Thursday, July 12, 2007

Do NOT call this number - 1-800-454-9078


Daddy D and I were out running errands this morning. I arrived home first and as usual picked up to listen to our voice mail messages. There was one message that was obviously a pre-recorded message reportedly from one of our credit card companies. The message asked either myself or Daddy D to call them about recent purchases made on our card. The call allegedly originated from Credit Card Services Fraud Operations of our credit company. As Daddy D and I work as a team, we decided instead to call the number on the back of our credit card. Daddy D listened to the list of our recent purchases and nothing seemed out of order. He had me listen to the same recounting of our recent purchases. We agreed that the list provided our credit company was accurate and reasonable. Then, we decided to check out the other phone number, 1- 800-454-9078. Immediately after dialing, Daddy D was asked to enter our 16-digit credit card number. Did he do that? Of course, not...in earlier times, we might have fallen victim to this kind of scam. However, we have heeded the warnings not to give out personal information like credit card numbers to unsolicited e-mail and phone calls.

I can understand how people can be easily fooled by such ploys. First, we want to trust other humans. Second, Credit Card Services Fraud Operations has an official ring. Third, the crooks did have some information about us calling us both by name.

How can we protect ourselves from this kind of crime and identity theft? You can check questionable telephone numbers by googling the number. If you have concerns about charges, use the telephone number provided on the back of your credit card. Look at the useful information about identity theft provided by the Federal Trade Commission .

53 comments:

captain corky said...

Don't worry I've already made enough mistakes with my credit cards to last three life times. ;) Hope all is well.

goldennib said...

Very good information.

theotherbear said...

yikes, that is scary. Lucky you guys were smart to check it out.

Little Miss Moi said...

Dear mjd. Wow, I probably would have fallen for it... i can't believe that can get that info over the phone. Good on you guys for being calm and smart about dealing with it.

Beccy said...

I think I might have fallen for it with a name like that.

Good advice, thanks.

daddy d said...

There is no free lunch. However, some people want you to not only give the bread, but also the meat and cheese for their free meal.

Jen said...

Wow, mjd, thanks for the info. Argh! Sometimes it makes me unhappy to be around people, knowing that some are like this.

Anonymous said...

WRONG! I called the phone number on the back of my credit card and got a hold of customer service. The woman verfied that the 1-800-454-9078 phone number is in fact the real number. If you doubt me at all, check it out for yourself. You need to re-write your blog, explaining that the number isn't a scam, but warning people to aways just call the number on the back of their cards.

la bellina mammina said...

Thanks for visiting my blog and sharing this useful info.

Anonymous said...

Wow...I would have gone into a panic mode, called it and THEN been in deep doo doo.


REM

ChrisB said...

From what you describe it sounds authentic so good for you being cautious. You've now helped prepare us for any such calls but the scammers are becoming much more devious as the crooks get hold of information about us- it's very scary.

Debs said...

Glad you told of the warning!

Frema said...

Good to know. And very smart to call the actual number on your credit card instead of just going by the one left on voice mail!

susan said...

Hmmm...we recently got a call from our actual credit card company, not some big honkin' cover it all company. (It was a card that we hadn't used in over a year so there was reason for concern)

Thanks for pointing this out, the bad guys are getting so sneaky.

gawilli said...

Nice teamwork, you two! Good info to know. Thanks.

Margaret said...

I hate to tell you that I might have fallen for that. I am very trusting.(gullible?) I like and hate that about myself.

Molly said...

Yeah, we got the same bunch of crooks trying to get our info. Always good to call the company if in doubt....

Pamela said...

I've been getting pop ups saying something about its time to update your credit card info.

darn thieves.

her indoors said...

good advice, been bitten once so very wary these days

Jen said...

Hey mjd, I'm giving you a blog award, if you'd like to stop by my blog and pick it up.

Debbie said...

It is a great rule of thumb to never give personal info over the phone. Even it was legit they should be telling you the credit card no. for you to confirm - not the other way around.

Great reminder to be always vigilant.

The Artist formerly Known as Purpleworms (!) said...

That credit card fraud stuff is scary - I never know whom to trust so i don't trust any of them!

