Credit Card Fraud - Uber Eats

Vandle

Vandle

Vandle

Soldato
Joined
14 Jul 2004
Posts
6,312
Location
Melbourne , Oz.
I was self employed for a year or two not long ago, kept the company going and have a credit card that I only used for "work" proposes. Household bills, internet, web hosting, coffee beans, petrol, public transport, airfares that kind of thing. Hardly ever in a shop or online shopping and rarely eating or drinking out. Do about 10 transactions per month and clear the balance on each due date.
Noticed a rogue Uber eats transaction for $41.35 the other day which was a day old. No other transactions as I know from experience a small one is often followed up with several large ones. Locked the card temporarily with the app.

Am I being naive in thinking someone has used my stolen card number to pay for food (not getting a lot on there for $41 - 20 quid, if that) presumably from their own account (its definitely not mine, checked) and delivered to their house? If so, is this the dumbest fraud ever exposed on here and do I win a new computer or something?
 
I had a TSB debit card attached to a false food order and i have never bought takeaway food online ever. I reported it and it has only happened once.
 
b0rn2sk8 said:
The details were likely skimmed physically.

Speak to your card issuer and move on with your life.
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Yeah I get that. It's their money anyway, not mine. Just wondering how such a scam works. Assume the bank will follow up the dispute with Uber who can then see whose account was used to make the purchase and the delivery address? Then what, they inform police and the lad gets arrested for the sake of a soggy burger delivered lukewarm by a student on a bike?
 
I was under the impression that the test transaction is basically a throw away thing to see if the card is active. Leave it a few days, try again to see if it blocked, if not try for a bit ticket purchase, the real fraud. A bit like car thieves dumping a car and then going back later to see if it had a tracker and recovered.
 
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dcsarge said:
I was under the impression that the test transaction is basically a throw away thing to see if the card is active. Leave it a few days, try again to see if it blocked, if not try for a bit ticket purchase, the real fraud. A bit like car thieves dumping a car and then going back later to see if it had a tracker and recovered.
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Yeah same. It happened to me a year or two back on a different CC. There were two very small purchases followed an hour or so later by several for $200+ all at a petrol station in the US. Thought that was standard practice. Getting food delivered to your house as tester is a new one to me :D
 
dcsarge said:
I was under the impression that the test transaction is basically a throw away thing to see if the card is active. Leave it a few days, try again to see if it blocked, if not try for a bit ticket purchase, the real fraud. A bit like car thieves dumping a car and then going back later to see if it had a tracker and recovered.
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yup.

Going back a long time I noticed an odd transaction on my card (something like $3 for coffee at a US art studio), after a few days it became apparent that a particular US DVD retailer had their system hacked and some were now having very big purchases a few days after the test (a bunch of users on several forum were comparing places they'd used the cards).

IIRC the value of a "known valid" card number is much higher than one that hasn't been tested at all so some of the criminal groups will wait until they've got a load from one source then start testing them and sell them on as part of a bunch of high value cards in a very short space of time. hoping they can get their money before either card holders spot the transactions or the banks spot the pattern and act (so sometimes you'll get a new card from your bank without any explanation or warning as they've become aware of a breach somewhere).
 
Vandle said:
Yeah I get that. It's their money anyway, not mine. Just wondering how such a scam works. Assume the bank will follow up the dispute with Uber who can then see whose account was used to make the purchase and the delivery address? Then what, they inform police and the lad gets arrested for the sake of a soggy burger delivered lukewarm by a student on a bike?
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The card issuer will cancel the card and eat the loss.

This is a tiny amount of money in reality.

There is a reason they charge fees to retailers, it’s to cover losses. The bank doesn’t loose.
 
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