Credit card fraud - Local grocery store

[johng]

33 minutes ago, scubascuba3 said:

Maybe it's you, I've never had a problem

 

Yes must be me...can I use yours next time 😋

[SMIAI]

25 minutes ago, pomchop said:

I suspect if chase or any big card company got more than a couple of complaints re a particular location that the store would very quickly get a contact from security asking about it....easy to "blame" someone but harder to prove that it was the store or an employee of theirs at fault...too many complaints and the store would get cut off from the card....i do not know but suspect that friendship can very quickly identify which cashier took the card at what time and determine if any pattern of problems?

 

It doesn't work that way. I think you just made that up. Card providers don't call individual shops and individual shops don't have contracts or even contacts with card providers.

[Oliver Holzerfilled]

28 minutes ago, SMIAI said:

 

...you really have no idea as to whether it has anything to do with Friendship at all.

 

Agreed.  I've had 2 different cards used fraudulently six months after I last used them. 

[Notorious22]

On 3/6/2025 at 10:18 AM, Oliver Holzerfilled said:

On 3/6/2025 at 9:47 AM, SMIAI said:

...you really have no idea as to whether it has anything to do with Friendship at all.

 

Agreed.  I've had 2 different cards used fraudulently six months after I last used them. 

 

Fraudsters aren't dumb enough to use the card the day after they steal it.  It's common they will wait many weeks, so it's not obvious who stole it.  I also doubt the card was stolen

[WorriedNoodle]

13 hours ago, Harrisfan said:

What if you lose your phone?

What if a bomb drops on your head? Geddit?

[barmatt]

,

[pomchop]

2 hours ago, SMIAI said:

 

It doesn't work that way. I think you just made that up. Card providers don't call individual shops and individual shops don't have contracts or even contacts with card providers.

like i said  "i suspect" and  "i do not know" so take your made it up and place it appropriately

[pomchop]

2 hours ago, Dan O said:

The problem with finding the person is identifying who it is. Yes you can prove who processed the original real transaction at the store but unless the store actually processed other charges there is no way to know thats where the card info theft came from. An employee can skim the card and sell trade or use the card info on a computer somewhere else. CC company isnt gonna waste time chasing small amounts as they have it built into their interest rates and insurance. 

all true but if said employee was the cashier at time several cards got somehow compromised it would seem to be something to take a look at said employee who was the one who actually took and processed that card number at his/her cashier station?

 

as others have said i am not so sure that friendship  or their employees did anything wrong at all ...somebody could have gotten that number weeks ago elsewhere and just now using it....lot of unknowns to the story so maybe not good idea to make accusations without more substantial evidence.

[Harrisfan]

1 hour ago, WorriedNoodle said:

What if a bomb drops on your head? Geddit?

Bombs are not common compared to phone loss

[pomchop]

2 hours ago, SMIAI said:

 

It doesn't work that way. I think you just made that up. Card providers don't call individual shops and individual shops don't have contracts or even contacts with card providers.

Yes, Chase investigates credit card fraud charges and may contact the merchant involved. 

 

How Chase investigates fraud 

 

• Chase reviews the charge and gathers information to determine if it's fraud
• Chase may contact the merchant for more information
• Chase may refer the case to law enforcement if appropriate
• Chase makes a decision on the fraud claim

 

Credit card networks like Visa and Mastercard don’t typically get involved in these investigations. They set the rules, but most payment disputes resulting from alleged fraud are handled by the cardholder’s issuing bank. Even among disputes that progress to the chargeback phase, only about 2% of cases will require the card network’s direct involvement (a process called arbitration).

[SMIAI]

17 minutes ago, pomchop said:

like i said  "i suspect" and  "i do not know" so take your made it up and place it appropriately

 

So not only do you admit to making things up, but you demonstrate an unpleasant side too. Impressive.

[SMIAI]

4 minutes ago, pomchop said:

Yes, Chase investigates credit card fraud charges and may contact the merchant involved. 

 

How Chase investigates fraud 

 

• Chase reviews the charge and gathers information to determine if it's fraud
• Chase may contact the merchant for more information
• Chase may refer the case to law enforcement if appropriate
• Chase makes a decision on the fraud claim

 

Credit card networks like Visa and Mastercard don’t typically get involved in these investigations. They set the rules, but most payment disputes resulting from alleged fraud are handled by the cardholder’s issuing bank. Even among disputes that progress to the chargeback phase, only about 2% of cases will require the card network’s direct involvement (a process called arbitration).