Anonymous said...

I agree with anonymous' post on 7.13.07. This phone number IS legitimate, but some others are not. The best solution is to call the number on the back of your card or the number printed on a recent statement to confirm charges, etc. Sometimes it is a false alarm; you made legitmate purhcases and the card company flags them as fraudulent. But most of the time, someone did take your info and is using it and you need to act quickly. Better safe than sorry...

Anonymous said...

This happened to me just this morning. The 1-800-454-9078 number is a legitimate Chase Fraud Dept number. After making the call and reading this blog, I got worried.

I called the number on the back of my card. I was able to confirm that an unauthorized charge was attempted and my account had been closed for my protection.

I wish Chase would simply tell people to call the number on the back of the card and not another number. I think it would make people feel much safer!

xxxxxxxxxxxxxxxxx said...

Please delete this blog. As others say, that's the Chase fraud protection number and you're needlessly scaring people.

Anonymous said...

1-800-454-9078 is a legitimate number but they DO ask questions that sound suspicious. If you think it's a scam, call the number on your credit card or statement instead. BUT DO MAKE THE CALL.

When I called the back of the card number the rep said they are aware of the suspicions the fraud unit call raises and they will change what ID numbers they ask for in the future.

Anonymous said...

I got the same call today, and called the number on the BACK of the Credit Card. It is legit, for Chase. Someone tried to charge $5000 last nite to my account. Was for the "dictionary project". They are cancelling my cards and re-issuing. As others are saying: Call the number on your card, talk to the human. As a sys admin, this is the first attempt ever at someone attempting to use my card number, so I am wary of phishers, scammers, etc., but do call your company to verify if in doubt.

Anonymous said...

I received the phone call from 800-454-9078 a few minutes ago. They mentioned suspicious activity on the Chase credit card which I closed 2 years ago. Finally I decided to call Chase and found out that my card was reopened and charged $1190 in NY for some Beer Society. But transaction didn't go through as they couldn't verify a 3 digit number.
Call your credit card company to avoid huge charges!!!

Anonymous said...

It is a legitimate number. It's just an automated service by the credit card company to make sure that you haven't lost your card. It's triggered by unusual activity like if you go out of town and use the card more than you normally do etc.
It's good to be paranoid these days, but not so much that you screw yourself. If your card number gets stolen you'll wish you called this number back.
-DD

CC said...

Thank you for the information. I just received this phone call and google it..

Anonymous said...

this number for CHASE BANK CREDIT CARD

Anonymous said...

This is a legitimate number. Perhaps the author could at least edit the title of this page since it spooks everyone who googles that number.

Anonymous said...

Just wanted to add that this is a legitimate number. I received a call asking to call back at the indicated number. I was automatically suspicious. Since the message stated the last 4 digits of the credit card in question, I just called that number instead. I was automatically forwarded to the fraud department. While I was on the line with a representative, I asked about the number, and he said it was a legit number, but that it was good practice to call the main number on the back of the card.

Anonymous said...

THIS IS A LEGITIMATE phone number! It is CHASE Credit Card fraud operations department. If you get a call from this number, CALL THEM BACK! If you don't there will be a hold placed on your card and any transaction you try to run will be declined. THE ORIGINAL POST NEEDS TO BE EDITED, YOU ARE PROVIDING FALSE INFORMATION!

Anonymous said...

It is Valid and they only ask for the last 4 digits of your card number and mothers maiden name.

Turns out I had a transaction post at 5 AM (I was sleeping) this morning that I didn't make..... in Spain....I am in the US and have never been to Spain.


So please call them back for your sake.

Anonymous said...

This is NOT a valid Chase phone number!! I just got off the phone with Chase and was told that this is NOT one of their numbers. DO NOT call this number! It's a scam. Individuals associated with this scam post on the Internet that it's legit in order to get you to call it with your information. I repeat; DO NOT CALL THIS NUMBER AS IT DOES NOT BELONG TO CHASE! That's coming straight from Chase's own people!

Nick said...
This comment has been removed by the author.
Anonymous said...

