Reply to Do you take a receipt everywhere you go? Ie gas station, local store?

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[quote=Anonymous]I save receipts but never have time to compare.  My intent was always to check for fraud.

There was one time when I was defrauded for about $75 at a gas station I didn't use and I didn't notice for about 2 years.   But I eventually realized because my husband told me of a similar error he had found and fought on his bill.  And when he explained he knew it was wrong because our cars can't hold more than about $60 of gas, a few months later I figured out I had a similar problem when I finally reconciled some stuff.

Just this year I was the victim of a massive fraud but I found out right away because I have texts enabled.  It started when I found a false $200 Hilton charge on my bill.  I disputed that.  A replacement credit card was sent and stolen from the USPS system.  I have a locked mailbox so I know the card was stolen before I could get it from the mailbox.  A thief then charged car repairs in several large transactions and I received a text from Capital One asking about the second.  I pressed that I didn't recognize the merchant but that transaction still processed.

I have had credit cards for about 35 years.  So far I've only been defrauded and not caught it just the one time.  So only out $75.  I had one incident in the 1990s where somebody stole my card number and rented a Uhaul for about $400.  The gas thing around 5 years ago.  Then the recent hotel and car repair charges which might have been the same thief.  Possibly inside the postal system.  None of these incidents have come from physical loss of plates.  My husband had his own gas charge issue and then his number was stolen once and used to go shopping locally.  No loss to us from that.  It was shut off by the bank.

So...long story short, saving receipts hasn't helped much or mattered much.  Reading statements is still important.  I still get paper because it reminds me to check.

And...my conclusion is that it's super helpful to get texts for purchases right away.  I set $30 as a threshold so I don't get one for small purchases.  I'm just keeping an eye out for major fraud.  It works well.[/quote]

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