 

No. Perhaps in the U.S.A, but not here. They might contact the payment processor, not the merchant. The merchant will deal with the payment processor.

 

Quote

Is it possible to find out the credit card processor of a business? If I buy something with my credit card, would my bank be able to tell me which company processed the transaction?

(USA answer)

Nope. You won’t learn who my merchant services vendor is. Your bank sees a transaction come through from a certain company. They either don’t have the information, or won’t tell you, but the only thing they can even see is how the transaction arrived into their system. It does not indicate the originating merchant services vendor used by my business… which may only be a reseller of another service. For example, I have switched merchant services vendors several times over the years for better rates, and every one has been a reseller of First Data’s processing. My vendor is my point of contact, and provides equipment and training, while First Data provides the support.

 

[thanadon324]

3 hours ago, Samh said:

Lush seems a very strange store to be committing fraud in. Buying an iphone on somebody else's card I understand. Buying bath bombs hardly seems worth the risk.

a lot of scammers use similar company names as real ones to make it harder to flag. But they are not the same. 

[Espanol]

4 hours ago, SMIAI said:

 

This is not particularly good advice. Credit cards are safer than the products you mention and your assertion with regard to the bank rate being 10% lower is horribly inaccurate.

 

A simple example. Fraud on your CC, it's either blocked until you confirm or you report it and you don't have to pay that part of the CC bill.

Fraud on Revolut or N26, your money is gone and you have to fight to get it back.

 

Exchange rate. Your assertion that it is the official rate is erroneous. Revolut state: 

Spend with your Revolut card

Use your Revolut debit card abroad and we’ll automatically exchange your money at competitive rates in 150+ local currencies. 

No mention of mid-market/spot/official rate.

 

The N26 card uses the Mastercard exchange rate, which may be perhaps 0.5% off the official mid-market rate.

CC use the same or VISA. So you are looking at 0.5% to 1%, not 10%. Dependent on the CC, they may or may not be extra fees on top. But many CC do not charge anything extra for spending.

 

Credit cards win every time.

 

 

 

 

Your entire response is so inaccurate that I don't even know where to begin to answer you or if I should even do it.

 

A fraud on my debit card at my usual bank led me to having to go to the branch, make a written complaint, provide evidence of the fraud and wait a month for the bank to resolve it. I solved the same situation with my Revolut card online with the App, by simply searching for the transaction and marking it as "fraudulent". They automatically refunded my money, cancelled my card and sent me a new one for free.

 

I started using the Revolut card when I saw that the exchange rate for cards abroad was 10% higher. Specifically, making a payment in Moscow with the ruble at 70 against the euro, my bank charged me 63. If I look right now at the exchange rate of my bank's VISA card against the baht it gives me 32, when right now the official exchange rate is 36.

 

The Revolut and N26 cards are debit cards and are not associated with my bank account, so you have to refill them every time and they can never charge more than the balance that is in it at that moment. On a credit card they can charge you the limit of the card and that is thousands of euros.

 

Online single-use cards are automatically cancelled every time you use them and a new one is generated for you, so even if they copy your data when making a purchase, if they later try to charge that card they find that it is already cancelled.

 

The thing is that these cards are only available to citizens of the European Union.

 

 

 

[SMIAI]

44 minutes ago, Espanol said:

 

 

Your entire response is so inaccurate that I don't even know where to begin to answer you or if I should even do it.

 

A fraud on my debit card at my usual bank led me to having to go to the branch, make a written complaint, provide evidence of the fraud and wait a month for the bank to resolve it. I solved the same situation with my Revolut card online with the App, by simply searching for the transaction and marking it as "fraudulent". They automatically refunded my money, cancelled my card and sent me a new one for free.

 

I started using the Revolut card when I saw that the exchange rate for cards abroad was 10% higher. Specifically, making a payment in Moscow with the ruble at 70 against the euro, my bank charged me 63. If I look right now at the exchange rate of my bank's VISA card against the baht it gives me 32, when right now the official exchange rate is 36.

 

The Revolut and N26 cards are debit cards and are not associated with my bank account, so you have to refill them every time and they can never charge more than the balance that is in it at that moment. On a credit card they can charge you the limit of the card and that is thousands of euros.