The number is legit. If you call it from your home number (or the number that Chase has on file for you), it will ask for only the last four digits of your card number. Also, it it were a fraudster, how would they already know the details of your last four or five transactions? And if they were con artists and they already had this information, you'd already be in trouble.

Anonymous said...

I just had the same thing happen, there was no way I was going to give my 16 digit account number to just anyone who calls and asks for it. I hung up and called the number on the back of my card and spoke with someone at the bank, verified the last four digits of the card and my social and they informed me that there were several charges from the Apple store and $150 for web hosting. I don’t have an Ipod or IPhone or do any web hosting so I said NO WAY, they closed the account immediately and told me they will send me a new card. While online I noticed my available balance had dropped as of yesterday and the bank told me there are more charges accruing. What a frightening deal, I never use the card except for emergency’s and I check my accounts online every day, I sure am glad I do and that I took the time to research the 1-800 number the calls were coming from. Thank you so much for your postings, my mind is now at ease.

mark said...

The number is legit.

ANYONE THAT GETS A CALL FROM THIS NUMBER SHOULD CALL CUSTOMER SERVICES ON THE BACK OF THEIR CARD.

For some reason I thought this was a scam too. You were right not to give out your card number to a random caller but this one is actually real.

Anonymous said...

Are you proud that your WRONG information is coming up in google searches? It's nice that you're trying to help people so why don't you help now by fixing your mistake.

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Anonymous said...

I was also worried about calling this number back because of this post but this post advise me to call the number on the back of my card instead. It is a valid number but calling the number on the back of my card took me straight to the fraud department anyways since my account was flagged.

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Jeff said...

This is a legitimate number, I just got a message from them. Perhaps you should have asked Chase when you called them whether it was really them, because that's what I did and they verified that is the correct number for their Fraud Services division.

I hope you realize what a terrible thing you are doing by not admitting your own mistake and scaring all the people who google the number and come across your blog post.

Anonymous said...

I agree with Jeff. I just received a call from this number, and verified directly with Chase that it was legitimate. The general message of the post is accurate -- if you're not 100% certain about a call of this type, you should call the credit card company directly to verify its authenticity. But this blog post is factually inaccurate. The phone number is legitimately Chase, and this post is scaring people -- people who don't act on this phone call (even if "acting" means calling Chase directly instead of the number) will have their card deactivated. That could cause a huge hassle for someone, especially if they're traveling and have no other credit card. This happened to me once on vacation; due to suspected fraud on one of my credit cards (there was none, but I wasn't home to return the call from the fraud department), the hotel I was staying in automatically locked me out of my room when my card was suddenly frozen mid-trip. It happened on a Saturday, and the credit union that issued the card -- which I had to call directly to reactivate -- was closed for the weekend. Thankfully, I had a second credit card I could use while I sorted out the issue with the first one. Credit card companies will quickly freeze your card if they suspect fraud and you don't quickly call them back. They're doing that to protect themselves, not you. And while the "suspicious" behavior they've detected on my cards has always been legitimate, you never know when it won't be -- it's good to keep on top of it.

But, seriously, the author of this blog is doing a huge disservice by not clarifying their post. The post is simply wrong, and the author could easily have verified that the number was legitimate by, say, asking Chase, before posting false information on the Internet that is scaring people and potentially leading them to have their cards frozen by not acting. This post should instead have pointed out that when you receive a suspicious phone call like this -- from a number you don't recognize -- you should cal the bank directly. In this case, it turned out to be legitimate, but in other cases it might not have been.

Zanysite said...

Yeah, this number is a valid Chase fraud prevention number.

I called the number on the back of my card when I got this call at noon (?!), and they read off the only charge I had, which seemed suspicious since I hadn't used it in years and have been just paying it down, and it turns out my webhosting was set to auto renew and I didn't know it, so it charged my card.

The guy on the phone was nice and closed that account because of the confusion and is sending me a new card, so I'll have to manually renew when I get the new card. But it is indeed a legitimate Chase phone number, I never called that number in the message but there WAS activity on my card so I agree and urge people to call Chase directly when you get any notice like this. It should all lead back to Chase if it's a legit number.

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