And perhaps even stranger is Amazon customer service confirming that some of these charges were made from Amazon accounts which had already been blocked for fraud, yet they refuse to provide refunds and tell me to dispute these with my bank
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This is getting curious: I got a new debit card in February and there were 3 fraudulent Amazon transactions in June, so if my card details were swiped or leaked it happened in the preceding months at… the California DMV? (Quite certain I didn’t give my card number away)pic.twitter.com/gb3tcuxqFk
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I’m fairly confident those Amazon charges are indeed fraudulent, considering that: (a) I don’t use my debit card for Amazon purchases (b) Their customer service said these came from “suspended or blocked” Amazon accountspic.twitter.com/y6c2Ro0ml0
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If the Amazon charges are indeed fraudulent, my card details could be leaked through: (a) Me being a dummy and accidentally showing my card to a scammer (b) The DMV terminals being skimmed (c) A merchant using Account Updater https://usa.visa.com/dam/VCOM/download/merchants/visa-account-updater-product-information-fact-sheet-for-merchants.pdf … (d) Something else?pic.twitter.com/BocmZX6v36
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The debit card details didn’t get skimmed at the Target or restaurant, because those were Apple Pay transactions https://support.apple.com/en-us/HT203027 pic.twitter.com/N2RDptIGXZ
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And yes, I find this situation quite interesting as a payments professional
Let’s see what response the bank comes back with!4 replies 0 retweets 23 likesShow this thread -
Replying to @thijsniks
I feel like I get my card skimmed every time I go back to the US. Usually at gas stations. I just assumed it was normal until I moved to Europe.
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Replying to @joanne_stocker @thijsniks
There was a good reason security was updated in Europe some years ago..
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Replying to @vosje62 @thijsniks
Is the problem in the US the lack of chip and pin?
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Replying to @joanne_stocker @thijsniks
Europe switched to chip years ago, because the magnetic strip was easy to copy. (but maybe the law is also different, forcing them to solve those problems)
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European regulator solved it by requiring two factor authentication for payment transactions — which the US does not. So that means chip+pin for retail and 3D Secure for ecommerce
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Replying to @thijsniks @vosje62
So it’s not that skimming is any harder here, just that it’s not worth doing?
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Replying to @joanne_stocker @vosje62
Correct. The chip information is tied to an amount/retailer so you can’t just reuse that information and, even if you could, you need to observe the pin code. This two factor authentication dramatically increases the cost of crime and reduces fraud.
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