Weird Charge on my BA VISA account

Discussion in 'Other Credit Card Programs' started by HaveMilesWillTravel, Feb 3, 2012.  |  Print Topic

  1. HaveMilesWillTravel
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    HaveMilesWillTravel Gold Member

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    Background: I closed my BA VISA account on 1/31.

    Today I look at my account online to see if they refunded the annual fee charged on 1/1. They did. Then I review the last few remaining transactions and notice this one:



    01/29/2012
    01/31/2012
    Sale
    MISSOULA FOOD BANK
    $5.00

    I live in California, and Missoula is in Montana. I haven't been to Montana in five years, and never to Missoula. I have never previously dealt with or even heard of this food bank. I don't think I accidentally gave $5 to a random charity last Sunday.

    Anyone want to speculate how this made it on my statement?

    And what would you do? Dispute the charge? Let it go?
     
  2. infamousdx

    infamousdx Silver Member

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    Do you use the card regularly? Have it stored on some online shopping sites? Could be anything.

    As for disputing, if I didn't make it, it's getting disputed... $1 or $1000
     
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  3. HaveMilesWillTravel
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    HaveMilesWillTravel Gold Member

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    I used to use it regularly, in person and online.

    Yet I can't imagine that a four-star (CharityNavigator) charity would try to fraudulently charge $5 to my card.

    I agree with you on that, generally. The small amount and the fact that the recipient is a charity makes me hesitate. I suspect it's a mistake somewhere. Maybe they punched in the wrong number somewhere? (though with checksums, expiration dates and that three-digit "secret" number on the back, how likely is it?). If it's an honest mistake, I wouldn't want to cause more expense to the charity for having to research and fix it than it costs me (less than $5 since it's tax-deductible). Certainly, if it was Billy Bob's Country Bar, there would be no hesitation.
     
  4. chaz4449

    chaz4449 Silver Member

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    You would have to consider someone having a fraudulent card- though they would theoretically charge much more. I got a call from my CC co a few years ago while I was at work in MN, and they asked me if I just charged $2K at a Home Depot in Canada... I would think a computer glitch in this case.
     
  5. kyunbit
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    kyunbit Silver Member

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    even if you don't want to dispute it, you should bring it to the attention of Chase. someone may have got your card number and then was testing it out with a charity
     
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  6. HaveMilesWillTravel
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    HaveMilesWillTravel Gold Member

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    Good point. A charitable thief :)
     
  7. kyunbit
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    kyunbit Silver Member

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    No an intelligent thief. Testing how careful you are using a charity at first. The next charges could be two RTW ticket in first and a diamond ring
     
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  8. HaveMilesWillTravel
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    Oh, I understood :) Not any great chance of that going through, though, given that the account is closed. Which was coincidental timing, of course.
     
  9. infamousdx

    infamousdx Silver Member

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    Yup that's how the smart ones usually do it. Smaller amounts first just to see and then the big stuff shortly thereafter. Happened to one of my cards last year but Chase took care of it pretty quickly and painfree
     
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  10. tondoleo
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    tondoleo Gold Member

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    The suggestion to notify chase is valid. Although the posting was 1/31 the charge was made 1/29. You don't want a delinquent account. You don't want to hassle Chase. Particularly if they come up with a huge bonus that appeals to you. If you still have an online account with Chase send them a SM. Or, just call them. They will appreciate it. Ask for some Avios.:)
     
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  11. HaveMilesWillTravel
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    Chase has an online system to dispute particular transactions as "unrecognized" (or for other reasons). I submitted that request.

    There don't seem to be any pending charges on the account.
     
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  12. TAHKUCT
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    TAHKUCT Gold Member

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    There is a possibility of your card being cloned and a lot of times crooks will charge small amounts to see if a stolen card number works. Usually they do few small transactions within a week or two and then go on a shopping spree.
     
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  13. TAHKUCT
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    TAHKUCT Gold Member

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    I am glad you filed a dispute. Also if you closed your account, make sure Chase will send you a letter confirming this. Then any charges that you have not authorized will be Chase problem.
     
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  14. HaveMilesWillTravel
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    Chase's response via the Secure Messaging System:

    We are writing in response to your most recent inquiry
    regarding your account listed below:

    Account Number: xxxx-xxxx-xxxx-xxxx

    01/31/2012 Missoula Food Bank $5.00

    As your credit card company, we value your business and
    want you to be completely satisfied with your credit card
    account.

    Based on our observation we have noticed that this charge
    is for a donation towards to charitable organization
    located in Missoula, Mt.

    As a gesture of our commitment to you, we have credited
    your account in the amount of $5.00. If applicable, any
    interest charges related to the disputed transaction will
    also be credited to your account. These credits are
    permanent, and will reflect on your next billing
    statement.
     
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  15. deant
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    deant Milepoint Guide

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    I assume that Chase did not feel it was worth investigating and so they just gave you a credit.

    Also, if it had been a thief just trying the card, they will normally make the first small charge and if it goes through, they will immediately start the shopping spree. They don't want you to have a chance to see the charge and stop the card before they do all the shopping.
     
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  16. cvarming
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    cvarming Silver Member

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    I have a capital one card that had a $1 red cross donation on it. Capital One immediately suspected the card and called me up. A few days later I had a new card (with a new number) in the mail. I would say that any transaction that you didn't authorize should be reported to the credit card provider to ensure minimal fraudulent charges, and thus minimal problems later on.
     
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