In my life, I have had I guess 5-6 instances of fake charges to various credit cards. Usually, they know before I do and they call & cancel & send a new card. In the last few weeks I caught 2 fake amazon charges which I disputed within a week. The fidelity card did not call because I guess they viewed it as normal?
Anyway, I'm trying to understand exactly how they can acquire my security code from the back of my card?
The card has never been out of my possession. The scammer opened a yahoo email address and a new amazon account and bought 2 digital I guess gift cards. $25 and $75. They used my actual address but a different first name.
Purchase Method:Manually Entered
I take that to mean someone entered both the card number and code. But where did they get the code?
Is that part of the equifax breach or did my computer have a virus and they somehow stole it that way?
Again, it's not a huge inconvenience, just have to re-enter that card at a few places online.
A credit freeze would not have prevented it.
And US bank or Elan or whoever does the Fidelity card did not even require me sending anything back. They just sent a letter confirming the fake charges. And I chatted with Amazon and had the fake account shut down.
Does Amazon eat the losses? How do they differentiate between real fake charges or fake ones? For example, If were to make a fake account and do that? (I never have but how do they know?)
