Tuesday, January 30, 2007

Credit Card Fraud

At the end of December, while I was taking some Christmas vacation time, I received a call from Visa regarding some suspect activity on my card. The end result is that there were three charges totaling almost $400 from two different gambling web sites. Needless to say, I was rather shocked. Particularly because I rarely use my Visa card for anything -- maybe once or twice a year, tops. How they got my number, I'll never know.

Anyway, the card was canceled and they were sending me a new card, along with an affidavit to sign stating that the charges were not mine. I received the affidavit, signed it and faxed it back to them. Last week I received a statement for the new card. I'm still waiting for the new card. A 4-week wait isn't normal, I'm sure.

I called the number for the Fraud Claims that was on the letter I received and spoke with a rep who took down my info. She said she would transfer me to someone in their Fraud Claims dept (I think). After a rather lengthy wait on hold (but she did come back twice to see if I still wanted to hold), I was put through to the other rep. She told me that the new card was sent on January 17th. To be safe, they were going to cancel it and send me another. Jan 17th doesn't really seem that long ago. I thought the first replacement would have been sent earlier than that, which is why I called today. Maybe I should have waited a little longer. I guess if it was still too early to hit the panic button, she would have said something.

So, I now await my second replacement. In retrospect, I probably should have just cancelled it since I don't use it often.

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