have any likelihood of being close to any other bank.
It's still a pool of a quadrillion potential card numbers to be assigned to fewer than two hundred million customers. Even if each company issued two hundred billion cards, they still wouldn't come close to coming close to risking the possibility of transportation.

But you realize that isn't Disney, right? They don't do any direct marketing. It sounds like it's definitely fraud, your card was compromised, but not by Disney.

somehow WDW has something to do with this mess because when I started digging and called them, and they started digging and figured it out, I got my money back..
It's pretty crappy though