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The letter wasn't a scam after all....

Goose

Goose

Well-known Member
I have a Merrick Bank credit card that stays in my desk drawer. The last time I used it was 2 or 3 weeks ago when I ordered a hydraulic cylinder from Bomgaars main store.

Day before yesterday, I got a letter in the mail from Merrick Bank saying there was suspected fraud involved with that card. It gave a couple of phone numbers to call. My first thought was that it was a scam of some sort cause scammers have gotten good at duplicating company logos and communications.

I checked the cards account and found there were two charges I didnt recognize, one from California for $906 and one from Virginia for $67. From the wording, they appeared to be from a ticket scalper of some sort. I ignored the phone numbers on the letter Id received and called the Merrick Bank customer service number to report it. The gal I talked with immediately filed a fraud claim, removed the charges, and canceled the card. I will be sent a new card with a different account number.

I guess even if you suspect something is a scam it still pays to check it out.
 
I've had my stuff hacked many times, think they even got my SSN at one time. All kinds of crazy stuff happened. I use 2 banks and have alerts texted to my phone each time either card gats used. So if my numbers get used for something I didn't approve, I can call the bank immediately. Nothing I dislike more than a dang theif!
 
Found a charge directly against my checking account that I didn't recognize. (less than $5) was in my CU that day, and pointed it out to them. They fiddled around a bit, told me it was fraudulent, said there was a second charge that had been declined for several thousands. (more than in my account.) They refunded my charge out of petty cash, redid my direct withdrawal card and sent my on my way. Believe it or not, a couple weeks later i got a refund from the offending company. (which in turn, I repaid CU.) I have no idea how they accessed my account. I had never used the card previous to that. I assume they were testing to see if they could hack my account with a small amount, before they made a major withdrawal. I did a internet search on the offending company, and they apparently do exist, but their website was rather incomplete. US based.
 
I had a co. that got access of my credit card some how and billed me for a zipper sweater and a mini dress. I called my card co. and they credit back but when the mechant said that it was a legit charge that the merchandise was sent to my mail box with a tracking number to my post office. The number could not be traced nor I never received what they said I purchased.
Had an about same thing with Pay P. I sent money through c. card , but later cancelled it within 24 hr but they sent it out to recipient any way even when recipient new it was cancelled C. Card co say to go after merchant but this was individual and I can not find that person now. All kinds of scamms going on. I explained everything to pay.p but no action. This is the second time with them, pay p., there will not be a third time for sure.
 
Your lucky you caught it. I have a card I use a lot and on this months statement I happened to have the time to scrutinize every transaction. I discovered a charge to Amazon which I thought my wife made. I asked her about it and she said it wasn't her so I started looking through statements and there was a charge of $15.93 every month since last November. We were on the phone with the credit company for more than an hour to straighten it out. The best I can guess is someone put a skimmer on the gas pump where I buy gas and put a small charge on the account which would go unnoticed.
 
We got a call from our credit card customer fraud division. A charge of 56.25 for hair pieces in California. We are inIowa and the only place our card was used was to buy gas. Thinking a skimmer was installed on a gas pump. We notified the Cops and our card and charges were cancelled by the credit card company. New card will be here Saturday.
 
First time I used my new card, I ordered baby chicks OVER the phone and gave the numbers verbally.
Next week bank calls about suspicious charges !

Lesson learned...don't trust anyone these days cause the person you assume is honest...isn't
 
Hair pieces .... well Mark, that narrows down the police search to bald-headed men (since very few women are bald). Saves a lot of legwork when investigating ..... LOL!
 
I once got a call from Capital One asking if two charges at a Victoria's Secret in California were legitimate.

The thing is, most credit cards set a pattern. The card owner will buy gas at a particular C Store once a week, eat at a particular restaurant several times a week, etc. Anything that falls out of that pattern is suspect.
 
