Someone tried to use our credit card unauthorized....

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Most likely the number was stolen from a vendor that had the number.

To go shopping at Walmart in Alexandria? Doesn't make sense. Gosh, I really wish it was someone from the outside. But I am terrified its my housekeeper. I don't know what to do. I do hope it's a random, internet hack though. But how do I know for sure???

It's the Analyst again. It's impossible for you to find out. Fraud is committed in complicated ways. It could've been done through a merchant breach, a random credit card number guess etc. Just relax.

Why are you advising relaxing in light of a breach?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Most likely the number was stolen from a vendor that had the number.

To go shopping at Walmart in Alexandria? Doesn't make sense. Gosh, I really wish it was someone from the outside. But I am terrified its my housekeeper. I don't know what to do. I do hope it's a random, internet hack though. But how do I know for sure???

It's the Analyst again. It's impossible for you to find out. Fraud is committed in complicated ways. It could've been done through a merchant breach, a random credit card number guess etc. Just relax.

Why are you advising relaxing in light of a breach?

Not the pp but the credit card company has already identified the fraud and the op will be protected from the fraudulent charges. She'll get a new card shortly. What else can she do at this point?

Personally I wouldn't keep credit cards in a drawer but unlikely that's where the number was stolen from.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Most likely the number was stolen from a vendor that had the number.

To go shopping at Walmart in Alexandria? Doesn't make sense. Gosh, I really wish it was someone from the outside. But I am terrified its my housekeeper. I don't know what to do. I do hope it's a random, internet hack though. But how do I know for sure???

It's the Analyst again. It's impossible for you to find out. Fraud is committed in complicated ways. It could've been done through a merchant breach, a random credit card number guess etc. Just relax.

Why are you advising relaxing in light of a breach?

Because one doesn't alert Scotland Yard for something like this which happens all the time. You let the CC company know they were fraudulent charges, they remove them from your account, you cancel the card and get a new one so the old number no longer works. Probably every adult in this country has had a card number compromised at some point. It happens, you don't launch a worldwide investigation into it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Most likely the number was stolen from a vendor that had the number.

To go shopping at Walmart in Alexandria? Doesn't make sense. Gosh, I really wish it was someone from the outside. But I am terrified its my housekeeper. I don't know what to do. I do hope it's a random, internet hack though. But how do I know for sure???

It's the Analyst again. It's impossible for you to find out. Fraud is committed in complicated ways. It could've been done through a merchant breach, a random credit card number guess etc. Just relax.

Why are you advising relaxing in light of a breach?

Not the pp but the credit card company has already identified the fraud and the op will be protected from the fraudulent charges. She'll get a new card shortly. What else can she do at this point?

Personally I wouldn't keep credit cards in a drawer but unlikely that's where the number was stolen from.

If OP has ever used that card to purchase anything, anywhere, the information is stored in the encrypted database of that retailer. Which get compromised all the time. It happened to Target! She should be absolutely ashamed that she's so ignorant of technology and immediately fingered her poor housekeeper.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Most likely the number was stolen from a vendor that had the number.

To go shopping at Walmart in Alexandria? Doesn't make sense. Gosh, I really wish it was someone from the outside. But I am terrified its my housekeeper. I don't know what to do. I do hope it's a random, internet hack though. But how do I know for sure???

It's the Analyst again. It's impossible for you to find out. Fraud is committed in complicated ways. It could've been done through a merchant breach, a random credit card number guess etc. Just relax.

Why are you advising relaxing in light of a breach?

Because one doesn't alert Scotland Yard for something like this which happens all the time. You let the CC company know they were fraudulent charges, they remove them from your account, you cancel the card and get a new one so the old number no longer works. Probably every adult in this country has had a card number compromised at some point. It happens, you don't launch a worldwide investigation into it.

And it has happened to a lot of us in the last few years far too often. We should have pins required for cc. I was glad to hear about the chips but have now come to understand they don't help that much. The cc compaines are also dragging their feet on getting the chip machines ready to go.

[Anonymous]

It's easy to get hold of someone's number (servers walk away with your card) and then ask to enter the digits because the " the strip doesn't work".
I don't even have a housekeeper, but have had that happen. It's a cc, they will give you your money back. You housekeeper does deserve better than you.

[Anonymous]

Anonymous wrote:So is the card missing?
Can someone use just a card number at a store and not have the card in hand?

The card is not missing, but technically it could have been taken and then put back.

[Anonymous]

Anonymous wrote:Don't the more sophisticated frausters have printers that can literally print out a card if they have the number? OP does the card referenced have a chip?

OP here, no the card does not have a chip.

[Anonymous]

Anonymous wrote:Op seriously, it's the 90s, learn how technology works. Your card info was compromised by another retailer whose system was breached. Your housekeeper did not sneak it out, try to use it at Walmart, then bring it back.

Ok

[Anonymous]

Anonymous wrote:

Anonymous wrote:Op seriously, it's the 90s, learn how technology works. Your card info was compromised by another retailer whose system was breached. Your housekeeper did not sneak it out, try to use it at Walmart, then bring it back.

Ok

Wait, the 90s ?

[Anonymous]

Honestly, I hope that your housekeeper is able to find a better job. You do not sound like a nice person to work for.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Most likely the number was stolen from a vendor that had the number.

To go shopping at Walmart in Alexandria? Doesn't make sense. Gosh, I really wish it was someone from the outside. But I am terrified its my housekeeper. I don't know what to do. I do hope it's a random, internet hack though. But how do I know for sure???

It's the Analyst again. It's impossible for you to find out. Fraud is committed in complicated ways. It could've been done through a merchant breach, a random credit card number guess etc. Just relax.

Why are you advising relaxing in light of a breach?

Because one doesn't alert Scotland Yard for something like this which happens all the time. You let the CC company know they were fraudulent charges, they remove them from your account, you cancel the card and get a new one so the old number no longer works. Probably every adult in this country has had a card number compromised at some point. It happens, you don't launch a worldwide investigation into it.

Well, I didn't. I asked DCUM.

[Anonymous]

If the physical card was actually swiped at a Walmart in this area and your housekeeper just faked your signature (as we all do on those machines), I highly doubt the transaction would have been flagged as fraudulent. It would have gone through without question.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Most likely the number was stolen from a vendor that had the number.

To go shopping at Walmart in Alexandria? Doesn't make sense. Gosh, I really wish it was someone from the outside. But I am terrified its my housekeeper. I don't know what to do. I do hope it's a random, internet hack though. But how do I know for sure???

It's the Analyst again. It's impossible for you to find out. Fraud is committed in complicated ways. It could've been done through a merchant breach, a random credit card number guess etc. Just relax.

Why are you advising relaxing in light of a breach?

Not the pp but the credit card company has already identified the fraud and the op will be protected from the fraudulent charges. She'll get a new card shortly. What else can she do at this point?

Personally I wouldn't keep credit cards in a drawer but unlikely that's where the number was stolen from.

If OP has ever used that card to purchase anything, anywhere, the information is stored in the encrypted database of that retailer. Which get compromised all the time. It happened to Target! She should be absolutely ashamed that she's so ignorant of technology and immediately fingered her poor housekeeper.

Hey, I didn't "finger" her. I just don't know how credit card fraud works. That's why I am asking here.

[Anonymous]

Anonymous wrote:If the physical card was actually swiped at a Walmart in this area and your housekeeper just faked your signature (as we all do on those machines), I highly doubt the transaction would have been flagged as fraudulent. It would have gone through without question.

Right, but what is the alternative scenario? It wasn't on online retailer so I just don't understand what happened.