CC Fraud

Chase Tech explained a LOT of the How they Do that.

Phone Cloners are still in use, looking for dummies as I that have not accepted Multifactor Authorization(Do Now, too late), can nearly instantly See passwords in logs to such as VENMO or Paypal, any similar sites, can read Bank account numbers if online bank at all, can read a Chipped Debit card but are harder to attack, still accessible.  As to the Phone Clone, can redirect inputs for a short time to THEIR Phone you may not see until they shut the clone off.  I received a Single blurb warning on AMEX while in my shop, that sent me on a mission to see what was up.  By then had SEVEN Charges on that card so went to my others, Chase had four.  After they quit as I changed PWs and called authorities, the remaining Authority Challenges showed up.

RFID or Card Chip scanners are Pocket Sized now, some can be concealed in clothing where all have to do is get within a few feet for code clone, can happen ANYWHERE, anyplace people are in close proximity and do NOT have to be in direct contact or showing interest in you or your party.  

And YES, I felt Rural, Bulletproof, inaccessible where NOT EVEN CLOSE.

Friday went to Washington MO HF, got a second 2T hoist and trolley for my lift for the cab.  Went to dinner at Marquardt's Landing, not all that crowded, went to Schnucks Market, as well HF and a Gas Stop.  Milled around for a time in HF and at Schnucks, no telling where these people got us.  Again per the tech, Multifactor EVERYTHING, sicks but slows the scams, RFID Shield wallets DO WORK, have one coming, Iphones can be app equipped but even as Hackers can get by every known Anti Virus system they can get thru phones, just do not put anything of value on them.  Last but not least, DROP Social Media, BIG Target Scan access points for Scammer/Hackers looking for us.  She was 25, is NOT on FB or any other media sites, not worth it.

EDIT:

Almost forgot, they dearly LOVE Online parts/materials buyers, if do ANY off a phone can have ALL that info instantly.  Off a home PC a Little Harder in country but still doable, do not know any way around that for old machines.

kinda wonder why CC company didn't call as to 'charges being 'different than normal ' ?

13K is a LOT !!

My only CC has 'tap n go ' disabled..have to insert and enter PIN, every time.

 Well, Dave,,I'm hoping you got some good news this morning,,!!

While I do know there is not anything that is completely Safe from the crooks of the world you can reduce the damage they are able to do.

 About 10 years ago I got hit for $3,500 on my checking account and my bank and CC were able to stop most of it and after realizing a big chunk was due to internet purchases. The bank suggested I get a "Reloadable Card" and maintain a minimum amount just for internet purchase. The reloadable has no electronic ties to my checking account,,so the most they can access is the minimum "I" have loaded into it whenever the balance gets to that point. There is NO Auto load EVER!!!

  I am ccurrently in DISPUTE with the reloadable card for $59 but not from my checking .

 Hope this may be used by some,,,,

my 1 CC is with BOA,, yea, I've heard the horror stories about them,, but they have caught a lot of fraudulent charges, get a new card,, but I haven't had to stand any of them bad charges, they have been able to clear them up.

the only pay service I have is PayPal,, and I don't use my phone to order stuff, mostly go to the desktop, or jus call the merchant...

But a man can still dream, right?

Had not thought of that angle. But now that you put it out there, I don't dough that you are correct.