What scam could this possibly be?

[Anonymous]

I’m visiting friends in Colorado. I went to a salon and got my nails done earlier today, paid with my credit card. Within an hour, I got a call from the salon saying someone called them from Maryland (where I’m from) and said they had a fraudulent charge from the salon. Supposedly this woman gave the last 4 from my credit card and the amount.

What should I do? I logged on to my account and locked the card. But how could someone have gotten my info so quickly and what would they gain from instituting a lengthy dispute/ charge back?

Could it be a coincidence and the salon only called me because of the Maryland connection?

[Anonymous]

Oh and I have 2FA and no indications anyone logged on to my account. So even if they got my # from somewhere how would they know about the salon charge?

[Anonymous]

Call the credit card company? Could they have been calling the salon to check the validity of the transaction? Could the salon being screwing with you?

[Anonymous]

How does the nail salon have your phone number? Did you call to make an appointment?

[Anonymous]

Anonymous wrote:Call the credit card company? Could they have been calling the salon to check the validity of the transaction? Could the salon being screwing with you?

The bank will call OP to confirm the transaction not the salon.

[Anonymous]

Op here, the salon had my # from booking the appt. Nobody has reached out to me from the bank. So my only thought was that a scammer got my info somehow (not necessarily from the salon, could be anywhere) and tried to initiate a chargeback to somehow cash in? But I can’t figure out how they could actually get the $$.

[Anonymous]

Maybe they asked them to read back all the account digits or some sneaky way of getting more of your account info. Did anyone ask for your zip code?

[Anonymous]

Ignore.

[Anonymous]

They don’t, and the salon confirmed they only had the last 4 and didn’t give any info (which they didn’t have access to anyway.

I locked my account, should I change my login password too? Even if I have 2FA?

[Anonymous]

Maybe the salon was trying to scam you. Have you initiate a new payment to them when they already got paid?

[Anonymous]

You should have called your credit card company before locking your card. I'm guessing the person from the credit card company did not call the right number, they meant to reach you, not the business. But you should verify that.

[Anonymous]

Anonymous wrote:You should have called your credit card company before locking your card. I'm guessing the person from the credit card company did not call the right number, they meant to reach you, not the business. But you should verify that.

Is OP's bank in Maryland? I got a call asking if a charge was fraudulent the other day, but it was a bot from my bank. It's never been a human in recent years. I couldn't even get to a human to ask a question this time, although in the past I've been able to connect to a human.

I also got a text at the same time.

[Anonymous]

call the bank op and follow their instructions.

[Anonymous]

Doesn't seem like a scam if the scammer cant benefit in some way.

[Anonymous]

I never got a direct message from the bank. The salon contacting me was from a standpoint of ‘hey, this seems weird’. —OP