Talk of The Villages Florida

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-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Warning, credit card scam!!! (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/warning-credit-card-scam-311988/)

KRM0614 10-14-2020 08:27 AM

Quote:

Originally Posted by villagetinker (Post 1846831)
I set up email alerts for all credit cards, bank accounts, etc. I usually get the emails within 15 minutes of the charge. I set the amounts for the alerts to $25 or less. I have actually had Chase on the phone disputing a several hundred dollar charge for race tickets less than 20 minutes after the charge was made.

I get instant alert with US Bank on phone and tablet

KRM0614 10-14-2020 08:27 AM

Quote:

Originally Posted by Pila0431 (Post 1846827)
I visited a local restaurant for lunch on Wednesday, last week and paid for it with my credit card. The waitress took my card, I assume to the back, and charged my card and returned it with the receipt to sign. There was nothing unusual about the transaction. Over the weekend I checked my charges and found two charges, one for $359.95 and another for $362.95 (both on line). I know it happened at the restaurant because I did not use the card again until Sunday, when it was declined, which prompted me to look at my balance and I saw the charges. We obviously are not saying the name of the restaurant, but we are calling the manager to alert them they have a thief on their wait staff and they should buy portable credit scanners so the staff can bring it to the table to be charged thru the card chip. Even though I know it was done there, because of the transaction date, and the sparse use of my card during that time, my warning would be to check your on-line balance daily. It's a good thing I do not put much money in the debit card account as they tried another charge but it was denied. A warning to the wise is hopefully enough.

Why not tell us the name of the restaurant ?

KRM0614 10-14-2020 08:29 AM

Quote:

Originally Posted by Skip (Post 1846843)
In some restaurants it's the manager that inputs the bill into the charge card system. So reporting it to the manager is of no help. He/she may be the thief.
You need to call the credit card company (bank fraud dept.) and give them the details. They will shut off that card and express you a new number. Then you have to update all your auto-charge accounts. :cus:
If VISA/MC/AE/DISC gets just one or two more like that (at Restaurant X) they will shut down their billing system until they find the culprit.
Never fear your credit card (number) being stolen. It's your debit card you don't want to hand anyone.
There is NO REASON you should hide who the restaurant is, as long as it's factual. So tell us.

Skip

Tell me skip ! I even gave checks with no address on them

Pila0431 10-14-2020 08:40 AM

Quote:

Originally Posted by n8xwb (Post 1846973)
I totally agree with "Mr. Helpful".....you really have NO idea when your card number was stolen, hence no idea if in fact the restaurant was involved.

The whole point of stealing a number is to use it ASAP. The person doing this feels that a credit card is probably used several times a day for many days so the chances of someone knowing it was used at a particular place is very remote. In some cases the card maybe one that is sparingly used and can be traced to where it might have been compromised. The warning that was posted did not mention the restaurant for obvious liability issues, since the actual theft was not witnessed, yet the card was not used for many days prior or after the use at the restaurant.
The point of this post was two fold. It was to alert point of sale establishments to explore having a portable charge unit available for wait staff to bring it to the table and the consumer use a chip card to register the charge and the owner or manager be alerted that these types of thefts have become more common and why not protect your business from that particular type of theft. The best way for implementing this is that the card companies require those types of charge machines for their cards if a merchant accepts that card.
Sorry this is so long, but I feel very strongly that combating theft in point of sale establishments will stop those who are taking money from those seniors who are on fixed incomes, especially in the Villages. In my 50 years owning hospitality businesses and using these portable charge chip machines at the table, since they were available, have completely stopped any instances of this type of theft and received many compliments from customers using them.

wmcgowan 10-14-2020 08:43 AM

credit card
 
Quote:

Originally Posted by Pila0431 (Post 1846827)
I visited a local restaurant for lunch on Wednesday, last week and paid for it with my credit card. The waitress took my card, I assume to the back, and charged my card and returned it with the receipt to sign. There was nothing unusual about the transaction. Over the weekend I checked my charges and found two charges, one for $359.95 and another for $362.95 (both on line). I know it happened at the restaurant because I did not use the card again until Sunday, when it was declined, which prompted me to look at my balance and I saw the charges. We obviously are not saying the name of the restaurant, but we are calling the manager to alert them they have a thief on their wait staff and they should buy portable credit scanners so the staff can bring it to the table to be charged thru the card chip. Even though I know it was done there, because of the transaction date, and the sparse use of my card during that time, my warning would be to check your on-line balance daily. It's a good thing I do not put much money in the debit card account as they tried another charge but it was denied. A warning to the wise is hopefully enough.

my experience -
somehow my cc number got into the hands of a criminal. They put a small charge on it at a gas station to see if it would go through. It did. The gas station was more than 50 miles from my house and I had not been near it. The next charge was for over $1000 at a Lowes that was near the gas station. They purchased outdoor furniture. Fortunately the algorithms at the CC company figured this out and the CC company called me with an alert. I returned the call - did not just wave it off as spam and was put in touch with security who explained the situation. Was able to decline the charges as theft and of course change the CC number immediately. When I asked as to what would be the next steps - the CC agent said they just write it off as there is no way for them to track these criminals and prosecute. Sad but true.

