Have you seen this, too?
On Friday morning, I was having breakfast in Lincoln City, OR when American Express called me. Or maybe I would be more accurate to say that a machine at American Express called me. It wanted to verify charges on my credit card bill for possible fraud. I got a person on the phone and soon learned that my credit card had been used to make charges at a store in Canada. I haven’t been to Canada for some time and the charges were obviously fraudulent. American Express removed the charges from my account, cancelled my credit card, and popped a new credit card in the mail for me.
The whole process took only about 10 minutes.
Today, while updating my Quicken records for my personal finances, I tried to download American Express data. The download wouldn’t work because the account number had changed. So I logged into the American Express website to look for the new card number. That’s when I saw nine more charges for the same company, along with nine foreign transaction fees.
Apparently, whoever made a fake credit card with my information on it has connections with the Tim Hortons restaurant chain. My card was used to process nine transactions for $145 to $150 each — all on the same day: September 26, 2013. Each charge also incurred a foreign transaction fee. The total of all this was over $1300.
Of course, I called American Express and talked to their fraud people. These transactions were immediately removed from my account, so I don’t have to worry about any liability. Another 10 minutes.
I don’t know when/where my account information was stolen. My card is always in my possession — unless I’m using it for a transaction. Either one of the companies I shopped/dined at has a crooked employee who stole the information off my card or someone has a computer program that’s able to generate valid credit card number/expiration date/CID combinations and one of them happened to be mine.
But I’m curious: if you’ve found this post through a web search, have you also been hit with fraudulent charges to a Canadian Tim Hortons? If so, please take a moment to comment with the number of charges, the type of card, and the approximate total amount of the charges.