Last night my husband and I were enjoying a wonderful dinner out celebrating our anniversary when I got a call from Chase Bank. It was an automated message from the Fraud Department stating they suspected fraudulent activity on my credit card and to return their call as soon as possible.
My husband wanted me to call them back right away, but I wanted to wait until we were home where I could put my full attention on the matter. An hour wasn’t going to make a big difference if they’d already detected suspicious activity. We had already planned on using another card to pay the bill.
Fraud Department Call
When I called the Fraud Department, an automated process identified me by last four of my card number and social security number. It detailed two declined charges and said to press 1 for valid transactions, 2 for customer service and 3 for fraudulent charges.
No, I was not attempting to transfer over $1,000 via Western Union and didn’t want to buy gas in Illinois!
I was then transferred to a live representative who then went over all the activity on the card that day. Yes, I did make charges to Amazon and RoadRunner Sports but no to the other three transactions. One had gone through, but they removed that charge.
My card was immediately cancelled. I was given a choice of rush or standard delivery for the new card. There was no need to rush a card as we will just use our American Express is needed before the new one arrives in 4-5 days.
I was also told my account wouldn’t be accessible online for 3-4 business days during the card number transition. I was asked to carefully check my statement when available for any additional fraudulent charges.
Having your personal financial information stolen is never fun and I have no idea how it happened. I’m thrilled Chase Bank noticed the suspicious activity and took action. They turned a potentially horrible experience into a positive customer service interaction.
Have you ever experienced fraudulent use of your credit card or other financial accounts? How was it resolved?