OhioBuckeye 10-14-2020 08:51 AM

Ohiobuckeye
 
Quote:

Originally Posted by Pila0431 (Post 1846827)
I visited a local restaurant for lunch on Wednesday, last week and paid for it with my credit card. The waitress took my card, I assume to the back, and charged my card and returned it with the receipt to sign. There was nothing unusual about the transaction. Over the weekend I checked my charges and found two charges, one for $359.95 and another for $362.95 (both on line). I know it happened at the restaurant because I did not use the card again until Sunday, when it was declined, which prompted me to look at my balance and I saw the charges. We obviously are not saying the name of the restaurant, but we are calling the manager to alert them they have a thief on their wait staff and they should buy portable credit scanners so the staff can bring it to the table to be charged thru the card chip. Even though I know it was done there, because of the transaction date, and the sparse use of my card during that time, my warning would be to check your on-line balance daily. It's a good thing I do not put much money in the debit card account as they tried another charge but it was denied. A warning to the wise is hopefully enough.

They should do like Chili’s, have a computized Credit Card scanner at every table. When a waitress or waiter takes your Credit Card, it’s to easy for them to get all of your information. All restaurants should always make transactions right at your table. Can’t believe that 99% of people give them tips then TRY to steal from them. Pila0431: I hope they catch the person that used your Credit Card. Also I would think twice about going there again!

equaintance 10-14-2020 08:52 AM

This kind of thing happened to me twice. I no longer have a debit card and am very careful with my credit cards.

airstreamingypsy 10-14-2020 09:04 AM

I have a main credit card, for online purchases, and a second card with the lowest possible credit line that I only use in gas stations and restaurants. I also get a text the second my cards are used, so I know in thee restaurant if the charge is correct, and I know instantly if anyone else uses my card.

charlieo1126@gmail.com 10-14-2020 09:11 AM

I still can’t understand why people are so worried about credit card theft to the extent that they won’t use them for in restaurants, gas stations , wherever . What is the point of having one, if you don’t use it . I use mine for everything but tips, no fee, lots of cash back ,in non virus years I alternate winters in Hawaii and Miami Beach take trips to Thailand while in Hawaii, summer in Boston visit friends in Brazil and Colombia. Have used the same card for 3 years for everything . I don’t know why the fear and FYI a wait person takes your card at table in most places in every state not just Florida . You are not liable for any bad charges

Cranford61 10-14-2020 09:12 AM

Quote:

Originally Posted by Pila0431 (Post 1846827)
I visited a local restaurant for lunch on Wednesday, last week and paid for it with my credit card. The waitress took my card, I assume to the back, and charged my card and returned it with the receipt to sign. There was nothing unusual about the transaction. Over the weekend I checked my charges and found two charges, one for $359.95 and another for $362.95 (both on line). I know it happened at the restaurant because I did not use the card again until Sunday, when it was declined, which prompted me to look at my balance and I saw the charges. We obviously are not saying the name of the restaurant, but we are calling the manager to alert them they have a thief on their wait staff and they should buy portable credit scanners so the staff can bring it to the table to be charged thru the card chip. Even though I know it was done there, because of the transaction date, and the sparse use of my card during that time, my warning would be to check your on-line balance daily. It's a good thing I do not put much money in the debit card account as they tried another charge but it was denied. A warning to the wise is hopefully enough.

She re-entered it after she had failed to include your $3 gratuity and then did not properly void out the original charge of $359.

Marshaw 10-14-2020 09:52 AM

You used debit and credit card. Which one was it?

joelfmi 10-14-2020 09:52 AM

debit card are a easy way for thief's to get your money always use credit cards les hassle

cassjax2 10-14-2020 09:56 AM

My debit card and credit card both have alerts and I receive alerts within 1-2 minutes of a transaction - sometimes within seconds, which I love!

sooziesoul 10-14-2020 10:06 AM

Quote:

Originally Posted by charlieo1126@gmail.com (Post 1846861)
I do t know why anyone uses a debit card when you have so much protection including alertS from card company Sometime when I’m shopping or vacationing or just out of blue they my turn down a purchase but very quickly send a text asking if these last 3 purchases were yours you say yes or no and then your good to submit card , you also have a right when bill comes in to dispute credit. I never ever check my balance, you are no liable when bill comes in ,also my card is no fee , and I receive between $1000, and $1500 a year back and bill is automatically drafted from credit union every month I have not paid any interest in the 20years I’ve had card

I agree. My banker told me years ago, not to use a debit card. It’s too risky . I think banks should just do away with them.

BarryD 10-14-2020 10:20 AM

Same Experience of Fraud
 
Restaurant was down on 441. It was a new credit card used for the first time at the restaurant. Next came over $1,500 in charges down at Millenia Mall. It was clear where the card number was stolen. The credit card company wiped out the charges right away. I have no idea if they went after the restaurant or any of its workers. When our daughter had the same experience up north with a debit card, it took months to resolve. The bank wouldn't call it fraud, they called it a dispute.


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