 

Online single-use cards are automatically cancelled every time you use them and a new one is generated for you, so even if they copy your data when making a purchase, if they later try to charge that card they find that it is already cancelled.

 

The thing is that these cards are only available to citizens of the European Union.

 

 

 

 

You would have done better, rather than trying to suggest that anything that I wrote was wrong or inaccurate, to have simply updated your post with more information.

Nothing that I asserted was either wrong nor inaccurate.

 

In fact your reply is littered with irrelevancies. Where to begin...

First of all, you tell us about the procedure of getting a refund from your former debit card. But we are discussing credit cards, so that is totally irrelevant.

You need to compare with credit cards. With both your old and new debit cards, your money was taken and you had to wait to get it back. Not convenient if it's your holiday spending money.

Credit card and your money stays intact. You just don't need to pay for that item when the bill is due.

Obviously safer and more convenient than having to wait to get your money back.

 

As to your story about Russia, that has nothing to do with anything. If you are using bad products under unusual circumstances, that isn't the norm. The fact that your particular choice of card charges extra fees on top, doesn't make it a universal issue..

 

https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html 

VISA USA take 1.27% from the ECB rate, so on 03/03/25, the rate was 1 EUR = 35.558831 THB

 

 

The fact that your particular choice of card charges extra fees on top, doesn't make it a universal issue.

Credit cards are safer and have an equally good exchange rate.

Please don't waste your time arguing with me, I know about what I am writing.

 

 

 

 

 

 

[Kenny Boy]

On 3/5/2025 at 4:48 PM, pomchop said:

use chase card at friendship often...never a problem

Nor had he until recently….🙄

 

 

[Kenny Boy]

I can’t imagine the ladies in store are skimming cards on the till in full view of everyone.

More likely done days or weeks earlier in a restaurant or petrol garage.

[Eaglekott]

On 3/5/2025 at 9:09 PM, TimBKK said:

Just Friendship, and once at Villa a few weeks ago.

It might have been Villa Market, A friend of ours she got her CC hijacked 3 times before she realize that is was from after been using her card at Villa Market the details got stolen and used.

When she started to talk to her friends about it several of her friends also had their card information stolen at Villa, They did let management at Villa know.

[SMIAI]

5 hours ago, Eaglekott said:

It might have been Villa Market, A friend of ours she got her CC hijacked 3 times before she realize that is was from after been using her card at Villa Market the details got stolen and used.

When she started to talk to her friends about it several of her friends also had their card information stolen at Villa, They did let management at Villa know.

 

I think in the light of this information, the OP  @TimBKK should request Admin to modify to topic title to remove reference to Supermarket. 

[jimn]

On 3/5/2025 at 4:29 PM, johng said:

Almost every time I try to use my UK card in Thailand it's flagged as fraudulent and blocked...resulting in long tedious phone calls to try unlocking it again....well at least till I learned my lesson  just use a Thai card or cash when in Thailand.

Must be your bank then. I have a UK Mastercard and a UK visa card. Both are no fee and have an excellent exchange rate. I use them all the time and have done for 12 years. Never had an issue.

[CharlieH]

Title changed store name removed.

[black tabby12345]

On 3/5/2025 at 2:55 PM, johng said:

USA credit card at local store ?

just use cash...lucky the fraud was detected.

 

Strongly agree.

Petty cash payment better be in safe cold cash.

No chances for scammers at all.

[BigBrian]

If you tap your card or use the chip when you pay, there is no possibility of fraud.  With both those methods all information is encrypted.  

 

Just don't physically hand your card to the cashier or give the number to anyone.  That's when most fraud happens.

 

 If you swipe your card there is also a chance there could be a skimmer on the reader which could get your card number because when you swipe, the card number is not encrypted.

 

[NedR69]

On 3/5/2025 at 2:51 AM, TimBKK said:

FYI - I recently used my USA credit card (Chase Bank) at local store, as I’ve done regularly for several years, but the next day was alerted to 3 fraud charges on the card:  1 from Ikea and 2 from something called “LushCOMUK” - total was roughly 600 USD.  Fortunately, each was flagged as fraudulent and declined.

 

Watch your cc use 

I'm not sure about all Chase cards, but my Chase Sapphire was replaced/received in about 72 hours after calling when I got a fraud alert.  I used it at a pet store in Khon Kaen and had bs charges attempted with eBay/Hong Kong.