Early this morning, I got this call from a 1-800 number. I let it go to voicemail because usually it's a telemarketer, someone wanting me to extend my car warranty, or someone wanting me to pay for real estate leads. I do not need any of the above right now. I let it go to voicemail and then listened to the message. It was a call claiming to be from Chase Credit Card Fraud department and they said the last 4 digits of my credit card. They wanted me to call them back immediately, so I did. However, when I called the number, it asked me to enter my credit card information....hmmm...let me rethink this. I immediately hung up and then Googled the 1-800 number. Come to find out that half the online community posts say it's real and half say it's a scam.
Instead, I decided to look up the customer service number on the www.Chase.com website and called them directly. My goal last year was to pay off all my credit cards (which I did, yippee!) however, I have 2 Chase cards, one for business and one for personal (like hotels, rental cars, etc...) I paid off both cards and they each have a zero balance. They verified my information and I didn't even have to type in my credit card information. Why? Because it was Chase directly and they have all my information on the screen. Just a quick verification of my last for digits of my social security number and mother's maiden name -no need to type in my full credit card information.
Someone had tried to use one of my credit cards to make an online purchase. $92.58 to be exact, to IBM? Cosmetics, an online store. Apparently, they didn't know the correct expiration date so it was flagged. I told the woman on the phone that I haven't used that card in months and it should have a zero balance. She mentioned I had a $3.95 charge for a dermatology clinic that was revolving monthly charge. Again, a fraudulent charge, because I don't use the card. She reversed both charges and then told me they were going to close that account and reissue me a new card with a different account number, so it wouldn't affect my credit.
What is the lesson here? If in doubt, call your credit card company directly from the number off the back of your card or from their legitimate website. It could save you from identity theft. Good luck!