A similar thing happened to me. I noticed I was being zinged every month for $9.98 by the ''Amazon Store'' even though I had canceled my account with Amazon a long time before. Trying to talk to someone at Amazon is almost impossible but I finally managed to get through and I was told they had no record of my having an active account with them and assured me that they were not billing me. I requested my bank to block all such payments. Later I discovered that sellers associated with Amazon can use the Amazon Store title and through some URL manipulation effect such billing. Sounds illegal but apparently it's not.
 
Stephen Newell said:
Your lucky you caught it. I have a card I use a lot and on this months statement I happened to have the time to scrutinize every transaction. I discovered a charge to Amazon which I thought my wife made. I asked her about it and she said it wasn't her so I started looking through statements and there was a charge of $15.93 every month since last November. We were on the phone with the credit company for more than an hour to straighten it out. The best I can guess is someone put a skimmer on the gas pump where I buy gas and put a small charge on the account which would go unnoticed.
Click to expand...
Yes, the new way to scam is not some big ticket item but a small charge every month. The scammers have figured out that most people never scrutinize their statements. We have had it happen twice but it was easy to spot for two reasons. My wife checks every statement AND we never use a card for small purchases. Thus when she saw a $8 charge it stuck out like a sore thumb
 
These people are worldwide, I have had a problem with the supplier not sending the part but PayPal refunded the money straight away. We had the card scammed once when we were away for three months and things get difficult with the bank then. They stop the card but will only send a new card to the home address, so if you are relying on it for your expenses, its a problem. I have a fuel card for all my fuel purchases so no bank details are available and the car registration number is part of the verification process.
 
Goose said:
I have a Merrick Bank credit card that stays in my desk drawer. The last time I used it was 2 or 3 weeks ago when I ordered a hydraulic cylinder from Bomgaars main store.

Day before yesterday, I got a letter in the mail from Merrick Bank saying there was suspected fraud involved with that card. It gave a couple of phone numbers to call. My first thought was that it was a scam of some sort cause scammers have gotten good at duplicating company logos and communications.

I checked the cards account and found there were two charges I didnt recognize, one from California for $906 and one from Virginia for $67. From the wording, they appeared to be from a ticket scalper of some sort. I ignored the phone numbers on the letter Id received and called the Merrick Bank customer service number to report it. The gal I talked with immediately filed a fraud claim, removed the charges, and canceled the card. I will be sent a new card with a different account number.

I guess even if you suspect something is a scam it still pays to check it out.
Click to expand...
I have a card that I only use now and then I keep in my safe. I check on-line once a week or so on it along with all my accounts. A couple years ago I saw a 450 dollar charge I didn't make, I had not even used the card in a couple months. I notified the card holder and filed a complaint. Went back and forth a couple of times over a couple months and finally was exonerated. It was during the Equifax hack a few years ago. The funny thing is that too was for some tickets for the Lions football game that was purchased over the phone.
 
Stephen Newell said:
Your lucky you caught it. I have a card I use a lot and on this months statement I happened to have the time to scrutinize every transaction. I discovered a charge to Amazon which I thought my wife made. I asked her about it and she said it wasn't her so I started looking through statements and there was a charge of $15.93 every month since last November. We were on the phone with the credit company for more than an hour to straighten it out. The best I can guess is someone put a skimmer on the gas pump where I buy gas and put a small charge on the account which would go unnoticed.
Click to expand...
That happened to us, by someone posing as Boost Mobile. A $60 monthly charge on the account that we finally discovered almost a year later. The CC company fiddled around with the fraudulent charges, and only paid us back for the current year's. They wouldn't go back into the previous year and reimburse us. Wasn't worth continuing the fight. steve
 
Why is this happening so often when it rarely did in the past ? Because wire and mail fraud used to be investigated, perps prosecuted and jailed . Years ago Texas required auto insurance policies to include a charge which funded a special auto theft squad with several agents stationed throughout Texas. It recently came to light agents that retired,transfered or died were not replaced, squad is down to 3 agents and balance of money gos to general fund. Maybe citizens are supposed to retaliate against crooks with drive shootings.
 
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