Chase, PayPal, and Credit Card Fraud

Thursday, 17 September 2009 at 7:13 pm Pacific USA Time.

Today was interesting. Two cards I have with two separate banks were both marked as potential fraud. But the circumstances were amazingly different.

First came a Chase card. This card is a debit MasterCard associated with an escrow account for my other biz, We Are Your People. We do tour management, so this card has probably paid around $60,000 in hotels, airfares, and other random things for the last 6 weeks… as our tour winds around North America. These hotels and purchases were in nearly 40 different cities.

We're over a month into the tour, and Chase marked me as potential fraud TODAY. 6 weeks into the tour, dozens of cities, hotels in every city, thousands of dollars in airfares… and today, they shut the card down and called me. Evidently, the $130 being charged by that Hampton Inn last night was too much! I had the card turned back on.


Second was my debit MasterCard associated with my PayPal account. This morning, I flew from San Jose to Salt Lake City (for biz), so I charged at Delta airlines for checked bag fees. I then hit the card at Dollar Rental Car, and at the hotel where I'm typing this now. Total suspicious charges? About $800 across everybody, and some were just holds.

PayPal just called, suspecting fraud. I said that I had made all of those charges, so my card is still on.

To sum up, it took PayPal about 10-12 hours to think my card might be used fraudulently. Considering I started using the Chase card the first week of August, it took Chase about 6 weeks and probably more than $60,000 of charges to decide that maybe it was being used fraudulently.

I know people like to bash PayPal, but I'm going to say they're more on the ball here! Neither was fraud, but I tell you this. If anybody WERE using my Chase card fraudulently, I now know to NOT expect Chase's system to pick it up in any reasonable amount of time.

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Categories: That's Bad Marketing

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One Response to “Chase, PayPal, and Credit Card Fraud”

  1. Brenda R says:

    Hello, My Name is Brenda XXX eBay ID girlbiker51. I have been a eBay Seller since Sept of this year. Have a 100% Perfect Score, My Bill Always paid, As Quoted by eBay in their personal Rating of me is
    “ABOVE AVERAGE”. I just open My Own Combination Neighborhood Ebay Store / Collectibles / Antiques / Surplus. I was Going Like a Rocket, Gaining New Customers Daily from simple housewives to Local Politicians. They would bring ALL Kinds of Stuff for me to List and Sell For them on Ebay. I am 51 yrs old, disabled and my husband is Terminal with Advanced Progressive C.O.P.D. and Heart Disease. This is our ONLY Source of Income. Things were going Great until 7 Days Ago. Suddenly WITHOUT ANY WARNING – EMAIL – PHONE CALL – LETTER or even a MESSAGE Left in my Message Box on Ebay, Everything Came to a DEAD STOP!!! As I was Creating a New Ad and Ready to Submit, I get this note as follows, (actually copy) –
    We regret to inform you that your eBay account is prohibited from listing additional items at this time. In order to maintain a safe trading environment, selling limits are occasionally placed on accounts. This selling limit is in no way meant to question your record with eBay or standing within the eBay community. To resolve this situation, please contact eBay’s Safe Harbor Department using the Webworm on the following help page.
    We sincerely value you as a member of our trading community and look forward to a continued successful relationship. We appreciate your cooperation in resolving this matter as quickly as possible. {e25288-141474x}
    I have sent over a Dozen Emails and Phone Calls to Ebay Asking Why, What Is Wrong, and How Long. For SEVEN DAYS (7) I have yet to receive an answer form ANYONE!
    I Have NOT Broken a SINGLE RULE, Not A SINGLE COMPLAINT, Bills All UP TO DATE, Credit Card and Checking Account. I have been investing a LOT of Money Daily getting ready fro the Holidays. My Customer Base was Increasing 3 fold weekly. And Now, we are LOOSING Everything We Have. Besides the Fact I have Lost The RESPECT – TRUST and CONFIDENCE from My Area and Old and New Customers alike. They don’t and won’t believe me when I try to explain I have done nothing wrong. In all my life I have NEVER Been so Humiliated, Disgraced, Shamed and Disrespected like this.
    And the Two WORSE Part is, For One, Did Nothing Wrong to Deserve it, Two, No One Warned me and Now for 7 Days of Pleading, Asking and even Begging, for a Answer and or Response, Still Nothing to this Date and Time of Oct. 14, 2009 4:00 pm est. I ask as Humble as I know how, PLEASE, WILL SOMEONE Hear and Listen To My Cry for Help and Seek out Why I have been done in this matter and will I ever be allowed back to Sell Again? We are now preparing to Sell Everything we own and move from the area. We are in Total Disgrace and Without Any Other Customers. This act of Ebay, has Literally DESTROYED Us and Our Business in 1 week. Please, Help. Brenda Rxxx at bikerbrenda51@hotmail.,com