Quote:
Originally Posted by Apache
I live in Georgia and had $30,000.00 worth of charges on my Am Ex Card one December. All charges were in California and at Home Depots and Lowes all over the state. The charges were for large ticket items including Power Generators and Pressure Washers. Am Ex approved all charges without question and wanted me to prove I did not purchase the items.
Apache
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You'd think the fact it was nearly on the other side of the country plus the large amount would have triggered
any fraud detection, anywhere.
My credit union did flag my dad's charges in Kentucky as potentially fraudulent when he went to an Army reunion there one year. We're in east Tennessee, so that wasn't all that far away. At least they got that part right, and it was easy to fix.
Regions Bank used to be the absolute worst. I'm an anime & manga fan, so back when I had money to spend, I'd import some stuff from Japanese stores that had a web presence and were willing to ship to the US. I
could not use my Regions debit card. It would get flagged as fraudulent, and their fraud department would tell me, "Sorry, but we're not going to let you charge that." Their position was that I couldn't use my card in foreign countries unless I was physically visiting said country.
I had to get my mom to let me use her credit card and pay her back. I do
not miss being a customer of Regions bank, although I remain annoyed I had to cancel the checking account I'd had since high school because they bought my bank and screwed it up.
Quote:
Originally Posted by haertig
Anyway, she'd stop at one gas station and buy a quart of gas (about 50 cents at the time). Then five minutes later she'd be buying another quart of gas down the street. Evidently this was highly suspicious to the CC company, because they would lock the CC on the third attempt to buy a quart. The deal with the company that processed these gas samples was they had to be paid for with a CC, and you had to include your receipts when you sent in the samples. Otherwise, cash would have been much preferable.
If I were the CC company seeing these transactions, I would be more inclined to write off the behavior as "stupid", but not necessarily "suspicious".
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Since gas pumps do a test hold, usually around $100, before letting you pump, that makes more sense than it seems at first glance. Their fraud system was probably seeing it as
multiple $100 purchases only a few minutes apart, so I can actually understand that one.