Check your Chase Account!

[robinb]

I got an email from Chase but I think it was just a phishing attempt so I deleted it without opening it! Off to check my account ...

 

[njmom47]

I got an email same as above poster and I don't even bank with Chase!
I forwarded it to abuse@chase.com and agree it was most likely a phishing attempt.

I work for a company where a very large number of our customers use credit cards, and the amount of inquiries for fraudulent transactions that cross my desk is amazing and scary.

 

[Ricky's Girl]

I'm sure your stolen info had nothing to do with the outage. The timing was just a coincidence. The system outage was due hardware/software upgrade issues, not anyone hacking in.

Your reward information should carry over - as should your credit history. If it doesn't for some reason, just call them. I've been through this one a couple of times now, it's not a big deal.

I'm not sure if I totally agree. The Chase rep said our cards were swiped to purchase shoes in Europe. My husband and I both had our cards in our wallets. I don't understand how they could have obtained our account info otherwise. But I guess if there's a will, there's a way. :-(

We also have our account set up to receive e-mails alerts for purchases over $500. It always takes them about 4 or 5 days to send these alerts. Thankfully they moved quicker on these fraudulent purchases which again makes me think they knew our account had been hacked.

All in all it could have been much worse so I'm thankfull the problem seems to be resolved. We do have to fill out a fraud form and they said they would notify the 3 credit bureaus.

 

[MomToOne]

I'm not sure if I totally agree. The Chase rep said our cards were swiped to purchase shoes in Europe. My husband and I both had our cards in our wallets. I don't understand how they could have obtained our account info otherwise. But I guess if there's a will, there's a way. :-(.

Given your credit card info, crooks can easily manufacture a card to swipe. And there are lots of ways for them to get your info - hacking into a store's records, a waiter writing the info down when you charge at a restaurant then selling it, skimming at gas station "pay at the pump" machines, etc. Often they will have your info for awhile before they try and use it.

Thankfully they moved quicker on these fraudulent purchases which again makes me think they knew our account had been hacked.

One of the best things about Chase is their very pro-active fraud detection group. Several times they have called me about fraudulent charges long before I would have seen them on my account. Most of the time, they have called me within hours of a bad charge coming through. I don't see normal charges on my accounts for 2-3 days. I've also had them question valid charges that were out of my normal pattern (a lot in one day, large overseas charges, etc.) at the time the vendor swiped my card and made the vendor call in and put me on the phone to verify my identify before they would approve the charge. That fact that they caught the fraudulent charges is no indication that they know you've been hacked, they are just that good at figuring it out from the preauthorization/charge patterns that are coming through.

Rumors in the technical press have the outage being caused by a bug in Oracle, the database vendor used by Chase, that caused a corruption of the database that stores user profiles for the online Chase sites.

 

[kimara3]

Given your credit card info, crooks can easily manufacture a card to swipe. And there are lots of ways for them to get your info - hacking into a store's records, a waiter writing the info down when you charge at a restaurant then selling it, skimming at gas station "pay at the pump" machines, etc. Often they will have your info for awhile before they try and use it.



One of the best things about Chase is their very pro-active fraud detection group. Several times they have called me about fraudulent charges long before I would have seen them on my account. Most of the time, they have called me within hours of a bad charge coming through. I don't see normal charges on my accounts for 2-3 days. I've also had them question valid charges that were out of my normal pattern (a lot in one day, large overseas charges, etc.) at the time the vendor swiped my card and made the vendor call in and put me on the phone to verify my identify before they would approve the charge. That fact that they caught the fraudulent charges is no indication that they know you've been hacked, they are just that good at figuring it out from the preauthorization/charge patterns that are coming through.

ITA...I had someone "swipe" my card for a purchase at Macy's in New York a few weeks ago. I was never in New York and my card was never out of my possession. I got a text alert within minutes, called Chase, and while I was on the phone with the CS rep, the fraud dept. put a block on my account. Once the charge actually posted to my account, I had the $ back in my account within an hour. Overall, I was very impressed with their customer service.

I also received the email this weekend, but have had no problems since.

 

[Friendly Frog]

We have had to change our card number twice in the past 10 years, both times it happened a few months after visiting Florida and Disney. ( Neither charge was very large.)

We now call Chase and let them know when we go on vacation. This way they won't call our home (and scare my house sitting relative) because all of a sudden they see a bunch of out of state charges.

 

[Cindyrellablue]

While I've never (knock on wood) had our account compromised, Chase did manage to un-surprise a surprise gift for my husband...

I made an unusually large purchase on our Disney card for his gift...yay big TV!!! and they called him and asked about a charge at Best Buy...thanks a lot Chase!!!

Oh well...he loved the gift and it's good to know that Chase was looking out for unusual patterns in spending.

 

[NMW]

One year I was trying to rack up reward dollars for a spring Disney trip. I went Christmas shopping at Toysrus for my three kids and charged everything instead of paying cash. I bought an XBOX 360 and tons of other stuff-about $950. Chase called me to confirm the purchase also. I like that they did that. It's one of the reasons I've had the card since 1997.

 

[Ricky's Girl]

We received our new cards this afternoon and were able to log-on to our on-line account without any problems. My Disney rewards dollars were transferred along with the legitimate charges to our account. Now we're just contacting Verizon and a few other companies that we have accounts set up for automatic bill pay on our Visa. Hopefully this is the end of the ordeal. I was very impressed with the way Chase handled everything.